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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304 Bonnavue Dr Hermitage, TN 37076

Price $254,490
Beds 4
Baths 2
Living Area SqFt 1,742
Status Active
MLS # 1961871
Property Type Residential
 

4325-9 Ashland City Highway Nashville, TN 37218

Price $254,000
Beds 3
Baths 3
Living Area SqFt 1,423
Status Active
MLS # 1941128
Property Type Condo
 

7277 Charlotte Pike Unit 243 Nashville, TN 37209

Price $254,000
Beds 2
Baths 3
Living Area SqFt 1,760
Status Active Under Contract
MLS # 1953486
Property Type Condo
 

7277 Charlotte Pike Unit 227 Nashville, TN 37209

Price $254,000
Beds 2
Baths 3
Living Area SqFt 1,760
Status Active
MLS # 1953860
Property Type Condo
 

644 St. Jules Ln Nashville, TN 37211

Price $252,900
Beds 2
Baths 3
Living Area SqFt 1,440
Status Active Under Contract
MLS # 1952147
Property Type Condo
 

151 W End Pl Nashville, TN 37205

Price $252,900
Beds 2
Baths 2
Living Area SqFt 1,130
Status Active
MLS # 1959119
Property Type Condo
 

305 Harwich Ct Nashville, TN 37211

Price $252,500
Beds 3
Baths 2
Living Area SqFt 1,523
Status Active Under Contract
MLS # 1954448
Property Type Residential
 

1445 Bending River Dr Nashville, TN 37221

Price $252,000
Beds 2
Baths 2
Living Area SqFt 1,495
Status Active Under Contract
MLS # 1946131
Property Type Residential
 

2523 Solomon Lane Nashville, TN 37207

Price $250,990
Beds 3
Baths 2
Living Area SqFt 1,296
Status Active
MLS # 1956052
Property Type Residential
 

2132 Burns St Nashville, TN 37216

$250,213 - 2Br/1Ba -  for Sale in Burns, Nashville
New
Price $250,213
Beds 2
Baths 1
Living Area SqFt 1,003
Status Active
MLS # 1962367
Property Type Residential
 

8955 Sawyer Brown Rd Nashville, TN 37221

Price $250,000
Beds 3
Baths 3
Living Area SqFt 1,536
Status Active Under Contract
MLS # 1890145
Property Type Condo
 

504 Huntington Ridge Dr Nashville, TN 37211

Price $250,000
Beds 3
Baths 3
Living Area SqFt 1,948
Status Active
MLS # 1932453
Property Type Condo
 

1024 Todd Preis Dr Nashville, TN 37221

Price $250,000
Beds 3
Baths 3
Living Area SqFt 1,738
Status Active Under Contract
MLS # 1936945
Property Type Condo
 

1111 Frewin St Nolensville, TN 37135

Price $250,000
Beds 3
Baths 3
Living Area SqFt 1,320
Status Active Under Contract
MLS # 1957035
Property Type Condo
 

1713 26th Ave N Nashville, TN 37208

Price $250,000
Beds 3
Baths 2
Living Area SqFt 1,439
Status Active
MLS # 1916517
Property Type Residential
 

1805 Eastside Ave Nashville, TN 37206

Price $250,000
Beds 3
Baths 1
Living Area SqFt 1,200
Status Active
MLS # 1938869
Property Type Residential
 

1605 Elizabeth Rd Nashville, TN 37218

Price $250,000
Beds 3
Baths 1
Living Area SqFt 1,362
Status Active
MLS # 1943963
Property Type Residential
 

422 West Bend Dr Nashville, TN 37209

Price $250,000
Beds 2
Baths 1
Living Area SqFt 816
Status Active Under Contract
MLS # 1948914
Property Type Residential
 

705 Bradford Hills Cv Nashville, TN 37211

Price $250,000
Beds 2
Baths 2
Living Area SqFt 1,774
Status Active
MLS # 1951219
Property Type Residential
 

3504 Greenwood Dr Hermitage, TN 37076

Price $250,000
Beds 3
Baths 3
Living Area SqFt 2,180
Status Active Under Contract
MLS # 1952256
Property Type Residential
 

