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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1924 Grants Pass Madison, TN 37115

Price $205,000
Beds 3
Baths 3
Living Area SqFt 1,680
Status Active Under Contract
MLS # 1831308
Property Type Residential
 

1464 Autumn Knl Hermitage, TN 37076

Price $205,000
Beds 3
Baths 2
Living Area SqFt 1,898
Status Active Under Contract
MLS # 1832405
Property Type Residential
 

2538 Stinson Rd Nashville, TN 37214

Price $205,000
Beds 2
Baths 1
Living Area SqFt 1,140
Status Active Under Contract
MLS # 1832918
Property Type Residential
 

161 Scalf Dr Madison, TN 37115

Price $204,999
Beds 3
Baths 2
Living Area SqFt 1,256
Status Active
MLS # 1823562
Property Type Residential
 

1118 Litton Avenue A1007 Nashville, TN 37216

$204,900 - 1Br/1Ba -  for Sale in Solo East, Nashville
Open House
Price $204,900
Beds 1
Baths 1
Living Area SqFt 753
Status Active
MLS # 1836494
Property Type Condo
 

125 Anton Dr Nashville, TN 37211

Price $204,900
Beds 3
Baths 3
Living Area SqFt 1,704
Status Active
MLS # 1820576
Property Type Residential
 

643 Gibson Drive Madison, TN 37115

Price $204,900
Beds 3
Baths 3
Living Area SqFt 2,000
Status Active Under Contract
MLS # 1827186
Property Type Residential
 

3866 Hutson Ave Nashville, TN 37216

Price $204,900
Beds 4
Baths 2
Living Area SqFt 1,400
Status Active
MLS # 1830488
Property Type Residential
 

3344 Oak Timber Drive Antioch, TN 37013

Price $203,000
Beds 3
Baths 2
Living Area SqFt 1,266
Status Active Under Contract
MLS # 1830322
Property Type Residential
 

2116 Hobbs Rd Apt N4 Nashville, TN 37215

Price $200,000
Beds 1
Baths 1
Living Area SqFt 748
Status Active
MLS # 1827758
Property Type Condo
 

1124 32nd Ave North Nashville, TN 37209

Price $200,000
Beds 3
Baths 2
Living Area SqFt 969
Status Active
MLS # 1718439
Property Type Residential
 

1736 Knowles St Nashville, TN 37208

Price $200,000
Beds 4
Baths 1
Living Area SqFt 2,460
Status Active
MLS # 1799547
Property Type Residential
 

1109 Pin Oak Dr Antioch, TN 37013

Price $200,000
Beds 3
Baths 3
Living Area SqFt 1,719
Status Active Under Contract
MLS # 1803358
Property Type Residential
 

732 Post Oak Dr Antioch, TN 37013

Price $200,000
Beds 3
Baths 2
Living Area SqFt 1,294
Status Active Under Contract
MLS # 1828829
Property Type Residential
 

895 Connelly Dr Nashville, TN 37217

Price $200,000
Beds 3
Baths 2
Living Area SqFt 1,184
Status Active Under Contract
MLS # 1832780
Property Type Residential
 

104 Bess Ct N Antioch, TN 37013

$200,000 - 3Br/2Ba -  for Sale in Bess Estates, Antioch
Open House
New
Price $200,000
Beds 3
Baths 2
Living Area SqFt 1,776
Status Active
MLS # 1839290
Property Type Residential
 

2726 Union Hill Rd Joelton, TN 37080

$200,000 - 3Br/2Ba -  for Sale in None, Joelton
New
Price $200,000
Beds 3
Baths 2
Living Area SqFt 1,601
Status Active
MLS # 1839320
Property Type Residential
 

5015 John Hager Rd Hermitage, TN 37076

Price $199,999
Beds 2
Baths 1
Living Area SqFt 1,475
Status Active Under Contract
MLS # 1822620
Property Type Residential
 

1600 Knowles St Nashville, TN 37208

Price $199,999
Beds 3
Baths 3
Living Area SqFt 1,532
Status Active
MLS # 1830157
Property Type Residential
 

2025 Woodmont Blvd Apt 331 Nashville, TN 37215

Price $199,998
Beds 1
Baths 1
Living Area SqFt 747
Status Active Under Contract
MLS # 1825182
Property Type Condo
 

