DENVER — Foreclosures are up in Yourtown, but a colleague at a credit union in a neighboring city is seeing foreclosures drop.

Your mortgage department is witnessing an upswing in activity and local Realtors say sales will improve even more later this year. However, you're reading headlines such as "Delinquencies and Foreclosures Increase in Latest MBA National Delinquency Survey" and "Housing Pain Spreads."

What's going on?

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