Steps to Buying a Home

Everyone dreams of buying their first home. With your first home, it can be a very exciting and the nerves can get to everyone. If you know the expectations during the home buying process you will be more at ease during this lengthy process.

Setting a Budget

Before looking for a house, it is important to know how much house you can afford to buy. Costs to consider include the mortgage down payment, normal monthly expenses like cable, heat and utilities, home property taxes and any insurance costs. These will all have to be considered before buying a home as they are typically included with your mortgage statement. Your credit score determines the interest rate, having knowledge of your credit score ahead of time can help you decide if bluing a new home is affordable or now. An individual’s DTI or debt to income ratio must also fall between a certain level in order to achieve loan approval. After determining these things, and if you feel that buying a new home is in your budget, then its time to start the process!

Getting Pre-Qualified

Looking for a new mortgage, be sure to get several quotes from different banks and mortgage lenders. Banks and mortgage companies will offer different loan points or origination fees so shopping around will save you money. It is important to do your due diligence on the loan officer. After speaking to a few loan officers, you will know which one to choose and many have different years of experience which will be obvious over the phone or in person. When locking your rate, go online to make sure your getting the daily rate and its consistent what other banks and mortgage companies are offering. Rates will determine how much a home mortgage will cost monthly.

Finding The Right Home For You And Your Family

Once you have been qualified for a home mortgage, it’s time to locate the home you have always been looking for. First, locate a Real Estate Agent. Not just any Real Estate Agent will do. Make sure you have an expert realtor who has been around for a while and is knowledgeable about the area you are moving to. A well seasoned Realtor often times has seen many of the homes in your area on the market before and can help you spot a potential money pit before you buy it. Ensure that you make a list of needs and wants taking into consideration the amount of bedrooms you will require now and in the future, amenities, location and asking price. Remember, the first home you visit might be beautiful, but you should visit many homes before making a final decision.

Offer A Price

Typically, sellers try to to cushion their final sales price to leave room for negotiation. Buyer’s bid for a lower price, and typically the seller will counter the offer in the middle. Your real estate agent will take in consideration any issues concerning the property and make suggestions on financial compensation toward the sales price in the negotiation. Listen to your real estate agent closely because they do this everyday for a living. The average buyer only buys a home once every 7 years or so. An experienced Realtor will be able to help you negotiate a lower price that sometimes includes more money for closing costs. Their job is to be your advocate in the home buying process.

Home Inspections

Getting a home inspection is a vital part of the home buying process. These inspections ensure that the home’s foundation, ceiling, heating, electrical system, walls, plumbing and entryways are up to certain standards. Sometimes the bank will require a home inspection however; many times they leave it to the buyer to purchase their own. It is extremely important to protect yourself by getting a home inspection right away. You typically have 10 days from an accepted offer to get the home inspected. Many buyers have been saved from disaster by taking the time to spend the extra $200 – $400 to get a home inspection only to find out the house has major problems allowing them to back out of the contract before it is too late.

Home Owners Insurance Is Required

Mortgage Banks and Mortgage Lenders normally require that you purchase homeowner insurance for your new home. Homeowner’s policies will replace the costs to fix any damages that might happen to the home. The cost of how owners insurance is dependent on a home’s age, where the property is located and the home insurance company you choose. Like with the mortgage company be sure to get several quotes.

Closing

Before you can move into your new home, there is a closing process between the buyer and the seller. You must sign all the legal documents to transfer the title into your name and pay any closing costs or down payment that is owed. Once this is complete, the keys to your new house are given to you! You can move into your new home as soon as this is complete.

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3730 Meadowbrook Avenue Nashville, TN 37205

Beds 2
Baths 2
Living Area SqFt 1,250
Status Active
MLS # RTC1992383
 
 
 

1909 Russell St Antioch, TN 37011

Price $99,999,999
Beds 1
Baths 2
Living Area SqFt 1
Status Active
MLS # RTC1952553
 
 

9170 Hester Beasley Rd Nashville, TN 37221

Price $32,500,000
Beds 5
Baths 6
Living Area SqFt 6,750
Status Active
MLS # RTC1946815
 
 

515 Church Street #4504 Unit 4504, Nashville

Price $6,000,000
Beds 3
Baths 4
Living Area SqFt 3,606
Status Active
MLS # RTC1989307
 
 

216 3rd Ave N Nashville, TN 37201

Price $5,500,000
Beds 3
Baths 6
Living Area SqFt 6,615
Status Active
MLS # RTC2078135
 
 

5021 Hill Place Dr Nashville, TN 37205

Price $4,990,000
Beds 5
Baths 9
Living Area SqFt 14,107
Status Active
MLS # RTC2049539
 
