With over 12 years in the Florence Real Estate market, David Gardner is eager to answer any question you may have related to the Buying or Selling process. Below are some key factors which we consider during each process. However, we’re excited to meet you and answer any further questions you may have!


Buying a home can be a daunting and overwhelming process if you do not have extensive information related to the area, and key understanding of the most important purchasing factors. David Gardner is devoted to educating and facilitating the purchasing process. Below are some of the key elements which we help address:

  • Know your Credit Score:
    We’re constantly bombarded with Credit Score ratings and offers to better or credit. However, few people know that Mortgage Companies typically pull information related to a FICO 8. It’s best to know your FICO 8 score prior to diving into the purchasing process. David is an expert at analyzing and detailing your credit score and how it will relate to your buying experience.
  • 2 to 3 Years of previous income: 
    Before you’re approved for a loan, more guarantors will require a minimum of 2-3 years of previous income statements. Make sure to have these prepared before starting your buying journey.
  • Bank Statements:
    Be prepared to pay your down payment. It will be important to understand the initial amount, and ensure that you’re financially stable enough to initiate the endeavour. This needs to be “money-on-hand” and not loaned funds!
  • Debt-to-Income Ratio:
    Understanding your debt-to-income ratio is imperative in order to effectively start your purchasing process. Lenders typically measure your ability to manage loan payments by analyzing your current debt-to-income ratio. As best practice, you would like your debt-to-income ratio to be within the ballpark of 43%.


Similar to the purchasing process, the Selling process can be equally as daunting and stressful. How do you know if you’re getting the best deal? Additionally, how do you know if this is the best time to sell? David Gardner specializes in helping individuals and Families find the ideal offer on their home. Below is some helpful information related to the selling process.

  • Negotiations: 
    David is highly trained in effectively negotiating with the buying party in order to help you sell at a beneficial price. We work on your behalf to make sure you receive the most out of your current home or property.
  • Staging and Preparation: 
    Staging your home for showings can feel unnatural and difficult to approach. David has a keen and experienced eye for presentation and showings. We’re here to help relieve the stress of showings, and present your home in the most effective way possible.
  • Utilize Technology and Marketing: 
    Although the selling market is currently on the upward trajection, it can still be difficult to raise awareness of your home or property. David Gardner will expertly market and advertise your home in order to obtain exposure and awareness. Potential buyers will notice your professionally presented home more frequently, which will potentially expedite the selling process!