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.

Search All Nashville Listings

* Separate multiple values with comma.

Sort by:

2105 Courtney Ave Nashville, TN 37218

$199,900 - 4Br/1Ba -  for Sale in Bordeaux, Nashville
New
Price $199,900
Beds 4
Baths 1
Living Area SqFt 2,048
Status Active
MLS # 1888255
Property Type Residential
 

214 Old Hickory Blvd Nashville, TN 37221

Price $199,500
Beds 2
Baths 2
Living Area SqFt 1,050
Status Active
MLS # 1882829
Property Type Condo
 

439 Westfield Dr Nashville, TN 37221

Price $199,000
Beds 2
Baths 3
Living Area SqFt 1,254
Status Active
MLS # 1884512
Property Type Condo
 

4810 Apollo Dr Antioch, TN 37013

Price $199,000
Beds 4
Baths 4
Living Area SqFt 1,901
Status Active
MLS # 1869873
Property Type Residential
 

230 Wilowen Dr Nashville, TN 37210

Price $199,000
Beds 3
Baths 2
Living Area SqFt 2,168
Status Active Under Contract
MLS # 1875463
Property Type Residential
 

2113 Lombardia Ct Madison, TN 37115

Price $199,000
Beds 3
Baths 2
Living Area SqFt 1,405
Status Active Under Contract
MLS # 1876640
Property Type Residential
 

609d Rosebank Ave Nashville, TN 37206

Price $199,000
Beds 2
Baths 1
Living Area SqFt 817
Status Active Under Contract
MLS # 1877717
Property Type Residential
 

3797 Lunn Dr Nashville, TN 37218

Price $199,000
Beds 4
Baths 3
Living Area SqFt 3,153
Status Active Under Contract
MLS # 1884396
Property Type Residential
 

4314 Old Hickory Blvd Old Hickory, TN 37138

Price $199,000
Beds 3
Baths 1
Living Area SqFt 1,279
Status Active
MLS # 1887170
Property Type Residential
 

934 Sharpe Ave Nashville, TN 37206

$199,000 - 2Br/1Ba -  for Sale in W H Hyronemus, Nashville
New
Price $199,000
Beds 2
Baths 1
Living Area SqFt 704
Status Active
MLS # 1888117
Property Type Residential
 

206 Nesbitt Ln Madison, TN 37115

Price $198,900
Beds 3
Baths 2
Living Area SqFt 1,000
Status Active
MLS # 1857787
Property Type Residential
 

210 Becklea Dr Madison, TN 37115

Price $198,900
Beds 3
Baths 2
Living Area SqFt 1,100
Status Active
MLS # 1875659
Property Type Residential
 

133 Karen Ray Ct Antioch, TN 37013

Price $198,900
Beds 3
Baths 1
Living Area SqFt 1,100
Status Active
MLS # 1885975
Property Type Residential
 

1817 Wild Oaks Ct Antioch, TN 37013

Price $198,500
Beds 2
Baths 3
Living Area SqFt 1,214
Status Active Under Contract
MLS # 1883056
Property Type Residential
 

309 Delvin Dr Nashville, TN 37211

Price $198,000
Beds 3
Baths 1
Living Area SqFt 975
Status Active Under Contract
MLS # 1886627
Property Type Residential
 

4010 Coleridge Dr Antioch, TN 37013

$198,000 - 3Br/2Ba -  for Sale in Colewood Acres, Antioch
New
Price $198,000
Beds 3
Baths 2
Living Area SqFt 1,800
Status Active Under Contract
MLS # 1887752
Property Type Residential
 

0 Lot 29 Westfield Place Woodbury, TN 37190

Price $197,900
Beds 3
Baths 2
Living Area SqFt 1,558
Status Active
MLS # 1877929
Property Type Residential
 

1421 Autumn Knoll Dr Hermitage, TN 37076

Price $195,900
Beds 3
Baths 2
Living Area SqFt 1,612
Status Active Under Contract
MLS # 1881595
Property Type Residential
 

1300a Chester Ave Nashville, TN 37206

Price $195,900
Beds 2
Baths 1
Living Area SqFt 750
Status Active
MLS # 1871335
Property Type Residential
 

