SIGN IN SAVED 0

Wilshire Lakes Naples Florida Homes for Sale

Naples Florida Real Estate

Wilshire Lakes Naples Real Estate

Homes For Sale7$750K - $1.7M
Condos For Sale10$285K - $420K
Sold ( Past 6 Months )12$275K - $2M
Last updated at 9:25pm 12/04/2025

  1. Main
  2. Naples Real Estate
  3. Wilshire Lakes Homes for Sale
1 - 13 of 13
Previous
1
Next


Save this Search Compare Properties
Get Pre-Qualified

$1,739,000
Decrease*
$101K
View Details

Wilshire Lakes

4009 Treadwater Ct, Naples, FL 34109

Homes - 3,557 ft² / 4,744 ft² - 3 Car Garage

4+Den / 4 Baths / 1 Half / Pool / Spa

Built 2002
Wilshire Lakes Naples Homes for Sale: The ultimate in Naples and Florida living is ready for you. Boasting nearly 3,600 sq. ft. of living space and 4,744 total construction including the 3 car garage, this rarely available 2-story concrete block residence with plenty of natural light, offers 4 bedrooms + den/ 5th bedroom connected to full bath and all main floor counters and faucets have been updated in the past 30 days. There are 4.5 baths in total, including pool bath. This home represents an exceptional market value, priced below recent appraisals and comparable sales, offering buyers a rare opportunity to own a property enhanced by hundreds of thousands of dollars in thoughtful upgrades. The heated saltwater system pool, jacuzzi, 3-car garage, and cul-de-sac location provide both luxury and privacy, while direct access to North Collier Park and top-rated schools make this ideal for families. No detail was overlooked: new light fixtures, fresh paint, and modern upgrades enhance every corner of this stunning property from top to bottom. The grand foyer with soaring ceilings leads to the formal living area, while all new impact-resistant doors and windows ensure peace of mind. A newer 24kW Generac whole-house generator with a 500-gallon underground LP tank offers up to 5 days of backup power. The chef’s kitchen features newer LG stainless steel appliances (under extended warranty), gorgeous and brand new quartz counters, a large walk-in pantry, and chic functional style. In the North wing, the first-floor primary suite is a true retreat, with a double vanity, double walk-in closets, separate tub and walk-in shower with double shower heads, and private access to the enclosed lanai, also, the den/office, large formal dining room, formal living room and a family room. Upstairs, two guest bedrooms share a Jack-and-Jill bath, and an ensuite offers abundant natural light and privacy, along with a custom built-in bookshelf for the avid reader. Resort-style living continues outdoors with 145 feet of west-facing water views, a saltwater pool and spa, built-in outdoor kitchen with 8-burner gas/charcoal grill and refrigerator, powder room, and covered lanai perfect for entertaining. The 3-car garage includes epoxy flooring, AC, and extra storage. Additional upgrades include brand new LG washer/dryer, whole-house spring water reverse osmosis filtration and UV system, 2023 HVAC system, and a 2019 Tile Roof, fountain, paved circular driveway, automatic irrigation system, automatic front door, and lanai patio hurricane roll down shutters. Wilshire Lakes offers the ultimate in luxury, man-guarded 24 hours security gate, located less than 6 miles from the pristine white-sand Naples beaches, nearby shopping, fine dining, entertainment, west of I-75, rate A school zone and much more... —this home is truly a gem!



