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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4613 Grinstead Pl Nashville, TN 37216

Price $235,000
Beds 3
Baths 1
Living Area SqFt 944
Status Active
MLS # 1968114
Property Type Residential
 

114 Dodge Dr Nashville, TN 37210

Price $235,000
Beds 2
Baths 1
Living Area SqFt 1,076
Status Active
MLS # 1969692
Property Type Residential
 

5256 Buena Vista Pike Nashville, TN 37218

Price $234,990
Beds 3
Baths 2
Living Area SqFt 1,831
Status Active Under Contract
MLS # 1940290
Property Type Residential
 

217 Westfield Dr Nashville, TN 37221

Price $234,900
Beds 3
Baths 3
Living Area SqFt 1,586
Status Active Under Contract
MLS # 1949876
Property Type Condo
 

2110 River Overlook Dr Hermitage, TN 37076

Price $234,900
Beds 2
Baths 3
Living Area SqFt 1,216
Status Active
MLS # 1970675
Property Type Condo
 

2718 River Vista Ct Hermitage, TN 37076

Price $234,900
Beds 2
Baths 3
Living Area SqFt 1,216
Status Active Under Contract
MLS # 1971012
Property Type Condo
 

1422 Sevier Ct Nashville, TN 37206

Price $234,900
Beds 2
Baths 1
Living Area SqFt 632
Status Active
MLS # 1959419
Property Type Residential
 

115 Berkley Dr Madison, TN 37115

Price $234,900
Beds 3
Baths 2
Living Area SqFt 1,142
Status Active Under Contract
MLS # 1961992
Property Type Residential
 

3404 Parkwood Ct Hermitage, TN 37076

Price $234,900
Beds 3
Baths 3
Living Area SqFt 1,342
Status Active Under Contract
MLS # 1962543
Property Type Residential
 

3030 Ned Shelton (unit 224) Nashville, TN 37217

Price $234,900
Beds 3
Baths 3
Living Area SqFt 1,613
Status Active
MLS # 1967215
Property Type Residential
 

428 Bowling Ave Nashville, TN 37205

Price $234,900
Beds 2
Baths 1
Living Area SqFt 919
Status Active
MLS # 1937966
Property Type Condo
 

1906 Boxelder Aly Hermitage, TN 37076

Price $234,900
Beds 2
Baths 3
Living Area SqFt 1,216
Status Active
MLS # 1963844
Property Type Condo
 

3269 Niagara Dr Nashville, TN 37214

Price $234,900
Beds 3
Baths 2
Living Area SqFt 1,480
Status Active
MLS # 1963906
Property Type Residential
 

2419 Eden St Nashville, TN 37208

Price $234,777
Beds 1
Baths 2
Living Area SqFt 1,486
Status Active
MLS # 1950973
Property Type Residential
 

116 31st Ave N Apt 306 Nashville, TN 37203

Price $234,500
Beds 1
Baths 2
Living Area SqFt 1,030
Status Active Under Contract
MLS # 1947124
Property Type Condo
 

300 Mckenzie Pass Madison, TN 37115

Price $234,000
Beds 3
Baths 3
Living Area SqFt 1,496
Status Active Under Contract
MLS # 1953102
Property Type Condo
 

108 Chetopa Ct Antioch, TN 37013

Price $232,500
Beds 3
Baths 2
Living Area SqFt 1,445
Status Active
MLS # 1972185
Property Type Residential
 

400 Herron Dr # 210 Nashville, TN 37210

Price $232,500
Beds 1
Baths 1
Living Area SqFt 748
Status Active
MLS # 1969195
Property Type Condo
 

3505 Lallemand Dr Nashville, TN 37211

Price $232,300
Beds 3
Baths 2
Living Area SqFt 1,297
Status Active Under Contract
MLS # 1957449
Property Type Residential
 

2880 Creekbend Dr Nashville, TN 37207

Price $232,000
Beds 5
Baths 3
Living Area SqFt 2,028
Status Active
MLS # 1972202
Property Type Residential
 