1300b Chester Ave Nashville, TN 37206

Price $195,900
Beds 2
Baths 1
Living Area SqFt 750
Status Active
MLS # 1871336
Property Type Residential
 

305 Margo Lane Nashville, TN 37211

Price $195,900
Beds 3
Baths 1
Living Area SqFt 1,800
Status Active Under Contract
MLS # 1874593
Property Type Residential
 

2405 Lacy St Nashville, TN 37218

Price $195,500
Beds 3
Baths 2
Living Area SqFt 960
Status Active
MLS # 1815012
Property Type Residential
 

303 Villa Cir Lebanon, TN 37090

Price $195,000
Beds 3
Baths 4
Living Area SqFt 1,429
Status Active
MLS # 1885951
Property Type Condo
 

900 19th Ave S Apt 504 Nashville, TN 37212

Price $195,000
Beds 1
Baths 1
Living Area SqFt 550
Status Active
MLS # 1884830
Property Type Condo
 

2564 Willowbranch Dr. Lot 16b, Nashville

Price $195,000
Beds 3
Baths 3
Living Area SqFt 1,615
Status Active Under Contract
MLS # 1797854
Property Type Residential
 

2562 Willowbranch Dr. Lot 16a, Nashville

Price $195,000
Beds 3
Baths 3
Living Area SqFt 1,615
Status Active Under Contract
MLS # 1815705
Property Type Residential
 

111 Rolynn Dr Nashville, TN 37210

Price $195,000
Beds 3
Baths 1
Living Area SqFt 1,000
Status Active
MLS # 1860039
Property Type Residential
 

733 Walnut St Madison, TN 37115

Price $195,000
Beds 3
Baths 1
Living Area SqFt 1,290
Status Active Under Contract
MLS # 1861280
Property Type Residential
 

3703 Hilltop Ln Nashville, TN 37216

Price $195,000
Beds 2
Baths 1
Living Area SqFt 750
Status Active Under Contract
MLS # 1864565
Property Type Residential
 

2849 Rural Hill Circle Nashville, TN 37217

Price $195,000
Beds 3
Baths 2
Living Area SqFt 1,600
Status Active
MLS # 1870128
Property Type Residential
 

137 Hodge Ct Nashville, TN 37218

Price $195,000
Beds 3
Baths 2
Living Area SqFt 1,826
Status Active
MLS # 1883134
Property Type Residential
 

2106 Jones Cir Nashville, TN 37207

Price $195,000
Beds 2
Baths 1
Living Area SqFt 768
Status Active Under Contract
MLS # 1883423
Property Type Residential
 

2924 Wingate Ave Nashville, TN 37211

Price $195,000
Beds 2
Baths 1
Living Area SqFt 1,084
Status Active Under Contract
MLS # 1884679
Property Type Residential
 

635 Cheryl Ave Madison, TN 37115

Price $195,000
Beds 3
Baths 2
Living Area SqFt 1,176
Status Active
MLS # 1884929
Property Type Residential
 

637 Dutchmans Hermitage, TN 37076

Price $194,900
Beds 3
Baths 2
Living Area SqFt 1,348
Status Active Under Contract
MLS # 1881629
Property Type Residential
 

417 Patterson St Nashville, TN 37211

$194,900 - 2Br/1Ba -  for Sale in Patterson/maple Hill, Nashville
Open House
Price $194,900
Beds 2
Baths 1
Living Area SqFt 700
Status Active
MLS # 1886202
Property Type Residential
 

4536 Hamilton Ln Antioch, TN 37013

Price $193,000
Beds 3
Baths 2
Living Area SqFt 1,326
Status Active
MLS # 1879303
Property Type Residential
 

4800 Reeves Rd Antioch, TN 37013

Price $192,900
Beds 3
Baths 3
Living Area SqFt 1,404
Status Active Under Contract
MLS # 1880243
Property Type Residential
 

2560 Willowbranch Dr. Lot #15b Nashville, TN 37217

Price $191,900
Beds 3
Baths 3
Living Area SqFt 1,615
Status Active Under Contract
MLS # 1783277
Property Type Residential
 

429 Rockwood Drive Hermitage, TN 37076

Price $190,000
Beds 4
Baths 3
Living Area SqFt 1,982
Status Active
MLS # 1881017
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