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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142 Hillsboro Pl Nashville, TN 37215

Price $259,900
Beds 2
Baths 2
Living Area SqFt 1,257
Status Active Under Contract
MLS # 1949211
Property Type Condo
 

8509 Calistoga Way Brentwood, TN 37027

Price $259,900
Beds 3
Baths 3
Living Area SqFt 1,595
Status Active
MLS # 1981912
Property Type Condo
 

7252 Highway 70 South 101 Nashville, TN 37221

Price $259,900
Beds 3
Baths 4
Living Area SqFt 1,902
Status Active
MLS # 1982401
Property Type Condo
 

5817 River Rd Nashville, TN 37209

Price $259,900
Beds 2
Baths 1
Living Area SqFt 1,050
Status Active
MLS # 1834310
Property Type Residential
 

900 Saunders Ave Madison, TN 37115

Price $259,900
Beds 3
Baths 2
Living Area SqFt 1,564
Status Active Under Contract
MLS # 1956633
Property Type Residential
 

917 Ward St Nashville, TN 37207

Price $259,900
Beds 2
Baths 2
Living Area SqFt 1,372
Status Active
MLS # 1968091
Property Type Residential
 

439 Edwin St Nashville, TN 37207

Price $259,900
Beds 3
Baths 1
Living Area SqFt 1,178
Status Active
MLS # 1974979
Property Type Residential
 

3865 Scotwood Drive Nashville, TN 37211

Price $259,900
Beds 4
Baths 3
Living Area SqFt 1,716
Status Active
MLS # 1975380
Property Type Residential
 

925 S 13th Ct Nashville, TN 37206

Price $259,900
Beds 3
Baths 2
Living Area SqFt 1,408
Status Active Under Contract
MLS # 1977019
Property Type Residential
 

413 Farris Ave Madison, TN 37115

Price $259,900
Beds 4
Baths 2
Living Area SqFt 2,300
Status Active
MLS # 1977231
Property Type Residential
 

608 Cobble Ct Nashville, TN 37211

Price $259,900
Beds 3
Baths 2
Living Area SqFt 1,312
Status Active Under Contract
MLS # 1977641
Property Type Residential
 

6406 Premier Dr Nashville, TN 37209

Price $259,900
Beds 3
Baths 2
Living Area SqFt 1,248
Status Active Under Contract
MLS # 1983664
Property Type Residential
 

329 Clearlake Dr W Nashville, TN 37217

Price $259,900
Beds 4
Baths 3
Living Area SqFt 2,325
Status Active
MLS # 1986890
Property Type Residential
 

4492 South Trace Blvd. Old Hickory, TN 37138

Price $259,900
Beds 3
Baths 2
Living Area SqFt 1,862
Status Active Under Contract
MLS # 1987616
Property Type Residential
 

1803 Broadway Apt 110 Nashville, TN 37203

Price $259,900
Beds 1
Baths 1
Living Area SqFt 820
Status Active
MLS # 1964804
Property Type Condo
 

1351 General George Patton Rd Nashville, TN 37221

Price $259,900
Beds 4
Baths 3
Living Area SqFt 1,984
Status Active
MLS # 1977794
Property Type Condo
 

1010 Whites Creek Pike Nashville, TN 37207

Price $259,900
Beds 2
Baths 1
Living Area SqFt 840
Status Active
MLS # 1950008
Property Type Residential
 

603 10th St S, Nashville

Price $259,900
Beds 2
Baths 1
Living Area SqFt 950
Status Active
MLS # 1968123
Property Type Residential
 

521 Glenpark Dr Nashville, TN 37217

Price $259,900
Beds 3
Baths 3
Living Area SqFt 1,987
Status Active
MLS # 1968385
Property Type Residential
 

4940 Sherman Oaks Dr Nashville, TN 37211

Price $259,900
Beds 4
Baths 2
Living Area SqFt 1,938
Status Active
MLS # 1968788
Property Type Residential
 

