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86 Florida RANK: 4 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate NOVEMBER 2014 3.02% 3.66% 5.6 YEAR AGO 3.20% 7.41% 6.3 YEAR-OVER-YEAR CHANGE -5.8% -50.6% -0.7 Top County WASHINGTON COUNTY 90+ Day Foreclosure Delinquency Rate Rate NOVEMBER 2014 4.33% 7.94% YEAR AGO 3.98% 12.40% YEAR-OVER-YEAR CHANGE 8.7% -35.9% Top Core-Based Statistical Area ARCADIA, FL 90+ Day Foreclosure Delinquency Rate Rate NOVEMBER 2014 3.82% 6.58% YEAR AGO 4.81% 10.40% YEAR-OVER-YEAR CHANGE -20.6% -36.7% 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. Florida Adriana M Montes, MBA Florida Dreams Realty Group adriana@FloridaDreamsRealty.com Cell 321 689 6258 www.fl oridadreamsrealty.com MEMBER IN THE NEWS ARMCO Adds Advanced Reporting with Tableau Integration ACES Risk Management (ARMCO), a Florida-based provider of Web-based quality control software for the mortgage industry, announced the addition of new enhance- ments to its Web Audit Technology via integration with analytics software leader Tableau Software. anks to Tableau's data analytics, ARMCO customers are able to create highly visual analysis using real-time data available to them through ACES. rough the inte- grated reporting dashboard, users have the option to employ a set of pre-defined reports or create their own with Tableau's drag-and- drop functionality. Another new benefit to users comes in the form of Tableau's dynamic reporting capabili- ties, which allow recipients to interact with data being reported and filter the information in their own quality control and compliance software. "Big data is an idea whose time has come for the mortgage industry," said Avi Naider, chairman and CEO of ARMCO. "e level of detailed reporting Tableau provides allows our customers to get their arms around the data they possess to uncover actionable insights regarding the quality of their loan production and portfolio." Scott Jones, SVP of Americas sales for Tableau, called the integration with ARM- CO "an exciting step forward for mortgage quality control reporting." "ARMCO's industry expertise in Web- based quality control software and audit technology will help bring Tableau to mort- gage banking professionals striving to make data-driven decisions to improve loan quality and manufacturing processes," Jones said. Florida Man Receives 21-Month Prison Sentence for Fraud A Florida man has been sentenced to 21 months in federal prison for a fraud scheme perpetrated against businesses and indi- viduals seeking lines of credit, according to an announcement from Christy Romero, the Special Inspector General for the Troubled Asset Relief Program (SIGTARP). e sentence was handed down by U.S. District Judge Edward Chen to Michael Pit- amber Ramdat, 30, of Palm Bay, Florida, on Wednesday, January 21, according to the an- nouncement from SIGTARP and Melinda Haag, U.S. attorney for the Northern District of California, and David J. Johnson, special agent in charge of the FBI San Francisco field office. Ramdat was indicted on Novem- ber 21, 2013, on five counts of wire fraud and one count of conspiracy. He pleaded guilty to all counts on June 11, 2014. Court documents stated that Ramdat and his business partner, Leigh Farrington Fiske, of Tampa, Florida, operated a business called Corporate Funding solutions, the purported purpose of which was to obtain lines of credit for customers who paid a fee. Fiske solicited customers for the business via the Internet and word of mouth, but the two men never intended to offer any services for the fees col- lected. Ramdat served as a "customer service" representative, where his job was to vouch for the legitimacy of the business with victims recruited by Fiske and to provide excuses to victims of the fraud. e two men collected about $433,000 from approximately 30 victims without obtaining lines of credit for them or provid- ing any services at all. Ramdat admitted that he kept more than $200,000 of the money. e two men funneled monies they received from the scam through banks that received funding through TARP, according to the plea agreement. Fiske was sentenced by Judge Chen to 37 months in prison, which he will begin serv- ing on March 31. In addition to the prison sentence, Ramdat was sentenced to three years of supervised release and ordered to pay restitution. He began serving his prison sentence immediately. Florida Still Tops in Nation for 12-Month Sum of Completed Foreclosures While foreclosure activity in Florida has been generally declining for the last year, the Sunshine State has still not completely recov- ered from being one of the states hit hardest by the financial crisis and foreclosure wave, which peaked in 2010. According to CoreLogic's November 2014 National Foreclosure Report, there were 118,089 completed foreclosures in Florida for the 12-month period ending November 30, 2014, by far the most of any state in the nation. A distant second was Michigan with 50,195, and Texas was in third with 35,601. California (29,226) came in fourth. Florida is the only one of those four that is a judicial foreclosure state, meaning the foreclosure process has to pass through the court system to be completed. Florida's 12-month sum of completed foreclosures for the period ending November