She and her husband, both in their late 20s, bought their first house two years ago with an adjustable-rate mortgage.

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Thus, with house prices still soft and many borrowers of recent-vintage subprime ARMs still facing their first interest rate resets, delinquencies and foreclosure initiations in this class of mortgages are likely to rise further.

NPR: Transcript: Bernanke on Mortgages, Foreclosures