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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154a Cheek Rd Nashville, TN 37205

Price $1,495,000
Beds 4
Baths 6
Living Area SqFt 4,536
Status Active
MLS # 1929462
Property Type Residential
 

4501 Glendale Place Nashville, TN 37215

Price $1,495,000
Beds 4
Baths 4
Living Area SqFt 4,644
Status Active
MLS # 1950383
Property Type Residential
 

5453 Camelot Rd Brentwood, TN 37027

Price $1,485,000
Beds 5
Baths 7
Living Area SqFt 8,440
Status Active
MLS # 1944715
Property Type Residential
 

815 Timber Ln Nashville, TN 37215

$1,485,000 - 5Br/4Ba -  for Sale in Golf Club/hampton, Nashville
New
Price $1,485,000
Beds 5
Baths 4
Living Area SqFt 4,093
Status Active
MLS # 1951106
Property Type Residential
 

3713 Whitland Ave Nashville, TN 37205

Price $1,450,000
Beds 4
Baths 3
Living Area SqFt 3,567
Status Active
MLS # 1914037
Property Type Residential
 

6405 Worchester Dr Nashville, TN 37221

Price $1,450,000
Beds 4
Baths 6
Living Area SqFt 6,634
Status Active
MLS # 1938978
Property Type Residential
 

741 Bresslyn Rd Nashville, TN 37205

Price $1,437,900
Beds 4
Baths 5
Living Area SqFt 5,058
Status Active
MLS # 1932319
Property Type Residential
 

1727 Glen Echo Rd. Lot #11 Nashville, TN 37215

Price $1,435,000
Beds 4
Baths 5
Living Area SqFt 4,370
Status Active Under Contract
MLS # 1906573
Property Type Residential
 

8405 Old Harding Pike Nashville, TN 37221

Price $1,425,000
Beds 4
Baths 4
Living Area SqFt 4,000
Status Active
MLS # 1925806
Property Type Residential
 

620 Cheron Rd (creative Way) Madison, TN 37115

Price $1,400,000
Beds 4
Baths 1
Living Area SqFt 1,514
Status Active
MLS # 1947582
Property Type Residential
 

3924 Wallace Ln Nashville, TN 37215

Price $1,400,000
Beds 4
Baths 6
Living Area SqFt 4,301
Status Active
MLS # 1936806
Property Type Residential
 

2710 Brightwood Ave Nashville, TN 37212

$1,399,993 - 5Br/6Ba -  for Sale in Belmont Terrace, Nashville
New
Price $1,399,993
Beds 5
Baths 6
Living Area SqFt 4,500
Status Active
MLS # 1951507
Property Type Residential
 

4036 Sneed Rd Nashville, TN 37215

Price $1,399,900
Beds 4
Baths 6
Living Area SqFt 4,726
Status Active
MLS # 1936661
Property Type Residential
 

2010 Linden Ave Nashville, TN 37212

Price $1,399,000
Beds 4
Baths 5
Living Area SqFt 4,544
Status Active Under Contract
MLS # 1928647
Property Type Residential
 

2004 Linden Avenue Nashville, TN 37212

$1,395,000 - 4Br/6Ba -  for Sale in Hillsboro Village/belmont, Nashville
Open House
Price $1,395,000
Beds 4
Baths 6
Living Area SqFt 4,501
Status Active
MLS # 1900761
Property Type Residential
 

1328 Forrest Park Dr Nashville, TN 37205

Price $1,395,000
Beds 4
Baths 6
Living Area SqFt 5,658
Status Active
MLS # 1935343
Property Type Residential
 

720 Summerly Dr Nashville, TN 37209

Price $1,395,000
Beds 5
Baths 6
Living Area SqFt 4,635
Status Active Under Contract
MLS # 1945994
Property Type Residential
 

611 Georgetown Dr Nashville, TN 37205

Price $1,395,000
Beds 4
Baths 5
Living Area SqFt 5,524
Status Active
MLS # 1950492
Property Type Residential
 

1811 Beech Ave Nashville, TN 37203

$1,395,000 - 5Br/5Ba -  for Sale in Waverly Place, Nashville
New
Price $1,395,000
Beds 5
Baths 5
Living Area SqFt 5,072
Status Active
MLS # 1952167
Property Type Residential
 

