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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4210 Sneed Rd Nashville, TN 37215

Price $1,999,900
Beds 5
Baths 6
Living Area SqFt 5,264
Status Active
MLS # 1979813
Property Type Residential
 

4226 Wallace Lane Nashville, TN 37215

Price $1,999,000
Beds 6
Baths 6
Living Area SqFt 6,260
Status Active
MLS # 1978129
Property Type Residential
 

3000 Poston Avenue 504 Nashville, TN 37203

Price $1,999,000
Beds 3
Baths 4
Living Area SqFt 3,301
Status Active
MLS # 1868853
Property Type Condo
 

4529 Wayland Dr Nashville, TN 37215

Price $1,999,000
Beds 6
Baths 7
Living Area SqFt 6,576
Status Active
MLS # 1988598
Property Type Residential
 

4224 Wallace Lane Nashville, TN 37215

Price $1,999,000
Beds 6
Baths 6
Living Area SqFt 5,944
Status Active
MLS # 1988776
Property Type Residential
 

2841 Kenway Rd Nashville, TN 37215

Price $1,999,000
Beds 5
Baths 6
Living Area SqFt 6,004
Status Active
MLS # 1992188
Property Type Residential
 

3621 W End Ave Nashville, TN 37205

Price $1,990,000
Beds 3
Baths 5
Living Area SqFt 5,710
Status Active
MLS # 1966798
Property Type Residential
 

6304 Jocelyn Hollow Road Nashville, TN 37205

Price $1,989,000
Beds 4
Baths 6
Living Area SqFt 7,411
Status Active
MLS # 1994853
Property Type Residential
 

3609 Richland Ave. (lot #12) Nashville, TN 37205

Price $1,987,665
Beds 5
Baths 6
Living Area SqFt 4,933
Status Active
MLS # 1930152
Property Type Residential
 

313 Maybelle Ln Nashville, TN 37205

Price $1,950,000
Beds 5
Baths 5
Living Area SqFt 5,496
Status Active Under Contract
MLS # 1972363
Property Type Residential
 

2305 Eastland Ave Nashville, TN 37207

Price $1,950,000
Baths 1
Living Area SqFt 2,220
Status Active
MLS # 1947882
Property Type Residential
 
 

3703 Richland Ave. Lot (#13) Nashville, TN 37205

Price $1,947,300
Beds 5
Baths 7
Living Area SqFt 5,603
Status Active
MLS # 1987015
Property Type Residential
 

5246 Brick Church Pike Goodlettsville, TN 37072

Price $1,900,900
Beds 4
Baths 5
Living Area SqFt 4,510
Status Active
MLS # 1962365
Property Type Residential
 

7926 Highway 100 Nashville, TN 37221

Price $1,900,000
Beds 4
Baths 3
Living Area SqFt 3,273
Status Active
MLS # 1986383
Property Type Residential
 

3420 Valley Brook Rd Nashville, TN 37215

Price $1,900,000
Beds 5
Baths 6
Living Area SqFt 6,673
Status Active Under Contract
MLS # 1987927
Property Type Residential
 

199 Bowling Ave Nashville, TN 37205

Price $1,895,000
Beds 4
Baths 6
Living Area SqFt 5,300
Status Active
MLS # 1989619
Property Type Residential
 

3728 West End Ave Nashville, TN 37205

Price $1,895,000
Beds 3
Baths 3
Living Area SqFt 3,804
Status Active
MLS # 1980478
Property Type Residential
 

4613 Villa Green Dr Nashville, TN 37215

Price $1,895,000
Beds 5
Baths 7
Living Area SqFt 5,593
Status Active Under Contract
MLS # 1987362
Property Type Residential
 

2516 Belmont Blvd Nashville, TN 37212

Price $1,890,000
Beds 5
Baths 4
Living Area SqFt 6,600
Status Active
MLS # 1993658
Property Type Residential
 

3821 West End Ave #302 Nashville, TN 37205

Price $1,849,000
Beds 2
Baths 3
Living Area SqFt 4,076
Status Active
MLS # 1948017
Property Type Condo
 

