Gard Real EstateRick Gard · Principal Broker
Rick Gard, Principal Broker
Rick Gard, Principal Broker

Indianapolis · Greenwood · Central Indiana

Buying or selling in central Indiana? I handle it all.

From HUD and auction homes to off-market deals and full-service listings, I'm your local broker.

Greenwood, Indianapolis and central Indiana. Serving Marion, Hamilton, Hendricks, Johnson, Morgan, Shelby, Hancock, Boone and Madison counties.

This week's homes

A quick look at homes I'm watching this week.

Watch this week's reel →

Free Property Consultation & Comps Review

Looking at an off-market home, a short sale, or an investment property? I'll walk you through the process and pull recent comparable sales so you know what the numbers look like before you make an offer.

No cost, no obligation. A consultation is guidance, not a guarantee of any offer outcome or property value.

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What I do

A lean, hands-on buyer's agent practice. You work directly with me, not a call center.

Off-Market Homes

Off-market homes, short sales & investor services. I help buyers find homes that aren't widely advertised, like for-sale-by-owner, estate and pre-foreclosure properties, and set an offer backed by local comps.

Broker Price Opinions (BPOs)

Market value opinions for lenders, asset managers, and investors, based on an exterior or interior visit and current comparable sales.

Foreclosures, REO & Repo Homes

Help finding and evaluating bank-owned repo homes and foreclosure properties, plus what to watch for when a house has been sitting empty.

Short Sales

Guidance for buyers working through a short sale, including what to expect on timelines and lender approval.

Property Evaluations for Investors

Out-of-town investors and wholesalers: I'll walk the property for you and report on condition, with extra attention to foundation and HVAC issues, plus photos and comps.

Comps & Pricing Review

A second look at the numbers using recent sales and online estimates like Zillow, checked against what I see on the ground.

Ways to buy & sell with Gard Real Estate

Buyers, investors and sellers in the Indianapolis area: here's how I can help. Call (463) 253-8794 to talk it through.

Off-Market Properties

Some homes sell quietly, like estate sales, for-sale-by-owner and pre-foreclosure homes. Tell me what you're after and I'll keep an eye out and help you check the comps.

REO (Bank-Owned) Properties

When a home goes back to the lender, it's often sold as-is. I'll help you find bank-owned homes, look closely at condition, and understand how the lender's offer process works.

Auction Properties

Sheriff sales and online auctions move fast and have their own rules. I'll help you research a property ahead of time, walk the outside, and know the terms before auction day.

More about auctions →

Listing Services for Sellers

Thinking of selling? I'll walk your home, pull local comps, help you set a fair price, and handle the marketing, showings and paperwork through closing.

Call to List: (463) 253-8794 Contact Rick Share & Sell →

New Homes

Buying a new home? Bring your own agent. It costs you nothing.

With home building and new-construction quality-control experience, I negotiate for the best price and incentives on spec and quick move-in homes, then oversee your build from contract to closing.

See New Homes

First-time buyers: FHA and VA home loans

Buying your first house? I'll walk you through the offer, the financing, and what to check before you commit.

Finding the right home

I'll help you watch for homes in Indianapolis, Greenwood and the surrounding central Indiana counties, including foreclosures, short sales and homes that aren't widely advertised, and get your offer in on time.

FHA, FHA 203(k) & VA loans

Many homes can be bought with FHA financing, and FHA 203(k) loans can roll repair costs into the mortgage. Veterans can ask their lender about VA home loans. I'll help you understand the options so you can talk to a lender with the right questions.

Know the house before you buy

Foreclosures and repo homes are often sold as-is. With my foundation and HVAC background, I'll point out the big-ticket items to look into so there are fewer surprises after closing.

Good to know before you buy

Plain-spoken answers to the questions I hear most.

How short sales work

  1. The seller owes more than the home will sell for, so the lender has to approve the sale.
  2. Your offer goes to the seller first, then to the lender for approval.
  3. Lender approval can take weeks or months, so plan for a longer timeline.
  4. The lender may counter or ask for changes before it says yes.
  5. Homes are usually sold as-is, so inspect and run comps before you commit.

What is a BPO?

A Broker Price Opinion is a licensed broker's estimate of what a property would likely sell for, based on its condition and recent comparable sales. Lenders and investors use BPOs as a faster, lower-cost alternative to a full appraisal. A BPO is not an appraisal.

Why out-of-town investors need local eyes

Listing photos and online estimates don't show a cracked basement wall, a dead furnace, or what the next street over looks like. Having someone local walk the property can save you from a costly surprise after closing.

Foundation & HVAC red flags

  • Stair-step cracks in block walls or bowing basement walls
  • Doors and windows that stick, sloping floors
  • Water stains, efflorescence, or a damp crawlspace
  • Older furnace or A/C, rust, or signs of a refrigerant leak
  • Missing or disconnected ductwork in vacant homes

HUD homes

Gard Real Estate is a HUD registered broker. Ask me about HUD homes for sale in central Indiana.

Learn about HUD homes →

About Rick Gard

I'm a local principal broker serving Indianapolis and the surrounding central Indiana counties. Beyond real estate, I'm HVAC licensed and a certified foundation expert, so when I look at a house I'm looking at more than the paint and the countertops. My goal is simple: give you an honest read so you can make a sound decision.

Get in touch

Call, email, hop on Zoom, or book a time. I'll get back to you personally.

Serving Indianapolis & Central Indiana

Ready to talk about a property?

Whether it's your first home, a short sale or foreclosure you're eyeing, or a deal you can't see in person, let's look at it together.

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