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WASHINGTON - The number of borrowers falling behind on their mortgage payments dropped sharply at the end of last year, a sign the foreclosure crisis is beginning to ebb.

The Mortgage Bankers Association said Friday that the percentage of borrowers who missed just one payment on their home loans fell to 3.6 percent in the October-to-December quarter, down from 3.8 percent in the third quarter. The decline was surprising because delinquencies usually rise in the quarter due to higher heating bills and holiday spending.  more…

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