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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626 Philwood Dr Nashville, TN 37214

Price $217,900
Beds 3
Baths 2
Living Area SqFt 1,198
Status Active
MLS # 1870030
Property Type Residential
 

3769 Waterford Way Antioch, TN 37013

$217,000 - 3Br/2Ba -  for Sale in Chatham Pointe, Antioch
Open House
New
Price $217,000
Beds 3
Baths 2
Living Area SqFt 1,833
Status Active
MLS # 1872756
Property Type Residential
 

1603 Lincoya Bay Dr Nashville, TN 37214

Price $215,900
Beds 3
Baths 3
Living Area SqFt 1,712
Status Active
MLS # 1867046
Property Type Condo
 

5510 Hamilton Circle Antioch, TN 37013

Price $215,300
Beds 3
Baths 3
Living Area SqFt 1,641
Status Active
MLS # 1865273
Property Type Condo
 

5512 Hamilton Circle Antioch, TN 37013

Price $215,300
Beds 3
Baths 3
Living Area SqFt 1,641
Status Active
MLS # 1868725
Property Type Condo
 

4325 Ashland City Hwy #11 Nashville, TN 37218

Price $215,000
Beds 2
Baths 3
Living Area SqFt 1,123
Status Active Under Contract
MLS # 1745349
Property Type Condo
 

207 Northcrest Commons Cir Nashville, TN 37211

Price $215,000
Beds 3
Baths 3
Living Area SqFt 1,504
Status Active
MLS # 1869681
Property Type Condo
 

3121 Demetros Pl Nashville, TN 37217

Price $215,000
Beds 4
Baths 3
Living Area SqFt 2,054
Status Active Under Contract
MLS # 1818268
Property Type Residential
 

757 May Dr Madison, TN 37115

Price $215,000
Beds 3
Baths 3
Living Area SqFt 1,335
Status Active
MLS # 1849944
Property Type Residential
 

200 Retreat Ct W Hermitage, TN 37076

Price $215,000
Beds 3
Baths 2
Living Area SqFt 1,500
Status Active Under Contract
MLS # 1859897
Property Type Residential
 

4400 Illinois Ave Nashville, TN 37209

Price $215,000
Beds 2
Baths 1
Living Area SqFt 802
Status Active Under Contract
MLS # 1863742
Property Type Residential
 

1529 Overcreek Drive Nashville, TN 37217

Price $215,000
Beds 4
Baths 3
Living Area SqFt 1,844
Status Active Under Contract
MLS # 1863992
Property Type Residential
 

1253 Shawnee Rd Madison, TN 37115

Price $215,000
Beds 3
Baths 3
Living Area SqFt 1,482
Status Active Under Contract
MLS # 1864048
Property Type Residential
 

1514 Litton Ave Nashville, TN 37216

Price $215,000
Beds 2
Baths 1
Living Area SqFt 856
Status Active
MLS # 1865579
Property Type Residential
 

5713 Brentwood Meadows Cir Brentwood, TN 37027

Price $215,000
Beds 2
Baths 3
Living Area SqFt 1,236
Status Active Under Contract
MLS # 1865822
Property Type Residential
 

516 Waterford Pl Antioch, TN 37013

Price $215,000
Beds 3
Baths 2
Living Area SqFt 1,947
Status Active Under Contract
MLS # 1866225
Property Type Residential
 

123 Cherokee Pl Nashville, TN 37211

Price $215,000
Beds 3
Baths 2
Living Area SqFt 2,000
Status Active
MLS # 1868064
Property Type Residential
 

2816 Evergreen Ridge Pt Nashville, TN 37217

Price $215,000
Beds 3
Baths 2
Living Area SqFt 1,353
Status Active
MLS # 1869899
Property Type Residential
 

3128 Stoney Brook Cir Antioch, TN 37013

$215,000 - 3Br/2Ba -  for Sale in Towne Village Of The Count, Antioch
New
Price $215,000
Beds 3
Baths 2
Living Area SqFt 1,685
Status Active
MLS # 1873266
Property Type Residential
 

2525 Bethwood Dr Nashville, TN 37207

Price $214,944
Beds 3
Baths 1
Living Area SqFt 1,024
Status Active
MLS # 1850199
Property Type Residential
 

