CNNMoney reports that the largest drop in year-to-year foreclosures ever saw the rate fall 27 percent from last year, and 14 percent from a month earlier.  RealtyTrac says, however, it may be a false positive in that the harsh winter may have prevented filings from being issued and notices going out.  CEO James Saccacio says, “The industry is in the midst of a major overhaul that has severely restricted its capacity to process foreclosures.”  Some mortgage servicers may be waiting to see what happens with fallout from the robo-signing mortgages.  Banks repossessed 64,643 homes during the past month, down significantly from the peak of 102,000 last September.  Real estate website Zillow says about 30 percent of borrowers with homes owe more than their homes are worth.