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ยป Nevada rank: 7 90+ Day Delinquency Rate Foreclosure Rate January 2013 5.99% Unemployment Rate 5.35% 9.7% year ago 7.17% 6.33% 12.0% year-over-year change -16.4% -15.5% -19.2% Top County Nye CouNTy 90+ Day Delinquency Rate Foreclosure Rate January 2013 5.17% 7.70% year ago 6.09% 7.12% year-over-year change -15.2% 8.0% Top Core-Based Statistical Area PAhrumP, NV 90+ Day Delinquency Rate Foreclosure Rate January 2013 5.17% 7.70% year ago 6.09% 7.12% year-over-year change -15.2% 8.0% 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 January 2013 foreclosure rate. All figures are rounded to the nearest decimal. The unemployment rate reflects preliminary January 2013 figures released by the Bureau of Labor Statistics. All other data courtesy of Lender Processing Services. IN THE NEWS Nevada AG Reveals Top Five Mortgage Fraud Complaints in 2012 In recognition of National Consumer Protection Week (NCPW) in March, Nevada Attorney General Catherine Cortez Masto released a list of the top five most common mortgage fraud consumer complaints addressed by the state's Mortgage Fraud Unit (MFU). In 2012, complaints related to loan modification and loss mitigation issues were No. 1. This type of complaint occurs when borrowers receive false offers to save homes by use of a mediation or other method such as principal reduction. Document problems were the second most commonly reported complaint last year. This type of complaint involved issues such as robo-signing, forged documents, and homes foreclosed on through questionable documents. The No. 3 complaint last year was customer service issues, such as when lenders or servicers make it difficult for homeowners who are pursuing a modification. The fourth most common complaint involved falsified loan documents from borrowers who misrepresented their true income/debt. The fifth most commonly heard complaint fell under the category of "miscellaneous" and included attempts to purchase homes through fraud, selling or renting a home when not the true owner, fraudulent liens, and offers to act as a mediator for someone attempting to acquire a loan. Last year, Masto's office received 12,476 complaints, of which 788 were mortgage fraud consumer complaints from nine counties in the state. Through attempts to resolve the MFU complaints in 2012, consumers were able to receive $442,745. Since the 2010 inception of MFU, $1,470,167 worth of restitution has been ordered. In January, Masto's office announced the launch of Home Again, a statewide program that acts as a free one-stop resource center for Nevada homeowners seeking help. "I encourage Nevadans to seek mortgage assistance through Home Again Nevada," said Masto. "In general, there is no reason to hire a for-profit loan modification company. New Hampshire VISIT US ONLINE @ DSNEWS.COM New Jersey rank: 2 90+ Day Delinquency Rate Foreclosure Rate January 2013 4.30% 8.10% Foreclosure Rate January 2013 2.38% 4.00% 7.76% 1.64% 2.51% 7.4% 4.4% 2.10% 5.3% -5.4% -21.9% 9.4% Top County SullivaN CouNTy 90+ Day Delinquency Rate January 2013 2.82% Foreclosure Rate 3.3% Top County 90+ Day Delinquency Rate EssEx CouNTy Foreclosure Rate January 2013 5.75% 12.83% year ago 5.54% 12.74% year-over-year change 3.9% 0.7% Top Core-Based statistical Area ATlANTiC CiTy, NJ 90+ Day Delinquency Rate January 2013 Foreclosure Rate 6.46% 10.86% year ago 5.46% 10.72% year-over-year change 18.4% 1.3% 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 January 2013 foreclosure rate. All figures are rounded to the nearest decimal. The unemployment rate reflects preliminary January 2013 figures released by the Bureau of Labor Statistics. All other data courtesy of Lender Processing Services. New Jersey Lisa G Lopez Broker of Record 5.8% year-over-year change 9.2% year-over-year change Unemployment Rate year ago 9.5% year ago rank: 34 90+ Day Delinquency Rate Unemployment Rate Home Alliance Realty 142 E. Bay Ave Manahawkin, NJ 08050 609-978-9009 (o) 609-384-5109 (c) lglopez@verizon.net www.HomeAllianceRealty.com www.LisaLopezProperties.com 3.38% year ago 3.83% 3.46% year-over-year change -26.4% -2.3% Top Core-Based Statistical area BerliN, NH-vT 90+ Day Delinquency Rate Foreclosure Rate January 2013 3.14% 3.39% year ago 2.98% 3.59% year-over-year change 5.3% note: -5.7% 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 January 2013 foreclosure rate. All figures are rounded to the nearest decimal. The unemployment rate reflects preliminary January 2013 figures released by the Bureau of Labor Statistics. All other data courtesy of Lender Processing Services. IN THE NEWS HOPE NOW Hosts Event to Help Homeowners Hit by Sandy A HOPE NOW Alliance event in New Jersey last month attracted more than 550 families affected by Super Storm Sandy. The event brought together large mortgage servicers, nonprofit housing counseling organizations, and insurance companies to 99