A Little Respect, Please!

downloadYou Remember that old song from Aretha Franklin – R-E-S-P-E-C-T… Well, let’s treat each other with Respect when working with your Realtor, real estate agent or anyone else you’re doing business with.

When you’re working with a real estate agent or Realtor, please keep in mind that when you do not get back to them and let them know what’s going on it’s very frustrating and down right rude~~Sorry to be so blunt but that’s the way it is. I realize that Life gets in the way, situations change, conditions change, feelings change, and that’s all ok. Please reach out to your real estate agent or Realtor and let them know. Even if you don’t do that right away because Life gets in the way at least when they call you answer the phone and let them know don’t just ignore them repeatedly.

This is how many full-time Realtors and real estate agents put food on the table – our connection with our clients – Renters, Buyers and Sellers. If we don’t hear from you, we are unable to help you which means we cannot create a paycheck for ourselves. Now, I get it – it’s not about us – it’s about you however, common courtesy is called for. All we’re asking is are we still moving forward and if not – it’s ok – just let me know.  We can always work together at a later date. A little courtesy goes a long way. I pride myself on treating others the way I want to be treated. downloadKeep that in mind the next time your Realtor or real estate agent calls. Thank you.

If I can be of assistance, please email me at sbhardy@kw.com.

Has Spring Sprung Yet?

Well, it certainly doesn’t feel like with the weather below 70 and we’re well into April. Ugh! marchHere it is April 17th and I don’t know about you but I still feel a chill that in my humble opinion, should be gone and we should be wearing lighter jackets. Anyway, I digress. As we wait for Spring to actually get here, let’s talk about Spring cleaning. This is a great time to get some Spring cleaning done to welcome the change of the guard so to speak. Also, if you’re thinking about Selling — take some inventory and see what you really don’t need. We tend to accumulate lots of stuff over the winter and this is the perfect time to de-clutter. Just in case it may cross your mind to get an value proposition on your home to get a glimpse of what it may yield on the open market – The Multiple Listing Service – that is. Getting ahead of Buyers by clearing spaces, making the yard pretty, shining up the door, doorknobs, etc., is a great way to attract buyers who may have thought about wanting a home like yours but nothing really grabbed their attention. You can make some changes in their mind by sprucing up a few things and it won’t take up too much of your time. You’d be surprised at how a little elbow grease can go a long way. Can you say, Closing date? If you would like some ideas on what to do get your home in ready to sell mode, please email me at sbhardy@kw.com or call 609-484-9890 x144. It would be a pleasure to have that conversation with you.

Happy Spring Cleaning!


Well Finally I’m Back!

imbackI don’t know what happened however I couldn’t get access to this site until I attempted to do so today so I figured I would write and let you know that I apologize for not updating the blog. It was not my intention not to add to the blog. I couldn’t access it for some reason. Since everything is so automated, I couldn’t find anyone to assist at WordPress.

I hope everyone had a fabulous entry into 2018. I hope you are prospering and taking care of yourself and doing great things for you, your family, your health and your wealth. Your health is your true WEALTH and I hope you are taking care of yourself so you can walk your son or daughter down the aisle, attend that graduation in Texas or Mexico or Ride down the Slopes if that’s something you’ve always wanted to do. Go for It!

I intend to keep updating my blog so if you found your way here thank you and please do stop by again and check out my blog.

If I can be of service, email me at sellbuyandinvest@gmail.com.


“I want to Sell my house but I’m NOT Giving it Away”

12957047-house-in-lifebuoy-property-insurance-conceptWhat does your Seller mean when he, she or they (if a couple) makes that statement? It simply means that your sellers are going to want to introduce their home to the market at the highest price possible which could mean – Overpriced! As Realtors, we have to educate our sellers that selling their home as quickly for the highest price possible doesn’t always mean to price start Overpriced. If the home stays on the market too long at the higher price, the home may lose some value points because Buyers may think something is wrong with the home because it’s been on the market for over 30-60-90 days.

Think about it. Homes that sell the quickest for the most money are the homes that are priced right when they enter the market place.

Sellers do yourself a favor and work with your Realtor to price the home right the first time so it won’t be on the market longer than necessary and Sellers can get their home sold and on to their next Life Adventure.

If I can be of service to assist you in getting your home Sold, please email me at sellbuyandinvest@gmail.com.

No Money Down Does Not Mean No $!

Just because you’re buying a home No MONEY DOWN does not mean you won’t have to spend any money at all.

I think it’s safe to say that most people look at money as an enemy. Author, Phil Laut, wrote the book, Money is My Friend. This book was originally written in 1978 and has since been updated and revised in 2002 and 2004 respectively.

