McHENRY – Maria Rebenda worries she might be part of the next wave of foreclosures.

The 61-year-old McHenry resident lost her full-time job when the homebuilder she worked for went bankrupt. She recently missed a mortgage payment for the first time. And after two years on the market, she hasn't had a single offer on her home.

At first, many of those facing foreclosure were people who had taken out adjustable rate mortgages with little or no money down. But many foreclosures now are those who have lost jobs during the Great Recession, real estate experts said. Others are unable to get a loan modification or unwilling to part with all of their equity in a short sale.