$1,595,000
View Details

Wilshire Lakes

8192 Lowbank Dr, Naples, FL 34109

Homes - 2,880 ft² / 3,353 ft² - 2 Car Garage

4 Bed / 3 Baths / Pool / Spa

Built 1992
Wilshire Lakes Naples Homes for Sale: Beautifully Updated Lakefront Home in Wilshire Lakes, Naples Welcome to this stunning FORMER MODEL home in the highly sought-after gated community of Wilshire Lakes. Thoughtfully updated and freshly painted throughout, this residence blends timeless elegance with modern comfort. A newly refreshed exterior and ALL NEW IMPACT WINDOWS— including floor-to-ceiling panes, transom windows, and stackable sliders — fill the home with natural light while providing seamless storm protection and peace of mind. Step inside to an open, split-bedroom floor plan featuring FOUR BEDROOMS and 3 full baths. The 4th bedroom has an en-suite bath, built-ins, and a walk-in closet, making it ideal as a home office or fourth bedroom. The formal living and dining rooms offer sophisticated spaces for entertaining, while the spacious family room impresses with soaring ceilings and expansive windows showcasing beautiful lake views. The chef’s kitchen is designed for both function and style, featuring wood cabinetry, granite countertops, a large island, stainless steel appliances, travertine backsplash, and a composite sink. An adjoining eat-in area overlooks the open-air travertine-paved pool deck, perfect for relaxing or hosting gatherings. The primary suite is a true retreat, offering sliders to the pool, a large walk-in closet with custom built-ins, and a luxurious bath. Additional highlights include three full bathrooms, crown molding, designer light fixtures, tile and carpet flooring, a newer A/C system (2019), a newer hot water heater (2022), Roof (2015), and windows (2024). The stunning amenities include 2 clubhouses with resort style pools, fitness center, and tennis courts.This home is located in a TOP RATED SCHOOL DISTRICT offering an outstanding foundation for your children's education. Enjoy the tranquil lakefront setting and the comfort of living minutes from shopping, dining, I-75, RSW Airport, and Southwest Florida’s world-renowned beaches. Experience the perfect combination of refined style, comfort, and location in this beautifully updated Wilshire Lakes home.



$1,400,000
View Details

Wilshire Lakes NEW

9750 Wilshire Lakes Blvd, Naples, FL 34109

Homes - 2,733 ft² / 3,517 ft² - 2 Car Garage

4 Bed / 3 Baths / Pool

Built 2005
Wilshire Lakes Naples Homes for Sale: Beautifully updated lakefront estate home in the sought-after gated community of Wilshire Lakes. Situated on an oversized waterfront lot, this residence features a freshly painted exterior, newer windows, accordion shutters for storm protection, epoxy-coated garage flooring and plantation shutters throughout. Inside, vaulted ceilings and abundant natural light enhance the spacious layout. The updated kitchen offers wood cabinetry, granite countertops, newer appliances, a large center island and an eat-in area overlooking the pool and lake. With four bedrooms and three full baths, the home provides exceptional flexibility for family, guests or a home office. The primary suite includes French doors to the pool, an oversized walk-in closet and a spa-like bath. Additional living spaces include formal living and dining rooms and a generous family room. The home also features wired surround sound in the great room and lanai, perfect for entertaining or relaxing. Enjoy tranquil lake views from the private pool area and the convenience of being minutes from premier shopping, dining, I-75, RSW Airport and Southwest Florida’s world-class beaches. Located in a top-rated school district, this home offers the ideal blend of location, lifestyle and value.



$1,389,900
Increase*
$10.9K
View Details

Wilshire Lakes

4000 Stonesthrow Ct, Naples, FL 34109

Homes - 2,461 ft² / 3,375 ft² - 2 Car Garage

4 Bed / 4 Baths / Pool / Spa

Built 2006
Wilshire Lakes Naples Homes for Sale: Just 5 miles from the beach!!This Stunning 4 bed / 4 bathroom Mediterranean style home sits in a beautifully oversized cone shape lot, in the prestigious Wilshire Lakes community. This recently updated residence features fully renovated bathrooms, hurricane proof and High energy efficiency exterior windows and sliding doors, lush landscaping, ambient lighting, a private pool & hot tub, newer 2022 heater, built-in grill and outdoor kitchenette, and a separate cabana with full bath and kitchen. Inside, enjoy high ceilings, crown molding, tile throughout, granite countertops, stainless steel appliances, and remote-controlled screens at the entry and garage. Newer A/C and water heater (2020). A spacious 43-ft portico overlooks the peaceful, private backyard. A+ rated school zone, Wilshire Lakes offers low HOA fees and premium amenities including a clubhouse, fitness center, pool, and more. Luxury Florida living at its best!