3516 Richland Ave Nashville, TN 37205

Price $1,390,000
Beds 4
Baths 4
Living Area SqFt 4,072
Status Active
MLS # 1933732
Property Type Residential
 

1805 Writers Circle (#46) Brentwood, TN 37027

Price $1,379,500
Beds 4
Baths 5
Living Area SqFt 3,962
Status Active
MLS # 1918277
Property Type Residential
 

2617 Essex Pl Nashville, TN 37212

Price $1,350,000
Beds 4
Baths 4
Living Area SqFt 4,270
Status Active Under Contract
MLS # 1937734
Property Type Residential
 

900 Dorset Dr Brentwood, TN 37027

Price $1,349,000
Beds 5
Baths 6
Living Area SqFt 5,618
Status Active Under Contract
MLS # 1933207
Property Type Residential
 

547 Close Ln Nashville, TN 37205

Price $1,329,000
Beds 4
Baths 5
Living Area SqFt 5,726
Status Active
MLS # 1900455
Property Type Residential
 

223 Oceola Ave Nashville, TN 37209

Price $1,300,000
Living Area SqFt 5,120
Status Active Under Contract
MLS # 1921478
Property Type Residential
 
 
 

3111 Overlook Dr Nashville, TN 37212

Price $1,300,000
Beds 4
Baths 5
Living Area SqFt 4,156
Status Active
MLS # 1947422
Property Type Residential
 

1021 Summitt Ave Nashville, TN 37203

Price $1,299,900
Beds 6
Baths 6
Living Area SqFt 3,504
Status Active
MLS # 1872880
Property Type Residential
 

6233 Bresslyn Rd Nashville, TN 37205

Price $1,299,900
Beds 5
Baths 6
Living Area SqFt 5,200
Status Active
MLS # 1920376
Property Type Residential
 

117 Lasalle Ct Nashville, TN 37205

$1,299,900 - 4Br/5Ba -  for Sale in Courts Of Belle Meade, Nashville
Open House
Price $1,299,900
Beds 4
Baths 5
Living Area SqFt 3,800
Status Active
MLS # 1944090
Property Type Residential
 

900 20th Ave S Apt 1111 Nashville, TN 37212

Price $1,295,000
Beds 2
Baths 3
Living Area SqFt 2,075
Status Active
MLS # 1864834
Property Type Condo
 

2033a Castleman Dr Nashville, TN 37215

Price $1,295,000
Beds 5
Baths 6
Living Area SqFt 4,340
Status Active
MLS # 1888372
Property Type Residential
 

3800 Abbott Martin Rd Nashville, TN 37215

Price $1,295,000
Beds 4
Baths 4
Living Area SqFt 4,631
Status Active
MLS # 1914862
Property Type Residential
 

725 Hill Rd Brentwood, TN 37027

$1,295,000 - 4Br/3Ba -  for Sale in Brentwood, Brentwood
Open House
Price $1,295,000
Beds 4
Baths 3
Living Area SqFt 4,199
Status Active
MLS # 1943348
Property Type Residential
 

1723 Glen Echo Lot #12 Nashville, TN 37215

Price $1,290,000
Beds 4
Baths 5
Living Area SqFt 4,244
Status Active
MLS # 1937409
Property Type Residential
 

722 Bresslyn Rd Nashville, TN 37205

Price $1,275,000
Beds 4
Baths 6
Living Area SqFt 4,710
Status Active
MLS # 1937755
Property Type Residential
 

20 Rutledge St #107 Nashville, TN 37210

Price $1,269,900
Beds 3
Baths 4
Living Area SqFt 2,502
Status Active
MLS # 1929271
Property Type Condo
 

900 20th Ave S Apt 1601 Nashville, TN 37203

Price $1,250,000
Beds 2
Baths 2
Living Area SqFt 1,829
Status Active
MLS # 1898949
Property Type Condo
 

1512 Tyne Blvd Nashville, TN 37215

Price $1,250,000
Beds 5
Baths 7
Living Area SqFt 4,819
Status Active
MLS # 1934945
Property Type Residential
 

1912 Lombardy Ave Nashville, TN 37215

Price $1,250,000
Beds 4
Baths 4
Living Area SqFt 4,577
Status Active
MLS # 1941397
Property Type Residential
 

1711 Castleman Drive Nashville, TN 37215

Price $1,245,000
Beds 4
Baths 4
Living Area SqFt 3,767
Status Active Under Contract
MLS # 1891813
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