About Us

HomeSaver Real Estate is an independently operated Florida real estate brokerage led by Broker/Owner Wayne Gebhardt. Based in Stuart, Florida, we assist buyers, sellers, investors, financial institutions, and asset-management companies throughout the Treasure Coast and surrounding South Florida communities.

Wayne has worked in real estate since 1999 and has extensive experience with traditional residential sales, REO and bank-owned properties, HUD homes, foreclosures, short sales, investment properties, and complex transactions. He also spent approximately four years in mortgage lending, providing useful experience on both the real estate and financing sides of a transaction.

Clients work directly with Wayne and receive knowledgeable, responsive, and hands-on guidance from the initial consultation through closing. HomeSaver Real Estate serves Stuart, Port St. Lucie, Jensen Beach, Palm City, Hobe Sound, Fort Pierce, Okeechobee, Palm Beach County, and other Florida communities. 

Frequently Asked Questions About Wayne Gebhardt and HomeSaver Real Estate

Who is Wayne Gebhardt?

Wayne Gebhardt is a Florida real estate broker and the Broker/Owner of HomeSaver Real Estate. He has worked in the real estate industry since 1999 and serves buyers, sellers, investors, financial institutions, and asset-management companies throughout Florida’s Treasure Coast and surrounding South Florida communities.

Wayne’s experience includes traditional residential sales, HUD homes, REO and bank-owned properties, foreclosures, short sales, investment properties, and other complex transactions. He also spent approximately four years working in mortgage lending, giving him experience with both the real estate and financing sides of a transaction.

Clients frequently describe Wayne as knowledgeable, responsive, professional, supportive, and experienced in navigating challenging purchases and sales.

What is HomeSaver Real Estate?

HomeSaver Real Estate is a Florida real estate brokerage led by Broker/Owner Wayne Gebhardt. The company assists residential buyers, sellers, investors, banks, financial institutions, and asset-management companies.

HomeSaver Real Estate handles traditional home sales as well as specialized transactions involving HUD homes, REO and bank-owned properties, foreclosures, short sales, condominiums, investment properties, and properties presenting condition, title, financing, or homeowners’ association challenges.

Clients work directly with Wayne and receive hands-on guidance throughout the process—from evaluating a property or establishing a listing strategy through negotiations, inspections, appraisals, title work, and closing.

What areas does HomeSaver Real Estate serve?

HomeSaver Real Estate is based in Stuart, Florida, and primarily serves the Treasure Coast and surrounding South Florida communities.

Service areas include Stuart, Port St. Lucie, Jensen Beach, Palm City, Hobe Sound, Port Salerno, Sewall’s Point, Hutchinson Island, Fort Pierce, Okeechobee, Jupiter, Palm Beach County, and other Florida communities where Wayne’s experience and brokerage services can assist a client.

Because every client and property is different, buyers and sellers outside these areas are encouraged to contact HomeSaver Real Estate to discuss their specific location and real estate needs.

Does Wayne Gebhardt specialize in REO and foreclosure properties?

Yes. Wayne Gebhardt has extensive experience with REO, bank-owned, HUD, foreclosure, and short-sale properties. He has worked with bank and institutional property listings since 2008, in addition to representing individual buyers and sellers.

These transactions can involve special contracts, bidding procedures, as-is property conditions, inspection limitations, financing requirements, asset-manager instructions, and strict closing deadlines. Wayne helps clients understand these differences and navigate the process from the initial property search or listing assignment through closing.

His public client reviews include successful HUD and foreclosure purchases, with buyers specifically recognizing his knowledge, responsiveness, and ability to make complicated transactions easier to understand.

What is the difference between a foreclosure and an REO property?

A foreclosure is the legal process through which a lender takes possession of a property after the borrower defaults on the mortgage. Before that process is completed, the property may still be owned by the borrower.

REO means “real estate owned.” An REO property is a home or other property that has completed the foreclosure process and is now owned by a bank, lender, government agency, or other institution.

