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» VISIT US ONLINE @ DSNEWS.COM 19 OUTREACH SOLUTIONS JMA JMA is proud to celebrate over 20 years connecting borrowers and lenders. Visit us at jmaoutreach.com/20 to learn more and find out how we can help your business. Copyright © 2018 JMA Services, All rights reserved. For over 20 years, JMA has provided innovative solutions that connect mortgage servicers, banks and credit unions, private investors, and auto finance companies with their borrowers. From face-to-face borrower outreach to call center, direct mail, and mobile notary, our clients rely on us to deliver the right campaigns to reach borrowers, achieve resolution and help protect them from financial and reputational risk. Call Center Door Knocking Door Hangers Property Inspections Direct Mail Mobile Notary 44600 Delco Blvd Sterling Heights, MI 48310 (586) 739.1200 HELPING DELINQUENT BORROWERS SAVE THEIR HOMES Delinquency has dropped for the GSEs, according to a Foreclosure Prevention Report from the Federal Housing Finance Agency (FHFA). According to that data, Fannie Mae and Freddie Mac's overall delinquency rate fell in Q2, with the 60-plus-day delinquency rate dropping to 1.2 percent at the end of the quarter. However, the 30–59 days delinquency rate increased to 1.3 percent. e serious delinquency rate also decreased to 0.91 percent at the end of the quarter. e report's main purpose was to examine Fannie Mae's and Freddie Mac's effectiveness at preventing foreclosures. It found that the GSEs completed 139,323 foreclosure prevention actions in the first half of 2018. Since Fannie Mae and Freddie Mac entered conservatorship in 2008, 2,238,770 of these foreclosure- prevention actions have been permanent loan modifications, while 1,252,900 actions have been other forms of assistance that allowed troubled homeowners to stay in their homes. Fannie and Freddie completed 1,460 permanent loan modifications, 8,279 repayment plans, 8,206 forbearance plans, and 388 charge- offs-in-lieu in Q2 2018, preventing more delinquent borrowers from losing their homes. Fannie Mae and Freddie Mac completed 87,824 permanent loan modifications in the first half of 2018 and 51,460 loan modifications in the second quarter. Fannie Mae's permanent loan modifications rose 54 percent to 33,795 and Freddie Mac's increased 22 percent to 17,665 in Q2. Around 78 percent of the loan modifications completed by the GSEs in 2018 have been 90+ days delinquent at the time of modification, while another 46 percent were originated before 2009. In Q2 alone, Fannie and Freddie completed 70,945 foreclosure-prevention actions, decreasing the number of 60+ days delinquent loans. is included 51,460 permanent loan modifications, allowing more homeowners to stay in their homes. e FHFA also noted that Fannie and Freddie completed 68,333 home retention actions in Q2 2018, up from 65,615 in Q1. is included 51,460 permanent loan modifications, 8,279 repayment plans, 8,206 forbearance plans, and 388 charge-offs-in-lieu. Additionally, Q2 foreclosure starts declined 16 percent to 39,002 and third-party and foreclosure sales decreased 3 percent to 13,464.