Non Bank Lender Growth Cautions Federal Policy Makers

<h2 style="text-align: center;"> <a href="http://www.realestate-vu.com/2015/06/non-bank-lender-growth-cauts-federal.html" target="_blank">Non Bank Lender Growth Cautions Federal Policy Maker</a></h2> <iframe allowfullscreen="" frameborder="0" height="315" src="https://www.youtube.com/embed/GdyoHXN6Ags?rel=0" width="100%"></iframe> <br /> <div style="text-align: left;"> <span style="font-weight: normal;">Non-bank lenders continue to emerge as dominate players in the mortgage lending industry almost doubling their market position from 2012 to 2014.  These non-bank lenders are being eyed by policymakers, causing Government Sponsored Enterprises (GSE) such as Freddie Mac and Fannie Mae to modify their non-bank standards in May.   </span></div> <div class="MsoNormal"> <o:p></o:p></div> <div class="MsoNormal"> <br /></div> <div class="MsoNormal"> <div class="separator" style="clear: both; text-align: center;"> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhULvmvXuC0xvxMlYYMjtSlwc3GSsBc9xUyrX476k-S5MkDiwnADhvUB-9QqzK5R48cli1eToQErB_Rqxsr0sYC9K3RE3ECSc974oRNNONGPAWdmbPESr96dzQ5iCCDLHjf2sekI-VV5up3/s1600/Non+Bank+Lender+Growth+Cautions+Federal+Policy+Makers.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="277" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhULvmvXuC0xvxMlYYMjtSlwc3GSsBc9xUyrX476k-S5MkDiwnADhvUB-9QqzK5R48cli1eToQErB_Rqxsr0sYC9K3RE3ECSc974oRNNONGPAWdmbPESr96dzQ5iCCDLHjf2sekI-VV5up3/s320/Non+Bank+Lender+Growth+Cautions+Federal+Policy+Makers.jpg" width="320" /></a></div> The attraction to non-bank lenders for consumers, according to a June 1 paper published by Marshall Lux and Robert Greene from the Harvard Kennedy Massavar-Rahmani Center for Business and Government is largely due to granting mortgages to lower FICO score applicants.   According to the study, in the last quarter of 2013, the median FICO score of FHA insured borrowers was 675 at non-banks compared to the 685 at banks.  Compared to the last quarter of 2014, non-bank lenders loaned to borrowers with a 667 score while traditional lenders loaned to FICO scores of 682.  <br /> <br /> Technology plays a vital role in the growth of non-bank lending.  Borrowers are attracted to on-line applications, receiving quick mortgage approvals and enjoy highly rated customer experiences.  Non-banks costs the consumer less and the non-bank business structure engages regulators.   No wonder the non-bank mortgage business is booming!  Today, even if your FICO score is under 700, whether you are searching for a <a href="http://www.floridahomerealty.com/">golf communities in Southwest Florida</a> or <a href="http://www.floridahomerealty.com/">beachfront condos in Southwest Florida</a>, non-bank lenders just might be able to help.  Call <a href="http://www.floridahomerealty.com/">Florida Home Realty</a> for list of non-bank lenders that can help you.  <o:p></o:p></div> <div class="MsoNormal"> <br /></div> <div class="MsoNormal"> The FHA insuring these loans is what has driven the Fed to review the insurance requirements.   Astonishing statistics for first part of 2015 indicate over 60% of FHA mortgage originations were by non-bank entities to borrowers of higher risk compared to 30% in 2012.  Low income, low down payments contribute to risk of default and can severely contribute to housing market downturns.  Jack Guttentag, Professor at the Wharton School of Business noted that because FHA mortgage insurance premiums are not linked to credit scores, low-income borrowers are accepting less favorable terms, and as long as FHA insurance can be secured, the loans are made.  <o:p></o:p></div> <br /> <div class="MsoNormal"> There is no doubt that non-bank companies present a threat to the GSE’s.   As technology continues to affect the mortgage industry and borrowers are getting mortgages under the non-bank business model, adjustments will continue.   Modifying FHA insurance guidelines to level the playing field between non-banks and traditional lenders is just the beginning.  Non-traditional bank financing can help you purchase in all of <a href="http://www.floridahomerealty.com/">Southwest Florida including luxury properties in Naples</a>, <a href="http://www.floridahomerealty.com/">Marco Island</a>, <a href="http://www.floridahomerealty.com/">Bonita Springs and Estero</a>.<br /> <o:p></o:p><br /> <br /> <div style="text-align: left;"> <br /></div> <h4 style="background-color: white; 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Non Bank Lender Growth Cautions Federal Policy Makers

Non Bank Lender Growth Cautions Federal Policy Maker Non-bank lenders continue to emerge as dominate players in the mortgage lending i...

