I've been a Mississippi Gulf Coast real estate broker since 2000, building on a decade in banking and lending and a real estate career that began years earlier. That financial background and decades of experience help me see beyond the transaction, understand the options, and guide my clients toward decisions that make sense for them.
Sometimes you're moving for a new assignment. Selling a home after a loss or major life change. Downsizing after decades in the same place. Buying the beach house you've talked about for years. Investing in a property and trying to determine whether the numbers really work.
Or maybe you simply know something needs to change, but you're not sure what the next move should be.
I've helped clients navigate all of these situations. My job isn't to push you toward a transaction. It's to help you understand your options, see the possibilities, and confidently move forward.
Every move has a story behind it. Whether you're selling, relocating, investing, or looking for your place on the Mississippi Gulf Coast, we'll start with where you are and what you're trying to accomplish.
Selling a home is often connected to something bigger—a move, retirement, downsizing, an estate, a change in family circumstances, or simply deciding it's time for something different.
I'll help you understand the market, prepare and position your property, evaluate the financial side of your options, and build a strategy around what matters to you.
Moving here means learning more than neighborhoods and home prices. You need to understand commute times, communities, flood zones, insurance, taxes, military considerations, and how life can differ from one part of the Coast to another.
I've helped military, corporate and individual clients relocate to the Mississippi Gulf Coast for decades. I'll help you understand not just what you can buy, but where you'll feel at home.
Maybe you're looking for a weekend place near the water, a second home for your family, an investment property, or a home that could eventually become your retirement destination.
My background in banking, lending and real estate investing means we'll look beyond the property itself—at the numbers, the risks, the possibilities, and how the purchase fits into your bigger picture.
Judy Atherton · Real Estate Advisor · eXp Realty
My path to real estate wasn't a straight one, and that's turned out to be one of my greatest advantages.
I spent 10 years in banking and lending with a degree in Banking & Finance from Mississippi State University and pursued graduate studies in finance at the University of Southern Mississippi. My earliest experience in real estate came in the late 1980s, when one of my real estate finance professors brought me into the sale of three large Gulfport apartment communities that had gone into receivership.
I returned to real estate in the 1990s and earned my Mississippi broker's license in 2000. Since then, I've helped clients through more than 623 home sales and through just about every kind of market the Mississippi Gulf Coast can produce.
Then came Hurricane Katrina.
Like so many people here, I lost my own home. At the same time, I was sitting at kitchen tables with clients helping them make decisions about damaged homes, mortgages, insurance, relocation and what came next.
Experiences like those change the way you think about real estate.
I don't see a house simply as something to list or sell. I want to understand the finances, the property, the market—and, most importantly, what's happening in your life that brought us to the table in the first place.
Sometimes the answer is to sell. Sometimes it's to buy. Sometimes it's to wait, rethink the plan, or consider an option you hadn't thought about yet.
That's the perspective I bring to every client I help.
Very helpful and great advice. Very thankful for her help.
Don't buy/sell your home on your own. Call Judy and she will do what she did for me. She answered all my questions and then handled all the paperwork, appointments, scheduling, problems and details. Judy took a potentially confusing and stressful situation and made it easy. Thanks Judy!
Judy Atherton is awesome!! She is knowledgeable, professional and a pleasure to work with. We had an unusual situation arise with our sale, and she handled all of the details, which was especially valuable because we were not local. She is an excellent communicator and kept us up to date. We always felt like we must be her most important clients, even though we know she was extremely busy. We would highly recommend Judy to anyone buying or selling a home in the Biloxi area.
We loved working with Judy! Her professional knowledge and experience are outstanding. She patiently showed us many homes and was able to meet our needs, and provide great suggestions. She led the way and smoothed the wrinkles as we sold a home and then purchased another.
Judy is the best realtor that I ever worked with.