422 Lorna Dr Nashville, TN 37214

Price $259,900
Beds 3
Baths 2
Living Area SqFt 1,350
Status Active
MLS # 1975005
Property Type Residential
 

709 Comanche Ct Madison, TN 37115

Price $259,900
Beds 3
Baths 3
Living Area SqFt 2,032
Status Active Under Contract
MLS # 1975682
Property Type Residential
 

632 James Ave Nashville, TN 37209

Price $259,900
Beds 3
Baths 2
Living Area SqFt 1,188
Status Active Under Contract
MLS # 1977190
Property Type Residential
 

6303 American Ct Nashville, TN 37209

Price $259,900
Beds 3
Baths 2
Living Area SqFt 1,954
Status Active
MLS # 1977352
Property Type Residential
 

3711 Wharton Dr Nashville, TN 37211

Price $259,900
Beds 3
Baths 2
Living Area SqFt 1,755
Status Active
MLS # 1977698
Property Type Residential
 

1152 Kirkland Ave Nashville, TN 37216

Price $259,900
Beds 3
Baths 2
Living Area SqFt 1,062
Status Active
MLS # 1979472
Property Type Residential
 

135 Del Crest Dr Nashville, TN 37217

Price $259,900
Beds 4
Baths 2
Living Area SqFt 2,054
Status Active
MLS # 1981953
Property Type Residential
 

7711 Poplar Ridge Dr Nashville, TN 37221

Price $259,900
Beds 3
Baths 2
Living Area SqFt 1,435
Status Active
MLS # 1983095
Property Type Residential
 

1460 Bending River Dr Nashville, TN 37221

Price $259,900
Beds 3
Baths 2
Living Area SqFt 1,489
Status Active
MLS # 1983582
Property Type Residential
 

1124 Chester Ave Nashville, TN 37206

Price $259,900
Beds 3
Baths 1
Living Area SqFt 1,120
Status Active
MLS # 1984141
Property Type Residential
 

5053 Streamfield Pass Antioch, TN 37013

Price $259,900
Beds 3
Baths 3
Living Area SqFt 1,874
Status Active
MLS # 1985004
Property Type Residential
 

244 Maxwell Pl Antioch, TN 37013

Price $259,900
Beds 3
Baths 3
Living Area SqFt 2,536
Status Active
MLS # 1985273
Property Type Residential
 

992 Maplewood Pl Nashville, TN 37216

Price $259,900
Beds 3
Baths 1
Living Area SqFt 1,150
Status Active
MLS # 1986165
Property Type Residential
 

3021 Harbor Lights Dr Nashville, TN 37217

Price $259,900
Beds 3
Baths 2
Living Area SqFt 1,994
Status Active Under Contract
MLS # 1987702
Property Type Residential
 

525 Sarver Drive Madison, TN 37115

Price $259,899
Beds 3
Baths 3
Living Area SqFt 2,000
Status Active
MLS # 1974887
Property Type Residential
 

336 Edith Avenue Nashville, TN 37207

Price $259,800
Beds 2
Baths 1
Living Area SqFt 900
Status Active
MLS # 1955311
Property Type Residential
 

3308 Ironwood Dr Nashville, TN 37214

Price $259,500
Beds 3
Baths 2
Living Area SqFt 1,636
Status Active
MLS # 1966507
Property Type Residential
 

2022 Chadwell Overlook Dr Madison, TN 37115

Price $259,400
Beds 3
Baths 3
Living Area SqFt 1,923
Status Active Under Contract
MLS # 1966402
Property Type Condo
 

111 Harpeth Trace Smt Nashville, TN 37221

Price $259,000
Beds 2
Baths 2
Living Area SqFt 1,734
Status Active
MLS # 1962726
Property Type Condo
 

2730 Bobby Ave Nashville, TN 37216

Price $259,000
Beds 3
Baths 2
Living Area SqFt 1,565
Status Active
MLS # 1966427
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