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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1711 Sevier St Nashville, TN 37206

Price $1,175,000
Beds 4
Baths 4
Living Area SqFt 3,579
Status Active
MLS # 1862314
Property Type Residential
 

305 Bowling Ave Nashville, TN 37205

Price $1,174,900
Beds 4
Baths 5
Living Area SqFt 5,163
Status Active
MLS # 1876586
Property Type Residential
 

415 Church St Apt 1301 Nashville, TN 37219

Price $1,150,000
Beds 3
Baths 3
Living Area SqFt 2,200
Status Active
MLS # 1868646
Property Type Condo
 

2807a White Oak Dr Nashville, TN 37215

Price $1,150,000
Beds 5
Baths 5
Living Area SqFt 4,775
Status Active Under Contract
MLS # 1822488
Property Type Residential
 

2807b White Oak Dr Nashville, TN 37215

Price $1,150,000
Beds 5
Baths 5
Living Area SqFt 4,775
Status Active Under Contract
MLS # 1822491
Property Type Residential
 

2241 Kayla Dr Goodlettsville, TN 37072

Price $1,150,000
Beds 4
Baths 6
Living Area SqFt 7,868
Status Active
MLS # 1856065
Property Type Residential
 

1221 Old Hickory Blvd Brentwood, TN 37027

Price $1,150,000
Beds 6
Baths 4
Living Area SqFt 6,206
Status Active
MLS # 1875375
Property Type Residential
 

4022b Lealand Ln Nashville, TN 37204

Price $1,149,990
Beds 5
Baths 6
Living Area SqFt 4,728
Status Active
MLS # 1845750
Property Type Residential
 

3420a Benham Ave Nashville, TN 37215

$1,149,000 - 5Br/5Ba -  for Sale in Green Hills, Nashville
New
Price $1,149,000
Beds 5
Baths 5
Living Area SqFt 4,205
Status Active
MLS # 1887721
Property Type Residential
 

3418 Amanda Ave Nashville, TN 37215

Price $1,125,000
Beds 4
Baths 4
Living Area SqFt 4,049
Status Active
MLS # 1869984
Property Type Residential
 

3415b Benham Ave Nashville, TN 37215

Price $1,124,000
Beds 4
Baths 5
Living Area SqFt 4,243
Status Active Under Contract
MLS # 1865232
Property Type Residential
 

3737 West End Ave #302 Nashville, TN 37205

Price $1,115,000
Beds 3
Baths 4
Living Area SqFt 3,247
Status Active
MLS # 1862068
Property Type Condo
 

4021 Graybar Ct Nashville, TN 37215

Price $1,110,000
Beds 4
Baths 5
Living Area SqFt 3,640
Status Active
MLS # 1883448
Property Type Residential
 

3404 Benham Ave Nashville, TN 37215

Price $1,100,000
Beds 4
Baths 5
Living Area SqFt 3,690
Status Active
MLS # 1833904
Property Type Residential
 

1200 Sigler St Se, Nashville

Price $1,100,000
Beds 6
Baths 5
Living Area SqFt 6,700
Status Active Under Contract
MLS # 1842738
Property Type Residential
 

1909 Sevier St Nashville, TN 37206

Price $1,100,000
Beds 5
Baths 5
Living Area SqFt 3,667
Status Active
MLS # 1862304
Property Type Residential
 

1101 Ozark St Nashville, TN 37206

Price $1,100,000
Beds 5
Baths 5
Living Area SqFt 3,667
Status Active
MLS # 1862310
Property Type Residential
 

211 Hillwood Blvd Nashville, TN 37205

Price $1,100,000
Beds 4
Baths 5
Living Area SqFt 4,992
Status Active
MLS # 1868975
Property Type Residential
 

609 Ward Cir Old Hickory, TN 37138

Price $1,100,000
Beds 5
Baths 6
Living Area SqFt 8,015
Status Active
MLS # 1884253
Property Type Residential
 

4022a Lealand Ln Nashville, TN 37204

Price $1,099,990
Beds 5
Baths 4
Living Area SqFt 4,273
Status Active Under Contract
MLS # 1845751
Property Type Residential
 