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Aerial Photography and Video Platform Applications

<h2 style="text-align: center;"> <a href="http://www.realestate-vu.com/2015/06/aerial-photography-and-video-platform.html">Aerial Photography and Video Platform Applications</a></h2> <iframe allowfullscreen="" frameborder="0" height="315" src="https://www.youtube.com/embed/MCvFKL_o-Yk?rel=0&controls=0&showinfo=0" width="100%"></iframe> <br /> <ul> <li>Agriculture </li> <li>Archaeology </li> <li>Filmmaking </li> <li>Photography </li> <li>Firefighting </li> <li>Wifi Broadcasting </li> <li>Wireless connectivity in disaster areas </li> <li>Autism - helping children with autism better understand there place in this world </li> <li>Tourism </li> <li>Conservation </li> <li>Real Estate Education </li> <li>Search & Rescue Research </li> <li>Newsgathering </li> <li>Live telemetry and gps data </li> <li>For security all communications can be encrypted </li> </ul> Enabling autonomous mapping now we can turn 1000's of images into centimeter accurate 2D maps and 3D models very accurately: there are many projects such as construction and civil engineering that need this.<br /> <br /> The <a href="http://vustudios.com/services/create-website-content/for-real-estate-professionals/real-estate-video-production/" target="_blank">cost for aerial photography</a> is $75 per photo with a minimum of 3.<br /> <br /> For more information and details as to who is an <a href="http://vustudios.com/services/create-website-content/for-real-estate-professionals/real-estate-video-production/" target="_blank">aerial photography expert</a> or a <a href="http://vustudios.com/" target="_blank">aerial real estate photographer</a> you can call 239-228-9300<br /> <br /> <h4> <b>If you need to find out about a <a href="https://plus.google.com/+RealEstateMLsNaples/about" target="_blank">Naples real estate agent</a> you can contact the Naples Area Board Of Realtors for more information.</b></h4> <br /> <br /> <div style="text-align: left;"> <br /></div> <h4 style="background-color: white; 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$300-$500K Housing Market Gains Momentum in May

<h2 style="text-align: center;"> <a href="http://www.realestate-vu.com/2015/06/traditional-sales-of-homes-highest-on.html"> $300-$500K Housing Market Gains Momentum in May</a></h2> <iframe allowfullscreen="" frameborder="0" height="315" src="https://www.youtube.com/embed/l7c3XBTGclQ?rel=0&controls=0&showinfo=0" width="100%"></iframe> <br /> <div class="separator" style="clear: both; text-align: center;"> <br /></div> <div> <br /></div> <div class="separator" style="clear: both; text-align: center;"> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgVRSE_UJ7pGiEGQUxVWcQFgb-6OScOWym8rK8UFsgGIIaopFeQpXxXVlLcCaZblhLkWVfAzDM0E5TsoqxNr_9k2fCnqR0mjLIpgYmLRx-zeGHARzttTP89F-bwxDyNHjzpP7PFbJAGA6vk/s1600/++%2524300-%2524500K+Housing+Market+Gains+Momentum+in+May+.png" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgVRSE_UJ7pGiEGQUxVWcQFgb-6OScOWym8rK8UFsgGIIaopFeQpXxXVlLcCaZblhLkWVfAzDM0E5TsoqxNr_9k2fCnqR0mjLIpgYmLRx-zeGHARzttTP89F-bwxDyNHjzpP7PFbJAGA6vk/s320/++%2524300-%2524500K+Housing+Market+Gains+Momentum+in+May+.png" width="293" /></a></div> Naples, Fla. (June 19, 2015) - Historically, many local REALTORS® consider May an "in-between month" as it sits between when seasonal winter residents leave Naples for their homes up north and summer visitors arrive. Yet despite this perception, activity for May in the $300,000 to $500,000 price category of the housing market was on fire with a 30 percent increase (month over month) in overall closed sales from 181 homes in May 2014 to 236 homes in May 2015 according to a report released by the Naples Area Board of REALTORS® (NABOR®), which tracks home listings and sales within Collier County (excluding Marco Island).