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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2037 Overhill Dr Nashville, TN 37215

Price $990,000
Beds 3
Baths 5
Living Area SqFt 3,960
Status Active
MLS # 1881537
Property Type Condo
 

2037 Overhill Dr Nashville, TN 37215

Price $990,000
Beds 3
Baths 5
Living Area SqFt 3,960
Status Active
MLS # 1884546
Property Type Residential
 

2007 Eastside Ave Nashville, TN 37206

Price $989,900
Beds 4
Baths 3
Living Area SqFt 2,888
Status Active Under Contract
MLS # 1862272
Property Type Residential
 

8194 Jackman Rd Joelton, TN 37080

Price $985,000
Beds 4
Baths 3
Living Area SqFt 2,983
Status Active
MLS # 1875398
Property Type Residential
 

1919 Castleman Dr. Nashville, TN 37215

Price $979,900
Beds 5
Baths 4
Living Area SqFt 3,893
Status Active
MLS # 1875895
Property Type Residential
 

1212 Laurel St Apt 1204 Nashville, TN 37203

$975,000 - 2Br/2Ba -  for Sale in Twelve Twelve, Nashville
New
Price $975,000
Beds 2
Baths 2
Living Area SqFt 1,395
Status Active
MLS # 1903493
Property Type Condo
 

923a Gale Ln Nashville, TN 37204

Price $975,000
Beds 4
Baths 4
Living Area SqFt 3,853
Status Active
MLS # 1892634
Property Type Residential
 

1200 Sigler St Nashville, TN 37203

$975,000 - 6Br/7Ba -  for Sale in Sigler, Nashville
New
Price $975,000
Beds 6
Baths 7
Living Area SqFt 5,700
Status Active
MLS # 1903801
Property Type Residential
 

1010 Monroe Nashville, TN 37208

Price $974,900
Beds 4
Baths 5
Living Area SqFt 3,674
Status Active
MLS # 1867764
Property Type Residential
 

4004a Lealand Lane Nashville, TN 37204

Price $974,900
Beds 4
Baths 4
Living Area SqFt 4,142
Status Active
MLS # 1876992
Property Type Residential
 

3600 Bellwood Ave Nashville, TN 37205

Price $974,900
Beds 4
Baths 4
Living Area SqFt 3,220
Status Active
MLS # 1889332
Property Type Residential
 

1102 Caldwell Ave Nashville, TN 37204

Price $974,900
Beds 4
Baths 4
Living Area SqFt 3,592
Status Active
MLS # 1900695
Property Type Residential
 

744 Greeley Dr Nashville, TN 37205

Price $970,000
Beds 3
Baths 3
Living Area SqFt 4,409
Status Active
MLS # 1852614
Property Type Residential
 

1012 Monroe Nashville, TN 37208

Price $969,900
Beds 4
Baths 4
Living Area SqFt 3,753
Status Active
MLS # 1868120
Property Type Residential
 

3717 Princeton Ave Nashville, TN 37205

Price $969,000
Beds 3
Baths 3
Living Area SqFt 2,734
Status Active
MLS # 1874101
Property Type Residential
 

2003b Galbraith Dr Nashville, TN 37215

Price $968,500
Beds 4
Baths 5
Living Area SqFt 3,897
Status Active
MLS # 1882468
Property Type Residential
 

900 20th Ave S Nashville, TN 37212

Price $950,000
Beds 2
Baths 3
Living Area SqFt 2,071
Status Active
MLS # 1877109
Property Type Condo
 

1512 Bell Rd Nashville, TN 37211

Price $950,000
Living Area SqFt 3,352
Status Active
MLS # 1796603
Property Type Residential
 
 
 

4112 Brandywine Pointe Blvd Old Hickory, TN 37138

Price $950,000
Beds 5
Baths 6
Living Area SqFt 8,276
Status Active
MLS # 1863480
Property Type Residential
 

48 Concord Park E Nashville, TN 37205

Price $950,000
Beds 3
Baths 4
Living Area SqFt 4,694
Status Active
MLS # 1894967
Property Type Residential
 

