It's time to determine naughty & nice! Mortgage Mano has tips on how to keep mortgage applications on track & at the best rate. Virtue Closing Services Attorney Matt McDonald warns of grinches looking to steal your home. He explains how you can protect your property. Mark Randall from the DeSoto Times Tribune gives us the 4-1-1 on North Mississippi happenings. Daniel Irwin from the Better Business Bureau has one last scam warning before Christmas. Get great real estate info at timvanhorn.com.