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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4001 Ames Dr Nashville, TN 37218

Price $140,000
Beds 3
Baths 2
Living Area SqFt 1,350
Status Active
MLS # 1810900
Property Type Residential
 

306 Edwin St Nashville, TN 37207

Price $140,000
Beds 2
Baths 2
Living Area SqFt 1,082
Status Active
MLS # 1811928
Property Type Residential
 

3028 Barbara Lynn Way Nashville, TN 37207

Price $139,900
Beds 3
Baths 2
Living Area SqFt 1,200
Status Active
MLS # 1782317
Property Type Residential
 

210 Old Hickory Blvd Apt 5 Nashville, TN 37221

Price $139,900
Beds 2
Baths 2
Living Area SqFt 1,116
Status Active
MLS # 1807101
Property Type Condo
 

3229 Anderson Rd Antioch, TN 37013

Price $139,900
Beds 2
Baths 3
Living Area SqFt 1,292
Status Active
MLS # 1808300
Property Type Residential
 

1405 Pleasant Ridge Rd Antioch, TN 37013

Price $139,900
Beds 2
Baths 3
Living Area SqFt 1,312
Status Active
MLS # 1812681
Property Type Condo
 

673 Revels Dr Nashville, TN 37207

Price $139,900
Beds 3
Baths 2
Living Area SqFt 1,344
Status Active
MLS # 1814648
Property Type Residential
 

515 Basswood Ave Nashville, TN 37209

$139,900 - 2Br/1Ba -  for Sale in Rock Harbor, Nashville
New
Price $139,900
Beds 2
Baths 1
Living Area SqFt 968
Status Active
MLS # 1820559
Property Type Condo
 

5170 Hickory Hollow Pkwy Antioch, TN 37013

$139,000 - 2Br/3Ba -  for Sale in Mill Park, Antioch
New
Price $139,000
Beds 2
Baths 3
Living Area SqFt 1,280
Status Active
MLS # 1820481
Property Type Condo
 

5510 Country Dr Nashville, TN 37211

Price $136,900
Beds 3
Baths 3
Living Area SqFt 1,426
Status Active
MLS # 1818239
Property Type Condo
 

505 Galesburg Ct Nashville, TN 37217

Price $135,000
Beds 4
Baths 2
Living Area SqFt 1,802
Status Active
MLS # 1800600
Property Type Residential
 

311 Lakebrink Dr Nashville, TN 37214

Price $135,000
Beds 2
Baths 2
Living Area SqFt 1,156
Status Active
MLS # 1817441
Property Type Condo
 

1234 Bessie Ave Nashville, TN 37207

Price $135,000
Beds 2
Baths 1
Living Area SqFt 1,000
Status Active
MLS # 1817497
Property Type Residential
 

810 Bellevue Rd Apt 167 Nashville, TN 37221

Price $131,000
Beds 2
Baths 2
Living Area SqFt 1,094
Status Active
MLS # 1817997
Property Type Condo
 

4031 Church St Old Hickory, TN 37138

Price $130,000
Beds 2
Baths 2
Living Area SqFt 823
Status Active
MLS # 1814391
Property Type Residential
 

810 Bellevue Rd Apt 153 Nashville, TN 37221

Price $130,000
Beds 2
Baths 2
Living Area SqFt 1,058
Status Active
MLS # 1817245
Property Type Condo
 

333 S Shore Dr Antioch, TN 37013

$130,000 - 3Br/2Ba -  for Sale in South Shore, Antioch
New
Price $130,000
Beds 3
Baths 2
Living Area SqFt 1,344
Status Active
MLS # 1819675
Property Type Residential
 

1508 Meridian St Nashville, TN 37207

Price $129,900
Beds 2
Baths 1
Living Area SqFt 1,184
Status Active
MLS # 1715086
Property Type Residential
 

1050 Heritage Dr Madison, TN 37115

Price $129,900
Beds 3
Baths 2
Living Area SqFt 1,378
Status Active
MLS # 1812372
Property Type Condo
 

