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» VISIT US ONLINE @ DSNEWS.COM 91 Michael Coar, CEO of VirPack, said, "VirPack's Document Management and De- livery System remains well ahead of the rest of the industry, but we wanted to open that gap even wider, and with this new release, we have done that." "We are constantly speaking to our cus- tomers, lenders and our partners for ways to enhance the solution. eir recommendations were the basis of several upgrades that make the technology easier to use, more flexible, improve efficiencies, and deliver competitive advantages to them," Coar said. e new version's feature-set includes: free form text stamps; user-defined, on-document text stamps; loan checklists; link and display documents with checklist items; loan page image tags; loan and document level access control based on status changes; automated assignment of loan tasks based on loan data and status changes; investor delivery loan previews; and enhanced Web services. West Virginia RANK: 31 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate JANUARY 2014 2.49% 1.31% 5.9 YEAR AGO 2.45% 1.73% 6.9 YEAR-OVER-YEAR CHANGE 1.7% -24.4% -1 Top County ROANE COUNTY 90+ Day Foreclosure Delinquency Rate Rate JANUARY 2014 2.86% 3.03% YEAR AGO 2.86% 1.81% YEAR-OVER-YEAR CHANGE 0.2% 67.1% Top Core-Based Statistical Area HUNTINGTON-ASHLAND, WV-KY-OH 90+ Day Foreclosure Delinquency Rate Rate JANUARY 2014 2.57% 2.39% YEAR AGO 2.38% 1.61% YEAR-OVER-YEAR CHANGE 7.7% 48.2% 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 January 2014 foreclosure rate. All fi gures are rounded to the nearest decimal. The unemployment rate refl ects preliminary January 2014 fi gures released by the Bureau of Labor Statistics. All other data courtesy of LPS Data & Analytics. Alaska RANK: 50 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate JANUARY 2014 1.11% 0.61% 6.4 YEAR AGO 1.22% 0.80% 6.5 YEAR-OVER-YEAR CHANGE -9.2% -23.0% -0.1 Top County FAIRBANKS NORTH STAR BOROUGH 90+ Day Foreclosure Delinquency Rate Rate JANUARY 2014 2.09% 1.15% YEAR AGO 2.13% 1.12% YEAR-OVER-YEAR CHANGE -2.0% 3.1% Top Core-Based Statistical Area FAIRBANKS, AK 90+ Day Foreclosure Delinquency Rate Rate JANUARY 2014 2.09% 1.15% YEAR AGO 2.13% 1.12% YEAR-OVER-YEAR CHANGE -2.0% 3.1% 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 January 2014 foreclosure rate. All fi gures are rounded to the nearest decimal. The unemployment rate refl ects preliminary January 2014 fi gures released by the Bureau of Labor Statistics. All other data courtesy of LPS Data & Analytics. Arizona RANK: 44 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate JANUARY 2014 1.57% 0.79% 7.5 YEAR AGO 2.24% 1.56% 8 YEAR-OVER-YEAR CHANGE -29.8% -49.2% -0.5 Top County SANTA CRUZ COUNTY 90+ Day Foreclosure Delinquency Rate Rate JANUARY 2014 2.77% 1.54% YEAR AGO 3.28% 2.87% YEAR-OVER-YEAR CHANGE -15.6% -46.3% Top Core-Based Statistical Area NOGALES, AZ 90+ Day Foreclosure Delinquency Rate Rate JANUARY 2014 2.77% 1.54% YEAR AGO 3.28% 2.87% YEAR-OVER-YEAR CHANGE -15.6% -46.3% 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 January 2014 foreclosure rate. All fi gures are rounded to the nearest decimal. The unemployment rate refl ects preliminary January 2014 fi gures released by the Bureau of Labor Statistics. All other data courtesy of LPS Data & Analytics. ARIZONA: Yavapai, Coconino, Gila County Holly Grigaitis Designated Broker 928.284.9367 reo@op onsaz.com op onsaz.com MEMBER California Joyce Essex joyce@essexharvey.com www.EssexHarvey.com 310-777-6375 phone 310-922-7476 cell Serving All Los Angeles County California RANK: 43 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate JANUARY 2014 1.84% 0.84% 8.1 YEAR AGO 2.96% 1.55% 9.5 YEAR-OVER-YEAR CHANGE -37.9% -46.1% -1.4 Top County SIERRA COUNTY 90+ Day Foreclosure Delinquency Rate Rate JANUARY 2014 1.87% 2.96% YEAR AGO 1.81% 3.02% YEAR-OVER-YEAR CHANGE 3.5% -2.1% Top Core-Based Statistical Area SUSANVILLE, CA 90+ Day Foreclosure Delinquency Rate Rate JANUARY 2014 2.36% 2.50% YEAR AGO 3.61% 2.62% YEAR-OVER-YEAR CHANGE -34.7% -4.8% 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 January 2014 foreclosure rate. All fi gures are rounded to the nearest decimal. The unemployment rate refl ects preliminary January 2014 fi gures released by the Bureau of Labor Statistics. All other data courtesy of LPS Data & Analytics. Foreclosures that were seriously delinquent in Virginia were 3.0 percent in January, according to CoreLogic. KNOW THIS