Interest rate resets on many home loan modifications and home equity lines of credit seem to be on a collision course that may create a hardship for many borrowers who didn't expect to be so vulnerable.

HELOC originations peaked in 2005 and most of those second liens are due to reset in 2015. The peak year for first-lien modifications was in 2010 and most of those proprietary and government-sponsored modifications are also due to reset in 2015.

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