163 Lelawood Cir Nashville, TN 37209

Price $950,000
Beds 4
Baths 4
Living Area SqFt 3,920
Status Active
MLS # 1898956
Property Type Residential
 

416 33rd Ave N Nashville, TN 37209

Price $950,000
Beds 3
Baths 4
Living Area SqFt 3,087
Status Active
MLS # 1899946
Property Type Residential
 

600 12th Ave S Apt 1501 Nashville, TN 37203

Price $949,900
Beds 2
Baths 2
Living Area SqFt 1,251
Status Active
MLS # 1901307
Property Type Condo
 

3705a Estes Rd Nashville, TN 37215

Price $949,900
Beds 5
Baths 4
Living Area SqFt 3,863
Status Active
MLS # 1875202
Property Type Residential
 

3705b Estes Rd Nashville, TN 37215

Price $949,900
Beds 5
Baths 4
Living Area SqFt 3,860
Status Active
MLS # 1875211
Property Type Residential
 

2258 Castleman Dr. Nashville, TN 37215

Price $949,900
Beds 4
Baths 4
Living Area SqFt 3,853
Status Active
MLS # 1876320
Property Type Residential
 

740 Darden Pl Nashville, TN 37205

Price $949,900
Beds 4
Baths 6
Living Area SqFt 5,215
Status Active Under Contract
MLS # 1892057
Property Type Residential
 

1212 Laurel St Apt 902 Nashville, TN 37203

Price $949,000
Beds 2
Baths 3
Living Area SqFt 1,563
Status Active Under Contract
MLS # 1849206
Property Type Condo
 

4411 Granny White Pike Nashville, TN 37204

Price $949,000
Beds 3
Baths 3
Living Area SqFt 3,801
Status Active Under Contract
MLS # 1878070
Property Type Residential
 

1003 Bate Ave Nashville, TN 37204

Price $949,000
Beds 5
Baths 4
Living Area SqFt 3,168
Status Active
MLS # 1891125
Property Type Residential
 

20 Rutledge St. #210 Nashville, TN 37210

Price $939,900
Beds 3
Baths 3
Living Area SqFt 1,903
Status Active
MLS # 1873903
Property Type Condo
 

3414b Hopkins St Nashville, TN 37215

Price $939,000
Beds 4
Baths 6
Living Area SqFt 3,626
Status Active Under Contract
MLS # 1892003
Property Type Residential
 

6329 Bresslyn Rd Nashville, TN 37205

Price $935,000
Beds 4
Baths 4
Living Area SqFt 3,841
Status Active
MLS # 1900765
Property Type Residential
 

4005 Nebraska Ave Nashville, TN 37209

Price $934,000
Beds 4
Baths 3
Living Area SqFt 3,228
Status Active Under Contract
MLS # 1871989
Property Type Residential
 

216 Cherokee Station Dr Nashville, TN 37209

Price $930,000
Beds 4
Baths 4
Living Area SqFt 3,352
Status Active
MLS # 1880614
Property Type Residential
 

3414a Hopkins St Nashville, TN 37215

Price $929,000
Beds 4
Baths 6
Living Area SqFt 3,626
Status Active Under Contract
MLS # 1892001
Property Type Residential
 

124 Allendale Dr Nashville, TN 37205

Price $926,000
Beds 5
Baths 4
Living Area SqFt 3,552
Status Active
MLS # 1887716
Property Type Residential
 

900 20th Ave South #902 S, Nashville

Price $925,000
Beds 2
Baths 2
Living Area SqFt 1,825
Status Active
MLS # 1902848
Property Type Condo
 

4509 Nevada Ave Nashville, TN 37209

Price $925,000
Beds 5
Baths 4
Living Area SqFt 3,582
Status Active
MLS # 1873136
Property Type Residential
 

839 Clayton Ave Nashville, TN 37204

$925,000 - 5Br/5Ba -  for Sale in 12 South, Nashville
Open House
Price $925,000
Beds 5
Baths 5
Living Area SqFt 3,690
Status Active
MLS # 1877031
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