$1,125,000
View Details

Wilshire Lakes

3960 Deep Passage Way, Naples, FL 34109

Homes - 2,426 ft² / 2,866 ft² - 2 Car Garage

4 Bed / 2 Baths / 1 Half / Pool / Spa

Built 2002
Wilshire Lakes Naples Homes for Sale: Discover your dream home in beautiful Naples, where a luxurious lifestyle awaits. Located within the vibrant community, Wilshire Lakes, this exquisite four bedroom, two and a half bath residence offers the ultimate in outdoor living with a converted saltwater heated pool and spa, complemented by a large outdoor kitchen outfitted with a built-in grill and refrigerator, all sheltered within a screened-in double-tiered lanai. The heart of the home boasts a Sub-Zero refrigerator, top-of-the-line kitchen appliances and granite kitchen countertops. Choose to relax casually in the spacious family room or formally entertain in the living room with french doors that invite you to the remarkable pool deck. Retreat to the en-suite primary bedroom that features a soaking tub and separate shower, dual vanities and a walk-in closet. The guest suites with their walk-in closets offer plenty of room for family or guests. No expense spared with crown molding throughout the home. Residents enjoy exclusive access to tennis courts, two fabulous clubhouses, sparkling swimming pools, and a rejuvenating spa, all guarded by a top-notch security entrance. Perfectly situated just 5 miles from one of Naples’ pristine beaches and a mere 2 miles from shopping and dining, this home ensures everything you need is within arm's reach. This is more than a home—it's a lifestyle you’ve been dreaming of!



$999,999
Decrease*
$350K
View Details

Wilshire Lakes

9754 Wilshire Lakes Blvd, Naples, FL 34109

Homes - 2,185 ft² / 2,973 ft² - 2 Car Garage

4 Bed / 3 Baths / 1 Half / Pool / Spa

Built 2005
Wilshire Lakes Naples Homes for Sale: Luxurious Home in the Prestigious Wilshire Lakes Gated Community Welcome to your dream home in the highly desirable Wilshire Lakes community. This exquisite residence welcomes you with a stunning courtyard design, accessible from multiple rooms throughout the home. At its heart lies a serene, lighted, and heated pool and spa with a cascading waterfall—perfect for relaxation or entertaining. The screened courtyard offers both sun and shade, complemented by new pool heating, filtration, lighting, and ceiling fans to create the ultimate year-round oasis. Step inside to discover a beautifully maintained contemporary layout featuring 4 spacious bedrooms and 3.5 baths. The expansive open kitchen impresses with high vaulted ceilings, new cabinetry showcasing rare Brazilian granite countertops with beveled edges, striking hardware and lighting, and a wet bar ideally positioned for conversation. Appliances include a pot-filling tap over the stove, microwave, refrigerator, and new dishwasher, along with a built-in desk area and walk-in pantry for ample storage. Built in 2005, this home boasts abundant natural light through extra windows that frame peaceful views. French doors open from the lanai to a poolside lavatory with artistic tile accents and a pedestal sink. Passing through grand pillars and vaulted ceilings, the living room offers a tranquil retreat with lush privacy landscaping and a lake view backdrop. The primary suite serves as a true sanctuary, featuring an ensuite bath with a tile shower, spa tub, dual sinks, a vanity, a large walk-in closet, a linen closet, and a private water closet. Sliding doors lead directly to the courtyard and a private side porch or dog run. A spacious laundry room with granite countertops, generous cabinetry, washer/dryer, and utility sink connects to the two-car garage, which includes hurricane shutters and attic access. The courtyard also features a private guest cabana or in-law suite with a separate entrance, full kitchenette (stove, refrigerator, sink, and cabinetry), full bath, closet, and its own AC unit—perfect for guests or extended family. The exterior has been freshly painted and professionally landscaped, complete with lighting, new sod in the front and side yards, and a new roof (2019). Located on a private corner lot, this home enjoys low HOA fees, access to “A”-rated schools, and convenient proximity to North Naples shopping, dining, parks, and the beautiful Gulf beaches. Don’t miss the opportunity to experience luxury living at its finest—schedule your private tour of this exceptional Wilshire Lakes home today!