3910 Abbott Martin Rd Nashville, TN 37215

$1,099,900 - 4Br/5Ba -  for Sale in Green Hills, Nashville
Open House
Price $1,099,900
Beds 4
Baths 5
Living Area SqFt 4,158
Status Active
MLS # 1886218
Property Type Residential
 

3912 Abbott Martin Rd Nashville, TN 37215

$1,099,900 - 5Br/5Ba -  for Sale in Green Hills, Nashville
Open House
Price $1,099,900
Beds 5
Baths 5
Living Area SqFt 4,158
Status Active
MLS # 1886220
Property Type Residential
 

4400 Estes Rd Nashville, TN 37215

Price $1,095,000
Beds 4
Baths 4
Living Area SqFt 3,803
Status Active
MLS # 1841810
Property Type Residential
 

805 Brook Hollow Rd Nashville, TN 37205

Price $1,089,000
Beds 4
Baths 4
Living Area SqFt 4,472
Status Active
MLS # 1842735
Property Type Residential
 

2511 Natchez Trace Nashville, TN 37212

Price $1,085,000
Beds 4
Baths 5
Living Area SqFt 4,117
Status Active
MLS # 1879820
Property Type Residential
 

3416 Amanda Ave Nashville, TN 37215

Price $1,075,000
Beds 4
Baths 5
Living Area SqFt 3,898
Status Active
MLS # 1877789
Property Type Residential
 

3000 Poston Avenue 306 Nashville, TN 37203

Price $1,074,900
Beds 2
Baths 3
Living Area SqFt 1,910
Status Active
MLS # 1868849
Property Type Condo
 

1606 7th Ave Nashville, TN 37208

Price $1,050,000
Beds 4
Baths 4
Living Area SqFt 3,034
Status Active
MLS # 1871196
Property Type Residential
 

111 W End Close Nashville, TN 37205

Price $1,049,900
Beds 3
Baths 3
Living Area SqFt 3,272
Status Active Under Contract
MLS # 1857211
Property Type Condo
 

142 39th Ave N Nashville, TN 37209

Price $1,049,000
Beds 4
Baths 6
Living Area SqFt 3,689
Status Active
MLS # 1873418
Property Type Residential
 

3623 Woodmont Blvd Nashville, TN 37215

$1,040,000 - 5Br/5Ba -  for Sale in The Homes At Woodmont, Nashville
Open House
Price $1,040,000
Beds 5
Baths 5
Living Area SqFt 4,413
Status Active
MLS # 1851684
Property Type Residential
 

3610a West End Ave. (#104) Nashville, TN 37205

Price $1,037,145
Beds 3
Baths 4
Living Area SqFt 2,860
Status Active
MLS # 1843179
Property Type Residential
 

2002 Overhill Dr Nashville, TN 37215

Price $1,029,900
Beds 5
Baths 5
Living Area SqFt 3,972
Status Active
MLS # 1873655
Property Type Residential
 

2225 Castleman Dr Nashville, TN 37215

Price $1,025,000
Beds 5
Baths 5
Living Area SqFt 4,353
Status Active Under Contract
MLS # 1874672
Property Type Residential
 

204 Moultrie Park Nashville, TN 37205

Price $1,025,000
Beds 3
Baths 5
Living Area SqFt 5,050
Status Active
MLS # 1878623
Property Type Residential
 

2253b Castleman Dr Nashville, TN 37215

Price $1,025,000
Beds 5
Baths 4
Living Area SqFt 3,897
Status Active
MLS # 1880377
Property Type Residential
 

3513 Ruland Pl Nashville, TN 37215

Price $1,025,000
Beds 4
Baths 4
Living Area SqFt 4,115
Status Active
MLS # 1884104
Property Type Residential
 

2227 Castleman Dr Nashville, TN 37215

Price $1,025,000
Beds 5
Baths 5
Living Area SqFt 4,353
Status Active Under Contract
MLS # 1886094
Property Type Residential
 

3610b West End Ave. (#103) Nashville, TN 37205

Price $1,019,230
Beds 3
Baths 4
Living Area SqFt 2,813
Status Active
MLS # 1843176
Property Type Residential
 

3610c West End Ave. (#102) Nashville, TN 37205

Price $1,018,935
Beds 3
Baths 4
Living Area SqFt 2,813
Status Active
MLS # 1843174
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