A record number of the nation's homeowners could lose their houses again this year.

RealtyTrac said the country is on pace to see more than 3 million households receive some sort of foreclosure notice. That is more than last year's all-time high of 2.8 million.

"We don't see a full market recovery until 2014," Rick Sharga of RealtyTrac told Reuters.

"Mortgage rates will start to rise in 2011, further dampening demand and limiting affordability," said Pete Flint, chief executive officer of Trulia.com, a real estate search and research website.

"Nationally, prices will decline between 5 percent and 7 percent with most of the decline occurring in the first half of next year," he said.

Job loss is the biggest reason for the increase. Real estate experts have predicted one new foreclosure action for every 6 to 10 jobs that are lost.

Experts also foresee little movement in home values in either direction.