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» VISIT US ONLINE @ DSNEWS.COM 77 Massachusetts RANK: 27 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate NOVEMBER 2013 3.53% 1.87% 7.1% YEAR AGO 3.47% 2.43% 6.7% YEAR-OVER-YEAR CHANGE 1.7% -23.1% 0.4% Top County FRANKLIN COUNTY 90+ Day Foreclosure Delinquency Rate Rate NOVEMBER 2013 3.65% 4.65% YEAR AGO 7.89% 3.89% YEAR-OVER-YEAR CHANGE -53.7% 19.7% Top Core-Based Statistical Area SPRINGFIELD, MA 90+ Day Foreclosure Delinquency Rate Rate NOVEMBER 2013 5.97% 3.12% YEAR AGO 5.17% 3.56% YEAR-OVER-YEAR CHANGE 15.4% -12.5% note: The 90+ day delinquecy rate is the percentage of outstanding mortgage loans that are seriously delinquent. The foreclosure rate is the percentage of outstanding mortgage loans currently in foreclosure. State rank is based on the November 2013 foreclosure rate. All figures are rounded to the nearest decimal. The unemployment rate reflects preliminary November 2013 figures released by the Bureau of Labor Statistics. All other data courtesy of LPS Data & Analytics. IN THE NEWS Credit Plus Expands Debt Verification Offerings Credit Plus, a mortgage information company with headquarters in Maryland, announced it has expanded its Undisclosed Debt Verifications service to offer updates from all three credit bureaus. Lenders can receive undisclosed debt verifications from one, two, or all three bureaus, gaining information about new tradelines, inquiries, secondary reissues, bankruptcies, late payments, and more— giving them a greater view of each applicant's financial standing and assuring loans meet GSE purchase requirements. "Credit Plus prides itself on being at the forefront of the industry, delivering solutions that enable lenders to make sound lending decisions," said Greg Holmes, national direc- tor of sales and marketing for Credit Plus. "Undisclosed Debt Verifications . . . pro- vide lenders with the information they need to help ensure they are in compliance with GSE requirements," Holmes added. New Hampshire RANK: 35 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate NOVEMBER 2013 2.16% 1.27% 5.1% YEAR AGO 2.42% 1.64% 5.7% YEAR-OVER-YEAR CHANGE -10.8% -22.5% -0.6% Top County COOS COUNTY 90+ Day Foreclosure Delinquency Rate Rate NOVEMBER 2013 3.25% 2.26% YEAR AGO 3.18% 2.90% YEAR-OVER-YEAR CHANGE 2.2% -22.1% Top Core-Based Statistical Area BERLIN, NH-VT 90+ Day Foreclosure Delinquency Rate Rate NOVEMBER 2013 3.01% 2.70% YEAR AGO 3.18% 2.90% YEAR-OVER-YEAR CHANGE -5.3% -6.8% note: The 90+ day delinquecy rate is the percentage of outstanding mortgage loans that are seriously delinquent. The foreclosure rate is the percentage of outstanding mortgage loans currently in foreclosure. State rank is based on the November 2013 foreclosure rate. All figures are rounded to the nearest decimal. The unemployment rate reflects preliminary November 2013 figures released by the Bureau of Labor Statistics. All other data courtesy of LPS Data & Analytics. New Jersey RANK: 2 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate NOVEMBER 2013 3.59% 7.21% 7.8% YEAR AGO 4.25% 8.06% 9.6% YEAR-OVER-YEAR CHANGE -15.6% -10.5% -1.8% Top County SALEM COUNTY 90+ Day Foreclosure Delinquency Rate Rate NOVEMBER 2013 5.29% 11.85% YEAR AGO 6.76% 11.25% YEAR-OVER-YEAR CHANGE -21.8% 5.4% Top Core-Based Statistical Area VINELAND-MILLVILLE-BRIDGETON, NJ 90+ Day Foreclosure Delinquency Rate Rate NOVEMBER 2013 7.16% 10.45% YEAR AGO 8.37% 10.04% YEAR-OVER-YEAR CHANGE -14.4% 4.1% note: The 90+ day delinquecy rate is the percentage of outstanding mortgage loans that are seriously delinquent. The foreclosure rate is the percentage of outstanding mortgage loans currently in foreclosure. State rank is based on the November 2013 foreclosure rate. All figures are rounded to the nearest decimal. The unemployment rate reflects preliminary November 2013 figures released by the Bureau of Labor Statistics. All other data courtesy of LPS Data & Analytics. New Jersey Lisa G Lopez Broker of Record 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 THE LEADER IN DEFAULT SERVICING NEWS Help shape the next issue of DS News. Drop us a line at Editor@DSNews.com. The median home value in New Jersey is $272,100. Annual home values in the Garden State increased 5% in 2013, according to Zillow. KNOW THIS