The subtitle: Eliminate Your Financial Fears….I think is the key element in the mind of most people: Most of us are afraid of money because we haven’t had a good relationship with money from the beginning. With the exception of the wealthy and ultra-wealthy, the larger majority of our population falls into  one of the following categories: well-to-do, middle class or poor. When I say poor I mean in terms of how much money you make or where you can afford to live, etc.

Most people will state quickly that “money is the root of all evil” because that is what it says in the bible and that’s why most people don’t have a good relationship with it because most people are good and money has gotten a bad rap. However, that suggests that people who are wealthy or are good with money must be bad. Well, think again! The correct verse is “the love of money is the root of all evil”.

What does all of this have to do with buying a home……Well, Everything! If you have the wrong mindset then you’re going to make it hard on yourself to get anything done, including buying a home. Why? Because what you Focus on Expands. If you continue with the mindset that money is evil, hard, bad then you’ll constantly let it slip through your fingers, which is why when it’s time to buy your dream home you’ve been wanting you think NO Money Down is the quick and easy way to buy your home. Now don’t get me wrong, if you qualify for USDA for instance your income has to be at an applicable or low income limit and usually no money down is required great-go for it.  Of course, the home will have to meet all of the USDA guidelines.

Back to what all of this have to do with NO MONEY DOWN. Well, if you go into the process of buying a home with the mindset that no money is required consider that there are certain costs to purchasing a home. Consider your down payment or earnest money deposit if it’s not a USDA loan. Also consider having a home inspection for which the inspector is paid at the time of inspection, and closing costs. Not to mention moving expenses if you plan to hire a moving company. Even if family members and friends help they’re going to be hungry and thirsty. In addition, you may be eating out for a few nights or going to family members or friends. If you intend to buy some new furniture or get a new door or a few windows, all of these expenses will require money OUT OF YOUR POCKET! The list can go on but you get my meaning.

So what’s the answer? Simple. Save Your Money. How much? Suggestion: $5k minimum. How? Prioritize. Plan. Prepare. Sacrifice. Give up a few things now – skip a meal out, skip a movie night and get a DVD from the local library, cut the cable for a few months, brown bag it for a few months – in order to gain something Great – Your Home for you & your family. It will be worth it. I promise. Need some assistance with it? Easy, call me at 609-484-9890, email me:sbhardy@kw.com, https://www.facebook.com/atlanticcountynjhomes/.

To Your New Home!


Happy March 2017!

Hey All, I haven’t actively been posting because I’ve been working on closings with clients and it can get hectic and I’m only Human! I’ve also been working on writing a book that I’d like to share with you. I wanted to put together a book to share my experience as a real estate agent in the hopes of helping others know more about it before they take the plunge into the real estate arena. To that end, I’ve written a book I named Necessary Roughness because I felt that was what I went through to learn the business of real estate. I think this term can appropriately be applied to learning any new skill for your job or a business.

I am hosting a release party on Friday, May 12, 2017 at a TBD venue. If you are thinking about or have thought about what it could be like in the real estate arena, I Invite you to pre-order Necessary Roughness.

I wrote this book with the newbie real estate agency, struggling real estate agent, frustrated real estate agent in mind to let you know there is a light at the end of the tunnel and this is what we all go through on our way to success.

Pre-order your copy of Necessary Roughness to get a sneak peek into the world of real estate.


Hey, What about a 203K?

fha203Picture it. You’re ready to buy your home. Your credit is right where it needs to be. Your mortgage rep said you just need to do a few more things and you’re ready for pre-approval. You know which real estate agent you’re going to work with because they’re the one that has kept in touch with you and helped you along the way.

Now you’re thinking ok I’ve been driving by or walking by this house for the longest. There’s something about it you really like except – IT’S A JUNKIE HOUSE! Or is it?ragedyhouse

You’ve seen your aunt who is a general contractor take a house like this and make it look really nice so you know it can be done. What about the house you want? You wonder how you’re going to be able to buy the house and have the money to renovate your home as well. You tell your real estate agent about it and she says, “Sure. That’s what the 203K Rehab Loan is all about. Problem solved!

The FHA 203k permits homebuyers to finance up to $35k into their mortgage to repair or improve a home. Many times as  real estate agents, we take clients around looking for the perfect home and you may have seen a property that was perfect however it needed some repairs and upgrades. Well, your homebuyers can still have their “dream” home with a little patience and ingenuity. Knock out some walls, put in a new kitchen and bathroom and Walla! Your “Dream” home is ready for you and your family to move into. You found the perfect home and it fits the Lifestyle of you and your family; it has the all the space you need to be comfortable and create great family memories.memories

Have you seen that home that is perfect but it needs some work? Call me or reply to this post so I can tell you about the FHA 203k. We can make it happen together! Just ask me, Hey, “What about a 203k?