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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4003b Woodmont Blvd Nashville, TN 37205

Price $1,099,900
Beds 4
Baths 4
Living Area SqFt 3,236
Status Active
MLS # RTC2117019
 
 
 

3419a Hopkins St Nashville, TN 37215

Price $1,099,000
Beds 4
Baths 5
Living Area SqFt 3,861
Status Under Contract - Not Showing
MLS # RTC2056241
 
 
 

1905 Sevier Street Nashville, TN 37206

Price $1,097,000
Beds 5
Baths 5
Living Area SqFt 3,667
Status Active
MLS # RTC2087808
 
 
 

6607 Fox Hollow Rd Nashville, TN 37205

Price $1,090,000
Beds 5
Baths 4
Living Area SqFt 4,397
Status Active
MLS # RTC2118958
 
 
 

90 Glenrock Dr Nashville, TN 37221

Price $1,085,000
Beds 5
Baths 6
Living Area SqFt 3,730
Status Active
MLS # RTC2115718
 
 
 

3210 Long Blvd #202 Nashville, TN 37203

Price $1,075,000
Beds 3
Baths 4
Living Area SqFt 3,522
Status Under Contract - Not Showing
MLS # RTC2027632
 
 
 

3411a Benham Ave Nashville, TN 37215

Price $1,075,000
Beds 5
Baths 5
Living Area SqFt 3,898
Status Under Contract - Not Showing
MLS # RTC2082858
 
 
 

5100 Boxcroft Pl Nashville, TN 37205

Price $1,075,000
Beds 4
Baths 5
Living Area SqFt 3,608
Status Active
MLS # RTC2104348
 
 
 

4101 Utah Ave Nashville, TN 37209

Price $1,075,000
Beds 4
Baths 4
Living Area SqFt 3,759
Status Active
MLS # RTC2113185
 
 
 

1111a Biltmore Dr Nashville, TN 37204

Price $1,075,000
Beds 5
Baths 4
Living Area SqFt 4,449
Status Active
MLS # RTC2121057
 
 
 

1130 Glendale Nashville, TN 37204

Price $1,070,000
Beds 5
Baths 4
Living Area SqFt 4,079
Status Under Contract - Not Showing
MLS # RTC2097567
 
 
 

6122 Hill Circle Dr Nashville, TN 37209

Price $1,059,900
Beds 5
Baths 6
Living Area SqFt 4,242
Status Active
MLS # RTC2101941
 
 
 

142 39th Ave N Nashville, TN 37209

$1,055,000 - 4Br/6Ba -  for Sale in Sylvan Park, Nashville
New
Price $1,055,000
Beds 4
Baths 6
Living Area SqFt 3,689
Status Active
MLS # RTC2121163
 
 
 

823 Summerly Dr Nashville, TN 37209

Price $1,050,000
Beds 4
Baths 4
Living Area SqFt 3,980
Status Active
MLS # RTC2119805
 
 
 

900 20th Ave S Apt 1315 Nashville, TN 37212

Price $1,049,000
Beds 2
Baths 3
Living Area SqFt 1,586
Status Active
MLS # RTC2056829
 
 
 

614 Monroe St Nashville, TN 37208

Price $1,049,000
Beds 3
Baths 4
Living Area SqFt 2,563
Status Active
MLS # RTC2119193
 
 
 

4108 Wyoming Ave Nashville, TN 37209

Price $1,049,000
Beds 4
Baths 7
Living Area SqFt 3,632
Status Active
MLS # RTC2119446
 
 
 

140 Prospect Hill Nashville, TN 37205

Price $1,045,000
Beds 4
Baths 7
Living Area SqFt 5,304
Status Active
MLS # RTC2059199
 
 
 

1200 Parkview Cir Nashville, TN 37204

Price $1,045,000
Beds 4
Baths 5
Living Area SqFt 3,670
Status Active
MLS # RTC2085195
 
 
 

1202 Parkview Cir Nashville, TN 37204

Price $1,045,000
Beds 4
Baths 5
Living Area SqFt 3,670
Status Active
MLS # RTC2085200
 
