June 1st marks the beginning of Hurricane Season here in Florida, are you prepared? According to experts, the lack of awareness and preparation can lead to serious injury and even death during a hurricane.

It is important to have a plan for you and your family during an emergency. By determining escape routes, locating a safe room in your home and having out of state contacts, you can increase your family’s chance of survival as well as your own.

Have a disaster supply kit on hand.  Keep enough items for each person for 3-7 days.  These items should include canned goods, batteries, medicines, flashlights and clothing. Keep your items in a water resistant container, such as tote.

Have a plan for your pet.  Know your local shelters that are willing to keep pets during times of disaster.  Keep a current photograph of your furry friend, just in case the two of you get separated.  Always keep your pet up to date on their vaccinations, keep in mind that some shelters may require proof of their vaccines before allowing them into the shelter.

If you area is to become evacuated be certain that you know where you are going beforehand and do not hesitate to leave.  Any delay in starting your evacuation could result in a greater probability of traffic jams.  Keeping your vehicle full of gas is just as important, gas stations have been known to run out of gas during a disaster.

Being prepared and having a plan is the key to surviving a disaster. Remember it’s never too early to start!

Rates on a 30-year fixed rate mortgage dropped to lowest level of 2011 according to mortgage giant, Freddie Mac.  Dropping to 4.71% from 4.78% last week, the mortgage rates are still above the 40-year low seen in November of 2010.

As mortgage rates are closely tied in with long-term treasury bonds, the can change significantly even on a given day.   The treasury notes fell this week after a report showing slower growth in April in the service sector, which employs nearly 90% of the workforce across the country.

Although the rates have remained around or below 5%, the high unemployment rate, declining home prices and tight lending standards have kept many potential homebuyers on the sidelines.

Freddie Mac collects mortgage rates weekly Monday through Wednesday from lenders across the nation.