5170 Hickory Hollow Pkwy Antioch, TN 37013

Price $129,900
Beds 2
Baths 3
Living Area SqFt 1,240
Status Active
MLS # 1813376
Property Type Condo
 

4922 Olivia Dr Antioch, TN 37013

Price $129,900
Beds 2
Baths 1
Living Area SqFt 1,020
Status Active
MLS # 1814734
Property Type Residential
 

242 Lovell St Madison, TN 37115

Price $129,900
Beds 3
Baths 1
Living Area SqFt 1,059
Status Active
MLS # 1815843
Property Type Residential
 

500 Paragon Mills Rd Apt H1 Nashville, TN 37211

Price $129,900
Beds 2
Baths 2
Living Area SqFt 1,148
Status Active
MLS # 1815934
Property Type Condo
 

113 Mcmurray Cir Nashville, TN 37211

Price $129,900
Beds 2
Baths 2
Living Area SqFt 1,109
Status Active
MLS # 1816281
Property Type Condo
 

4013 Fairview Dr. Nashville, TN 37218

Price $129,900
Beds 2
Baths 1
Living Area SqFt 768
Status Active
MLS # 1816756
Property Type Residential
 

1422 Mohawk Trl Madison, TN 37115

Price $129,900
Beds 3
Baths 2
Living Area SqFt 922
Status Active
MLS # 1818377
Property Type Residential
 

3821 Hydes Ferry Rd Nashville, TN 37218

Price $129,000
Beds 2
Baths 1
Living Area SqFt 1,024
Status Active
MLS # 1789765
Property Type Residential
 

308 Hickory Pl Nashville, TN 37214

Price $129,000
Beds 2
Baths 3
Living Area SqFt 1,178
Status Active
MLS # 1809058
Property Type Condo
 

1220 Idlewild Pl Madison, TN 37115

Price $127,500
Beds 3
Baths 2
Living Area SqFt 1,092
Status Active
MLS # 1805106
Property Type Residential
 

3102 Esther Nashville, TN 37218

Price $125,900
Beds 2
Baths 1
Living Area SqFt 1,268
Status Active
MLS # 1787441
Property Type Residential
 

108 Lewis St Nashville, TN 37210

Price $125,000
Beds 2
Baths 2
Living Area SqFt 966
Status Active
MLS # 1756896
Property Type Residential
 

729 Willow Trace Dr Whites Creek, TN 37189

Price $125,000
Beds 3
Baths 2
Living Area SqFt 1,076
Status Active
MLS # 1781114
Property Type Residential
 

550 Harding Pl Apt B111 Nashville, TN 37211

Price $125,000
Beds 2
Baths 2
Living Area SqFt 1,044
Status Active
MLS # 1803604
Property Type Condo
 

2962 Baby Ruth Ln Unit 8 Antioch, TN 37013

Price $124,900
Beds 2
Baths 3
Living Area SqFt 1,452
Status Active
MLS # 1808093
Property Type Condo
 

2333 Benay Rd Nashville, TN 37214

Price $124,900
Beds 2
Baths 1
Living Area SqFt 800
Status Active
MLS # 1812070
Property Type Residential
 

407 Raintree Pl Hermitage, TN 37076

Price $124,900
Beds 2
Baths 2
Living Area SqFt 1,350
Status Active
MLS # 1812172
Property Type Condo
 

172 Heritage Trace Dr Madison, TN 37115

Price $123,500
Beds 2
Baths 2
Living Area SqFt 1,152
Status Active
MLS # 1814196
Property Type Condo
 

815 Ashlawn Pl Nashville, TN 37211

$123,000 - 2Br/1Ba -  for Sale in Ashlawn Place, Nashville
New
Price $123,000
Beds 2
Baths 1
Living Area SqFt 918
Status Active
MLS # 1820605
Property Type Condo
 

429 Raintree Pl Hermitage, TN 37076

Price $122,900
Beds 4
Baths 3
Living Area SqFt 1,912
Status Active
MLS # 1812447
Property Type Condo
 

1602 Knowles St Nashville, TN 37208

Price $120,000
Beds 2
Baths 1
Living Area SqFt 858
Status Active
MLS # 1783085
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 Willoughby

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