LinkedIn reports from Realty Trac that notices for mortgage payment defaults fell to their lowest level in five years.  Foreclosure filings fell 33 percent from May a year ago, and bank repossessions are down nearly 30 percent from May 2012.  Banks are expected to repossess 20 percent fewer homes this year than 2010, but there are still two million homes in the foreclosure process.  However, it is not time to throw caution to the wind, as the signs of a slow recovery linger in the shadow of the homes still in process.  The states with the highest foreclosures for May are (in order): Nevada, Arizona, California, Michigan, Utah, Georgia, Idaho, Florida, Illinois and Colorado.