Minnesota Gov. Mark Dayton is expected to sign legislation giving homeowners in the state more protection against foreclosure. Banks and servicers would be obliged to provide mortgage modifications to everyone who is eligible, borrowers would have an extra 30 days to try to modify their loans, and servicers could not sell a property without clarification of workout status. Foreclosures are coming down in Minnesota in recent years but are still a big problem. Nearly 18,000 homes were foreclosed there in 2012 -- a number that is down about 16 percent from 2011 but is nearly three times the 2005 estimate.