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» VISIT US ONLINE @ DSNEWS.COM 105 Texas RANK: 41 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate JUNE 2014 2.17% 0.73% 5.1 YEAR AGO 2.22% 1.16% 6.4 YEAR-OVER-YEAR CHANGE -2.3% -36.7% -1.3 Top County HOUSTON COUNTY 90+ Day Foreclosure Delinquency Rate Rate JUNE 2014 2.21% 3.05% YEAR AGO 3.16% 1.28% YEAR-OVER-YEAR CHANGE -30.0% 138.4% Top Core-Based Statistical Area SULPHUR SPRINGS, TX 90+ Day Foreclosure Delinquency Rate Rate JUNE 2014 3.01% 2.06% YEAR AGO 2.63% 1.39% YEAR-OVER-YEAR CHANGE 14.5% 48.8% 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 June 2014 foreclosure rate. All fi gures are rounded to the nearest decimal. The unemployment rate refl ects preliminary June 2014 fi gures released by the Bureau of Labor Statistics. All other data courtesy of LPS Data & Analytics. Ruben M. Peña TC AUSTIN RESIDENTIAL GROUP, LLC 12950 Country Pkwy Suite 180 San Antonio, TX 78216 210.490.3948 ext. 1002 Offi ce 210.424.0420 Fax 210.710.2612 Cell www.tcaustinres.com Knowledge & Experience You Can Count On IN THE NEWS Texas Job Growth Slows e old adage "everything's bigger in Texas" really does ring true sometimes. e nation's second most populous state leads the nation in job growth and is consistently ranked as one of the best climates for business in the United States. In fact, a controversial campaign from Texas Gov. Rick Perry to try to woo business from other states to the Lone Star State has been somewhat successful as large corpora- tions continue to announce the migration of their corporate headquarters there. According to Bureau of Labor Statistics data, job growth may be slowing. e Texas economy added only 19,100 jobs in June and the unemployment rate stayed the same at 5.1 percent, near full employment. To be sure, there are many states in the union that would be envious of numbers like that, but the problem is that it represents a significant decline from the rest of 2014. Texas added an average of 37,433 jobs a month in the first half of 2014, up from 27,760 jobs a month in the first half of 2013, and the state led the nation with 371,000 new jobs created in the last 12 months. Texas has been responsible for a large share of the heavy lifting for the job growth that has been a part of the economic recovery. e slowdown could be an early indicator that growth nationwide is preparing to cool. Despite the drop, analysts are not worried for now, pointing to health migration trends and momentum gains in bellwether industries for the state. default servicing in print and online @ dsnews.com 08.2014 default servicing in print and online default servicing in print and online default servicing in print and online default servicing in print and online .201 .201 .201 .201 .201 .201 .201 .201 .201 .2014 default servicing in print and online default servicing in print and online default servicing in print and online default servicing in print and online default servicing in print and online default servicing in print and online default servicing in print and online default servicing in print and online @ dsnews.com dsnews.com dsnews.com dsnews.com dsnews.com dsnews.com dsnews.com 08 08 08 08 08 08.201 .201 Housing's Golden Investment or Fairy Tale? While data shows that the housing industry is making a signifi cant rebound, some housing market investors are fi nding that in the realm of purchasing of non-performing notes is a mere fantasy. 68 Q&A SESSIONS GOOD FOR BUSINESS Knowing which questions to ask is a critical piece to investor success in the changing marketplace. 72 PREYING FOR PAYOFF Troubled homeowners are easy prey for scammers, but steps can be taken by homeowners and servicers to make sure their investments are protected. 64 APPLES, ORANGES, AND LEMONS: EFFECTIVELY MEASURING HAZARD- CLAIMS MANAGEMENT If the devil is truly in the details, one of those details for mortgage servicers is managing the mortgagee-fi led hazard insurance claims process. THE LEADER IN DEFAULT SERVICING NEWS Help shape the next issue of DS News. Drop us a line at Editor@DSNews.com. Texas has 10,650 schools, or 1 school per 25 square miles, according to RealtyTrac. KNOW THIS

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