The housing foreclosure crisis has slammed the Central Valley as hard as any region in the country. Stockton, Sacramento, Modesto, Merced and Bakersfield are typically listed the top 10 to 15 markets with the most foreclosures per capita. In some cities, 5% to 7% of homeowners are delinquent on their mortgage payments. And whole neighborhoods, such as portions of Natomas in Sacramento, sometimes seem to have been completely emptied.