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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413 Shadow Glen Dr Nashville, TN 37211

Price $208,000
Beds 2
Baths 3
Living Area SqFt 1,216
Status Active
MLS # 1990209
Property Type Condo
 

3516 Standing Stone Dr Nashville, TN 37207

Price $208,000
Beds 3
Baths 2
Living Area SqFt 1,104
Status Active
MLS # 1995308
Property Type Residential
 

5309 Flagstone Dr Antioch, TN 37013

Price $208,000
Beds 3
Baths 2
Living Area SqFt 1,074
Status Active
MLS # 1982390
Property Type Residential
 

1117 Old Hickory Blvd Nashville, TN 37207

Price $208,000
Beds 3
Baths 2
Living Area SqFt 1,352
Status Active
MLS # 1987976
Property Type Residential
 

4316 Summercrest Blvd Antioch, TN 37013

Price $207,800
Beds 3
Baths 3
Living Area SqFt 1,275
Status Active Under Contract
MLS # 1974493
Property Type Residential
 

1122 Litton Ave Nashville, TN 37216

Price $207,500
Beds 1
Baths 1
Living Area SqFt 742
Status Active
MLS # 1985135
Property Type Condo
 

6820 Highway 70 S Unit 220 Nashville, TN 37221

Price $207,000
Beds 2
Baths 2
Living Area SqFt 1,268
Status Active
MLS # 1944620
Property Type Condo
 

623 Blackstone Ave Madison, TN 37115

Price $207,000
Beds 3
Baths 1
Living Area SqFt 924
Status Active Under Contract
MLS # 1993201
Property Type Residential
 

1905 Shaylin Loop Antioch, TN 37013

Price $205,900
Beds 2
Baths 3
Living Area SqFt 1,309
Status Active
MLS # 1993037
Property Type Condo
 

2606 Nashboro Blvd Nashville, TN 37217

Price $205,000
Beds 2
Baths 3
Living Area SqFt 1,660
Status Active Under Contract
MLS # 1991140
Property Type Condo
 

2936 Kinwood Dr Antioch, TN 37013

Price $205,000
Beds 3
Baths 2
Living Area SqFt 1,451
Status Active Under Contract
MLS # 1962242
Property Type Residential
 

842 Walnut St Madison, TN 37115

Price $205,000
Beds 2
Baths 1
Living Area SqFt 1,484
Status Active Under Contract
MLS # 1987229
Property Type Residential
 

721 Hamblen Dr Madison, TN 37115

Price $205,000
Beds 2
Baths 1
Living Area SqFt 1,550
Status Active
MLS # 1972434
Property Type Residential
 

3475 Binkley Rd Joelton, TN 37080

Price $205,000
Beds 3
Baths 2
Living Area SqFt 1,275
Status Active
MLS # 1992175
Property Type Residential
 

2034 Franklin Limestone Ct Nashville, TN 37217

Price $204,990
Beds 3
Baths 2
Living Area SqFt 1,411
Status Active Under Contract
MLS # 1980983
Property Type Residential
 

204 Juarez Dr Hermitage, TN 37076

Price $204,955
Beds 3
Baths 1
Living Area SqFt 1,440
Status Active Under Contract
MLS # 1965419
Property Type Residential
 

4606 Banff Park Ct Antioch, TN 37013

Price $204,901
Beds 3
Baths 2
Living Area SqFt 1,800
Status Active Under Contract
MLS # 1987832
Property Type Condo
 

5025 Hillsboro Pike Apt 10e Nashville, TN 37215

Price $204,900
Beds 2
Baths 2
Living Area SqFt 928
Status Active
MLS # 1978856
Property Type Condo
 

520 Huntington Ridge Dr Nashville, TN 37211

Price $204,900
Beds 2
Baths 3
Living Area SqFt 1,358
Status Active
MLS # 1990838
Property Type Condo
 

823 W Mckennie Ave Nashville, TN 37206

Price $204,900
Beds 2
Baths 1
Living Area SqFt 750
Status Active
MLS # 1965445
Property Type Residential
 

