According to "Realty Trac" 1.9-million homes faced foreclosure last year. That's down 34-percent. But the reason for the drop wasn't more people paying their mortgages, it was procedural delays in the process that kept banks from taking back homes.
A real estate expert says more foreclosures are expected this year as banks clear out the back log.
In Fresno County there were 1,475 foreclosure filings last month. That is one in every 254 housing units. There were 727 foreclosures in Tulare County, and 452 Merced County.