$750,000
Decrease*
$115K
View Details

Wilshire Lakes

5012 Fairhaven Ln, Naples, FL 34109

Homes - 2,583 ft² / 3,208 ft² - 2 Car Garage

4 Bed / 2 Baths / 1 Half / Pool

Built 2004
Wilshire Lakes Naples Homes for Sale: ALL OFFERS WELCOME — SELLER READY TO NEGOTIATE! Discover this beautifully appointed 4-bedroom, 3-bath lakefront residence in the sought-after 24 HOUR GATED Wilshire Lakes community, offering desirable southern exposure and tranquil water views. Step inside to a bright, freshly painted open-concept floor plan featuring soaring ceilings, with transom windows allowing for an abundance of natural light. The first floor includes a spacious family room, formal and casual dining areas, a well-equipped kitchen with generous cabinet and counter space, a laundry room, and a convenient half bath—perfect for guests. Graceful archways add architectural charm throughout the home. Head upstairs to the freshly carpeted second level where you’ll find all four bedrooms, including a spacious primary suite with room for a sitting area or home office. The ensuite bath dual sinks and dual walk-in closets complete this peaceful retreat. The additional bedrooms are comfortably sized and share a well-appointed bathroom. Step outside to your private backyard oasis, where a sparkling pool with sheer descent waterfall accent overlooks the peaceful lake. Whether you're hosting guests or simply unwinding, the outdoor space offers the ideal setting for relaxation and enjoyment. Residents of Wilshire Lakes enjoy access to tennis courts, a fitness center, and a community pool—all just minutes from Naples' world-class beaches, shopping, and dining. SELLER FINANCING AVAILABLE ALSO AVAILABLE FOR ANNUAL RENTAL.



$1,950,000
Sold Price:
$1,890,000
Sold Date:
06/27/2025
View Details

Wilshire Lakes

4000 Treadwater Ct, Naples, FL 34109

Homes - 3,075 ft² / 4,190 ft² - 3 Car Garage

5 Bed / 3 Baths / 1 Half / Pool / Spa

Built 2002
Wilshire Lakes Naples Homes: Tucked away at the end of a peaceful cul-de-sac in the highly sought-after Wilshire Lakes subdivision, this fully renovated home offers an exceptional living experience. Set on an oversized lot, the property features an impressive 80-foot fully enclosed view of a tranquil lake, just 5 miles from the pristine sugar sand beaches of Naples. Boasting 4 bedrooms, a spacious den, and 3.5 bathrooms, this home presents a bright, open floor plan with soaring ceilings and an abundance of natural light. The gourmet kitchen, equipped with GE Cafe appliances and ample cabinetry, is ideal for both everyday living and entertaining. The luxurious primary suite includes dual sinks, a soaking tub, and a walk-in shower. Outside, enjoy the ultimate in relaxation with a private pool and spa within a screened-in lanai, perfect for entertaining or unwinding. The property also offers a three-car garage and is fully turnkey, allowing you to move in with ease. This home provides peace of mind with full hurricane protection, surge protection, and being plumbed for a generator. With access to top-rated schools, community amenities such as tennis courts and a fitness center, and proximity to shopping and dining, this property offers the perfect combination of comfort, security, and convenience. Don’t miss the chance to make this exceptional home yours!



$1,425,000
Sold Price:
$1,210,000
Sold Date:
11/12/2025
View Details

Wilshire Lakes

9833 Clear Lake Cir, Naples, FL 34109

Homes - 2,945 ft² / 3,537 ft² - 3 Car Garage

4+Den / 3 Baths / Pool / Spa

Built 2001
Wilshire Lakes Naples Homes: Spacious Elegance in Sought-After Wilshire Lakes Welcome to this beautifully appointed residence nestled in the desirable, gated community of Wilshire Lakes—just minutes from Naples’ world-renowned beaches, upscale shopping, and premier dining. Boasting nearly 3,000 square feet of living space, this 5-bedroom, 3-bath home offers an open-concept floor plan that seamlessly blends comfort and functionality. Soaring ceilings and expansive sliding glass doors flood the interior with natural light and invite you to the covered lanai—complete with a sparkling pool and spa—perfect for relaxing or entertaining. The thoughtfully designed layout includes a convenient pool bath, ideal for effortless indoor-outdoor living. Set on a lush, private lot with a tranquil backyard, this home features a spacious 3-car garage and a versatile split-bedroom design to suit any lifestyle. Enjoy the serenity of a quiet, tree-lined street while still being connected to everything that makes North Naples so special. A true bonus is the easy bike or walking access to North Collier Regional Park—offering a fitness center, sports fields, fitness classes, an exciting water park, and the beloved children’s museum. This is your opportunity to experience the best of Southwest Florida living in a community known for its natural beauty, strong sense of neighborhood, and unbeatable location.