1511 Andy Street Nashville, TN 37216

Price $204,900
Beds 2
Baths 1
Living Area SqFt 716
Status Active
MLS # 1987931
Property Type Residential
 

130 Antler Ridge Cir Nashville, TN 37214

Price $204,500
Beds 2
Baths 3
Living Area SqFt 1,608
Status Active
MLS # 1985389
Property Type Condo
 

2025 Woodmont Blvd. #210 Nashville, TN 37205

Price $203,500
Beds 1
Baths 1
Living Area SqFt 727
Status Active
MLS # 1995664
Property Type Condo
 

4316 Summercrest Blvd Antioch, TN 37013

Price $202,800
Beds 2
Baths 3
Living Area SqFt 1,151
Status Active
MLS # 1976588
Property Type Residential
 

1218 Summercrest Blvd. Antioch, TN 37013

Price $202,315
Beds 2
Baths 3
Living Area SqFt 1,440
Status Active
MLS # 1994134
Property Type Condo
 

1218 Summercrest Blvd. Antioch, TN 37013

Price $202,315
Beds 2
Baths 3
Living Area SqFt 1,440
Status Active
MLS # 1994151
Property Type Residential
 

1028 Saddlestone Dr Hermitage, TN 37076

Price $201,900
Beds 3
Baths 2
Living Area SqFt 1,146
Status Active
MLS # 1986696
Property Type Residential
 

140 Nashboro Grns Nashville, TN 37217

Price $200,000
Beds 3
Baths 3
Living Area SqFt 1,584
Status Active
MLS # 1994870
Property Type Condo
 

2107 Buchanan St Nashville, TN 37208

Price $200,000
Beds 3
Baths 1
Living Area SqFt 1,654
Status Active
MLS # 1914442
Property Type Residential
 

2040 Candlewood Dr Madison, TN 37115

Price $200,000
Beds 3
Baths 2
Living Area SqFt 1,427
Status Active Under Contract
MLS # 1993259
Property Type Residential
 

1601 Peppertree Ct Antioch, TN 37013

Price $200,000
Beds 3
Baths 2
Living Area SqFt 1,285
Status Active
MLS # 1994884
Property Type Residential
 

105 Leake Avenue #54 Nashville, TN 37205

Price $200,000
Beds 1
Baths 1
Living Area SqFt 1,009
Status Active
MLS # 1975457
Property Type Condo
 

161 Antler Ridge Cir Nashville, TN 37214

Price $200,000
Beds 2
Baths 3
Living Area SqFt 1,608
Status Active Under Contract
MLS # 1977323
Property Type Condo
 

1077 E Trinity Ln Nashville, TN 37216

Price $200,000
Beds 1
Baths 1
Living Area SqFt 651
Status Active Under Contract
MLS # 1987973
Property Type Condo
 

1077 E Trinity Ln Nashville, TN 37216

Price $200,000
Beds 1
Baths 1
Living Area SqFt 651
Status Active Under Contract
MLS # 1989526
Property Type Condo
 

524 Moss Landing Dr Antioch, TN 37013

Price $200,000
Beds 3
Baths 2
Living Area SqFt 1,357
Status Active Under Contract
MLS # 1981084
Property Type Residential
 

7715 Sawyer Brown Rd Nashville, TN 37221

Price $200,000
Living Area SqFt 1
Status Active
MLS # 1986783
Property Type Residential
 
 
 

140 Nashboro Grns Nashville, TN 37217

Price $200,000
Beds 3
Baths 3
Living Area SqFt 1,584
Status Active
MLS # 1991151
Property Type Residential
 

114 Doral Ct Nashville, TN 37221

Price $199,999
Beds 3
Baths 2
Living Area SqFt 1,180
Status Active
MLS # 1979155
Property Type Condo
 

1812 Elizabeth Rd Nashville, TN 37218

Price $199,999
Beds 4
Baths 1
Living Area SqFt 1,488
Status Active Under Contract
MLS # 1973259
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