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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609 Sweetwater Cir Old Hickory, TN 37138

Price $245,000
Beds 3
Baths 3
Living Area SqFt 1,703
Status Active Under Contract
MLS # 1910269
Property Type Residential
 

805 Broadmoor Dr Nashville, TN 37216

Price $245,000
Beds 2
Baths 1
Living Area SqFt 1,223
Status Active Under Contract
MLS # 1921647
Property Type Residential
 

214 Berry St Nashville, TN 37207

Price $245,000
Beds 3
Baths 2
Living Area SqFt 1,311
Status Active Under Contract
MLS # 1926083
Property Type Residential
 

9212 Thomason Trl Antioch, TN 37013

Price $245,000
Beds 3
Baths 2
Living Area SqFt 1,664
Status Active Under Contract
MLS # 1926420
Property Type Residential
 

781 Dover Glen Antioch, TN 37013

Price $245,000
Beds 3
Baths 2
Living Area SqFt 1,780
Status Active
MLS # 1928576
Property Type Residential
 

626 James Ave Nashville, TN 37209

Price $245,000
Beds 2
Baths 1
Living Area SqFt 704
Status Active
MLS # 1929680
Property Type Residential
 

428 Bowling Ave Nashville, TN 37205

Price $244,900
Beds 2
Baths 1
Living Area SqFt 919
Status Active
MLS # 1923736
Property Type Condo
 

1460 Autumn Knl Hermitage, TN 37076

Price $244,900
Beds 4
Baths 2
Living Area SqFt 2,820
Status Active Under Contract
MLS # 1913654
Property Type Residential
 

1100 Dew St Nashville, TN 37206

Price $244,900
Beds 2
Baths 1
Living Area SqFt 792
Status Active
MLS # 1920261
Property Type Residential
 

3139 Larkspur Dr Nashville, TN 37207

Price $244,900
Beds 3
Baths 2
Living Area SqFt 1,940
Status Active
MLS # 1920805
Property Type Residential
 

122 Rayon Dr Old Hickory, TN 37138

Price $244,900
Beds 4
Baths 2
Living Area SqFt 1,668
Status Active Under Contract
MLS # 1926335
Property Type Residential
 

404 Lawrence St Old Hickory, TN 37138

Price $244,900
Beds 3
Baths 2
Living Area SqFt 1,200
Status Active
MLS # 1926792
Property Type Residential
 

7122 Lama Terra Dr Goodlettsville, TN 37072

$244,900 - 3Br/2Ba -  for Sale in Lama Terra, Goodlettsville
New
Price $244,900
Beds 3
Baths 2
Living Area SqFt 1,580
Status Active
MLS # 1933173
Property Type Residential
 

1142 Ardee Ave Nashville, TN 37216

$244,900 - 2Br/1Ba -  for Sale in Sunnymeade, Nashville
New
Price $244,900
Beds 2
Baths 1
Living Area SqFt 1,126
Status Active
MLS # 1933253
Property Type Residential
 

2310 Elliott Ave #833 Nashville, TN 37204

Price $240,000
Beds 1
Baths 1
Living Area SqFt 864
Status Active Under Contract
MLS # 1910969
Property Type Condo
 

1002 Loxley Dr Nashville, TN 37211

Price $240,000
Beds 3
Baths 3
Living Area SqFt 1,280
Status Active
MLS # 1928668
Property Type Condo
 

2680 Avery Park Dr Nashville, TN 37211

Price $240,000
Beds 2
Baths 3
Living Area SqFt 1,224
Status Active Under Contract
MLS # 1929740
Property Type Condo
 

2614 Avery Park Dr Nashville, TN 37211

Price $240,000
Beds 3
Baths 3
Living Area SqFt 1,330
Status Active
MLS # 1930880
Property Type Condo
 

142 Piedmont Ave Nashville, TN 37216

Price $240,000
Beds 3
Baths 2
Living Area SqFt 1,140
Status Active Under Contract
MLS # 1892755
Property Type Residential
 

2723 Live Oak Road Nashville, TN 37210

Price $240,000
Beds 2
Baths 1
Living Area SqFt 943
Status Active
MLS # 1923387
Property Type Residential
 

