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ยป VISIT US ONLINE @ DSNEWS.COM 89 Alaska RANK: 51 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate NOVEMBER 2014 1.01% 0.46% 6.3 YEAR AGO 1.11% 0.61% 6.4 YEAR-OVER-YEAR CHANGE -9.4% -24.1% 0.1 Top County NOME CENSUS AREA 90+ Day Foreclosure Delinquency Rate Rate NOVEMBER 2014 1.50% 1.85% YEAR AGO 0.90% 0.37% YEAR-OVER-YEAR CHANGE 66.3% 405.9% Top Core-Based Statistical Area FAIRBANKS, AK 90+ Day Foreclosure Delinquency Rate Rate NOVEMBER 2014 1.87% 1.09% YEAR AGO 2.09% 1.15% YEAR-OVER-YEAR CHANGE -10.4% -5.2% 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. Arizona RANK: 44 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate NOVEMBER 2014 1.34% 0.61% 6.7 YEAR AGO 1.57% 0.79% 7.6 YEAR-OVER-YEAR CHANGE -14.4% -22.7% -0.9 Top County GRAHAM COUNTY 90+ Day Foreclosure Delinquency Rate Rate NOVEMBER 2014 2.83% 1.37% YEAR AGO 2.43% 0.83% YEAR-OVER-YEAR CHANGE 16.2% 64.8% Top Core-Based Statistical Area SAFFORD, AZ 90+ Day Foreclosure Delinquency Rate Rate NOVEMBER 2014 2.83% 1.37% YEAR AGO 2.43% 0.83% YEAR-OVER-YEAR CHANGE 16.2% 64.8% 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. California RANK: 46 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate NOVEMBER 2014 1.32% 0.59% 7 YEAR AGO 1.84% 0.84% 8.3 YEAR-OVER-YEAR CHANGE -28.4% -29.4% -1.3 Top County DEL NORTE COUNTY 90+ Day Foreclosure Delinquency Rate Rate NOVEMBER 2014 2.11% 1.92% YEAR AGO 3.09% 1.88% YEAR-OVER-YEAR CHANGE -31.8% 2.2% Top Core-Based Statistical Area CRESCENT CITY, CA 90+ Day Foreclosure Delinquency Rate Rate NOVEMBER 2014 2.11% 1.92% YEAR AGO 3.09% 1.88% YEAR-OVER-YEAR CHANGE -31.8% 2.2% 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. California Nathan Sharma Remax PRoPeRty PRofeSSioNal nathansharmaremax@gmail.com www.nathansharma.remaxagent.com/ Direct 510-830-6926 Fax 925-397-3034 IN THE NEWS RES.NET Reports Increased Demand for Custom Tasking Feature Lake Forest, California-based real estate solutions provider RES.NET has seen a rise in mortgage servicers' demand for custom tasking capabilities, which the company at- tributes to new regulatory changes that were added in the third quarter. More than 80 new changes were made, forcing banks to hire new full-time staff and spend more hours meeting the new demands, according to the Banking Compliance Index. Software applications provided by RES. NET help connect real estate professional-to their clients and consumers. e company re- ported a 64 percent increase in demand in the last six months. Servicers use the software to create more than 12,000 unique tasks to their workflow that can meet their specific needs. Clients can then avoid long development cycles by developing new tasks themselves. "We see it as our responsibility to remain agile, since our clients must constantly adjust for changing regulations," said Keith Guen- ther, CEO and founder of RES.NET. "Con- sequently, we have noticed a direct correlation between the rising compliance burden and the demand for these particular tools." RES.NET said it experienced a 60-per- cent rise in 2014 due to a requirement for documents to be housed in the clients' own servers. e company was able to adapt quickly to the new regulation and now pro- vides document naming, indexing, and dates from all types of stored documents. "e speed at which regulatory changes occur does not afford servicers the luxury to wait months or even weeks to update their processes," Guenther said. "Understanding the time sensitive nature of these changes was the catalyst in our decision to offer these solu- tions. By helping our servicer clients remain compliant through our technology solutions, they can better focus on the success of their businesses." Clients have created more than 33,000 tasks unique to their own business require- ments since RES.NET launched the custom tasking feature in 2012. e Banking Compliance Index is developed and released by Continuity, a leading compliance solutions provider. Arizona ranked 30th among states in bankruptcy filings per capita for the first two months of 2015 with 1.86 filings for every 1,000 people, below the national average of 2.39 for that period, according to AACER bankruptcy data reported by Epiq Systems. KNOW THIS