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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2121 W Linden Ave Nashville, TN 37212

Price $1,339,900
Beds 5
Baths 5
Living Area SqFt 3,925
Status Active
MLS # RTC2131030
 
 
 

1716 Stokes Ln Nashville, TN 37215

Price $1,325,000
Beds 5
Baths 5
Living Area SqFt 4,554
Status Active
MLS # RTC2068587
 
 
 

1809 Kimbark Dr Nashville, TN 37215

Price $1,325,000
Beds 4
Baths 5
Living Area SqFt 4,195
Status Active
MLS # RTC2129122
 
 
 

1819 Sweetbriar Ave Nashville, TN 37212

Price $1,325,000
Beds 4
Baths 4
Living Area SqFt 3,917
Status Active
MLS # RTC2130949
 
 
 

1312 Duncanwood Ct Nashville, TN 37204

Price $1,325,000
Beds 4
Baths 4
Living Area SqFt 4,458
Status Active
MLS # RTC2131448
 
 
 

1803 5th Ave N Nashville, TN 37208

Price $1,300,000
Beds 1
Baths 1
Living Area SqFt 1,386
Status Active
MLS # RTC2124101
 
 
 

1807 Kimbark Dr Nashville, TN 37215

Price $1,300,000
Beds 5
Baths 7
Living Area SqFt 4,100
Status Active
MLS # RTC2129089
 
 
 

3700 Benham Avenue Nashville, TN 37215

Price $1,299,900
Beds 4
Baths 4
Living Area SqFt 4,209
Status Active
MLS # RTC2132170
 
 
 

516 Monroe St Nashville, TN 37208

Price $1,299,000
Beds 3
Baths 3
Living Area SqFt 3,158
Status Active
MLS # RTC2133646
 
 
 

824 W Hillwood Dr Nashville, TN 37205

Price $1,295,000
Beds 5
Baths 6
Living Area SqFt 4,004
Status Active
MLS # RTC2089217
 
 
 

4000 West End Ave #102 Unit 102, Nashville

Price $1,290,000
Beds 2
Baths 3
Living Area SqFt 3,530
Status Active
MLS # RTC2102936
 
 
 

144 Vaughns Gap Rd Nashville, TN 37205

Price $1,279,000
Beds 5
Baths 5
Living Area SqFt 4,827
Status Active
MLS # RTC2127135
 
 
 

5620 Ottershaw Court Brentwood, TN 37027

Price $1,275,000
Beds 4
Baths 5
Living Area SqFt 6,145
Status Under Contract - Not Showing
MLS # RTC2129036
 
 
 

1233 Hitt Ln Goodlettsville, TN 37072

Price $1,250,000
Beds 3
Baths 5
Living Area SqFt 4,744
Status Active
MLS # RTC2067199
 
 
 

1805 Kimbark Dr Nashville, TN 37215

Price $1,250,000
Beds 4
Baths 5
Living Area SqFt 3,704
Status Active
MLS # RTC2129041
 
 
 

1811 Kimbark Dr Nashville, TN 37215

Price $1,250,000
Beds 5
Baths 6
Living Area SqFt 3,870
Status Active
MLS # RTC2129194
 
 
 

3915 Caylor Dr Nashville, TN 37215

Price $1,250,000
Beds 4
Baths 6
Living Area SqFt 3,819
Status Active
MLS # RTC2132844
 
 
 

125 Fern Ave Nashville, TN 37207

Price $1,250,000
Beds 4
Baths 5
Living Area SqFt 4,950
Status Active
MLS # RTC2128323
 
 
 

1406 Elmwood Ave Nashville, TN 37212

Price $1,250,000
Beds 7
Baths 6
Living Area SqFt 3,245
Status Under Contract - Not Showing
MLS # RTC2126718
 
 
 

3417 Hopkins St Nashville, TN 37215

Price $1,249,900
Beds 4
Baths 5
Living Area SqFt 4,314
Status Active
MLS # RTC2134018
 
 
 