<br /> <br /> Many of the homes in the under $300,000 price category have moved into the $300,000-$500,000 price category (bracket creep), a phenomenon that contributes to the increase in inventory levels for single family homes in all price categories above $300,000, all of which increased by double digits.<br /> <br /> NABOR®'s May 2015 Market Report also indicated closed sales for single family homes in the $300,000 to $500,000 price category, while impressive at an increase of 25 percent from 102 single family homes in May 2014 to 127 single family homes in May 2015, was not actually the highest performing price segment. It was closed sales for single family homes in the $1M to $2M price category that experienced the highest increase - 38 percent - from 32 single family homes in May 2014 to 44 single family homes in May 2015. Interestingly, closed sales in the $300,000 to $500,000 condominium market in May were also impressive with an increase of 38 percent from 79 condominiums in the 12-months ending May 2014 to 109 condominiums in the 12-months ending May 2015.<br /> <br /> Homes in the $300,000 to $500,000 price category saw positive double-digit action in overall pending and closed sales (and inventory), yet the overall median closed price did not change. Contributing to this category's median closed pricing stabilization was a 2 percent increase for single-family homes from $380,000 in the 12-months ending May 2014 to $386,000 in the 12-months ending 2015; and a 1 percent decrease in the median closed price for condominiums in the same price category from $370,000 in the 12-months ending May 2014 to $367,000 in the 12-months ending May 2015.<br /> <br /> According to Jeff Jones, NABOR treasurer and Managing Broker at the Naples-Park Shore office of Coldwell Banker®, the May report also indicated that, "historically, the median closed price for homes above $300,000 in May was the lowest since NABOR®'s been tracking statistics [March 2008]." Effectively, the median closed price for homes above $300,000 was $520,000 in the 12-months ending May 2015 compared to $550,000 in the 12-months ending May 2009.<br /> <br /> "In all actuality, prices for homes between $300,000 and $1M are remaining relatively static," said John Steinwand, Broker and Principal at Naples Realty Services, Inc. The May Market Report supported Steinwand's observation as it indicated that the overall median closed price for homes under $300,000 increased 10 percent from $170,000 in the 12-months ending May 2014 to $187,000 in the 12-months ending May 2015; and the overall median closed price for homes $2 million and above increased 11 percent from 2,900,000 in the 12-months ending May 2014 to 3,212,000 in the 12-months ending May 2015.<br /> <br /> <h4> <b>If you need to find out about a <a href="https://plus.google.com/+RealEstateMLsNaples/about" target="_blank">Naples real estate agent</a> you can contact the Naples Area Board Of Realtors for more information.</b></h4> <br /> The NABOR® May 2015 Market Report provides comparisons of single-family home and condominium sales (via the Southwest Florida MLS), price ranges, and geographic segmentation and includes an overall market summary. The NABOR® May 2015 sales statistics are presented in chart format, including these overall (single-family and condominium) findings:<br /> Overall pending sales decreased 11 percent from 1,096 in May 2014 to 977 in May 2015.<br /> Overall closed sales remained flat for a second month with no increase or decrease reported on a 12-months ending basis.<br /> Closed sales for single family homes in the $300,000 to $500,000 price category increased 22 percent from 1,075 homes in the 12-months ending May 2014 to 1,316 homes in the 12-months ending May 2015.