Debbie McHardy

Buying a home is a big decision, and whether you’re a first-time buyer or an experienced homeowner, having a strategic approach can make all the difference. Here are my tips to help you secure the right home at the right price: 1. Get Pre-Approved for a Mortgage First Before you start house hunting, talk to a lender and get pre-approved. This will help you understand how much home you can afford and make your offer more competitive in a hot market. Compare mortgage rates and loan options to find the best fit for your financial situation. 2. Define Your Must-Haves vs. Nice-to-Haves List your non-negotiables (location, number of bedrooms, home features, school district, etc.). Separate them from nice-to-have features (pool, home office, extra garage space) to stay flexible. 3. Work with a Knowledgeable Realtor A local real estate expert can help you find homes that fit your needs, negotiate the best deal, and guide you through inspections, contracts, and closing.Choose a realtor who knows the area well and has a strong track record in your preferred market. 4. Be Prepared for Competition In a seller’s market, homes sell fast. Be ready to act quickly when you find the right property. Consider writing a strong offer with flexible terms, a competitive price, and a solid financing plan. 5. Don’t Skip the Home Inspection Even if a home looks perfect, get a professional inspection to uncover hidden issues. Pay attention to major concerns like the roof, plumbing, foundation, and HVAC system. 6. Understand the True Cost of Homeownership Beyond the purchase price, budget for property taxes, homeowners insurance, maintenance, and HOA fees (if applicable). Get quotes for utilities and factor in future expenses like potential repairs and renovations. 7. Stay Emotionally Balanced It’s easy to get attached to a home, but don’t let emotions override logic. If a deal isn’t right (or if issues arise during inspection), be willing to walk away and explore other options. 8. Think Long-Term Investment Consider the resale value and growth potential of the neighborhood. Even if this is your “forever home,” life changes—so choose a property that will hold its value. Let’s Find Your Dream Home! The home buying process can be exciting but also overwhelming. With the right strategy and guidance, you can make a smart, stress-free purchase. If you're thinking about buying a home, let’s connect and find the perfect property for you! ? 941.960.6099 ? [email protected] ? www.debbiemchardy.com

Selling your home is a big step, and making the right moves can help you sell quickly and at the best price. Whether you're upgrading, downsizing, or relocating, here’s how to maximize your home’s appeal and attract serious buyers: 1. Price It Right from the Start Overpricing can scare away buyers, while underpricing may leave money on the table. Work with a knowledgeable realtor to analyze market trends and price your home competitively. Consider getting a pre-listing appraisal or market analysis to determine the best price point. 2. Boost Curb Appeal First impressions matter! Make sure your home has a welcoming exterior by: ? Freshening up landscaping (mow the lawn, plant flowers, trim bushes) ? Repainting or power-washing the front door and siding ? Updating outdoor lighting and house numbers for a modern touch 3. Declutter & Depersonalize Less is more! Buyers need to envision themselves in your home, so: ? Remove personal photos and excessive decor ? Clear countertops, closets, and storage spaces ? Consider renting a storage unit for excess furniture and belongings 4. Make Strategic Updates (But Don’t Overdo It) Focus on high-impact updates like a fresh coat of neutral paint, modern fixtures, and minor kitchen or bathroom upgrades. Avoid expensive renovations that may not yield a high return on investment (ROI). 5. Stage Your Home for Maximum Appeal Professionally staged homes sell faster and for more money. If a full staging isn’t possible, focus on key areas like the living room, kitchen, and primary bedroom. Add cozy touches like fresh flowers, soft lighting, and inviting scents. 6. Hire a Skilled Real Estate Agent A local market expert will: ? Market your home effectively (professional photos, social media, and listing platforms) ? Negotiate the best terms for you ? Help navigate showings, offers, and closing details 7. Be Flexible with Showings The more accessible your home is to potential buyers, the faster it will sell. Consider: ? Allowing showings during evenings and weekends ? Offering virtual tours for out-of-town buyers 8. Be Ready for Negotiations Expect offers and counteroffers. Stay open to negotiations while keeping your bottom line in mind. Work with your agent to evaluate all offers, including contingencies and buyer financing. 9. Plan for the Closing Process Once you accept an offer, be prepared for inspections, appraisals, and paperwork. Address any potential repairs early to avoid delays. 10. Stay Emotionally Detached & Think Like a Seller Selling a home can be emotional, but view it as a business transaction. Trust the process, be patient, and lean on your real estate agent for guidance.

I’ve worked with a diverse range of clients from first-time buyers, luxury home clients, investors, and those relocating. I also work with other agents, brokers, and teams looking to enhance marketing & networking. My speciality is working with Global & Relocation Clients – Buyers and sellers navigating cross-border transactions, including luxury and vacation properties.

I received a referral through my Women’s Council network. The clients were from Wisconsin and were wanting a sunshine escape for the long winter months. We spent a few fabulous days viewing homes in Venice, and found them an ideal villa on a golf course. And the home was beautifully furnished, so we closed within a month and they could spend some quality time with their family enjoying their new piece of paradise