More Falling Behind on Mortgage Payments
Number of Americans behind on mortgage payments increased sharply in last year; survey by Mortgage Bankers Assn of America finds percentage of homeowners whose payments are more than 30 days late exceeded 10 percent for first time ever at end of 2000; rate did not exceed 8 percent, even during recessions of early 1990's and early 1980's; overall, about 400,000 families wera at least 30 days late on mortgages in early months of 2001 than at beginning of 2000; possible reasons for trend outlined; photo; graph (M)