 
 

2202 Hobbs Rd Nashville, TN 37215

Price $1,040,000
Beds 4
Baths 5
Living Area SqFt 3,741
Status Active
MLS # RTC2112891
 
 
 

3131a Parthenon Ave Nashville, TN 37203

Price $1,029,000
Beds 3
Baths 3
Living Area SqFt 2,800
Status Active
MLS # RTC2113388
 
 
 

3131d Parthenon Ave Nashville, TN 37203

Price $1,029,000
Beds 3
Baths 3
Living Area SqFt 2,800
Status Active
MLS # RTC2113391
 
 
 

3207 Long Blvd Nashville, TN 37203

Price $1,025,000
Beds 4
Baths 2
Living Area SqFt 1,846
Status Active
MLS # RTC2043168
 
 
 

3606b West End Ave (#112) Nashville, TN 37205

Price $1,024,110
Beds 3
Baths 4
Living Area SqFt 3,074
Status Under Contract - Not Showing
MLS # RTC2029152
 
 
 

201 Meriwether Blvd Lot 150 Nashville, TN 37221

Price $1,020,561
Beds 4
Baths 4
Living Area SqFt 3,580
Status Under Contract - Not Showing
MLS # RTC2074576
 
 
 

132 Glenrock Dr Nashville, TN 37221

Price $1,020,000
Beds 3
Baths 4
Living Area SqFt 3,771
Status Under Contract - Not Showing
MLS # RTC2121103
 
 
 

515 Church Street #3908 Unit 3908, Nashville

Price $1,005,000
Beds 2
Baths 2
Living Area SqFt 1,075
Status Under Contract - Not Showing
MLS # RTC1962441
 
 
 

550 Little Channing Way Nashville, TN 37212

Price $1,000,000
Beds 3
Baths 4
Living Area SqFt 2,741
Status Active
MLS # RTC2089884
 
 
 

43b Jones Circle Unit B Old Hickory, TN 37138

Price $1,000,000
Living Area SqFt 2,987
Status Under Contract - Not Showing
MLS # RTC2103983
 
 
 
 
 

5409 Cochran Dr Nashville, TN 37220

Price $1,000,000
Beds 3
Baths 3
Living Area SqFt 4,286
Status Active
MLS # RTC2110681
 
 
 

900 Ramsey St Nashville, TN 37206

Price $1,000,000
Beds 3
Baths 2
Living Area SqFt 2,200
Status Active
MLS # RTC2121610
 
 
 

4037 Westlawn Dr Nashville, TN 37209

Price $999,900
Beds 4
Baths 3
Living Area SqFt 3,244
Status Active
MLS # RTC2086837
 
 
 

1923a Castleman Dr Nashville, TN 37215

Price $999,900
Beds 4
Baths 5
Living Area SqFt 3,606
Status Active
MLS # RTC2118343
 
 
 

1018b Downey Dr Nashville, TN 37205

Price $999,783
Beds 4
Baths 5
Living Area SqFt 3,999
Status Active
MLS # RTC2111496
 
 
 

4213b Farrar Ave Nashville, TN 37215

Price $999,500
Beds 4
Baths 4
Living Area SqFt 3,799
Status Active
MLS # RTC2094130
 
 
 

2807 Delaware Ave Nashville, TN 37209

Price $999,000
Beds 5
Baths 5
Living Area SqFt 2,712
Status Under Contract - Not Showing
MLS # RTC1959474
 
 
 

327 Whitworth Way Nashville, TN 37205

Price $999,000
Beds 6
Baths 5
Living Area SqFt 5,858
Status Active
MLS # RTC2052113
 
 
 

3131b Parthenon Ave Nashville, TN 37203

Price $999,000
Beds 3
Baths 3
Living Area SqFt 2,800
Status Active
MLS # RTC2113382
 
 
 

3131c Parthenon Ave Nashville, TN 37203

Price $999,000
Beds 3
Baths 3
Living Area SqFt 2,800
Status Active
MLS # RTC2113386
 
 
 

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