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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7780 Sawyer Brown Rd Nashville, TN 37221

Price $195,500
Beds 1
Baths 1
Living Area SqFt 7,203
Status Active
MLS # 1905901
Property Type Condo
 

7780 Sawyer Brown Rd Nashville, TN 37221

Price $195,500
Beds 2
Baths 3
Living Area SqFt 1,276
Status Active
MLS # 1905906
Property Type Condo
 

5170 Hickory Hollow Pkwy Unit 2 Antioch, TN 37013

Price $195,500
Beds 2
Baths 3
Living Area SqFt 2,004
Status Active
MLS # 1910202
Property Type Condo
 

560 Doral Country Dr Nashville, TN 37221

Price $195,000
Beds 2
Baths 2
Living Area SqFt 1,087
Status Active Under Contract
MLS # 1913357
Property Type Condo
 

553 Annex Ave Nashville, TN 37209

Price $195,000
Beds 3
Baths 2
Living Area SqFt 945
Status Active Under Contract
MLS # 1903459
Property Type Residential
 

4844 Shasta Dr Nashville, TN 37211

Price $195,000
Beds 3
Baths 2
Living Area SqFt 1,221
Status Active Under Contract
MLS # 1911328
Property Type Residential
 

904 Debow St Old Hickory, TN 37138

$194,999 - 3Br/1Ba -  for Sale in Village Of Old Hickory, Old Hickory
Open House
Price $194,999
Beds 3
Baths 1
Living Area SqFt 1,178
Status Active
MLS # 1913305
Property Type Residential
 

21 Vaughns Gap Rd Apt 14 Nashville, TN 37205

Price $194,949
Beds 4
Baths 2
Living Area SqFt 1,472
Status Active
MLS # 1916769
Property Type Condo
 

7470 Charlotte Pike Apt 1 Nashville, TN 37209

Price $194,900
Beds 2
Baths 3
Living Area SqFt 1,155
Status Active Under Contract
MLS # 1913032
Property Type Condo
 

2889 Creekbend Dr Nashville, TN 37207

Price $194,900
Beds 3
Baths 3
Living Area SqFt 1,721
Status Active Under Contract
MLS # 1912613
Property Type Residential
 

7089 S Hampton Blvd Antioch, TN 37013

Price $194,500
Beds 3
Baths 2
Living Area SqFt 1,268
Status Active Under Contract
MLS # 1917223
Property Type Residential
 

8431 Callabee Way Unit 1 Antioch, TN 37013

Price $194,000
Beds 2
Baths 2
Living Area SqFt 1,162
Status Active
MLS # 1909839
Property Type Condo
 

1819 Lincoya Bay Dr Nashville, TN 37214

$194,000 - 2Br/3Ba -  for Sale in Cottages At Willams Bend, Nashville
New
Price $194,000
Beds 2
Baths 3
Living Area SqFt 1,130
Status Active
MLS # 1922310
Property Type Condo
 

8411 Callabee Way Unit 7 Antioch, TN 37013

$193,000 - 2Br/2Ba -  for Sale in Lenox Creekside, Antioch
Open House
Price $193,000
Beds 2
Baths 2
Living Area SqFt 1,174
Status Active
MLS # 1920898
Property Type Condo
 

221 Westfield Dr Nashville, TN 37221

$192,000 - 3Br/3Ba -  for Sale in Westfield, Nashville
New
Price $192,000
Beds 3
Baths 3
Living Area SqFt 1,586
Status Active
MLS # 1922054
Property Type Condo
 

510 Gay St Apt 903 Nashville, TN 37219

Price $191,000
Beds 1
Baths 1
Living Area SqFt 594
Status Active
MLS # 1901964
Property Type Condo
 

510 Gay St Apt 903 Nashville, TN 37219

$191,000 - 1Br/1Ba -  for Sale in Capitol Towers, Nashville
New
Price $191,000
Beds 1
Baths 1
Living Area SqFt 594
Status Active
MLS # 1922453
Property Type Condo
 

226 Old Amqui Rd Madison, TN 37115

Price $190,000
Beds 5
Baths 3
Living Area SqFt 2,016
Status Active
MLS # 1892883
Property Type Residential
 

1518 Marwood Ln Nashville, TN 37210

Price $190,000
Beds 2
Baths 1
Living Area SqFt 1,128
Status Active
MLS # 1911689
Property Type Residential
 

916b 32nd Ave N Nashville, TN 37209

Price $190,000
Beds 4
Baths 2
Living Area SqFt 1,432
Status Active Under Contract
MLS # 1912157
Property Type Residential
 