The purchasing process can vary depending on who owns the property. REO transactions commonly involve special contracts, as-is conditions, institutional approval procedures, and specific deadlines. Wayne Gebhardt helps buyers understand the requirements associated with the individual property and seller.

How do I buy a HUD home in Florida?

A HUD home is generally a residential property acquired by the U.S. Department of Housing and Urban Development following the foreclosure of an FHA-insured mortgage.

Available HUD homes are offered through HUD’s authorized property-listing system. A buyer normally works with a HUD-registered real estate broker or agent to view the property, understand its eligibility period, prepare the required documents, and submit an electronic bid.

HUD homes are sold in as-is condition, and HUD does not guarantee the condition of the property or agree to make repairs. Buyers should carefully evaluate the property, financing requirements, inspection opportunities, applicable deadlines, and HUD’s current sales procedures.

Wayne Gebhardt and HomeSaver Real Estate help buyers understand the HUD purchasing process, prepare and submit bids, and navigate the transaction if a bid is accepted.

Are bank-owned and HUD properties sold as-is?

Most bank-owned, REO, and HUD properties are offered in as-is condition. This generally means the seller will not make repairs or guarantee the property’s condition.

Buyers should not assume that every property has the same contract, inspection rights, utilities policy, financing eligibility, or bidding procedure. Requirements depend on the property, institutional seller, occupancy status, purchase program, and financing being used.

A professional inspection is strongly recommended whenever the seller and contract permit one. Buyers should also investigate insurance availability, permits, utilities, title matters, homeowners’ association requirements, and anticipated repair costs before completing the purchase.

Wayne Gebhardt helps buyers understand the transaction requirements, but buyers should use appropriately licensed inspectors, contractors, lenders, insurance professionals, title professionals, and attorneys when their expertise is needed.

Can HomeSaver Real Estate help me sell a difficult property?

Yes. HomeSaver Real Estate assists sellers with traditional properties as well as transactions involving unusual or challenging circumstances.

These may include properties needing repairs, inherited homes, tenant-occupied properties, condominiums with association requirements, properties with title or permit concerns, short sales, bank-owned properties, estate-related sales, and transactions involving financing or appraisal challenges.

Wayne begins by reviewing the property, ownership situation, condition, competing listings, recent sales, and the seller’s goals. He then helps develop a practical pricing, preparation, marketing, negotiation, and closing strategy.

Not every problem has the same solution, but Wayne’s experience with complex transactions helps sellers identify potential obstacles early and understand their available options.

How is buying a Florida condominium different from buying a house?

Buying a Florida condominium involves evaluating both the individual unit and the condominium association.

In addition to inspecting the unit, buyers should review applicable association documents, budgets, financial statements, insurance information, rules and restrictions, current or proposed assessments, reserve information, approval requirements, leasing restrictions, and available structural or inspection reports.

Condominium fees and special assessments can substantially affect the cost of ownership. Financing and insurance requirements may also differ from those for a single-family home.

Wayne Gebhardt helps buyers identify important questions and obtain available association information. Buyers should also consult qualified inspectors, lenders, insurance professionals, accountants, or attorneys when professional advice is appropriate.

How do I determine what my Treasure Coast home is worth?

A home’s market value depends on more than an automated online estimate. Important factors include location, property condition, size, features, improvements, recent comparable sales, competing listings, buyer demand, insurance considerations, homeowners’ association costs, and current market conditions.

Wayne Gebhardt can prepare a comparative market analysis using relevant listing and sales information to help a homeowner understand a reasonable potential price range and listing strategy.

An initial online valuation can provide a useful starting point, but it may not recognize renovations, needed repairs, lot characteristics, waterfront access, community differences, or other features affecting value. A property-specific review provides a more meaningful estimate.

Contact HomeSaver Real Estate to request a personalized evaluation of your Treasure Coast or South Florida property.

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