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80 New Hampshire RANK: 33 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate NOVEMBER 2014 1.93% 0.98% 4 YEAR AGO 2.19% 1.24% 5.2 YEAR-OVER-YEAR CHANGE -11.6% -20.5% -1.2 Top County SULLIVAN COUNTY 90+ Day Foreclosure Delinquency Rate Rate NOVEMBER 2014 2.79% 2.08% YEAR AGO 3.11% 1.74% YEAR-OVER-YEAR CHANGE -10.4% 19.5% Top Core-Based Statistical Area CLAREMONT-LEBANON, NH-VT 90+ Day Foreclosure Delinquency Rate Rate NOVEMBER 2014 1.85% 1.73% YEAR AGO 2.23% 1.54% YEAR-OVER-YEAR CHANGE -16.9% 12.4% 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 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 Commonwealth. As part of the settlement, the banks will be required to assist consumers who claim the HED to their residence is void from an unlawful foreclosure. Assistance will likely include conducting a thorough HED review, providing curative documents, releasing junior liens held by banks, and paying costs associated with the HED cure in cases where consumers do not have HED insurance, ac- cording to the Massachusetts AG office. Out of the $2.7 million penalty, the AG's Local Consumer Aid Fund will receive $700,000 to be put toward further consumer assistance. e Commonwealth's General Fund will receive the remaining $2 million. New Jersey RANK: 1 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate NOVEMBER 2014 3.22% 5.36% 6.2 YEAR AGO 3.63% 7.19% 7.2 YEAR-OVER-YEAR CHANGE -11.3% -25.5% -1 Top County SALEM COUNTY 90+ Day Foreclosure Delinquency Rate Rate NOVEMBER 2014 5.17% 9.46% YEAR AGO 5.67% 11.56% YEAR-OVER-YEAR CHANGE -8.8% -18.2% Top Core-Based Statistical Area VINELAND-BRIDGETON, NJ 90+ Day Foreclosure Delinquency Rate Rate NOVEMBER 2014 7.11% 8.48% YEAR AGO 7.40% 10.57% YEAR-OVER-YEAR CHANGE -3.8% -19.8% 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 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. 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 New York RANK: 2 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate NOVEMBER 2014 2.70% 4.22% 5.8 YEAR AGO 2.79% 5.58% 7 YEAR-OVER-YEAR CHANGE -3.2% -24.2% -1.2 Top County SULLIVAN COUNTY 90+ Day Foreclosure Delinquency Rate Rate NOVEMBER 2014 2.79% 2.08% YEAR AGO 3.11% 1.74% YEAR-OVER-YEAR CHANGE -10.4% 19.5% Top Core-Based Statistical Area AMSTERDAM, NY 90+ Day Foreclosure Delinquency Rate Rate NOVEMBER 2014 4.87% 7.99% YEAR AGO 4.63% 9.28% YEAR-OVER-YEAR CHANGE 5.2% -13.8% 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 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. New York Todd Yovino Broker/Owner Island Advantage Realty, LLC Metropolitan New York and Long Island's Default Specialist for Over 26 Years Todd@iarny.com | 631-820-3400 www.islandadvantage.com New Jersey had the second-highest percentage of non- current mortgages in December 2014 with 11.9 percent, second only to Mississippi (14.18 percent), according to Black Knight Financial Services KNOW THIS The New York-Jersey City-White Plains metro area had the 15th-highest number of completed foreclosures for the 12-month period ending December 31, 2014 with 4,232, according to CoreLogic. KNOW THIS The serious delinquency rate for Massachusetts for December, slightly below the national average of 4.1 percent for the month. The foreclosure rate in Massachusetts in December (1.2 percent) was also slightly below the national average of 1.4 percent Source: CoreLogic STAT INSIGHT 4%