<br /> Closed sales for condominiums in the $300,000 to $500,000 price category increased 33 percent from 691 condominiums in the 12-months ending May 2014 to 922 condominiums in the 12-months ending May 2015<br /> Overall median closed price increased 15 percent from $252,000 in the 12-months ending May 2014 to $289,000 in the 12-months ending May 2015.<br /> Overall inventory decreased 3 percent from 3,919 homes in May 2014 to 3,800 homes in May 2015.<br /> Inventory for single-family homes in the under $300,000 price category decreased 34 percent from 465 single-family homes in May 2014 to 307 single-family homes in May 2015.<br /> Inventory for condominiums in the $2M and above price category increased 83 percent from 30 condominiums in May 2014 to 55 condominiums in May 2015.<br /> Average days on market decreased 21 percent from 95 days in May 2014 to 75 days in May 2015.<br /> As pointed out by Bill Coffey, Broker Manager of Amerivest Realty Naples, there is only a 1.85-month supply of homes under $300,000.<br /> <br /> "Inventory is not going down as much as it once did," noted Mike Hughes, NABOR® president, Vice President and General Manager of Downing-Frye Realty. "The inventory of properties below $300,000 has been reduced quite a bit from several years ago. This market is under tremendous pressure from multiple groups including first time home buyers, retirees and boomerang buyers.<br /> <br /> The dynamics of the Naples market in 2015 are quite different than they were in 2005. We are not seeing the rampant flipping of properties that occurred in 2005. Many of our buyers recently are end users. The financing market today is a lot tougher now than it was in 2005. Roughly 60 to 70 percent of our buyers these days are cash buyers. Also, many of the developers are requiring a larger down payment than they did back in 2005.<br /> <br /> Certainly property values have climbed in the area. With respect to the low-end part of the market, we still have many properties within Naples and there are plenty of these properties on the outskirts of the Naples area too. The bottom line is that the consumer looking for properties below $300,000 still has a wide selection of choices in Southwest Florida."<br /> <br /> Hughes also pointed to similar dynamics affecting other high demand cities like Washington, DC, where most of the affordable homes are located in suburban areas. The projections are for tremendous growth east of Collier Boulevard over the next 20+ years. This area is very desirable for the consumer who wants land and wants to stay in a more affordable budget.<br /> <br /> Homebuyers are fueling the decrease in days on market according to broker analysts, as shown by an overall decrease of 21 percent from 95 days on the market in May of 2014 to 75 days on the market in May of 2015. "It takes a lot less time to sell your house when it's priced right," remarked Brenda Fioretti, Managing Broker at Berkshire Hathaway HomeServices Florida Realty. "And if a buyer finds a home they like, they need to move quickly!"<br /> <br /> To ensure your next sale or purchase in the Naples area is a success contact a REALTOR® on <a href="http://naplesarea.com/" rel="nofollow">Naplesarea.com</a>."<br /> <br /> <strong style="background-color: white; font-family: Arial, Helvetica, sans-serif; font-size: 13.3333330154419px;"><a alt="http://files.ctctcdn.com/85a2c058001/4f26bbc6-e16b-45f9-bf07-ac75ba276456.pdf" href="http://r20.rs6.net/tn.jsp?f=001MnvQrt1KXNGJDLJr8ribcTrXVyo9pgldFojVaSEULRHPtChP_34pSTPGWw81guJGYfnZ8-0rpHM8vyKIHk3R5PCO3QtLVA2X7IJufbD__JE5gcv-13n52zJfbe4dpOzQNA0xFhn4BnE5bLn45AeZAPeWrOhDi_dYtitRn5PwGvKDadN_IgWC6Rc8Zx26tqF7LhFgU5gH8-0UihEqVChB6QUAjAVv1itJ0N8E2cHXQXmqsbdXQnPDtw==&c=LKpWvBpfnpU8Y90jMu3CLo_-hfeyem3NNp6LzBy_pNzNqNJAfqzb9Q==&ch=cZB28zcA53JDwYHyqeFuSik6dLLx_w4ACQQ1VZdJwslpyvpnH2jCRw==" shape="rect" style="color: blue;" target="_blank">View May 2015 Market Statistics</a> </strong><a