What’s Your DTIR?

That’s your Debt-to-Income Ratio. Well, do you know? July 2017, Fannie Mae has allowed buyers to carry more debt. I don’t know if that’s good or bad however, it’s a change. Buyers have been challenged since the 2008 meltdown and it’s been more difficult to obtain a mortgage. I guess Fannie Mae feels like Buyers deserve a break and have allowed them to carry more debt.

You can carry more debt — BUTShould you? That will of course be up to each individual Buyer. I will caution each person considering to purchase to beware of carrying too much with a mortgage. It’s not the best way to handle your finances.


I speak a little about this on my anchor podcast–


Take a listen and if I can be of Service, please email me at sbhardy@kw.com.

To Your New Home,

*Infograph courtesy of Wells Fargo.

Interest Rates Rising :( Ugh!

Well, I wanted to share a great finance expert with you. I share her link in my Know Your Numbers Kit. Finance Expert Shani Curry St. Vil from the Miami, Florida area shares her expertise on rising interest rates and how it affects Buyers & Sellers overall in the real estate market. Definitely worth sharing,

Finance Expert Shani Curry St. Vil

And if you would like my Know Your Numbers Kit, email me at sbhardy@kw.com. It’s FREE!

To Your Financial Freedom,

Renters will have a choice on Tilton Road!


Photo courtesy of pressofatlanticcity.com. No copyright infringement intended.

There’s a 266-multi-unit apartment complex coming to Northfield-Tilton Road that is. It’s been in the works since 2014. Developer Gurwicz & Sons received minor subdivision and major site-plan approval from the Board March 2016.

The complex will be called Cresson Hill to be built in four phases with 14 3-story, 45 foot high buildings, a pool and a 3,000 square foot community center. 40 of the units will be affordable housing with 225 market rate units as well as sparking space for 575 vehicles.

This is great news and I will keep you posted as the project continues to develop.


If I can be of assistance, please contact me via email sbhardy@kw.com or call 609-484-9890.

To Your New Rental,

Happy Birthday Vera!

I was kinda out of it yesterday however, I stated on my anchor podcast,

https://anchor.fm/simone-hardy/episodes/Sellers-Blues-e1mbua/a-a43ajk, that it was my mom’s birthday and I gave her and my birth mother¬† – her sister Sara¬† – both shout outs for Vera’s Birthday. I always say I hope I have made them proud of the woman and the person I have become.

If you’d like to take a listen, please click the link above.

Thank you for Listening & Sharing! If I can offer an ear to listen, please contact me at sbhardy@kw.com or call 609-484-9890. Hope to hear from you Soon.


Gardenia Estates is Coming!

wrkTwenty-Five homes are being built by Builder D.R. Horton in Egg Harbor Township, New Jersey. These homes will be located in proximity to the Garden State Parkway & the Atlantic City Expressway in an intimate cul-de-sac community with floor plans ranging from 1,600 to 2,800 square feet. These will include 5 bedrooms with 3.5 bathrooms and modern touches such as 9′ ceilings and open floor plans.

For more Information, please email sbhardy@kw.com or call me at 609-484-9890. Your New Home Awaits!

(picture above NOT representative of D.R.Horton).

Have You been Searching for a Home?

househuntingIf you have been house hunting within the last six months and have been talking to different lenders and mortgage professionals and are exhausted and confused, they want to talk to you. Or even worse, you’ve been looking for a home and don’t have any idea of what your first step should be, no worries!

Call me – 609-484-9890 x 144. I’m here to Show You the Way Home.

If you prefer email – sbhardy@kw.com.