7741 Indian Springs Dr Nashville, TN 37221

Price $1,200,000
Beds 4
Baths 3
Living Area SqFt 4,014
Status Active
MLS # RTC2082997
 
 
 

201 Cargile Ln Nashville, TN 37205

Price $1,200,000
Beds 3
Baths 7
Living Area SqFt 6,339
Status Active
MLS # RTC2125270
 
 
 

2509b Natchez Trce Nashville, TN 37212

Price $1,200,000
Beds 4
Baths 5
Living Area SqFt 3,236
Status Active
MLS # RTC2112076
 
 
 

3819 Abbott Martin Rd Nashville, TN 37215

Price $1,200,000
Beds 4
Baths 4
Living Area SqFt 4,085
Status Active
MLS # RTC2132028
 
 
 

1078 Archer St Nashville, TN 37203

Price $1,200,000
Beds 4
Baths 5
Living Area SqFt 3,709
Status Under Contract - Not Showing
MLS # RTC2098294
 
 
 

620 Creative Way Madison, TN 37115

Price $1,200,000
Beds 4
Baths 1
Living Area SqFt 1,514
Status Under Contract - Not Showing
MLS # RTC2104676
 
 
 

407 W Hillwood Dr Nashville, TN 37205

Price $1,200,000
Beds 4
Baths 5
Living Area SqFt 2,811
Status Under Contract - Not Showing
MLS # RTC2130292
 
 
 

1711 Sevier St Nashville, TN 37206

Price $1,199,900
Beds 4
Baths 4
Living Area SqFt 3,579
Status Active
MLS # RTC2126140
 
 
 

2204 Hobbs Rd Nashville, TN 37215

Price $1,199,900
Beds 4
Baths 5
Living Area SqFt 4,131
Status Active
MLS # RTC2112888
 
 
 

2019b Galbraith Drive Nashville, TN 37215

Price $1,199,900
Beds 5
Baths 4
Living Area SqFt 4,127
Status Active
MLS # RTC2129667
 
 
 

1811 Beech Ave Nashville, TN 37203

Price $1,195,000
Beds 9
Baths 7
Living Area SqFt 6,652
Status Under Contract - Not Showing
MLS # RTC1990044
 
 
 

3507 Wimbledon Rd Nashville, TN 37215

Price $1,190,000
Beds 3
Baths 4
Living Area SqFt 4,135
Status Active
MLS # RTC2128366
 
 
 

4229 Kirtland Rd Nashville, TN 37215

Price $1,175,000
Beds 4
Baths 4
Living Area SqFt 3,785
Status Active
MLS # RTC2070936
 
 
 

201 Kensington Park Nashville, TN 37215

Price $1,175,000
Beds 4
Baths 5
Living Area SqFt 6,962
Status Active
MLS # RTC2114609
 
 
 

3307 Hobbs Rd Nashville, TN 37215

Price $1,170,000
Beds 6
Baths 5
Living Area SqFt 5,206
Status Active
MLS # RTC2132861
 
 
 

45 Harbor Cove Dr Old Hickory, TN 37138

Price $1,168,000
Beds 6
Baths 8
Living Area SqFt 7,768
Status Active
MLS # RTC2104259
 
 
 

540 Little Channing Way Nashville, TN 37212

Price $1,165,000
Beds 3
Baths 4
Living Area SqFt 2,820
Status Active
MLS # RTC2079026
 
 
 

20 Rutledge St Unit 604 Nashville, TN 37210

Price $1,142,500
Beds 2
Baths 3
Living Area SqFt 1,937
Status Active
MLS # RTC2085302
 
 
 

2041 Linden Avenue Nashville, TN 37212

Price $1,140,000
Beds 3
Baths 4
Living Area SqFt 2,938
Status Under Contract - Not Showing
MLS # RTC2078936
 
 
 

2039 Linden Avenue Nashville, TN 37212

Price $1,140,000
Beds 3
Baths 4
Living Area SqFt 2,938
Status Under Contract - Not Showing
MLS # RTC2078974
 
 
 

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