The foreclosure crisis isn't over. It's expected to persist into next year, as high unemployment will probably translate into more people losing their homes. And the crisis has now spread to homeowners with relatively manageable fixed-interest rates. Across the United States, 14 percent of homeowners with a mortgage were either behind on payments or in foreclosure as of the end of September, according to The Associated Press . In Colorado, there were 12,468 foreclosure filings in the third quarter, setting an all-time quarterly record, reports the Denver Business Journal . That's the fourth consecutive quarter in which foreclosures in Colorado have increased; foreclosure filings in the state for the period ending September 30 were up 18 percent from the same period last year. "At the pace we're going for this year, we'll almost certainly have more than 40,000 for the year, probably up [to] more than 42,000, 43,000," Ryan McMacken of the Colorado Division of Housing tells 9News . "So, there's plenty of new people entering the foreclosure process right now." Patrick Dolan, a Re/Max of Boulder Inc. Realtor, tells the Boulder County Business Report  that on the other side of the coin, homebuyers who were once happy with a 13 percent interest rate now complain if they get only five percent, expecting lower.