 

5009 Hill Place Dr Nashville, TN 37205

Price $4,950,000
Beds 5
Baths 7
Living Area SqFt 10,350
Status Active
MLS # RTC2024922
 
 

3080 Hillsboro Rd Brentwood, TN 37027

Price $4,880,000
Living Area SqFt 3,528
Status Active
MLS # RTC1945269
 
 
 
 

4606 Shys Hill Rd Nashville, TN 37215

Price $3,900,000
Beds 5
Baths 8
Living Area SqFt 8,000
Status Active
MLS # RTC2047425
 
 

207 3rd Ave N Unit 601 Unit 601 Nashville, TN 37201

Price $3,750,000
Beds 3
Baths 4
Living Area SqFt 2,716
Status Active
MLS # RTC2025525
 
 

5001 High Valley Dr Brentwood, TN 37027

Price $3,400,500
Beds 4
Baths 7
Living Area SqFt 8,188
Status Active
MLS # RTC2056511
 
 

2217 Old Hickory Blvd Nashville, TN 37215

Price $3,330,000
Beds 6
Baths 8
Living Area SqFt 7,977
Status Active
MLS # RTC2037715
 
 

120 Woodmont Nashville, TN 37215

Price $3,250,000
Beds 3
Baths 4
Living Area SqFt 4,261
Status Active
MLS # RTC1998558
 
 

81 Claiborne St Nashville, TN 37210

Price $3,000,000
Living Area SqFt 50,966
Status Active
MLS # RTC2009014
 
 
 
 

6007 Cloverland Drive Brentwood, TN 37027

Price $3,000,000
Beds 3
Baths 2
Living Area SqFt 2,733
Status Active
MLS # RTC2076059
 
 

6727 Duquaine Ct Nashville, TN 37205

Price $2,990,000
Beds 6
Baths 6
Living Area SqFt 11,795
Status Active
MLS # RTC2051308
 
 

731 Summerly Dr Nashville, TN 37209

Price $2,990,000
Beds 5
Baths 7
Living Area SqFt 6,323
Status Active
MLS # RTC2081040
 
 

4737 Post Rd Nashville, TN 37205

Price $2,900,000
Beds 5
Baths 6
Living Area SqFt 6,286
Status Under Contract - Not Showing
MLS # RTC2034353
 
 

415 Church St Ph 3014 Unit 3014 Nashville, TN 37219

Price $2,900,000
Beds 3
Baths 4
Living Area SqFt 2,672
Status Active
MLS # RTC2076274
 
 

6035 River Trce Nashville, TN 37218

Price $2,899,000
Beds 4
Baths 6
Living Area SqFt 6,151
Status Active
MLS # RTC2046423
 
 

7600 Buffalo Rd Nashville, TN 37221

Price $2,800,000
Beds 6
Baths 8
Living Area SqFt 10,230
Status Active
MLS # RTC2004005
 
 

3540 Trimble Rd Nashville, TN 37215

Price $2,750,000
Beds 5
Baths 7
Living Area SqFt 8,050
Status Active
MLS # RTC2043123
 
 

4316 Lindawood Dr Nashville, TN 37215

Price $2,648,250
Beds 4
Baths 5
Living Area SqFt 8,237
Status Active
MLS # RTC2078468
 
 

3801 Trimble Rd Nashville, TN 37215

Price $2,590,000
Beds 5
Baths 6
Living Area SqFt 6,776
Status Active
MLS # RTC2080551
 
 

1202 Robinson Rd Old Hickory, TN 37138

Price $2,500,000
Beds 4
Baths 4
Living Area SqFt 6,580
Status Active
MLS # RTC2054054
 
 

112 Brook Hollow Rd Nashville, TN 37205

Price $2,500,000
Beds 5
Baths 6
Living Area SqFt 6,264
Status Active
MLS # RTC2063655
 
 

4523 Wayland Dr Nashville, TN 37215

Price $2,475,000
Beds 5
Baths 6
Living Area SqFt 7,585
Status Active
MLS # RTC2029409
 
 

120 Woodmont Nashville, TN 37215

Price $2,450,000
Beds 2
Baths 3
Living Area SqFt 3,354
Status Active
MLS # RTC1998554
 
 

3438 Woodmont Blvd Nashville, TN 37215

Price $2,450,000
Beds 5
Baths 6
Living Area SqFt 6,605
Status Active
MLS # RTC2068836
 
 

1300 Forrest Park Dr Nashville, TN 37205

Price $2,449,000
Beds 6
Baths 8
Living Area SqFt 9,096
Status Under Contract - Not Showing
MLS # RTC2071012
 
