Smart Borrower Blog

Foreclosure Activity Up 81 Percent in 2008

Jan 21st, 2009 @ 10:16 AM by Amber Nelson

The number of foreclosure filings during 2008 shot up 81 percent over the previous year, according to foreclosure data company RealtyTrac Thursday. That growth accounts for at least one foreclosure filing notice for one out of every 54 American households. Filings include default notices, auction sales, and bank repossession notices.

“Clearly the foreclosure prevention programs implemented to date have not had any real success in slowing down this foreclosure tsunami,” James J. Saccacio, chief executive officer of RealtyTrac, said in the report. State legislation that slowed down the onset of new foreclosure activity clearly had an effect on fourth-quarter numbers overall, but that effect appears to have worn off by December.”

“The recent California law,” Saccacio added, speaking of the state’s foreclosure restrictions, “much like its predecessors in Massachusetts and Maryland, appears to have done little more than delay the inevitable foreclosure proceedings for thousands of homeowners.”

Regionally,  Nevada was the state with the highest foreclosure rate with one of every 14 households receiving some sort of foreclosure notice during the year. The next highest rates were attributed to Florida with 4.52 percent, Arizona at 4.49 percent, and California with 3.97 percent.

California, however, had the largest total amount of foreclosure filings with 523,624 properties being served notices. The Stockton, California metropolitan area also had the highest foreclosure rate of any of the top 100 areas in the nation with 9.46 percent.

The nation’s foreclosure rates have jumped, in large part, due to falling home prices and tighter mortgage lending restrictions. One bright spot on the horizon is that long-term interest rates have fallen to their lowest point on record during the past month, potentially making it more attractive and affordable in terms of home buying and refinancing.

Some, including those at RealtyTrac, are not so positive about the housing market situation. Commenting on the the record 303,410 foreclosures in December 2008 alone, RealtyTrac senior vice president Rick Sharga said, “That was a surprise. These filings came despite (foreclosure) moratoriums. There was no way we were expecting a near-record month, and I believe January will be a record-setting month. We’re in for a very difficult year.”

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About Amber Nelson
Amber Nelson is a seasoned mortgage industry writer and a regular contributor to and

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