Janet is considering the purchase of a condo for $$150,000$ during a recession phase, partly financed by a mortgage. She is due to retire in a few years. If she cannot make her mortgage payments on time, she is bound to incur a:

Group of answer choices

neutral equity on her property.

fine from the local government.

foreclosure of her house.

loan$-$to$-$value ratio.

reduced residual value of the property.