8333 Ramstone Way Antioch, TN 37013

Price $250,000
Beds 3
Baths 3
Living Area SqFt 1,820
Status Active Under Contract
MLS # 1955495
Property Type Residential
 

1111 Frewin St Nolensville, TN 37135

Price $250,000
Beds 3
Baths 3
Living Area SqFt 1,320
Status Active Under Contract
MLS # 1958450
Property Type Residential
 

418 W Bend Dr Nashville, TN 37209

Price $250,000
Beds 3
Baths 1
Living Area SqFt 931
Status Active
MLS # 1958728
Property Type Residential
 

8856 Cressent Glen Ct Antioch, TN 37013

Price $250,000
Beds 3
Baths 3
Living Area SqFt 1,836
Status Active
MLS # 1959231
Property Type Residential
 

807 18th Ave S Apt 407 Nashville, TN 37203

Price $249,999
Beds 1
Baths 2
Living Area SqFt 853
Status Active
MLS # 1925199
Property Type Condo
 

1101 18th Avenue S Nashville, TN 37212

Price $249,999
Beds 1
Baths 1
Living Area SqFt 720
Status Active Under Contract
MLS # 1946673
Property Type Condo
 

911 Apple Valley Rd Madison, TN 37115

Price $249,999
Beds 3
Baths 2
Living Area SqFt 1,995
Status Active
MLS # 1940053
Property Type Residential
 

887 Sharpe Ave Nashville, TN 37206

Price $249,999
Beds 2
Baths 1
Living Area SqFt 672
Status Active
MLS # 1955725
Property Type Residential
 

84 Elberta St Nashville, TN 37210

Price $249,999
Beds 2
Baths 1
Living Area SqFt 1,140
Status Active
MLS # 1958671
Property Type Residential
 

5025 Hillsboro Pike Apt 8b Nashville, TN 37215

Price $249,950
Beds 3
Baths 2
Living Area SqFt 1,430
Status Active
MLS # 1915700
Property Type Condo
 

509 Adamwood Dr Nashville, TN 37211

Price $249,950
Beds 3
Baths 2
Living Area SqFt 1,328
Status Active
MLS # 1951069
Property Type Residential
 

2501 Jones Ave Nashville, TN 37207

Price $249,942
Beds 2
Baths 1
Living Area SqFt 1,067
Status Active
MLS # 1951501
Property Type Residential
 

111 Northcrest Commons Cir Nashville, TN 37211

Price $249,900
Beds 2
Baths 3
Living Area SqFt 1,295
Status Active
MLS # 1922566
Property Type Condo
 

8521 Calistoga Way Brentwood, TN 37027

Price $249,900
Beds 3
Baths 3
Living Area SqFt 1,574
Status Active Under Contract
MLS # 1933583
Property Type Condo
 

700 Church St Apt 503 Nashville, TN 37203

Price $249,900
Beds 1
Baths 1
Living Area SqFt 786
Status Active
MLS # 1937084
Property Type Condo
 

8820 Dolcetto Grv Brentwood, TN 37027

Price $249,900
Beds 3
Baths 3
Living Area SqFt 1,595
Status Active Under Contract
MLS # 1940491
Property Type Condo
 

3415 W End Ave Nashville, TN 37203

Price $249,900
Beds 2
Baths 2
Living Area SqFt 1,103
Status Active Under Contract
MLS # 1943190
Property Type Condo
 

7403 Lords Chapel Dr Nashville, TN 37211

Price $249,900
Beds 2
Baths 3
Living Area SqFt 1,530
Status Active
MLS # 1948399
Property Type Condo
 

301 Demonbreun St Unit 308 Nashville, TN 37201

Price $249,900
Beds 1
Baths 1
Living Area SqFt 588
Status Active
MLS # 1949220
Property Type Condo
 

8701 Ambonnay Dr Brentwood, TN 37027

Price $249,900
Beds 3
Baths 3
Living Area SqFt 1,606
Status Active
MLS # 1951729
Property Type Condo
 

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