href="http://files.ctctcdn.com/85a2c058001/4f26bbc6-e16b-45f9-bf07-ac75ba276456.pdf" rel="nofollow">http://files.ctctcdn.com/85a2c058001/4f26bbc6-e16b-45f9-bf07-ac75ba276456.pdf</a><br /> <br /> Contacts: Pat Pitocchi, NABOR® Media Relations Committee Chairman, (239) 398-8650,<br />         Marcia Albert, NABOR® Director of Marketing, (239) 597-1666<br /> <div> <br /> <br /> <h4 style="background-color: white; clear: both; color: #333333; font-size: 15.6000003814697px; font-weight: normal; margin: 0px 0px 10px;"> <span style="font-family: Times, Times New Roman, serif;">Other Articles Of Interest:</span></h4> <div> <div style="text-align: left;"> <div style="text-align: left;"> <a href="http://www.realestate-vu.com/2015/06/traditional-sales-of-homes-highest-on.html"> $300-$500K Housing Market Gains Momentum in May</a></div> </div> </div> <h4 style="background-color: white; clear: both; color: #333333; font-size: 15.6000003814697px; font-weight: normal; margin: 0px 0px 10px;"> <div style="color: black; font-size: medium;"> <a href="http://www.realestate-vu.com/2015/06/florida-housing-trust-funds-increased.html">Florida Housing Trust Funds Increased</a></div> <div style="color: black; font-size: medium;"> <div style="margin: 0px;"> <a href="http://www.realestate-vu.com/2015/05/traditional-sales-of-homes-highest-on.html" target="_blank">Traditional Sales of Homes Highest on Record</a></div> </div> <div style="color: black; 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$300-$500K Housing Market Gains Momentum in May

 $300-$500K Housing Market Gains Momentum in May Naples, Fla. (June 19, 2015) - Historically, many local REALTORS® consider May a...

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Florida Housing Trust Funds Increased

<h2 style="text-align: center;"> <a href="http://www.realestate-vu.com/2015/06/florida-housing-trust-funds-increased.html">Florida Housing Trust Funds Increased</a></h2> <iframe allowfullscreen="" frameborder="0" height="315" src="https://www.youtube.com/embed/A7ixccVkDcc?rel=0&controls=0&showinfo=0" width="100%"></iframe> TALLAHASSEE, Fla. – June 18, 2015 – Florida lawmakers are poised to vote on the billion-plus state budget tomorrow. This is the only duty required of the Legislature during what's been a three-week special session.<br /> <br /> The House and Senate plan to vote on a new $78.7 billion budget quickly after a review period ends. The Florida Senate will hold a session Friday afternoon to explain and debate the spending plan. House members started a question-and-answer session on the budget this morning.<br /> <br /> Senate President Andy Gardiner, R-Orlando, indicated that he plans to hold a vote on the budget immediately after the 72-hour review period ends at 5:37 p.m. Friday.<br /> <br /> There is good news for low-income Floridians: Lawmakers appropriated $175 million toward the Sadowski Affordable Housing Trust Funds, the highest funding level in eight years.<br /> <br /> The $175 million includes approximately $70 million for the State Apartment Incentive Loan (SAIL) program to rehabilitate existing apartments in need of repair, or to build new units for the elderly and persons with disabilities.<br /> <h4> <b>If you need to find out about a <a href="https://plus.google.com/+RealEstateMLsNaples/about" target="_blank">Naples real estate agent</a> you can contact the Naples Area Board Of Realtors for more information.</b></h4> Lawmakers also earmarked $101 million for the State Housing Initiatives Partnership (SHIP) program. These monies may be used to provide first-time homeownership with downpayment and closing cost assistance, and to rehabilitate and retrofit housing. Another $4 million was allocated for a competitive challenge grants program to fund housing projects for homeless persons.