In 2008, the foreclosure rate in Massachusetts was the highest in the Commonwealth’s history. In the first three months of 2008, 7,650 properties statewide were seized by lenders, more than double the number seized in all of 2006. More homes were in the foreclosure process than in all but nine other states. The causes are complex: many households find it harder to make payments due to adjustable rates, job losses, and health care costs; and a decline in housing prices means that many troubled homeowners cannot sell their homes or refinance before they are seized.