120 Lakeside Ct Hermitage, TN 37076

Price $214,941
Beds 3
Baths 2
Living Area SqFt 1,267
Status Active Under Contract
MLS # 1862715
Property Type Residential
 

2243 Kline Ave Nashville, TN 37211

Price $214,900
Beds 3
Baths 1
Living Area SqFt 1,557
Status Active
MLS # 1866278
Property Type Residential
 

200 Glenrose Ct Nashville, TN 37210

Price $214,900
Beds 4
Baths 2
Living Area SqFt 1,400
Status Active
MLS # 1869091
Property Type Residential
 

3247 Cloverwood Dr Nashville, TN 37214

Price $214,900
Beds 4
Baths 2
Living Area SqFt 1,612
Status Active Under Contract
MLS # 1869888
Property Type Residential
 

3820 Ridgeside Dr Nashville, TN 37207

Price $212,900
Beds 3
Baths 2
Living Area SqFt 1,092
Status Active
MLS # 1846981
Property Type Residential
 

559 Griffin Cir Hermitage, TN 37076

Price $212,000
Beds 3
Baths 3
Living Area SqFt 1,764
Status Active Under Contract
MLS # 1867002
Property Type Condo
 

3806 Sentinel Dr Nashville, TN 37209

Price $212,000
Beds 2
Baths 1
Living Area SqFt 744
Status Active Under Contract
MLS # 1853911
Property Type Residential
 

949 Mallow Dr Madison, TN 37115

Price $210,900
Beds 3
Baths 3
Living Area SqFt 1,104
Status Active
MLS # 1862543
Property Type Residential
 

117 Northcrest Commons Cir Nashville, TN 37211

Price $210,000
Beds 3
Baths 3
Living Area SqFt 1,282
Status Active
MLS # 1872146
Property Type Condo
 

808 Cainbrook Ct Antioch, TN 37013

Price $210,000
Beds 3
Baths 3
Living Area SqFt 1,308
Status Active
MLS # 1837306
Property Type Residential
 

1305 Cadogan Way Antioch, TN 37013

Price $210,000
Beds 3
Baths 3
Living Area SqFt 2,112
Status Active Under Contract
MLS # 1843908
Property Type Residential
 

3036 Runabout Dr Nashville, TN 37217

Price $210,000
Beds 5
Baths 3
Living Area SqFt 2,639
Status Active Under Contract
MLS # 1847406
Property Type Residential
 

2721 Mossdale Dr Nashville, TN 37217

Price $210,000
Beds 3
Baths 2
Living Area SqFt 1,779
Status Active Under Contract
MLS # 1865818
Property Type Residential
 

4611 Conway Ct Old Hickory, TN 37138

Price $210,000
Beds 3
Baths 3
Living Area SqFt 1,570
Status Active
MLS # 1871800
Property Type Residential
 

1404 Crockett Ct Nashville, TN 37207

$210,000 - 4Br/2Ba -  for Sale in Lischey Gardens, Nashville
New
Price $210,000
Beds 4
Baths 2
Living Area SqFt 1,423
Status Active
MLS # 1872330
Property Type Residential
 

2605 Mesa Dr Nashville, TN 37217

$210,000 - 3Br/2Ba -  for Sale in Nashboro Woods, Nashville
New
Price $210,000
Beds 3
Baths 2
Living Area SqFt 1,594
Status Active
MLS # 1873253
Property Type Residential
 

5500 Hamilton Circle Antioch, TN 37013

Price $209,900
Beds 2
Baths 3
Living Area SqFt 1,486
Status Active
MLS # 1836604
Property Type Condo
 

6666 Brookmont Terrace Nashville, TN 37205

Price $209,900
Beds 2
Baths 2
Living Area SqFt 1,332
Status Active
MLS # 1855743
Property Type Condo
 

121 Neelys Bend Rd Madison, TN 37115

Price $209,900
Beds 2
Baths 1
Living Area SqFt 1,028
Status Active
MLS # 1850047
Property Type Residential
 

3823 Pacifica Dr Hermitage, TN 37076

Price $209,900
Beds 3
Baths 2
Living Area SqFt 1,722
Status Active Under Contract
MLS # 1852090
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