US mortgage delinquencies and foreclosures are slowly rising, a warning sign that's bad for homeowners and the broader economy, though not a 2008-style crash yet.

• More Americans are falling behind on mortgage payments, both 30 and 90 days late.
• Foreclosures are still low but rising and speeding up.
• The trouble is concentrated in FHA loans (low down payments) and veterans' VA loans, not conventional mortgages.
• Homes are sitting on the market longer and sellers are starting to cut prices.
• This piles onto rising inflation, record consumer debt, and growing credit card debt.

Outlook: No crash yet, but every signal points the wrong way, so expect delinquencies and foreclosures to keep climbing.