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IN THE NEWS Alabama rank: 43 90+ Day Foreclosure Unemployment Delinquency Rate RateRate may 2012 3.91%1.87% 7.4% year ago 4.08%1.83% 9.3% percent point change -4.2% 2.3%-20.4% Top County CONECUH COUNTY 90+ Day Delinquency Rate may 2012 Foreclosure Rate 9.55%3.03% year ago 8.42%1.41% percent point change 13.5%115.5% Top Core-Based Statistical Area 90+ Day Delinquency Rate Foreclosure Rate may 2012 6.41%2.60% year ago 6.34%2.24% percent point change 1.1%16.0% note: The 90+ Day delinquecy rate is the percentage of outstanding mortgage loans that are 90plus days delinquent. The foreclosure rate is the percentage of outstanding mortgage loans currently in foreclosure. State rank is based on the May 2012 foreclosure rate. All figures are rounded to the nearest decimal. The unemployment rate reflects preliminary May 2012 figures released by the Bureau of Labor Statistics. All other data courtesy of Lender Processing Services. Alabama IN THE NEWS Regions Offers 'Quick Guides' on Mortgage Options Regions Financial announced the offering of a series of what it calls "Quick Guides" to summarize important information about products and services the bank offers in a way that's simple, straightforward, and easy to understand. Regions backed its move with a Simplicity Pledge that states, "Regions is committed to providing you with the information you need to make good financial decisions and to helping you understand how your accounts and services work—simply, clearly, and in plain language." One of the six Quick Guides offered by the bank addresses common questions related to applying for a mortgage. It provides information on various mortgage options, including payment terms, and outlines the steps involved in applying for a home loan. Other guides offered cover personal and business checking, consumer credit lines, and small business loans. Alaska Posts April's Greatest Price Gain U.S. home prices averaged $200,000 in April, posting a monthly gain of 1.1 percent, according to Lender Processing Services (LPS). Annual price changes, however, struggled to get into positive territory during the spring months. LPS says the national average home price in April was 0.1 percent below the company's April 2011 reading. With a home price index reading of $292,000, Alaska posted the biggest monthly increase in LPS' study. There, home prices rose 2.6 percent from March to April. The District of Columbia and Georgia were close behind with monthly gains of 2.4 percent and 2.2 percent, respectively. Anchorage topped LPS' "Biggest Movers" rankings among large metros with a 2.6 percent month-over-month increase in home prices. The index reading for this southern Alaskan city registered $303,000 for the month of April. Phoenix and Atlanta rounded out the top three biggest metro movers for the month, with home price increases of 2.3 percent and 2.1 percent, respectively. Alaska Arizona 90+ Day Foreclosure Unemployment Delinquency Rate RateRate may 2012 90+ Day Foreclosure Unemployment Delinquency Rate RateRate may 2012 rank: 51 1.26%1.04% 7.0% rank: 28 2.65%2.86% 8.2% year ago Stephanie J. Ford Top 3% of Alabama Keller Williams Agents year ago 1.27%1.10% 7.5% 4.24%3.58% 9.6% percent point change percent point change -1.0%-5.4%-6.7% -37.6%-19.9% -14.6% 205.873.1075 www.stephanieford.com sford@stephanieford.com Top County Top County KETCHIKAN GATEWAY BOROUGH 90+ Day Foreclosure Delinquency Rate Rate may 2012 90+ Day Delinquency Rate PINAL COUNTY 0.85%1.72% 5.20%5.58% Foreclosure Rate may 2012 year ago Alabama mortgages eligible for a HARP refinance if program is extended to all GSE borrowers under S.3085. Source: The Paul Milstein School of Real Estate at Columbia Business School 74 7.43%5.67% percent point change percent point change -33.8%7.0% -30.0%-1.7% Top Core-Based Statistical Area Top Core-Based Statistical Area FAIRBANKS, AK Foreclosure Rate may 2012 PHOENIX-MESA-SCOTTSDALE, AZ 90+ Day Foreclosure Delinquency Rate Rate may 2012 1.74%1.53% 2.84%3.02% STAT INSIGHT 162,436 year ago 1.29%1.61% 90+ Day Delinquency Rate year ago year ago 1.56%1.58% 4.82%4.09% percent point change note: percent point change 11.8%-3.1% -41.2%-26.2% The 90+ Day delinquecy rate is the percentage of outstanding mortgage loans that are 90plus days delinquent. The foreclosure rate is the percentage of outstanding mortgage loans currently in foreclosure. State rank is based on the May 2012 foreclosure rate. All figures are rounded to the nearest decimal. The unemployment rate reflects preliminary May 2012 figures released by the Bureau of Labor Statistics. All other data courtesy of Lender Processing Services. note: The 90+ Day delinquecy rate is the percentage of outstanding mortgage loans that are 90plus days delinquent. The foreclosure rate is the percentage of outstanding mortgage loans currently in foreclosure. State rank is based on the May 2012 foreclosure rate. All figures are rounded to the nearest decimal. The unemployment rate reflects preliminary May 2012 figures released by the Bureau of Labor Statistics. All other data courtesy of Lender Processing Services.

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