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86 North Carolina Jennifer Harris, Broker Re/Max One Realty 100 Lynn Road, Raleigh, NC 27609 919-931-0313 cell 919-232-9251 offi ce jennifersoldit@gmail.com www.RaleighBestHomeSearch.com North Carolina RANK: 34 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate NOVEMBER 2014 2.43% 0.88% 5.8 YEAR AGO 2.64% 1.37% 7.2 YEAR-OVER-YEAR CHANGE -8.0% -35.2% -1.4 Top County ANSON COUNTY 90+ Day Foreclosure Delinquency Rate Rate NOVEMBER 2014 5.72% 2.63% YEAR AGO 6.21% 2.43% YEAR-OVER-YEAR CHANGE -7.8% 8.2% Top Core-Based Statistical Area HENDERSON, NC 90+ Day Foreclosure Delinquency Rate Rate NOVEMBER 2014 6.75% 1.69% YEAR AGO 7.28% 2.59% YEAR-OVER-YEAR CHANGE -7.2% -34.7% 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 2014 foreclosure rate. All fi gures are rounded to the nearest decimal. The unemployment rate refl ects preliminary November 2014 fi gures released by the Bureau of Labor Statistics. All other data courtesy of LPS Data & Analytics. IN THE NEWS Mississippi Leads in Both Non-Current, Serious Delinquent Mortgage Rates in November Mississippi was the state with the highest percentage of non-current mort- gages and serious delinquent mortgages in November, according to data released recently as part of Black Knight Financial Services' November 2014 "First Look" at mortgage data. In November, 14.88 percent of all mort- gages in Mississippi were non-current (30 days or more past due but not in foreclosure), compared to the national average of 6.08 percent. e national average for November represented an 11.82 percent increase from October's non-current mortgage rate (the rate declined by 5.69 percent year-over-year in November). Mississippi's November non-current mortgage rate of 14.88 percent was a 3.15 percent decrease from November 2013 and was still way below the Magnolia State's peak of 22.85 percent, attained in October 2005. Earlier that year, in March 2005, Mississippi's non-current mortgage rate fell to its all-time low of 9.60 percent. e state with the second highest non- current mortgage rate in November was New Jersey at 12.41 percent, followed by Louisiana (11.87 percent), New York (10.97 percent), and Rhode Island (10.78 percent). e state with the lowest non-current mort- gage rate for the month was Montana with 4.22 percent. Mississippi also had the nation's highest serious delinquency rate (90 days or more overdue or in foreclosure) for the month of November, with 5.39 percent of mortgages in the state in serious delinquency. is percentage represented a 0.6 percent year- over-year increase, but was still well below Mississippi's serious delinquency rate peak of 9.9 percent in December 2005. e state's low for serious delinquency rate was 2.74 percent, achieved in March 2005. e second highest serious delinquency rate in November was in Rhode Island (3.80 percent), followed by Louisiana (3.68 per- cent), Alabama (3.66 percent), and Arkansas (3.34 percent). IN THE NEWS RoundPoint Upgrades Consumer Ombudsman Program RoundPoint Mortgage Servicing customers concerned about any issues surrounding their loan can now access the company's Consumer Ombudsman online, thanks to an upgrade introduced recently. In a release, the North Carolina-based company announced it has enhanced its ombudsman program, allowing consumers to escalate any complaints directly through the RoundPoint website. Established as a neutral resource, the Consumer Ombudsman office works to protect borrowers' rights by investigating alleged violations, monitoring Round- Point's business activity, and working with business units to correct consumer issues. e program also offers recommendations for problem resolution and supplies trend analysis to determine potential process problems and areas to improve. "e Consumer Ombudsman offers an independent and impartial resolution process and acts as a neutral arbiter of these customer inquiries," said Dave Worrall, chairman and president of RoundPoint. "It is our obligation to offer each consumer the support they need to fulfill their mort- gage commitments. Making this program available through our website is one more way we are taking that responsibility very seriously." Brad Johnson, COO of RoundPoint, added that the addition of easy online access reflects the company's approach to provide information and resources to borrowers through as many channels as possible. "is program is one more way that we can quickly get to the heart of the issue, provide a method by which the consumer can easily understand their options, and solve problems," Johnson said. "We're very proud of this program and the positive effects we expect it to have on our business and our customers' lives." The year-over-year percentage point decline for the foreclosure rate in North Carolina in November 2014 (from 1.3 percent down to 0.8 percent). The national average was 1.5 percent. Source: CoreLogic STAT INSIGHT 0.5

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