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92 Texas RANK: 41 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate JULY 2014 2.14% 0.74% 5.3 YEAR AGO 2.21% 1.16% 6.4 YEAR-OVER-YEAR CHANGE -3.2% -36.0% -1.1 Top County HOUSTON COUNTY 90+ Day Foreclosure Delinquency Rate Rate JULY 2014 2.33% 2.96% YEAR AGO 2.84% 1.49% YEAR-OVER-YEAR CHANGE -18.0% 98.9% Top Core-Based Statistical Area SULPHUR SPRINGS, TX 90+ Day Foreclosure Delinquency Rate Rate JULY 2014 2.54% 1.79% YEAR AGO 2.76% 1.65% YEAR-OVER-YEAR CHANGE -8.0% 8.4% 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 July 2014 foreclosure rate. All fi gures are rounded to the nearest decimal. The unemployment rate refl ects preliminary July 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 Assurant Specialty Property Acquires eMortgage Logic Assurant Specialty Property announced it acquired eMortgage Logic, LLC, in an effort to expand its risk management offerings for the mortgage industry. eMortgage Logic is a provider of residential valuation products and valuation technology services. Assurant acquired eMortgage Logic for an initial payment of $17 million in cash, with a possible earnout payment based on future performance, according to the company. "is acquisition builds on our core strengths in serving the mortgage industry," said Gene Mergelmeyer, president and CEO of Assurant Specialty Property. "More than ever, we can serve mortgage originators, servicers, and capital markets investors with a comprehensive suite of risk management solutions, from insurance to valuation to property preservation. eMortgage Logic augments our existing offerings and supports our business strategy, as we work to provide end-to-end services to mortgage and lending institutions." Based in North Richland Hills, Texas, and founded in 2002, eMortgage Logic, which will retain its brand name, is expected to generate approximately $35 million annu- ally in fee income from mortgage servicing and capital markets customers, according to company sources. "We're thrilled to join Assurant, a leader in risk management for the mortgage indus- try and a Fortune 500 company with a strong financial foundation," Sells said in a state- ment. "In this dynamic environment, local market valuation is a vital part of managing risk. We look forward to the opportuni- ties created by this combination, which will enable us to better serve our clients' evolving needs." Virginia RANK: 44 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate JULY 2014 1.74% 0.63% 5.6 YEAR AGO 2.15% 0.81% 5.6 YEAR-OVER-YEAR CHANGE -19.1% -21.6% 0 Top County SMYTH COUNTY 90+ Day Foreclosure Delinquency Rate Rate JULY 2014 2.33% 2.40% YEAR AGO 3.09% 2.15% YEAR-OVER-YEAR CHANGE -24.6% 11.5% Top Core-Based Statistical Area 90+ Day Foreclosure Delinquency Rate Rate JULY 2014 YEAR AGO YEAR-OVER-YEAR CHANGE 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 July 2014 foreclosure rate. All fi gures are rounded to the nearest decimal. The unemployment rate refl ects preliminary July 2014 fi gures released by the Bureau of Labor Statistics. All other data courtesy of LPS Data & Analytics. West Virginia RANK: 30 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate JULY 2014 2.57% 1.10% 6.6 YEAR AGO 2.16% 1.46% 6.5 YEAR-OVER-YEAR CHANGE 18.9% -24.6% 0.1 Top County WETZEL COUNTY 90+ Day Foreclosure Delinquency Rate Rate JULY 2014 2.32% 3.36% YEAR AGO 2.11% 1.60% YEAR-OVER-YEAR CHANGE 10.1% 109.6% Top Core-Based Statistical Area 90+ Day Foreclosure Delinquency Rate Rate JULY 2014 YEAR AGO YEAR-OVER-YEAR CHANGE 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 July 2014 foreclosure rate. All fi gures are rounded to the nearest decimal. The unemployment rate refl ects preliminary July 2014 fi gures released by the Bureau of Labor Statistics. All other data courtesy of LPS Data & Analytics. Texas had the highest percentage of mortgaged residential properties in an equity position at 97.3 percent, according to CoreLogic. KNOW THIS