<br /> <br /> The state budget includes up to $500,000 for the Department of Business and Professional Regulation (DBPR) to prevent, combat and publicize the dangers of unlicensed real estate activity in Florida.<br /> <br /> A major piece of the 20-day special session is a $400 million tax cut package that Gov. Rick Scott signed less than 24 hours after receiving it. The measure will cut sales taxes on back-to-school shopping and lower cell phone bills, among other things.<br /> <br /> Unfortunately, the tax package does not include a reduction in the sales tax on commercial leases.<br /> <br /> <span style="font-size: x-small;">Source Article: <a href="http://www.floridarealtors.org/NewsAndEvents/article.cfm?p=2&id=324613" rel="nofollow">http://www.floridarealtors.org/NewsAndEvents/article.cfm?p=2&id=324613</a></span><br /> <br /> <br /> <div style="-webkit-text-stroke-width: 0px; color: black; font-family: Times; font-size: medium; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: 1; word-spacing: 0px;"> </div> <br /> <div style="-webkit-text-stroke-width: 0px; color: black; font-family: Times; font-size: medium; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: 1; word-spacing: 0px;"> <h4 style="background-color: white; clear: both; color: #333333; font-size: 15.6000003814697px; font-weight: normal; margin: 0px 0px 10px;"> <span style="font-family: Times, Times New Roman, serif;">Other Articles Of Interest:</span></h4> <div> <div style="text-align: left;"> <a href="http://www.realestate-vu.com/2015/06/florida-housing-trust-funds-increased.html">Florida Housing Trust Funds Increased</a></div> </div> <div> <div style="margin: 0px;"> <a href="http://www.realestate-vu.com/2015/05/traditional-sales-of-homes-highest-on.html" target="_blank">Traditional Sales of Homes Highest on Record</a></div> </div> <div> <div style="margin: 0px;"> <a href="http://www.realestate-vu.com/2015/05/real-estate-in-southwest-florida.html" target="_blank"><span style="color: blue;">Real Estate In Southwest Florida Continues To Climb</span></a></div> </div> <div style="background-color: white; 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font-family: Times, Times New Roman, serif;">Low Inventory Impacts Market Naples Florida</span></a></div> </div> <div style="background-color: white; line-height: 18px;"> <div style="margin: 0px;"> <a href="http://www.realestate-vu.com/2014/11/real-estate-brokers-business-philosophy.html" style="text-decoration: none;" target="_blank"><span style="color: blue; font-family: Times, Times New Roman, serif;">Real Estate Brokers Business Philosophy</span></a></div> </div> <div style="background-color: white; line-height: 18px;"> <div style="margin: 0px;"> <a href="http://www.realestate-vu.com/2014/12/naples-real-estate-november-2014-market.html" style="text-decoration: none;" target="_blank"><span style="color: blue; font-family: Times, Times New Roman, serif;">Naples Real Estate November 2014 Market Report</span></a></div> </div> <div style="background-color: white; line-height: 18px;"> <div style="margin: 0px;"> <a href="http://news.realestatemls.com/2014/12/selling-your-home-clean-repair-purge.html" style="text-decoration: none;" target="_blank"><span style="color: blue; font-family: Times, Times New Roman, serif;">Selling Your Home Clean Repair Purge</span></a></div> </div> <div style="background-color: white; color: #333333; font-family: Verdana, Geneva, sans-serif; font-size: 12px; line-height: 18px;"> <div style="margin: 0px;"> <br /></div> </div> <div style="background-color: white; font-size: 12px; line-height: 18px;"> <h4 style="color: #333333; font-family: Oswald, 'Bebas Neue', Bebas, 'Arial Narrow', sans-serif; font-size: 15.6000003814697px; font-weight: normal; line-height: normal; margin: 0px 0px 10px;"> <span style="font-family: Times, 'Times New Roman', serif;">Other Videos Of Interest:</span></h4> <h4 