3825 Round Rock Dr Antioch, TN 37013

Price $232,000
Beds 3
Baths 2
Living Area SqFt 1,707
Status Active
MLS # 1972225
Property Type Residential
 

3911#1 Dodson Chapel Rd Apt 1 Hermitage, TN 37076

Price $230,000
Beds 3
Baths 2
Living Area SqFt 1,402
Status Active Under Contract
MLS # 1953467
Property Type Condo
 

3934 Hoggett Ford Rd Hermitage, TN 37076

Price $230,000
Beds 2
Baths 3
Living Area SqFt 1,216
Status Active Under Contract
MLS # 1962233
Property Type Condo
 

4004 Hoggett Ford Rd Hermitage, TN 37076

Price $230,000
Beds 2
Baths 3
Living Area SqFt 1,216
Status Active
MLS # 1964357
Property Type Condo
 

1106 General George Patton Rd Nashville, TN 37221

Price $230,000
Beds 3
Baths 2
Living Area SqFt 1,403
Status Active
MLS # 1967626
Property Type Condo
 

3159 Penn Meade Way Nashville, TN 37214

Price $230,000
Beds 3
Baths 3
Living Area SqFt 1,668
Status Active
MLS # 1944314
Property Type Residential
 

313 Bart Dr Antioch, TN 37013

Price $230,000
Beds 3
Baths 1
Living Area SqFt 1,100
Status Active Under Contract
MLS # 1960244
Property Type Residential
 

116 Campbell Ct Madison, TN 37115

Price $230,000
Beds 4
Baths 3
Living Area SqFt 2,262
Status Active
MLS # 1972344
Property Type Residential
 

926 Woodland St Unit 302 Nashville, TN 37206

Price $230,000
Beds 1
Baths 1
Living Area SqFt 736
Status Active
MLS # 1969331
Property Type Condo
 

227 Northcrest Commons Cir Nashville, TN 37211

$230,000 - 3Br/3Ba -  for Sale in Northcrest Commons, Nashville
New
Price $230,000
Beds 3
Baths 3
Living Area SqFt 1,400
Status Active
MLS # 1973192
Property Type Condo
 

137 Hodge Ct Nashville, TN 37218

Price $230,000
Beds 3
Baths 2
Living Area SqFt 1,826
Status Active
MLS # 1961424
Property Type Residential
 

3416 Hope Cv Nashville, TN 37217

Price $230,000
Beds 3
Baths 3
Living Area SqFt 1,508
Status Active Under Contract
MLS # 1965931
Property Type Residential
 

3833 Round Rock Dr Antioch, TN 37013

Price $230,000
Beds 3
Baths 2
Living Area SqFt 1,788
Status Active Under Contract
MLS # 1969323
Property Type Residential
 

4041 Pepperwood Dr Antioch, TN 37013

Price $230,000
Beds 3
Baths 3
Living Area SqFt 1,439
Status Active
MLS # 1970059
Property Type Residential
 

105 Creighton Ave Nashville, TN 37206

Price $229,999
Beds 3
Baths 1
Living Area SqFt 940
Status Active
MLS # 1930349
Property Type Residential
 

2416 Albion St Nashville, TN 37208

Price $229,999
Beds 4
Baths 1
Living Area SqFt 2,072
Status Active
MLS # 1911540
Property Type Residential
 

8 Norwich Court Lavergne, TN 37086

Price $229,990
Beds 3
Baths 2
Living Area SqFt 1,296
Status Active
MLS # 1969558
Property Type Residential
 

5775 Brentwood Trce Brentwood, TN 37027

Price $229,900
Beds 2
Baths 1
Living Area SqFt 992
Status Active
MLS # 1937109
Property Type Condo
 

200 Jenna Lee Cir Madison, TN 37115

Price $229,900
Beds 3
Baths 3
Living Area SqFt 1,496
Status Active
MLS # 1949744
Property Type Condo
 

1335 Riverbrook Dr Hermitage, TN 37076

Price $229,900
Beds 2
Baths 3
Living Area SqFt 1,216
Status Active
MLS # 1962607
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