1118 Litton Avenue A2004 Nashville, TN 37216

$199,900 - 1Br/1Ba -  for Sale in Solo East, Nashville
Open House
Price $199,900
Beds 1
Baths 1
Living Area SqFt 780
Status Active
MLS # 1815408
Property Type Condo
 

6958 Highland Park Dr Nashville, TN 37205

Price $199,900
Beds 4
Baths 3
Living Area SqFt 2,412
Status Active Under Contract
MLS # 1823360
Property Type Condo
 

306 Mapleton Aly Hermitage, TN 37076

Price $199,900
Beds 2
Baths 3
Living Area SqFt 1,216
Status Active Under Contract
MLS # 1832936
Property Type Condo
 

401 Sloan Rd Nashville, TN 37209

Price $199,900
Beds 1
Baths 1
Living Area SqFt 896
Status Active Under Contract
MLS # 1835122
Property Type Condo
 

1122 Litton Avenue #308 Nashville, TN 37206

Price $199,900
Beds 1
Baths 1
Living Area SqFt 714
Status Active
MLS # 1836813
Property Type Condo
 

469 Roger Williams Ave Nashville, TN 37207

Price $199,900
Beds 3
Baths 2
Living Area SqFt 1,032
Status Active
MLS # 1782610
Property Type Residential
 

215 Lucky Dr Nashville, TN 37211

Price $199,900
Beds 4
Baths 2
Living Area SqFt 1,650
Status Active Under Contract
MLS # 1798201
Property Type Residential
 

4823 Grinstead Pl Nashville, TN 37216

Price $199,900
Beds 3
Baths 2
Living Area SqFt 1,250
Status Active
MLS # 1803929
Property Type Residential
 

1621 21st Ave N Nashville, TN 37208

Price $199,900
Beds 3
Baths 2
Living Area SqFt 1,144
Status Active Under Contract
MLS # 1817784
Property Type Residential
 

1208 Ainlay Dr Nashville, TN 37217

Price $199,900
Beds 3
Baths 2
Living Area SqFt 1,048
Status Active Under Contract
MLS # 1821272
Property Type Residential
 

7217 Legacy Dr Antioch, TN 37013

Price $199,900
Beds 3
Baths 3
Living Area SqFt 1,606
Status Active Under Contract
MLS # 1829225
Property Type Residential
 

10 Decatur St Nashville, TN 37210

Price $199,900
Beds 3
Baths 3
Living Area SqFt 1,344
Status Active
MLS # 1829969
Property Type Residential
 

335 Bonnavue Dr Hermitage, TN 37076

Price $199,900
Beds 3
Baths 2
Living Area SqFt 1,971
Status Active Under Contract
MLS # 1830533
Property Type Residential
 

2832 Emery Dr Nashville, TN 37214

Price $199,900
Beds 3
Baths 2
Living Area SqFt 1,482
Status Active Under Contract
MLS # 1830604
Property Type Residential
 

1404 Sevier Ct Nashville, TN 37206

$199,900 - 2Br/1Ba -  for Sale in Shelby Village, Nashville
Open House
Price $199,900
Beds 2
Baths 1
Living Area SqFt 900
Status Active
MLS # 1830872
Property Type Residential
 

4761 Kennysaw Dr Old Hickory, TN 37138

Price $199,900
Beds 3
Baths 3
Living Area SqFt 2,108
Status Active Under Contract
MLS # 1832141
Property Type Residential
 

1405 Tempany Ct Nashville, TN 37207

Price $199,900
Beds 3
Baths 2
Living Area SqFt 1,050
Status Active
MLS # 1833337
Property Type Residential
 

222 Larkin Springs Rd Madison, TN 37115

Price $199,900
Beds 4
Baths 2
Living Area SqFt 1,350
Status Active
MLS # 1834833
Property Type Residential
 

527 Glengarry Dr Nashville, TN 37217

Price $199,900
Beds 3
Baths 2
Living Area SqFt 1,482
Status Active Under Contract
MLS # 1836165
Property Type Residential
 

606 Maple Top Dr Antioch, TN 37013

Price $199,900
Beds 4
Baths 2
Living Area SqFt 1,400
Status Active Under Contract
MLS # 1837346
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