The Minnesota Homeownership Center has released its 2012 year end data which shows tht Preforeclosure notices are down.  For the fourth quarter, there were only 6,937 notices issued which is 45% less than the same period in 2011!  For the entire 2012 year, there were 28% few Preforeclosure notices issued than in 2011.  The City of St. Paul is the only area where Preforeclosure notices have not decreased.  While this is encouraging news showing that we are moving in the right direction, there are still some 40,000 homes struggling with their mortgage payments.