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  "path": "/2026/02/12/here-come-the-helocs-mortgages-housing-debt-to-income-ratio-serious-delinquencies-and-foreclosures-in-q4-2025/",
  "publishedAt": "2026-02-12T07:17:12.000Z",
  "site": "https://wolfstreet.com",
  "tags": [
    "Consumer",
    "Housing",
    "TOP ARTICLES"
  ],
  "textContent": "One of the most fundamental changes resulting from the Financial Crisis was the transfer of mortgage risk from banks to taxpayers.",
  "title": "Here Come the HELOCs: Mortgages, Housing-Debt-to-Income-Ratio, Serious Delinquencies, and Foreclosures in Q4 2025"
}