1736 Kellow St Nashville, TN 37208

Price $189,999
Beds 4
Baths 1
Living Area SqFt 1,790
Status Active
MLS # 1860518
Property Type Residential
 

121 Colemont Dr Nashville, TN 37013

Price $189,999
Beds 3
Baths 1
Living Area SqFt 1,000
Status Active
MLS # 1900482
Property Type Residential
 

1016 Red Bud Ter Madison, TN 37115

$189,981 - 3Br/1Ba -  for Sale in Red Bud Terrace, Madison
New
Price $189,981
Beds 3
Baths 1
Living Area SqFt 1,021
Status Active
MLS # 1922437
Property Type Residential
 

8211 Lenox Creekside Dr Unit 11 Antioch, TN 37013

$189,900 - 2Br/2Ba -  for Sale in Lenox Creekside, Antioch
Open House
Price $189,900
Beds 2
Baths 2
Living Area SqFt 1,162
Status Active
MLS # 1910797
Property Type Condo
 

3405 Old Anderson Rd Unit 233 Antioch, TN 37013

Price $189,900
Beds 3
Baths 3
Living Area SqFt 1,636
Status Active Under Contract
MLS # 1913206
Property Type Condo
 

1816 Lincoya Bay Dr Nashville, TN 37214

Price $189,900
Beds 2
Baths 2
Living Area SqFt 1,088
Status Active Under Contract
MLS # 1918290
Property Type Condo
 

2217 Smedley Ln Antioch, TN 37013

$189,900 - 2Br/3Ba -  for Sale in Matlock Townhomes, Antioch
New
Price $189,900
Beds 2
Baths 3
Living Area SqFt 1,375
Status Active
MLS # 1921275
Property Type Condo
 

101 Laurel Hill Dr Old Hickory, TN 37138

$189,900 - 3Br/2Ba -  for Sale in Laurel Hill Courtyard Home, Old Hickory
New
Price $189,900
Beds 3
Baths 2
Living Area SqFt 1,209
Status Active
MLS # 1921846
Property Type Condo
 

905 Idlewild Dr Madison, TN 37115

Price $189,900
Beds 3
Baths 2
Living Area SqFt 1,465
Status Active
MLS # 1868781
Property Type Residential
 

5957 Lickton Pike Goodlettsville, TN 37072

Price $189,900
Beds 3
Baths 1
Living Area SqFt 1,170
Status Active Under Contract
MLS # 1898009
Property Type Residential
 

733 May Dr Madison, TN 37115

Price $189,900
Beds 3
Baths 2
Living Area SqFt 1,121
Status Active Under Contract
MLS # 1907917
Property Type Residential
 

2808 Greer Rd Goodlettsville, TN 37072

Price $189,900
Beds 3
Baths 2
Living Area SqFt 1,288
Status Active Under Contract
MLS # 1909197
Property Type Residential
 

508 Pascal Ct Nashville, TN 37207

Price $189,900
Beds 3
Baths 1
Living Area SqFt 1,000
Status Active Under Contract
MLS # 1912568
Property Type Residential
 

359 Tusculum Rd Nashville, TN 37211

Price $189,900
Beds 3
Baths 1
Living Area SqFt 1,250
Status Active Under Contract
MLS # 1913437
Property Type Residential
 

722 Heritage Square Dr Madison, TN 37115

$189,900 - 3Br/2Ba -  for Sale in Heritage Square, Madison
Open House
New
Price $189,900
Beds 3
Baths 2
Living Area SqFt 1,134
Status Active
MLS # 1921900
Property Type Residential
 

2120 Lebanon Pike #32 Nashville, TN 37210

Price $189,000
Beds 3
Baths 3
Living Area SqFt 1,452
Status Active Under Contract
MLS # 1917089
Property Type Condo
 

83 Donelson St Nashville, TN 37210

Price $189,000
Beds 3
Baths 2
Living Area SqFt 1,464
Status Active
MLS # 1909118
Property Type Residential
 

2625 Old Buena Vista Pike Nashville, TN 37218

$189,000 - 4Br/2Ba -  for Sale in Avondal, Nashville
New
Price $189,000
Beds 4
Baths 2
Living Area SqFt 1,842
Status Active
MLS # 1922271
Property Type Residential
 

901 Stoneview Ct Antioch, TN 37013

Price $188,000
Beds 3
Baths 2
Living Area SqFt 1,142
Status Active Under Contract
MLS # 1916472
Property Type Residential
 

3305 Doverside Dr Nashville, TN 37207

Price $188,000
Beds 3
Baths 2
Living Area SqFt 1,533
Status Active
MLS # 1919678
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