Companies that make their living from servicing delinquent and “high touch” mortgages may want to reconsider their business options going forward. According to new figures compiled by Inside Mortgage Finance, late payments on home mortgages continued their downward trend in the fourth quarter with the nation’s top servicers recording a combined delinquency rate of 9.48 percent, a 141 basis point improvement over the same period a year earlier. Compared to the third quarter, late payments fell 74 bps, another sign that the problem loans are...[Includes one data chart]