With home prices increasing and the housing market picking up the foreclosure rates are steadily falling.    According to RealtorMag.org, in May home foreclosures are down 27 percent from a year ago.   The main driver of shadow inventory is at the lowest level since December 2008, because of the stock of serious delinquent homes.  Five states account for nearly half of all completed foreclosures nationally and had the highest number of completed foreclosures in the last 12 months ending in May.