2811 Wimbledon Rd Nashville, TN 37215

Price $1,849,000
Beds 5
Baths 6
Living Area SqFt 5,930
Status Active
MLS # 1976069
Property Type Residential
 

1212 Laurel St Nashville, TN 37203

Price $1,835,000
Beds 2
Baths 3
Living Area SqFt 1,867
Status Active Under Contract
MLS # 1971868
Property Type Condo
 

6029 Sedberry Rd. Nashville, TN 37205

Price $1,799,999
Beds 5
Baths 6
Living Area SqFt 5,372
Status Active
MLS # 1935864
Property Type Residential
 

4025 Wallace Ln Nashville, TN 37215

Price $1,799,000
Beds 4
Baths 5
Living Area SqFt 5,033
Status Active
MLS # 1975062
Property Type Residential
 

205 Leonard Ave Nashville, TN 37205

Price $1,774,000
Beds 5
Baths 8
Living Area SqFt 6,590
Status Active Under Contract
MLS # 1983215
Property Type Residential
 

211 La Vista Dr Nashville, TN 37215

Price $1,750,000
Beds 4
Baths 6
Living Area SqFt 5,302
Status Active
MLS # 1991176
Property Type Residential
 

3609 Knollwood Rd Nashville, TN 37215

Price $1,750,000
Beds 6
Baths 6
Living Area SqFt 6,050
Status Active
MLS # 1942984
Property Type Residential
 

5061 Hill Place Dr Nashville, TN 37205

Price $1,750,000
Beds 4
Baths 4
Living Area SqFt 5,574
Status Active
MLS # 1958842
Property Type Residential
 

606 Estes Road Nashville, TN 37215

Price $1,750,000
Beds 4
Baths 5
Living Area SqFt 5,463
Status Active
MLS # 1994837
Property Type Residential
 

3803 Abbott Martin Nashville, TN 37215

Price $1,749,900
Beds 4
Baths 5
Living Area SqFt 4,577
Status Active
MLS # 1981042
Property Type Residential
 

2800 Valley Brook Pl Nashville, TN 37215

Price $1,749,000
Beds 4
Baths 5
Living Area SqFt 5,291
Status Active
MLS # 1992169
Property Type Residential
 

22 Lynwood Ln Nashville, TN 37205

Price $1,725,000
Beds 5
Baths 6
Living Area SqFt 5,008
Status Active Under Contract
MLS # 1978410
Property Type Residential
 

100 Taggart Ave Nashville, TN 37205

Price $1,725,000
Beds 5
Baths 6
Living Area SqFt 5,371
Status Active
MLS # 1985261
Property Type Residential
 

5610d Granny White Pike Brentwood, TN 37027

Price $1,699,900
Beds 5
Baths 6
Living Area SqFt 5,698
Status Active
MLS # 1975231
Property Type Residential
 

620 Monroe Street Nashville, TN 37208

Price $1,699,880
Beds 4
Baths 7
Living Area SqFt 4,707
Status Active
MLS # 1947043
Property Type Residential
 

1404 Linden Ave Nashville, TN 37212

Price $1,699,000
Beds 6
Baths 7
Living Area SqFt 4,679
Status Active
MLS # 1960570
Property Type Residential
 

3807 Brighton Rd Nashville, TN 37205

Price $1,699,000
Beds 5
Baths 6
Living Area SqFt 5,428
Status Active
MLS # 1954431
Property Type Residential
 

3805 Brighton Rd Nashville, TN 37205

Price $1,699,000
Beds 5
Baths 6
Living Area SqFt 5,364
Status Active
MLS # 1954433
Property Type Residential
 

3517 Woodmont Blvd Nashville, TN 37215

Price $1,695,000
Beds 4
Baths 5
Living Area SqFt 6,067
Status Active Under Contract
MLS # 1967271
Property Type Residential
 

804 Montrose Ave Nashville, TN 37204

Price $1,695,000
Beds 6
Baths 6
Living Area SqFt 4,087
Status Active
MLS # 1971807
Property Type Residential
 

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