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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3610 D West End Ave Nashville, TN 37205

Price $1,449,000
Beds 4
Baths 6
Living Area SqFt 4,836
Status Active
MLS # 2019362
Property Type Duplex
 

1 Old Club Ln Nashville, TN 37215

Price $1,445,000
Beds 4
Baths 6
Living Area SqFt 5,603
Status Active Under Contract
MLS # 2014760
Property Type Duplex
 

20 Rutledge St #307 Nashville, TN 37210

Price $1,419,900
Beds 3
Baths 4
Living Area SqFt 2,502
Status Active
MLS # 2033533
Property Type Condo
 

3606a West End Ave. (#113) Nashville, TN 37205

Price $1,414,550
Beds 4
Baths 6
Living Area SqFt 4,565
Status Active
MLS # 2029153
Property Type Duplex
 

3606d West End Ave. (#110) Nashville, TN 37205

Price $1,404,635
Beds 4
Baths 6
Living Area SqFt 4,555
Status Active
MLS # 2029149
Property Type Duplex
 

900 20th Ave S Apt 811 Nashville, TN 37212

Price $1,400,000
Beds 2
Baths 3
Living Area SqFt 2,071
Status Active
MLS # 2013184
Property Type Condo
 

3633 West End Nashville, TN 37205

Price $1,400,000
Beds 2
Baths 3
Living Area SqFt 2,882
Status Active
MLS # 2031354
Property Type Condo
 

3507 Wimbledon Rd Nashville, TN 37215

Price $1,400,000
Beds 3
Baths 4
Living Area SqFt 4,135
Status Active
MLS # 2033564
Property Type Duplex
 

1320 Duncanwood Ct Nashville, TN 37204

$1,400,000 - 4Br/4Ba -  for Sale in Duncanwood, Nashville
New
Price $1,400,000
Beds 4
Baths 4
Living Area SqFt 4,422
Status Active
MLS # 2041578
Property Type Duplex
 

3511 Granny White Pike Nashville, TN 37204

Price $1,399,900
Beds 5
Baths 6
Living Area SqFt 4,718
Status Active Under Contract
MLS # 2017866
Property Type Duplex
 

2612 Belcourt Ave Nashville, TN 37212

Price $1,399,000
Beds 4
Baths 8
Living Area SqFt 3,843
Status Active
MLS # 2027221
Property Type Duplex
 

2802 Valley Brook Pl Nashville, TN 37215

Price $1,399,000
Beds 4
Baths 6
Living Area SqFt 5,120
Status Active
MLS # 2037912
Property Type Duplex
 

3210 Long Blvd #202 Nashville, TN 37203

Price $1,395,000
Beds 3
Baths 4
Living Area SqFt 3,522
Status Active
MLS # 2027632
Property Type Condo
 

1010 Lawrence Ave Nashville, TN 37204

Price $1,395,000
Beds 4
Baths 3
Living Area SqFt 3,303
Status Active Under Contract
MLS # 1994883
Property Type Duplex
 

3629 Brighton Rd Nashville, TN 37205

Price $1,395,000
Beds 4
Baths 4
Living Area SqFt 4,249
Status Active
MLS # 2028262
Property Type Duplex
 

1108a Grandview Dr Nashville, TN 37204

Price $1,395,000
Beds 5
Baths 6
Living Area SqFt 5,200
Status Active
MLS # 2031248
Property Type Duplex
 

2008 Natchez Trce Nashville, TN 37212

Price $1,394,000
Beds 6
Baths 6
Living Area SqFt 4,450
Status Active
MLS # 2012431
Property Type Duplex
 

1808 Castleman Nashville, TN 37215

Price $1,375,000
Beds 4
Baths 5
Living Area SqFt 4,736
Status Active
MLS # 2039404
Property Type Duplex
 

3606c West End Ave. (#111) Nashville, TN 37205

Price $1,374,130
Beds 4
Baths 6
Living Area SqFt 4,521
Status Active
MLS # 2029151
Property Type Duplex
 

2804 Valley Brook Pl Nashville, TN 37215

Price $1,369,900
Beds 5
Baths 6
Living Area SqFt 4,762
Status Active
MLS # 1958095
Property Type Duplex
 