$1,425,000
Sold Price:
$1,350,000
Sold Date:
11/21/2025
View Details

Wilshire Lakes

8110 Lowbank Dr, Naples, FL 34109

Homes - 2,808 ft² / 3,795 ft² - 3 Car Garage

4+Den / 3 Baths / Pool / Spa

Built 1993
Wilshire Lakes Naples Homes: Welcome to Wilshire Lakes where you’ll find this beautifully remodeled Southern-exposure residence, perfectly located on a large wooded lot, offering ultimate privacy with lush preserve views all around. The shaded front yard with majestic oak trees welcomes you into a home filled with charm and modern upgrades. The heart of this open concept home is the gourmet kitchen with large center island, custom cabinetry, quartz countertops, and top-of-the-line appliances including built-in Jennaire refrigerator, Wolfe induction cooktop, Jennair wall ovens with warming drawer, tiled backsplash and farmhouse sink. The expansive split floor plan features wide-plank white oak hardwood flooring, four bedrooms, office or fifth bedroom and three fully remodeled bathrooms (including a convenient pool bath). Charming details throughout include crown molding, custom built-ins, a wood-burning fireplace with charming mantle, walls of sliders for all day sunshine and plantation shutters in all main living areas and owner’s suite. A three-car garage and large closets provide abundant storage. Designed for effortless indoor-outdoor living, the home’s backyard invites you to unwind in total privacy. Offering preferred southern exposure, the paver deck, covered lanai, and sparkling heated saltwater pool and spillover spa offer privacy with lush preserve views. Wilshire Lakes is nestled within a private preserve of 254 acres of scenic lakes and woodlands. Just minutes away, you’ll find some of Southwest Florida's finest beaches, as well as the upscale Mercato shopping and dining district. The community of Wilshire Lakes also features a clubhouse with fitness center, a community pool and tennis courts, as well as 24-hour guard gated security. Don’t miss the opportunity to make this special home yours!



$1,075,000
Sold Price:
$985,000
Sold Date:
06/26/2025
View Details

Wilshire Lakes

9711 Wilshire Lakes Blvd, Naples, FL 34109

Homes - 2,765 ft² / 3,295 ft² - 2 Car Garage

4+Den / 3 Baths / Pool / Spa

Built 2001
Wilshire Lakes Naples Homes: This custom-built single-family lakefront home is priced to sell and is significantly below market value. The open 4 bedroom plus den and two separate living area property features a newer flat-tiled roof, which was replaced in 2021. From the etched glass double front doors, there is a stunning view of the pool and spa, and the lake beyond. It opens to a large open living room with wide sliding glass doors to the lanai. The central kitchen has high-quality wood cabinetry and a breakfast nook in front of a huge bay window with stunning lake views. On the other side of the kitchen is a family room with wood floor-to-ceiling bookcases and a mounted TV. It has a large sliding glass door to the lanai, which when opened in addition to the living room sliders, provides a large al fresco entertainment area. The home has 14-foot ceilings adorned with crown moldings and newly painted walls, creating an airy atmosphere. It has wood plantation shutters as window treatments. The primary bedroom and expansive bath have its own wing on one side of the house with outdoor access. Three additional bedrooms have their own privacy on the opposite side of the home. Besides the shared guest bath, it has a full pool bathroom with convenient outdoor access to the lanai. It also includes an oversized two-car garage with overhead storage of clear storm shutters and Armor Storm Screens for lanai. Wilshire Lakes is a centrally located gated community with large lots, plentiful lakes and tree-lined streets. It also features two clubhouses with resort-style pools, a spa, clay tennis courts, and the incredibly low HOA fees include high-speed internet and cable. The community is easily accessible with its own traffic light and offers 24-hour guard-gated security. Just minutes away, you’ll find some of Southwest Florida's finest beaches, such as Vanderbilt Beach and Delnor-Wiggins Pass State Park, as well as the upscale Mercato shopping and dining district. Are you able to recognize a great deal when you see it?



