A scenic sunset over a waterway with marshland visible in the distance on the Mississippi Gulf Coast
N° 003
Services

Three ways I help
you find home.

Two people sit in beach chairs on the sand at night watching a full moon over the water, the calm evening pace second-home buyers come to the Gulf Coast for
01
Second Homes

Finding your retreat on the Gulf Coast, whether it is a weekend escape or a permanent change of pace.


The Mississippi Gulf Coast offers some of the most beautiful and affordable waterfront living in the country. From charming beach cottages in Pass Christian to modern condominiums in Biloxi, I help buyers identify the right property for their lifestyle and budget. My banking background means I can walk you through financing options for vacation properties, investment analysis for rental potential, and the tax implications of owning a second home.

Includes
  • Beachfront & Bayfront Properties
  • Condos & Townhomes
  • Vacation Rental Analysis
  • Investment Property Evaluation
  • Financing for Second Homes

Biloxi Lighthouse framed by green trees along a coastal road, a welcoming landmark for military families relocating to the Gulf Coast
02
Military Relocations

Supporting service members, veterans, and their families at every military installation along the Gulf Coast.


Military families face unique challenges during a relocation: tight timelines, unfamiliar territory, and the pressure of making a big financial decision quickly. Whether you are headed to Keesler Air Force Base in Biloxi, the Naval Construction Battalion in Gulfport, the Air National Guard in Gulfport, NASA Stennis Space Center in Hancock County, or a U.S. Coast Guard unit along the Coast, I understand the PCS process inside and out. Having served military families throughout my career, I help service members, veterans, and their families find a home that fits their BAH, close on time for their report date, and feel genuinely welcomed into the Gulf Coast community. My goal is to make the transition as smooth as possible for the whole family.

Includes
  • PCS Move Guidance
  • BAH-Aligned Home Search
  • Knowledge of Every Local Installation
  • Selling During Orders
  • Rental-to-Own Transitions

An elevated view of a boat dock on a calm creek bordering a vast grassy marsh under a bright blue sky, showcasing the waterfront lifestyle
03
Waterfront & Coastal

Expert guidance for the unique considerations of owning property where the land meets the water.


Waterfront and coastal properties come with considerations that standard real estate transactions do not. Flood zones, hurricane-rated construction, coastal insurance requirements, HOA regulations for beachfront communities, and environmental easements all play a role. I bring specialized knowledge in these areas, helping buyers understand the full picture before they commit. My financial background also means I can analyze the true cost of ownership for waterfront properties, including insurance premiums, maintenance, and long-term appreciation.

Includes
  • Flood Zone Expertise
  • Coastal Insurance Guidance
  • HOA & Community Knowledge
  • Hurricane-Rated Construction
  • Environmental Considerations
  • Long-Term Cost Analysis

04
Who I Work With

No two clients look the same, and that is the point.

Whether you are buying your first home, selling a longtime one, relocating to the Coast, investing, or simply trying to figure out what comes next, I am here to make the process a little easier, a lot more personal, and hopefully even a little fun. My mission is the same for every client: help you understand your options, see the possibilities, and confidently move forward.

Second Home Buyers
Military Relocations
Waterfront & Coastal
First-Time Buyers
Move-Up & Growing Families
Home Sellers
Investors
Military & Veterans
Relocating & Out-of-State
Luxury Buyers
Downsizing & Empty Nesters
Divorce & Estate Sales
New Construction

View of a peaceful coastal landscape with a large oak tree and the ocean visible from a wooden residential porch
Brizzie, one of Judy's Mini Aussies, at Gulfport Beach at sunrise with golden light over the water
Brizzie at the Gulfport Marina after a rain, with a rainbow overhead

05
How I Work

Every engagement starts with listening.

  1. i.

    Discovery

    We start with a thorough conversation about your goals, your timeline, your budget, and what matters most. No pressure, no sales pitch — just an honest exchange about what you are looking for.

  2. ii.

    Strategy

    Based on your needs, I create a tailored approach. This includes neighborhood analysis, financing guidance, and a clear understanding of market conditions in your target areas.

  3. iii.

    Search & Evaluation

    I curate properties that match your criteria and provide honest assessments of each option. My financial expertise means you get real numbers, not just impressions.

  4. iv.

    Closing & Beyond

    I guide you through negotiations, inspections, and closing with meticulous attention to detail. And I remain a resource long after the keys are in your hand — because the best relationships in real estate are the long ones.


Judy Atherton wearing an eXp Realty cap on her back porch next to Ash, one of her Mini Aussies
Brizzie and Ash, Judy's two Mini Aussies, running together on the beach in Gulfport under clear blue skies
View from the water of Biloxi's Casino Row with the Margaritaville ferris wheel, a landmark of the Mississippi Gulf Coast

Golden sunrise reflecting on the beach and sand dunes along the Mississippi Gulf Coast
06

Let’s find your place
on the Gulf Coast.


Every journey starts with a single step. Let’s talk about what you are looking for and how I can help make it happen.

Schedule a Consultation