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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3510 Hilldale Dr Nashville, TN 37215

Price $1,675,000
Beds 4
Baths 6
Living Area SqFt 4,612
Status Active
MLS # RTC2087250
 
 
 

3516 Hilldale Dr Nashville, TN 37215

Price $1,675,000
Beds 4
Baths 6
Living Area SqFt 4,612
Status Active
MLS # RTC2088967
 
 
 

603 Davidson Rd Nashville, TN 37205

Price $1,650,000
Beds 7
Baths 9
Living Area SqFt 6,556
Status Active
MLS # RTC2131048
 
 
 

3509 Scarsdale Rd Nashville, TN 37215

Price $1,650,000
Beds 4
Baths 5
Living Area SqFt 6,183
Status Under Contract - Not Showing
MLS # RTC2082526
 
 
 

956 Battery Ln Nashville, TN 37220

Price $1,649,000
Beds 4
Baths 5
Living Area SqFt 4,718
Status Active
MLS # RTC2130916
 
 
 

2800 Valley Brook Pl Nashville, TN 37215

Price $1,649,000
Beds 4
Baths 5
Living Area SqFt 5,291
Status Active
MLS # RTC2119915
 
 
 

911 Dorset Dr Brentwood, TN 37027

Price $1,639,900
Beds 4
Baths 5
Living Area SqFt 5,045
Status Active
MLS # RTC2135520
 
 
 

712 Estes Rd Nashville, TN 37215

Price $1,625,000
Beds 4
Baths 6
Living Area SqFt 4,990
Status Active
MLS # RTC2135234
 
 
 

1003 Glendale Ln Nashville, TN 37204

Price $1,599,999
Beds 5
Baths 3
Living Area SqFt 4,555
Status Active
MLS # RTC2127847
 
 
 

5033 High Valley Dr Nashville, TN 37220

Price $1,599,000
Beds 4
Baths 6
Living Area SqFt 7,415
Status Active
MLS # RTC2111470
 
 
 

817 Dewees Ave Nashville, TN 37204

Price $1,599,000
Beds 6
Baths 6
Living Area SqFt 4,417
Status Active
MLS # RTC2095240
 
 
 

3005 New Natchez Trce Nashville, TN 37215

Price $1,599,000
Beds 5
Baths 6
Living Area SqFt 5,078
Status Active
MLS # RTC2129054
 
 
 

211b Page Rd Unit B Nashville, TN 37205

Price $1,595,000
Beds 5
Baths 6
Living Area SqFt 4,389
Status Active
MLS # RTC2128053
 
 
 

3635 West End Nashville, TN 37205

Price $1,595,000
Beds 2
Baths 3
Living Area SqFt 2,768
Status Active
MLS # RTC2118775
 
 
 

3631 West End Nashville, TN 37205

Price $1,595,000
Beds 3
Baths 4
Living Area SqFt 4,068
Status Under Contract - Not Showing
MLS # RTC2114906
 
 
 

5526 Ashland City Hwy (hwy 12) Nashville, TN 37218

Price $1,500,900
Beds 2
Baths 1
Living Area SqFt 1,473
Status Active
MLS # RTC2061399
 
 
 

1512 Bell Rd Nashville, TN 37211

Price $1,500,000
Living Area SqFt 1
Status Active
MLS # RTC2110894
 
 
 
 
 

714 Hillwood Blvd Nashville, TN 37205

Price $1,500,000
Beds 5
Baths 4
Living Area SqFt 7,997
Status Active
MLS # RTC2111185
 
 
 

712 14th Ave S Nashville, TN 37203

Price $1,500,000
Beds 3
Baths 1
Living Area SqFt 1,022
Status Active
MLS # RTC2114425
 
 
 

1909 Sevier Street Nashville, TN 37206

Price $1,500,000
Beds 4
Baths 4
Living Area SqFt 4,380
Status Under Contract - Not Showing
MLS # RTC2044941
 
 
 

