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82 Florida RANK: 5 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate AUGUST 2015 2.01% 2.93% 5.3 YEAR AGO 2.87% 4.96% 5.9 YEAR-OVER-YEAR CHANGE -30.1% -41.0% -0.6 Top County WASHINGTON COUNTY 90+ Day Foreclosure Delinquency Rate Rate AUGUST 2015 2.03% 6.22% YEAR AGO 3.62% 7.35% YEAR-OVER-YEAR CHANGE -43.9% -15.4% Top Core-Based Statistical Area WAUCHULA, FL 90+ Day Foreclosure Delinquency Rate Rate AUGUST 2015 2.91% 5.90% YEAR AGO 5.04% 7.97% YEAR-OVER-YEAR CHANGE -42.2% -26.0% 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 August 2015 foreclosure rate. All figures are rounded to the nearest decimal. The unemployment rate reflects preliminary August 2015 figures released by the Bureau of Labor Statistics. All other data courtesy of LPS Data & Analytics. MEMBER Adriana M Montes, MBA Juris Doctor Candidate Owner, Real Estate Broker REO, Short Sale, Property Management & Acquisitions Director, Luxury Home Specialist, Multimillion Dollar Producer » Awarded #17 with 203 home sales in 2014 of Top 250 Latino Real Estate Agents in US! » Awarded #17 with 220 home sales in 2013 of Top 250 Latino Real Estate Agents in US! » Awarded #16 with 200 home sales in 2012 of Top 250 Latino Real Estate Agents in US! » Awarded #48 with 120 home sales in 2011 of Top 250 Latino Real Estate Agents in US! www.FloridaDreamsRealty.com 321.689.6258 cell - Adriana@FloridaDreamsRealty.com IN THE NEWS The Appraisal Foundation Partners With Three Tech Providers to Create Appraiser-Driven Software Programs for Appraisers e Appraisal Foundation, an organiza- tion that sets Congressionally-authorized standards and qualifications for real estate appraisers, and provides voluntary guidance on recognized valuation methods and techniques for all valuation professionals, has announced that Uniform Standards of Professional Ap- praisal Practice guidance will be accessible in appraisal software programs soon. ree technology providers, ACI, Bradford Technologies, and Centric Technology Solutions, will release new programs that offer USPAP and guidance as a resource for real property apprais- ers. e Appraisal Foundation chose these three companies for the initial launch due to their commitment in providing appraisers with the tools to perform quality appraisals through their respective software programs. ese programs will assist appraisers in saving time, as well as equipping appraisers with the resources to help ensure compliance with USPAP. David S. Bunton, Foundation President, said of the new initiative, "is announcement ushers in a new day for the Foundation and appraisal technology. Appraisal professionals will now have USPAP and the Foundation's related guidance at their fingertips for refer- ence during every step of the process. Digitiz- ing USPAP and including it in the appraiser's toolset is the best way to ensure compliance and ultimately build public trust in the work of appraisers." Headquartered in Palm Coast, Florida, ACI's client base is comprised of thousands of real estate appraisers. ey will incorporate USPAP and related guidance into ACI Sky™, a new Web-based appraisal platform. ACI Sky empowers the valuation professional to create full reports on the web with tools for sketch- ing, data collection, review, MISMO® XML delivery, location, and flood mapping. Bradford Technologies has provided ser- vices and products to assist appraisers in pro- ducing appraisal reports quickly and efficiently for the last 28 years. eir partnership with the Foundation offers an opportunity to further the company's focus on helping move the ap- praisal profession, and in particular residential appraisers, away from tedious form-filling and towards computer-aided appraising Redstone technology. As a provider of collateral valuation solu- tions, Centric Technology Solutions plans to fully integrate USPAP and related guidance into its dialogue-based solution for report creation and quality review by the end of 2015. Aside from Completed Foreclosures, the News in Florida is All Good Florida still leads the nation in 12-month sum of completed foreclosures by more than double the total of the next closest state, ac- cording toCoreLogic's September 2015 Nation- al Foreclosure Report released this week. But aside from that, the news in Florida as far as foreclosures are concerned is all good. e Sunshine State has fallen to third in foreclosure inventory rate (2.6 percent) behind New Jersey (4.6 percent) and New York (3.7 percent) and is getting closer to the national average, which was 1.2 percent during Sep- tember. Florida had the highest decline of any state in foreclosure inventory year-over-year in September—a 42.3 percent drop, from 4.4 percent in September 2014. In addition, Florida's serious delinquency rate (5.8 percent) in September was third, behind New Jersey (8.0 percent) and New York (6.5 percent), according to CoreLogic. In September 2014, Florida's serious delinquency rate was 8.6 percent, or 2.8 percentage points higher than September 2015. "e largest improvements in the foreclo- sure inventory continue to be in judicial states on the East Coast such as Florida and New Jersey," said Sam Khater, deputy chief econo- mist for CoreLogic. "While the overwhelming majority of states are experiencing declines in their foreclosure rates, four states experienced small increases compared with a year ago." ose four states were Massachusetts, Rhode Island, Wyoming, and New Mexico. Washington, D.C. also saw an increase in foreclosure activity. ose states, plus D.C., are typically near the bottom of the foreclosure metric list. Washington, D.C. had a lower total of completed foreclosures in the 12-month period ending September 30, 2015 (only 69)

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