This blog just reported yesterday on the high non-mortgage debt that most Americans are carrying these days, seemingly led by auto-related debt. But while that may be true, it doesn’t seem to be keeping all of you from making your payments, which is great news for everyone! The 30-day mortgage delinquency rate fell to 4.82% in June, down 2.9% from May and 15.5% from a year earlier. Not only that, but foreclosure starts were also down: 3.5% month-over-month, and 10.5% year-over-year. All statistics from Mortgage Servicing News.