105 Creighton Ave Nashville, TN 37206

Price $240,000
Beds 3
Baths 1
Living Area SqFt 940
Status Active
MLS # 1930349
Property Type Residential
 

4009 Sussex Dr Nashville, TN 37207

Price $239,990
Beds 5
Baths 2
Living Area SqFt 1,800
Status Active
MLS # 1922272
Property Type Residential
 

107 Port Dr Madison, TN 37115

Price $239,950
Beds 3
Baths 1
Living Area SqFt 1,307
Status Active Under Contract
MLS # 1911334
Property Type Residential
 

3980 Lawing Dr Nashville, TN 37207

Price $239,900
Beds 3
Baths 2
Living Area SqFt 2,013
Status Active
MLS # 1890909
Property Type Residential
 

5025 Hillsboro Rd Apt 4 A Nashville, TN 37215

Price $239,900
Beds 3
Baths 3
Living Area SqFt 1,320
Status Active Under Contract
MLS # 1900586
Property Type Condo
 

700 Church St Apt 708 Nashville, TN 37203

Price $239,900
Beds 1
Baths 1
Living Area SqFt 744
Status Active
MLS # 1902499
Property Type Condo
 

1400 Pillow St #102 Nashville, TN 37203

Price $239,900
Beds 1
Baths 1
Living Area SqFt 742
Status Active
MLS # 1917802
Property Type Condo
 

107 Northcrest Commons Cir Nashville, TN 37211

Price $239,900
Beds 4
Baths 3
Living Area SqFt 1,655
Status Active Under Contract
MLS # 1927394
Property Type Condo
 

905 Glenmary Ct Nashville, TN 37205

Price $239,900
Beds 2
Baths 2
Living Area SqFt 1,244
Status Active Under Contract
MLS # 1927461
Property Type Condo
 

2116 Hobbs Rd Apt C3 Nashville, TN 37215

$239,900 - 2Br/2Ba -  for Sale in Hobbs House, Nashville
Open House
Price $239,900
Beds 2
Baths 2
Living Area SqFt 1,150
Status Active
MLS # 1928901
Property Type Condo
 

117 Highland Villa Dr Nashville, TN 37211

Price $239,900
Beds 2
Baths 2
Living Area SqFt 1,592
Status Active
MLS # 1931359
Property Type Condo
 

5446 Edmondson Pike Nashville, TN 37211

$239,900 - 3Br/3Ba -  for Sale in Brighton Village, Nashville
Open House
New
Price $239,900
Beds 3
Baths 3
Living Area SqFt 1,280
Status Active
MLS # 1932899
Property Type Condo
 

204b Lutie St Nashville, TN 37210

Price $239,900
Beds 3
Baths 1
Living Area SqFt 900
Status Active Under Contract
MLS # 1902658
Property Type Residential
 

522 Eastboro Dr Nashville, TN 37209

Price $239,900
Beds 3
Baths 2
Living Area SqFt 1,488
Status Active Under Contract
MLS # 1922389
Property Type Residential
 

2902 Mashburn Dr Nashville, TN 37211

Price $239,900
Beds 3
Baths 2
Living Area SqFt 1,796
Status Active Under Contract
MLS # 1923569
Property Type Residential
 

3818 Sam Boney Dr Nashville, TN 37211

Price $239,900
Beds 3
Baths 2
Living Area SqFt 1,850
Status Active Under Contract
MLS # 1923717
Property Type Residential
 

5501 Urbandale Ave Nashville, TN 37209

Price $239,900
Beds 4
Baths 1
Living Area SqFt 1,550
Status Active
MLS # 1926227
Property Type Residential
 

805 Bixler Ave Madison, TN 37115

Price $239,900
Beds 3
Baths 2
Living Area SqFt 1,250
Status Active Under Contract
MLS # 1927378
Property Type Residential
 

1642 Chase St Nashville, TN 37216

Price $239,900
Beds 2
Baths 2
Living Area SqFt 950
Status Active Under Contract
MLS # 1928682
Property Type Residential
 

1020 Alice St Nashville, TN 37218

Price $239,900
Beds 3
Baths 1
Living Area SqFt 943
Status Active Under Contract
MLS # 1928709
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