The Mortgage Foreclosure Process amongst Homogenous Neighborhoods in San Antonio Dr. Christine Drennon, Lucy Elder, Adrian Lopez-Mobilia, Patricia Perez Abstract: Foreclosure rates in the San Antonio area have increased substantially over the past several years with no firm explanation for the process that is causing this increase. Our research goal is to identify the foreclosure process in San Antonio. We will focus on characteristics of 20 neighborhoods located in the northwestern part of the city. These neighborhoods are homogenous within but heterogeneous between and it is in these homogenous characteristics that we explain the foreclosure process. We will test the process we have identified in a multi-agent system in order to verify our results with the ultimate goal of being able to simulate the process in other areas of San Antonio.