I wouldn't even call the experience my wife and I had with Judy " Working with". From the very beginning Judy made sure that she completely understood what our vision was and wasn't for our next home. With that in mind she went above and beyond to make sure that we only visited home tha fell into that category. Judy treated us more like family than customers and for that I will forever be grateful. The results of this fantastic partnership was a great home that our family will enjoy for generations to come.
Judy has been my agent since 2017. We have both purchased and sold properties with her. I would recommend Judy as an agent for many reasons. Her knowledge, communication, professionalism, courtesy and amazing promptitide and efficiency keeps us coming back to her for all of our Real Estate needs. You can't go wrong with Judy Atherton as your agent. She's the best!!
Judy has the patience of Jobe. She has been my angel throughout this process. For the past three years she has been so accommodating and patient with me. I'm sure those years have felt like an eternity for her. She is always professional, knowledgeable, understanding, patient and most importantly KIND. She gets me! So anyone that might read this that is looking for their forever home and a realtor to treat you like family, Judy is definitely your girl! My home is definitely my forever home and if I had to do it all over again, I would pick up that phone and call Judy in a heartbeat. She never cares what time day or night she's always there to assist you in any way! Thank you Judy for all of you hard work and for just being you!
Excellent, knowledgeable, sincere. My husband initially met Judy through a phone call. She was recommended by Chase Home lending. We immediately felt comfortable with Judy in spite of not ever meeting her until closer to closing. We were in Northern VA and she is in South MS. She did all the leg work on the home we purchased. Very knowledgeable about the law and how different a new home purchase can be vs an older home purchase. I highly recommend her to anyone. She really made us feel like family in spite of the long distance. She always answered are requests, phone calls, and text messages. Very savvy in all aspects of real estate. Look her up. She will not let you down and will place your interests at her heart. Thank you Judy for everything.
Judy was outstanding from start to finish in helping us buy our home on the coast. She truly went above and beyond—skillfully guiding us through inspection challenges and coordinating multiple contractors and roofers to get estimates so we could make informed decisions. Her deep knowledge of the entire buying process, proactive problem‑solving, and seamless collaboration with our mortgage company made everything smooth. Judy was always prompt, thorough, and patient in answering our many questions. And she did it all for us while hobbling around on crutches most of the time :) If we buy or sell in the area again, she will be our first call!
Judy was an amazing realtor as well as an outstanding person. She help me and my wife find the perfect home while we were still living in California, she selflessly sacrificed countless hours daily to meet our crazy work schedule. She ended up finding us the ideal house that suited our needs to a tee. I couldn’t recommend Mrs. Atherton enough she will absolutely take care of anything and everything that goes with buying a new home for your family.
Judy was a 10 out of 10 from the beginning to the end of the home selling process. She showed up to our first meeting very prepared and ready to discuss our options and the current market conditions. Judy made sure she understood our priorities and our timeline thoroughly. We listed our home the day before Thanksgiving, closed on New Year’s weekend, and Judy was always available even during the chaos of the holiday season. Any questions that came up, she was very thorough and made sure we understood all of the details. Judy was always on time with any scheduled calls or meetings and she was always quick to act on anything that needed her attention. During showings, Judy was amazing at making sure the times were convenient for my family. She also asked all of the right questions upfront to make sure each showing was with a serious buyer and not someone just “window shopping”. The sale of our home became a multiple offer situation and Judy presented each offer in a way that we could completely understand the bottom line and all the benefits/risk associated with each offer. She understood what was most important to us and never made us feel pressured to accept or choose an offer. Without a doubt, I will highly recommend Judy to friends and family and if we decide to move back to the area, Judy will be our first call!
Serving clients throughout the Mississippi Gulf Coast, including Harrison, Jackson, and Hancock Counties.
“Every transaction is someone’s life-changing moment.”
From military relocations to waterfront dream homes, Judy brings financial expertise and genuine care to every client relationship.
Whether you are buying your first waterfront property, relocating with the military, or looking for a vacation home, I would love to help. Every conversation starts with listening.
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