Back in the United States, real estate analysts are warning of a potential new round of foreclosures due to a risky home loan scheme that allows consumers to choose their interest rates for a limited time. The loans, known as option adjustable-rate mortgages, or ARMs, have been taken out by hundreds of thousands of borrowers. They allow homeowners to pay a low interest rate before the rates “reset” back to normal and the principal also becomes due. A new report from Fitch Ratings says about $134 billion in ARMs will “reset” over the next two years. Mortgage payments would then rise an average 63 percent, or over $1,000, each month.