A fresh state budget and two new Florida housing laws take effect July 1, advancing Florida Realtors legislative priorities tied to housing supply, affordability and local housing options. The changes inject new money into popular housing programs, make funds available for home hardening programs and update parts of the Live Local Act, among other things.

A dispute over a late escrow deposit centered on one missing contract detail: the seller never named the escrow agent. This case shows how leaving an escrow agent listed as ?TBD? can turn a simple deadline issue into years of litigation and attorney fees.

Borrowers with fair credit scores pay up to $192 more per month than those with excellent credit, a difference that compounds to $69,120 over the life of a 30-year loan.