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ยป VISIT US ONLINE @ DSNEWS.COM 113 and we are excited to release these changes for them," said Donna Schmidt, co-owner of Wa- terfallCalc.com. "We are constantly looking for ways to extend the value of WaterfallCalc.com and deliver the most useful, robust product." e company plans to release Waterfall- Calc.com Version 2.1 in the coming weeks. is update will allow users to create record- able mortgage modification and subordinate mortgage documents in real time at the touch of a button, based on calculated results. is enhancement eliminates the possibility of indemnification or negative amortizing loan balance due to a typographical error. WaterfallCalc.com was created by Donna Schmidt, managing director of DLS Servicing Consultants, and Andy Tabisz, president of Worksmart Database Masters, to accommo- date the need for fair and consistent FHA loss mitigation, according to the company. Minnesota RANK: 49 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate JUNE 2015 0.84% 0.50% 3.9 YEAR AGO 1.22% 0.58% 3.9 YEAR-OVER-YEAR CHANGE -30.6% -14.0% 0 Top County PIPESTONE COUNTY 90+ Day Foreclosure Delinquency Rate Rate JUNE 2015 0.91% 3.39% YEAR AGO 1.83% 2.91% YEAR-OVER-YEAR CHANGE -50.0% 16.7% Top Core-Based Statistical Area WORTHINGTON, MN 90+ Day Foreclosure Delinquency Rate Rate JUNE 2015 0.95% 1.15% YEAR AGO 1.25% 0.35% YEAR-OVER-YEAR CHANGE -24.3% 230.2% 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 June 2015 foreclosure rate. All figures are rounded to the nearest decimal. The unemployment rate reflects preliminary June 2015 figures released by the Bureau of Labor Statistics. All other data courtesy of LPS Data & Analytics. Minnesota www.MinnesotaREO.com 612-669-6324 952-829-2938 763-432-7640 612-821-7500 952-844-1511 763-533-9133 651-209-8444 Bruce McAlpin Jeff Detloff Long H. Doan Maribel Garcia Garth Johnson Craig Murphy Michael Olsen Missouri RANK: 38 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate JUNE 2015 1.73% 0.76% 5.8 YEAR AGO 2.22% 0.81% 6 YEAR-OVER-YEAR CHANGE -22.1% -6.8% -0.2 Top County MISSISSIPPI COUNTY 90+ Day Foreclosure Delinquency Rate Rate JUNE 2015 3.67% 3.00% YEAR AGO 4.56% 2.45% YEAR-OVER-YEAR CHANGE -19.5% 22.6% Top Core-Based Statistical Area POPLAR BLUFF, MO 90+ Day Foreclosure Delinquency Rate Rate JUNE 2015 1.50% 1.53% YEAR AGO 2.56% 1.87% YEAR-OVER-YEAR CHANGE -41.1% -18.0% 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 June 2015 foreclosure rate. All figures are rounded to the nearest decimal. The unemployment rate reflects preliminary June 2015 figures released by the Bureau of Labor Statistics. All other data courtesy of LPS Data & Analytics. Nebraska RANK: 42 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate JUNE 2015 1.19% 0.61% 2.6 YEAR AGO 1.54% 0.54% 3.3 YEAR-OVER-YEAR CHANGE -22.5% 11.8% -0.7 Top County BURT COUNTY 90+ Day Foreclosure Delinquency Rate Rate JUNE 2015 3.16% 2.57% YEAR AGO 4.30% 0.91% YEAR-OVER-YEAR CHANGE -26.4% 183.3% Top Core-Based Statistical Area SCOTTSBLUFF, NE 90+ Day Foreclosure Delinquency Rate Rate JUNE 2015 1.26% 1.33% YEAR AGO 1.75% 0.90% YEAR-OVER-YEAR CHANGE -27.7% 48.8% 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 June 2015 foreclosure rate. All figures are rounded to the nearest decimal. The unemployment rate reflects preliminary June 2015 figures released by the Bureau of Labor Statistics. All other data courtesy of LPS Data & Analytics. North Dakota RANK: 50 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate JUNE 2015 0.46% 0.48% 3.1 YEAR AGO 0.55% 0.62% 2.7 YEAR-OVER-YEAR CHANGE -16.3% -21.4% 0.4 Top County TRAILL COUNTY 90+ Day Foreclosure Delinquency Rate Rate JUNE 2015 0.50% 2.12% YEAR AGO 1.25% 1.43% YEAR-OVER-YEAR CHANGE -59.7% 49.0% Top Core-Based Statistical Area JAMESTOWN, ND 90+ Day Foreclosure Delinquency Rate Rate JUNE 2015 0.32% 0.90% YEAR AGO 0.51% 0.65% YEAR-OVER-YEAR CHANGE -38.3% 39.7% 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 June 2015 foreclosure rate. All figures are rounded to the nearest decimal. The unemployment rate reflects preliminary June 2015 figures released by the Bureau of Labor Statistics. All other data courtesy of LPS Data & Analytics. Michigan had the largest distressed sales share among states in May 2015 with 21.4 percent, according to CoreLogic. KNOW THIS The percentage of year-over-year decline in foreclosure inventory (percentage of loans in some state of foreclosure) in Minnesota in June 2015. Minnesota's percentage (1.5 percent) was one-third the national average for the month. Source: Black Knight Financial Services STAT INSIGHT 19%