$875,000
Sold Price:
$800,000
Sold Date:
10/01/2025
View Details

Wilshire Lakes

6055 Shallows Way, Naples, FL 34109

Homes - 2,845 ft² / 3,662 ft² - 2 Car Garage

4+Den / 3 Baths / Pool

Built 2002
Wilshire Lakes Naples Homes: This large 4 Bedroom + Den 3 Bathroom open floor plan pool home has the Master Bedroom, 1 guest bedroom and a Den downstairs. 2 bedrooms with a loft upstairs and a balcony looking out over the screened pool. Home has newer roof, Ac, water heater and pool heater. Wilshire Lakes is a phenomenal well established gated community off Vanderbilt Beach Rd in North Naples. Offering 2 community clubhouses with pools, tennis courts, fitness center and 24 hr manned guard gate. Centrally located to all Naples has to offer, Minutes from the white sandy beaches, world class shopping and restaurants. A rated schools. Make this your new home and start living the Naples lifestyle today!



$759,000
Sold Price:
$660,000
Sold Date:
10/22/2025
View Details

Wilshire Lakes

3988 Reflection Ct, Naples, FL 34109

Homes - 1,692 ft² / 2,132 ft² - 2 Car Garage

3 Bed / 2 Baths

Built 1993
Wilshire Lakes Naples Homes: Great Opportunity to own in Wilshire Lakes! Charming Key West Cottage Style 3 Bed 2 Bath Single Family Home w/Gorgeous LONG LAKE VIEW! Located on quiet cul-de-sac in the Sought- After well established gated community of Wilshire Lakes off Vanderbilt Beach Rd in North Naples! 2024 Metal Roof & 2024 Water Heater. You will fall in Love from the minute you walk up to the front porch, garden entry. This home features a spacious Open Floor Plan, Vaulted Ceilings & White Plantation Shutters! Large kitchen with Eat-In dining area & breakfast bar, white GE appliances, pull out drawers in panty, lots of cabinet & counter space for the gourmet chef in your life. Hard wood, carpet & tile flooring. Master Bedroom w/Large Walk In Closet & access to the back porch overlooking the beautiful LAKE. Master Bath w/double sinks & shower. 2nd Bedroom w/access to back porch too! Large Main Bathroom w/shower tub combo, 3rd bedroom w/option to be used as Den or Home Office Space! Laundry in residence in hall closet. Spacious Living room with French Doors that open onto Large Charming Back Porch overlooking the LAKE & WATER FEATURE! A wonderful space to RELAX & ENJOY the gorgeous Naples Sunsets or entertain family & friends! Note: Photos have been Virtually Staged. Low HOA fees that include fiber optics cable, internet, WIFI, community pool, fitness room & community room. 2 Car Garage w/mudroom entrance. 1 Year AHS Buyers Home Warranty Plan included. Centrally located to all that Naples has to offer! Access to "A" rated schools, the 75 freeway, short drive to upscale shopping, dining & entertainment at the popular Mercato & Waterside Shops, Trader Joes, Whole Foods, Seed to Table, North Naples Regional Park, Sun & Fun Lagoon water park, Golisano Children's Museum, Ritz Carlton, golfing, boating, pickleball, medical & hospitals & just 4 miles to the white sandy Vanderbilt Beach! Don't miss this opportunity to make this your NEW HOME & Live the Florida Lifestyle!




1 - 13 of 13
Previous
1
Next


Contact Us
Need professional assistance selling your property at Wilshire Lakes Naples? Find out how an Area Specialist can help to generate more property exposure in order to get the most money for your investment in the least amount of time.Contact Us.
*Just Listed: new properties that came on the market within the last 30 days.
*Decrease/Increase: listing values that are being recorded within the last 30 days.
*Foreclosures/Short Sale: Please note, all properties are subject to bank approval. Buyers must be pre-approved or show proof of funds before submitting an offer.

The data relating to real estate for sale/lease on this web site come in part from a cooperative data exchange program of the multiple listing service (MLS) in which this real estate firm (Broker) participates. The properties displayed may not be all of the properties in the MLS's database, or all of the properties listed with Brokers participating in the cooperative data exchange program. Properties listed by Brokers other than this Broker are marked with either the listing Broker's logo or name or the MLS name or a logo provided by the MLS. Detailed information about such properties includes the name of the listing Brokers. Information provided is thought to be reliable but is not guaranteed to be accurate; you are advised to verify facts that are important to you. No warranties, expressed or implied, are provided for the data herein, or for their use or interpretation by the user. The Florida Association of Realtors and its cooperating MLSs do not create, control or review the property data displayed herein and take no responsibility for the content of such records. Federal law prohibits discrimination on the basis of race, color, religion, sex, handicap, familial status or national origin in the sale, rental or financing of housing.