3048 Lebanon Rd Nashville, TN 37214

Price $1,500,000
Beds 4
Baths 3
Living Area SqFt 5,880
Status Under Contract - Not Showing
MLS # RTC2017644
 
 
 

425 Glen West Dr Nashville, TN 37215

Price $1,495,000
Beds 5
Baths 6
Living Area SqFt 4,705
Status Active
MLS # RTC2126683
 
 
 

223 Burlington Pl Nashville, TN 37215

Price $1,495,000
Beds 4
Baths 5
Living Area SqFt 4,800
Status Active
MLS # RTC2134888
 
 
 

3365 Hobson Pike Hermitage, TN 37076

Price $1,495,000
Beds 8
Baths 7
Living Area SqFt 9,700
Status Under Contract - Not Showing
MLS # RTC2086412
 
 
 

120 Woodmont Blvd Unit S103 Nashville, TN 37205

Price $1,450,000
Beds 1
Baths 2
Living Area SqFt 1,935
Status Active
MLS # RTC2095577
 
 
 

515 Church St Unit 4203 Unit 4203 Nashville, TN 37219

Price $1,450,000
Beds 2
Baths 2
Living Area SqFt 1,313
Status Active
MLS # RTC2109082
 
 
 

1815 Sweetbriar Ave Nashville, TN 37212

Price $1,450,000
Beds 4
Baths 4
Living Area SqFt 4,099
Status Under Contract - Not Showing
MLS # RTC2093404
 
 
 

2715 Wortham Ave Nashville, TN 37215

Price $1,449,000
Beds 4
Baths 5
Living Area SqFt 4,116
Status Active
MLS # RTC2131307
 
 
 

1325 Duncanwood Ct Nashville, TN 37204

Price $1,435,000
Beds 4
Baths 5
Living Area SqFt 4,634
Status Active
MLS # RTC2132590
 
 
 

1212 Graybar Ln Nashville, TN 37215

Price $1,400,000
Beds 4
Baths 5
Living Area SqFt 3,948
Status Active
MLS # RTC2117771
 
 
 

4015b Estes Nashville, TN 37215

Price $1,399,900
Beds 4
Baths 6
Living Area SqFt 4,118
Status Active
MLS # RTC2094111
 
 
 

122 Cheekwood Terrace Nashville, TN 37205

Price $1,399,000
Beds 4
Baths 5
Living Area SqFt 4,297
Status Active
MLS # RTC2110927
 
 
 

1018 Ozark Street Nashville, TN 37206

Price $1,399,000
Beds 5
Baths 4
Living Area SqFt 4,380
Status Active
MLS # RTC2044886
 
 
 

1807 Stokes Ln Nashville, TN 37215

Price $1,395,000
Beds 4
Baths 4
Living Area SqFt 4,111
Status Active
MLS # RTC2128721
 
 
 

111 Heady Dr Nashville, TN 37205

$1,395,000 - 5Br/7Ba -  for Sale in Belle Meade Highlands, Nashville
New
Price $1,395,000
Beds 5
Baths 7
Living Area SqFt 5,202
Status Active
MLS # RTC2138142
 
 
 

3633 West End Nashville, TN 37205

Price $1,375,000
Beds 2
Baths 3
Living Area SqFt 2,768
Status Active
MLS # RTC2118776
 
 
 

4000 West End Ave Apt 204 Unit 204 Nashville, TN 37205

Price $1,374,900
Beds 3
Baths 3
Living Area SqFt 3,535
Status Active
MLS # RTC2123123
 
 
 

2526 Ashwood Ave Nashville, TN 37212

Price $1,349,000
Beds 5
Baths 4
Living Area SqFt 4,416
Status Active
MLS # RTC2125920
 
 
 

1811 Beech Ave Nashville, TN 37203

Price $1,349,000
Beds 7
Baths 6
Living Area SqFt 5,072
Status Active
MLS # RTC2127866
 
 
 

1014a Noelton Ave Nashville, TN 37204

Price $1,345,000
Beds 4
Baths 6
Living Area SqFt 4,273
Status Under Contract - Not Showing
MLS # RTC2122006
 
 
 

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