 Numerous websites such as Pettable, CertaPet and US Service Animals advertising how easy it is to qualify emotional support animals. This broad application and enticement into a "work around" has been a growing focus area causing businesses and housing bodies to focus in on the legitimacy of emotional support animals and how that applies to access. In 2020, the Florida Legislature passed a bill affecting emotional-support animal guidance in Florida. The law created new clarifications for emotional support animals. It’s important to understand exactly what the law does and does not do. A major point under the new law: Some sort of certificate or other online registration obtained via the internet, by itself, is insufficient to establish that the person has a) a disability or b) a disability-related need for an ESA.
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 Any natural disaster that hits and does damage can have lasting affects. We focus on preparing for a natural disaster like a hurricane, but what do you do after one strikes and you are left to deal with the impact? This article shares some resources to help you start the road to recovery.
Why Raveis Purchase is Strikingly Different than Sinking iBuyer Models - Naples Real Estate10/22/2021  By now you’ve heard that Zillow’s “iBuying program goes from full speed to full stop,” in the words of CNN. They will stop buying homes through Zillow Offers for the rest of the year in order to work through the backlog of homes it has already bought. The “iBuyer” model used by Zillow and other real estate companies involves purchasing homes directly from sellers (at a low price), and then re-listing the properties (at a high price) after doing minor work. They then keep the value they created for themselves.
Do you know about the new flood risk ratings and how they impact flood insurance? Naples Real Estate9/15/2021  Effective October 1st, there are new changes being implemented that affect flood insurance guidelines and costs. Are you familiar with the high-points of these changes? Matt Nance from Responsive Insurance has provided some a nice, high-level summary to give important insights on this change that is just around the corner.
 COVID-19 has caused people to have to adapt to circumstances caused by this pandemic. For some, additional financial pressures may have arose causing them to think about their obligations and how to best manage them. This is a resource to explain some mortgage relief options.
 Maintaining a good credit score can feel like a game at times.
The algorithms credit reporting agencies like Equifax use for assessing creditworthiness are confidential — making the consequences of missing a bill or taking on more debt hard to predict. Still, experts say, certain missed payments can do serious damage to your credit score, especially if you’ve got a healthy one.  This article guest written by Clare Trapasso contains insightful information about how the COVID situation may be different than the last real estate "crash." All of us have a mind-boggling range of challenges to deal with in these stressful and uncharted times of COVID-19. But for many home owners, sellers, and buyers, one concern rises to the top: Are we heading straight into another housing crash?
 There is a lot of buzz across the airways about the upcoming "credit score changes." But, what does it all mean and how will it affect each of us? Given that credit scores directly impact real estate lending, I wanted to share a good article that gives you some of the highlights.
January 30, 20203:13 PM ET Heard on All Things Considered Here’s what givers and receivers should know about Gifting a down payment - Naples Real Estate1/2/2020  If you’re lucky enough to get down-payment help under the tree this year (or generous enough to give it), be sure you know the rules around gift funds. It’s not as simple as handing over a wad of cash with a note that says “Happy Holidays! Here’s a little something for your new house.”
Down payment gift funds must meet certain requirements or the gift giver and recipient face trouble down the road. From writing a gift letter to rules around repaying gift money, here are basic facts homebuyers and donors should know.  I remember my mother saying, if it sounds too good to be true, it probably is. iBuyer companies are getting a good deal of attention and interest because of the perceived ease and financial value as an option for selling your home. This was a great article written by Eric Lapin with Old Republic National Title Insurance Company that provides some great insights into the iBuying experience.
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