style="color: #333333; font-family: Oswald, 'Bebas Neue', Bebas, 'Arial Narrow', sans-serif; font-size: 15.6000003814697px; font-weight: normal; line-height: normal; margin: 0px 0px 10px;"> <div style="line-height: 18px;"> </div> </h4> <h4 style="font-size: 15.6000003814697px; font-weight: normal; line-height: normal; margin: 0px 0px 10px;"> <div style="line-height: 18px;"> <div style="margin: 0px;"> <span style="color: blue; font-family: Times, Times New Roman, serif;"><a href="https://www.youtube.com/watch?v=MCvFKL_o-Yk" target="_blank">Aerial Photography</a></span></div> <div style="font-family: Oswald, 'Bebas Neue', Bebas, 'Arial Narrow', sans-serif;"> <div style="margin: 0px;"> <span style="color: blue; font-family: Times, 'Times New Roman', serif;"><a href="https://www.youtube.com/watch?v=p6mOr1LlHjk" style="text-decoration: none;" target="_blank">Botox Doctors Naples</a></span></div> </div> </div> <div style="font-family: Oswald, 'Bebas Neue', Bebas, 'Arial Narrow', sans-serif; line-height: 18px;"> <div style="margin: 0px;"> <span style="color: blue; font-family: Times, 'Times New Roman', serif;"><a href="https://www.youtube.com/watch?v=5-nmyzrccbI" style="text-decoration: none;" target="_blank">Naples Dentists</a></span></div> </div> <div style="font-family: Oswald, 'Bebas Neue', Bebas, 'Arial Narrow', sans-serif; line-height: 18px;"> <div style="margin: 0px;"> <a href="https://www.youtube.com/watch?v=elN3mg0_aMA" style="text-decoration: none;" target="_blank"><span style="color: blue; font-family: Times, 'Times New Roman', serif;">Real Estate Video Production</span></a></div> </div> <div style="font-family: Oswald, 'Bebas Neue', Bebas, 'Arial Narrow', sans-serif; line-height: 18px;"> <div style="margin: 0px;"> <a href="https://www.youtube.com/watch?v=gt62VeXVvWc" style="text-decoration: none;" target="_blank"><span style="color: blue; font-family: Times, 'Times New Roman', serif;">Real Estate Marketing</span></a></div> </div> <div style="font-family: Oswald, 'Bebas Neue', Bebas, 'Arial Narrow', sans-serif; line-height: 18px;"> <div style="margin: 0px;"> <a href="https://www.youtube.com/watch?v=po1DATCau14" style="text-decoration: none;" target="_blank"><span style="color: blue; font-family: Times, 'Times New Roman', serif;">Naples Web Design</span></a></div> </div> <div style="font-family: Oswald, 'Bebas Neue', Bebas, 'Arial Narrow', sans-serif; line-height: 18px;"> <div style="margin: 0px;"> <a href="https://www.youtube.com/watch?v=fhRNtRCc3Tk" style="text-decoration: none;" target="_blank"><span style="color: blue; font-family: Times, 'Times New Roman', serif;">Digital Marketing Company</span></a></div> </div> <div style="font-family: Oswald, 'Bebas Neue', Bebas, 'Arial Narrow', sans-serif; line-height: 18px;"> <div style="margin: 0px;"> <a href="https://www.youtube.com/watch?v=r0qBabVGfJk" style="text-decoration: none;" target="_blank"><span style="color: blue; font-family: Times, 'Times New Roman', serif;">Naples Real Estate</span></a></div> </div> <div style="font-family: Oswald, 'Bebas Neue', Bebas, 'Arial Narrow', sans-serif; line-height: 18px;"> <div style="margin: 0px;"> <span style="color: blue; font-family: Times, 'Times New Roman', serif;"><a href="https://www.youtube.com/watch?v=q_fk4m7EPEA" style="text-decoration: none;" target="_blank">Dental Scrap</a></span></div> </div> <div style="font-family: Oswald, 'Bebas Neue', Bebas, 'Arial Narrow', sans-serif; line-height: 18px;"> <div style="margin: 0px;"> <span style="color: blue; font-family: Times, 'Times New Roman', serif;"><a href="https://www.youtube.com/watch?v=gHy0KXXBJzg" style="text-decoration: none;" target="_blank">Real Estate</a></span></div> </div> </h4> <h4 style="color: #333333; 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Florida Housing Trust Funds Increased

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