709 Cantrell Ave Nashville, TN 37215

Price $1,368,000
Beds 5
Baths 5
Living Area SqFt 4,524
Status Active
MLS # 2034307
Property Type Duplex
 

1810 Castleman Nashville, TN 37215

Price $1,365,000
Beds 4
Baths 5
Living Area SqFt 4,321
Status Active
MLS # 2039411
Property Type Duplex
 

4444 Westcap Rd Whites Creek, TN 37189

Price $1,365,000
Beds 4
Baths 3
Living Area SqFt 2,488
Status Active
MLS # 2013501
Property Type Duplex
 

4204 Hood Ave Nashville, TN 37215

Price $1,350,000
Beds 5
Baths 5
Living Area SqFt 4,419
Status Active
MLS # 2002476
Property Type Duplex
 

2801 27th Ave S S, Nashville

Price $1,350,000
Beds 4
Baths 5
Living Area SqFt 4,170
Status Active
MLS # 2000128
Property Type Duplex
 

903 Lawrence Ave Nashville, TN 37204

Price $1,350,000
Beds 4
Baths 5
Living Area SqFt 4,172
Status Active Under Contract
MLS # 2030918
Property Type Duplex
 

6202 Hickory Valley Rd Nashville, TN 37205

Price $1,349,900
Beds 4
Baths 4
Living Area SqFt 5,217
Status Active
MLS # 2016821
Property Type Duplex
 

4508 Glendale Pl Nashville, TN 37215

Price $1,349,000
Beds 4
Baths 5
Living Area SqFt 4,389
Status Active Under Contract
MLS # 2026496
Property Type Duplex
 

400 Glen West Dr Nashville, TN 37215

Price $1,349,000
Beds 5
Baths 6
Living Area SqFt 4,020
Status Active
MLS # 2030556
Property Type Duplex
 

611 Georgetown Dr Nashville, TN 37205

Price $1,337,499
Beds 4
Baths 5
Living Area SqFt 5,524
Status Active
MLS # 2027343
Property Type Duplex
 

2468 Abbott Martin Rd Nashville, TN 37215

Price $1,325,000
Beds 5
Baths 6
Living Area SqFt 4,593
Status Active
MLS # 2035320
Property Type Duplex
 

7741 Indian Springs Dr Nashville, TN 37221

Price $1,300,000
Beds 4
Baths 3
Living Area SqFt 4,014
Status Active
MLS # 1963660
Property Type Duplex
 

903 Massman Dr Nashville, TN 37217

Price $1,300,000
Beds 5
Baths 3
Living Area SqFt 3,041
Status Active
MLS # 2021918
Property Type Duplex
 

2011b Overhill Dr Nashville, TN 37215

$1,299,900 - 5Br/6Ba -  for Sale in Overton Hills, Nashville
Open House
New
Price $1,299,900
Beds 5
Baths 6
Living Area SqFt 4,336
Status Active
MLS # 2041715
Property Type Duplex
 

20 Rutledge St #207 Nashville, TN 37210

Price $1,299,900
Beds 3
Baths 4
Living Area SqFt 2,502
Status Active
MLS # 2033520
Property Type Condo
 

762 Brownlee Dr Nashville, TN 37205

Price $1,299,900
Beds 5
Baths 5
Living Area SqFt 4,640
Status Active Under Contract
MLS # 2038979
Property Type Duplex
 

741 Bresslyn Rd Nashville, TN 37205

Price $1,298,900
Beds 4
Baths 5
Living Area SqFt 5,058
Status Active Under Contract
MLS # 2006571
Property Type Duplex
 

3435 Amanda Ave Nashville, TN 37215

Price $1,295,000
Beds 5
Baths 5
Living Area SqFt 4,309
Status Active
MLS # 2034165
Property Type Duplex
 

1809 Sweetbriar Ave Nashville, TN 37212

Price $1,290,000
Beds 5
Baths 4
Living Area SqFt 3,923
Status Active
MLS # 2035676
Property Type Duplex
 

3417a Benham Nashville, TN 37215

Price $1,289,000
Beds 4
Baths 6
Living Area SqFt 4,685
Status Active
MLS # 2015440
Property Type Duplex
 

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