MILWAUKEE (AP) -- The number of Wisconsin homeowners facing foreclosures is increasing. Creditors filed foreclosure actions against almost 1,600 Wisconsinites last month, an increase of about 6 percent from the same time last year, according to ForeclosuresWI.com. Overall, foreclosure filings are up 19 percent this year. Last year, they increased by 34 percent. And homeowners may not have seen the worst of it yet. Gary Zimmermann, national director of Federal Housing Administration lending for CFIC Home Mortgage, said he expects a number of foreclosures this month, when interest rates on subprime loans issued three years ago go up. Mortgage companies give subprime loans to people with checkered credit histories, often at a high price. "Some allowed the borrower to pay interest only at the start," Zimmermann said. "And that's catching up to people who are seeing rate adjustments now." Catey Doyle, an attorney for the Legal Aid Society of Milwaukee, said she's seen a number of people who face the loss of their home because they can't afford the increases in their mortgage payments. "Every day, I get calls from people who signed for loans that weren't fully explained to them," Doyle said. "Some people knew full well what the terms were but were hoping on a wing and a prayer that they'd get that raise at work, or their ship would come in somehow before the payments went up." ------ Information from: Milwaukee Journal Sentinel, http://www.jsonline.com (Copyright 2007 by The Associated Press. All Rights Reserved.)