Finding Your Zen…..

Finding your zen….

1) Think about the larger purpose of living your life more mindfully.
Is it about more than you?
2) “Motivation” is a better strategy than “discipline”
for developing new, more wholesome habits.
3) Remember that happiness and excitement are not the same thing –
happiness and peace are the same thing.
4) Begin your day by sitting down – and doing nothing. Zen is the
practice of “radical not doing.”
5) Ask yourself “Am I happy?”

Janus International Realty …….

JANUS INTERNATIONAL REALTY is the premier real estate brokerage firm in South Florida, delivering the ultimate level of service and expertise to the real estate market. Whether you want an urban penthouse, waterfront home, equestrian facility, island retreat, private villa or a historic mansion to call your own, JANUS INTERNATIONAL REALTY’s real estate services and mortgage partners can place you in your dream home or finance your next commercial or residential project.

Integrity and honesty characterize our company, where agents with solid business, negotiating and marketing skills offer expertise in residential and commercial sales, as well as residential and commercial lending, including agents specializing in investment properties. Our agents, who average more than 20 years experience, have South Florida ties that go back generations – and skills that combine the cutting edge of technology with timeless, one-on-one personalized service. You’ll find our professional agents are well-versed in local building codes, and landmark and environmental issues, and can connect you with contractors who can assist you should you wish to remodel or build a new home.

JANUS INTERNATIONAL REALTY’S local recognition and its unmatched expertise in the market has set the standard as the premier name in exceptional real estate services in South Florida.

FHA to tighten mortgage standards in 2013

WASHINGTON – Dec. 21, 2012 – In an effort to make up for a large budget shortfall, the Federal Housing Administration (FHA) announced it will publish new mortgage standards for certain homeowners and replace a popular reverse-mortgage program on Jan. 31, 2013.

Among the changes: Borrowers with credit scores between 580 and 620 will face stricter underwriting standards; specifically, they’ll have stricter limits on their debt-to-income ratio.

The FHA also will soon require a minimum downpayment of 5 percent for high-cost mortgages that exceed $625,500.

FHA also plans to suspend its popular reverse-mortgage option, which allows those 62 years and older to take cash out of their homes in a big, upfront payment, The Wall Street Journal reports. FHA will be replacing it with the Home Equity Conversion Mortgage saver, which offers lower cash payments than the large upfront payment of the other program.

The changes are part of an effort to make up for a $16.3 billion deficit FHA faces. The FHA reverse-mortgage program alone accounts for $2.8 billion of those losses.

Last month, the FHA also announced it would increase insurance premiums.

Source: “FHA to Tighten Mortgage Programs,” The Wall Street Journal (Dec. 18, 2012)

Happy New Year!!!!

Happy New Year!!!!