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�� Arkansas 90+ Day Delinquency Rate Foreclosure Rate december 2012 4.26% rank: 34 Unemployment Rate 2.55% 7.1% 90+ Day Delinquency Rate Foreclosure Rate december 2012 2.98% 1.99% 7.8% 3.90% 3.17% -9.0% -23.6% -47.2% Top County Lake CounTy Foreclosure Rate 90+ Day Delinquency Rate december 2012 6.94% 3.45% 3.03% year ago 6.26% 4.38% percent point change 0.7% 5.18% percent point change 10.9% Top Core-Based Statistical Area -21.3% -41.5% Top Core-Based Statistical area BlyTheville, AR 90+ Day Delinquency Rate CLearLake, Ca Foreclosure Rate 90+ Day Delinquency Rate december 2012 5.00% 5.24% 3.45% 3.03% year ago 4.51% 4.38% percent point change -15.8% Foreclosure Rate december 2012 year ago 5.94% Foreclosure Rate december 2012 year ago 4.38% -12.5% Top County ClAy CounTy 4.41% 11.2% Cash Purchases in California Rise to Record High: DataQuick percent point change 27.9% 90+ Day Delinquency Rate 9.8% year ago percent point change -1.3% Unemployment Rate 1.67% year ago 4.32% IN THE NEWS California rank: 26 VISIT US ONLINE @ DSNEWS.COM 5.18% percent point change 16.2% 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 December 2012 foreclosure rate. All figures are rounded to the nearest decimal. The unemployment rate reflects preliminary December 2012 figures released by the Bureau of Labor Statistics. All other data courtesy of Lender Processing Services. KNOW THIS Arkansas ranked in the bottom 10 of U.S. states with the worst credit score three years in a row. In 2010, the state ranked 47 and in 2011 and 2012, the state ranked 49 out of the 50 states, according to Mortgage Marvel. -21.3% -41.5% 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 December 2012 foreclosure rate. All figures are rounded to the nearest decimal. The unemployment rate reflects preliminary December 2012 figures released by the Bureau of Labor Statistics. All other data courtesy of Lender Processing Services. REO AND SHORT SALES SPECIALIST SOLD GARY CARTER 20955 Path���nder Road, Suite 100 Diamond Bar, CA 91765 d: 909-860-5540, c: 951-315-7327 f: 909-860-8470 mr.sold007@yahoo.com www.garycarterrealtor.com The number of homes purchased with cash in California reached an all-time high in 2012 as the mortgage environment kept other interested buyers out, according to DataQuick, a real estate information service. The company���s data shows a total of 145,797 condos and houses were bought without mortgage financing in 2012, up from 125,812 in 2011 (the previous high) and 39,731 in 2007, when the housing market started to deflate. Percentage-wise, cash purchases accounted for a record 32.4 percent of California���s overall home sales last year, up from 30.4 percent in 2011 and more than double the annual average of 15.6 percent recorded since 1991. ���It���s clear that a lot of today���s housing market recovery is being fueled by people putting their own money into homes. Some cash buying is part of a normal housing market, but we���re at twice that normal rate,��� said DataQuick president John Walsh. ���There are always some rich people, also buyers from abroad, but in a normal market the biggest single category would be retirees and empty nesters who are downsizing. Today, a lot of buyers are chasing what they view as the deal of a lifetime.��� According to Walsh, the increase in cash buying comes from high investor interest, a higher perceived return on investment, and a currently difficult mortgage environment. ���I���m sure a lot of today���s cash buyers would love to take advantage of the current low mortgage interest rates, but since the ���loansgone-wild��� days of 2004-2006, the lending pendulum has swung to the opposite end of the spectrum. Even a lot of well-qualified buyers can���t get loans. While the overall market is improving, sales levels are still below average, and prices much closer to the bottom than to the peak,��� he said. Last year saw 447,573 homes sold to all buyers in California���both through loans or cash purchases. While that figure is up from the cyclical low in 2007, 2012���s total was well below the peak of 775,831 sales in 2004 and was 13 percent below the state���s average annual home sales since 1988. The median price for a California home, whether financed or bought with cash, was 77