 

4741 Brick Church Pike Goodlettsville, TN 37072

Price $2,400,000
Beds 5
Baths 8
Living Area SqFt 10,440
Status Active
MLS # RTC2025561
 
 

101 Rolling Mill Rd Old Hickory, TN 37138

Price $2,399,900
Beds 6
Baths 7
Living Area SqFt 9,600
Status Active
MLS # RTC2070200
 
 

4511 Beacon Dr Nashville, TN 37215

Price $2,397,500
Beds 6
Baths 7
Living Area SqFt 6,800
Status Active
MLS # RTC2067187
 
 

4822 Post Rd Nashville, TN 37205

Price $2,375,000
Beds 5
Baths 9
Living Area SqFt 9,419
Status Active
MLS # RTC2031308
 
 

6321 East Valley Road Nashville, TN 37205

Price $2,345,000
Beds 3
Baths 4
Living Area SqFt 4,085
Status Active
MLS # RTC2040924
 
 

2334 Golf Club Ln Nashville, TN 37215

Price $2,279,000
Beds 7
Baths 7
Living Area SqFt 6,950
Status Active
MLS # RTC2058491
 
 

700 12th Ave S Unit 1413 Unit 1413 Nashville, TN 37203

Price $2,250,000
Beds 3
Baths 3
Living Area SqFt 3,334
Status Active
MLS # RTC2071917
 
 

4010 Dorcas Dr Nashville, TN 37215

Price $2,225,000
Beds 6
Baths 7
Living Area SqFt 5,830
Status Active
MLS # RTC2068321
 
 

515 Church Street #3412 Unit 3412, Nashville

$2,200,000 - 2Br/3Ba -  for Sale in 505 High Rise Condominiums, Nashville
Open House
Price $2,200,000
Beds 2
Baths 3
Living Area SqFt 2,525
Status Active
MLS # RTC1977078
 
 

515 Church Street #3312 Unit 3312, Nashville

$2,200,000 - 2Br/3Ba -  for Sale in 505 High Rise Condominiums, Nashville
Open House
Price $2,200,000
Beds 2
Baths 3
Living Area SqFt 2,525
Status Active
MLS # RTC1977101
 
 

Search For Homes | Search Schools | Find Your Home Value | Locate Your Family’s Lifestyle

This High Tech Website will help you locate and find the Davidson County TN homes for sale you desire. You can start your search by looking through all the Davidson County Homes For Sale By Price. We also provide you with your current home value through our instant home value tool for free, check instant home values by your city, town or even your neighborhood. We understand finding the right home for sale is important to you and your family so we have separated Davidson County TN Zip Codes  to make it easier for you to search in the exact location you want to live. You might be searching for Davidson County Homes By Type. This would include all Davidson County Condos and Davidson County Town Homes. Our site also features all Davidson County Homes By Schools, here you will be able to search all homes for sale by the school year your child is attending, private or public, and it even includes all of the schools contact information for enrollment information.

Davidson County Lifestyle also plays a big role choosing a home for you and your family. Our Team understands this more than most so we have built this entire site to focus around the lifestyle you and your family want to live. We Are Here To Serve YOU!

amanda-cotton4

Amanda Cotton

Amanda entered the real estate industry prepared and focused. Her background as a paralegal gives her the knowledge and expertise needed for understanding and explaining contracts, and confidence in the negotiation process. Aside from the legal background, her love of people, families, and community are the same building blocks for her business. She vows to treat her clients as friends. Your concerns are her concerns. Your worries are her worries. And, most importantly, your dream of homeownership is her business.

There are over 300 steps in a real estate transaction, and with Amanda, you don’t have to worry about a single one. She has you covered. She specializes in first time homebuyers, sellers, and VA and is a multi-million dollar producer. She has won several awards since her career began, and is determined to make your experience the best imaginable.

To Amanda, you aren’t just a closing, you are a friend and she’ll be there from beginning to end.

Awards

2014 EMTAR Silver Award of Excellence Recipient

2015 EMTAR Platinum Award of Excellence Recipient
Remax 100% Club Award Recipient

Testimonials

"Best Agent in the area. Aggressive and will go the extra mile to find you your dream home." ~David

"As you know, becoming a first time home owner isn't the easiest thing in the world.. But Amanda guided us through the whole process and made it feel almost easy! She treats her clients like family and made us feel completely comfortable with us making this huge decision. The market is pretty slim right now, but thanks to Amanda's knowledge and expertise we were able to land the home of our dreams! We can and will recommend her to anyone buying or selling their home." ~Megan

"Very professional and great company. Will recommend to everyone." ~Terry