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	February 2013 Copyright © 2012 Realty Times All Rights Reserved. How to Keep Your Mortgage Approval Approved You know how tough it is to qualify for a mortgage. Proof you've got a long-term job with ample income. A credit score to the moon. Your life's savings as a down payment. More cash stashed away. A debt-to-income ratio to die for. For some, tax returns for the last two years. You've been there, done that. For weeks now. Maybe a month or more. You've fought the good fight, you've run the gauntlet of mortgage qualifications and you have your signature-tired hands on that coveted home loan approval. Now, all you have to do is not blow it. Mortgage Rates U.S. averages as of January 31, 2013: 30 yr. fixed: 3.53% 15 yr. fixed: 2.81% 1 yr. adj: 2.59% View current rates For goodness sake, don't make any surprise financial moves that could cost you your home loan. Your mortgage approval is primarily based on documenting your income and assets, your equity stake or down CONTINUED >>> Click Below to Order Your Natural Hazard Disclosure Today! Click Here Stopping The Spread Of Flu at Home At-home steps to prevent the spread of the flu may sound harsh, but the current strains sweeping the nation are killers. The Centers for Disease Control (CDC) says, for the week ending Dec. 29, 2012, the proportion of deaths attributed to pneumonia and influenza was just "below the epidemic threshold." Health care provider visits for the flu and influenza-like illness (ILI) symptoms are above normal and 29 states and New York City are reporting high ILI activity, the CDC says. Forty-one states reported widespread geographic influenza activity for the week of December 23-29, 2012, an increase from 31 states the previous week. Get vaccinated Forget the myths and fears about vaccines giving you the flu, prolonged pain or soreness from a needle prick (you can take the mist version up your nose), the vaccine being useless and other fear-based excuses for not getting vaccinated. Medical professionals from virtually every medical trade association say a flu vaccine is your best line of defense. And it's not too late, provided you aren't already ill. CONTINUED >>> What To Do When Your Home Isn't Selling When sellers start the home-selling process, no one wants to think "What would happen if my home doesn't sell?" But before you panic, recognize that there are many things that you can do so you don't wind up in that position. Tip 1: Understanding the real estate market and the value of your home will help you avoid this dilemma. The first key point is to get educated about the market. Read your newspapers, online real estate sites, and consult with the best experts in real estate for your area to determine the sales price. While all that may seem basic, you'd be surprised how many sellers rely on emotion to dream up a selling price for their home. Some have done little, if any, research on even their own neighborhood. Instead, their strong ties to their homes cause them to imagine that their home should sell for the price they want. Or they base the selling price on how much they owe which is, of course, of no significance to buyers. Tip 2: Fix up your home. Most buyers don't want to purchase a big list of must-do fixes in order to live in the home they just bought. Yet, some sellers think that it's a waste to spend money on a home that they're moving out of soon. That's quite a predicament. Both sides have valid points except one side–buyers–might be in a stronger position. The seller wants out and if the home is a mess, many buyers will simply move on to the next best house. Yet, if a buyer wants it badly enough, he/she might CONTINUED >>> Rental Increases Should Prompt More Home Buying Moves Rents are still going through the roof, just not as quickly. Rents were up for the third consecutive year in 2012, when they rose a bit slower than in 2011, but forecasts call for rent increases in 2013 to match 2012's increases, according to MPF Research. That puts more pressure on housing consumers to buy and lock in housing costs to beat both the rising cost of rent and the growing costs of owning a home. Buyers who move now can still enjoy record low interest rates, distressed property bargains and relatively affordable home prices. However, most renter movement in the apartment sector consists of households opting for one apartment over another. CONTINUED >>> Daily News and Advice Read about the events shaping the Real Estate market today, find current interest rates, or browse the extensive library of advice and how-to articles written by some of the top experts in Real Estate. Updated each weekday. More Articles January Round Up: Mortgage Rates Trending Higher Preparing To Buy A Home Quick Tips For a Fast Sale What A Real Estate Expert Can Do For You Property ID E-mail: lbye@propertyid.com Ph:(213) 625-0100 Ext. 134 Property ID1001 Wilshire Blvd., Suite 100 Los Angeles, CA 90017 Equal Housing Opportunity

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