According to the article Fewer Home Owners Late on Mortgage Payments by Realtor Magazine, the state of the Real Estate market, including Downtown San Diego, is slowly stabilizing. This is due in part because fewer owners are late on their payments. The article itself shows the drops in both agency and non-agency sourced loans. Specifically, non-agency loans have by far dropped the most since January of 2010. With delinquencies being less of an issue, it is only a sign that the economic conditions are improved gradually. At this rate, severe delinquencies could return to their mid-2007 levels by 2014. As the Downtown San Diego Real Estate market returns to normal, news articles such as this will maintain the positive momentum the market is slowly getting.