More Dallas-Fort Worth homeowners are falling behind on mortgage payments But foreclosures remain at very low levels because of continued moratoriums. Home foreclosure rates have so far remained low thanks to moratoriums and payment forbearance during the COVID-19 pandemic.(MEI-CHUN JAU / 186927) More North Texas homeowners are behind on their mortgages than a year ago, but area foreclosures remain at very low levels because of continued moratoriums. More than 6% of Dallas-Fort Worth area homeowners with a loan were at least one month behind on their payments in January, according to CoreLogic. That’s up from the pre-pandemic late loan rate of 3.5% but less than the 8% delinquent mortgage rate during the worst of the COVID-19 lockdowns.