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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711 Bradburn Village Way #147 Antioch, TN 37013

Price $181,990
Beds 2
Baths 3
Living Area SqFt 1,306
Status Active
MLS # 2010462
Property Type Condo
 

1130 Alandee St Nashville, TN 37214

Price $181,000
Beds 3
Baths 2
Living Area SqFt 1,123
Status Active Under Contract
MLS # 2020738
Property Type Duplex
 

8047 Bienville Dr # X- 6 Nashville, TN 37211

Price $180,900
Beds 2
Baths 1
Living Area SqFt 1,000
Status Active
MLS # 2014690
Property Type Condo
 

373 Rayon Dr Old Hickory, TN 37138

Price $180,000
Beds 2
Baths 1
Living Area SqFt 1,042
Status Active
MLS # 2010891
Property Type Duplex
 

310 Woodlark Ct Nashville, TN 37214

Price $180,000
Beds 2
Baths 2
Living Area SqFt 1,116
Status Active
MLS # 2021715
Property Type Duplex
 

3234 Mexico Dr Nashville, TN 37218

Price $180,000
Beds 3
Baths 1
Living Area SqFt 1,204
Status Active
MLS # 2021723
Property Type Duplex
 

5808 Couch Dr Nashville, TN 37209

Price $180,000
Beds 3
Baths 1
Living Area SqFt 899
Status Active Under Contract
MLS # 1910971
Property Type Duplex
 

2101 Buchanan St Nashville, TN 37208

Price $180,000
Beds 3
Baths 1
Living Area SqFt 1,176
Status Active
MLS # 2020261
Property Type Duplex
 

707 Bradburn Village Way #145 Antioch, TN 37013

Price $179,990
Beds 2
Baths 3
Living Area SqFt 1,306
Status Active
MLS # 2008559
Property Type Condo
 

719 Bradburn Village Way #150 Antioch, TN 37013

Price $179,990
Beds 2
Baths 3
Living Area SqFt 1,306
Status Active
MLS # 2014961
Property Type Condo
 

727 Bradburn Village Way #154 Antioch, TN 37013

Price $179,990
Beds 2
Baths 3
Living Area SqFt 1,306
Status Active
MLS # 2014966
Property Type Condo
 

21 Vaughn 39;s Gap Rd G119 Nashville, TN 37205

Price $179,900
Beds 2
Baths 2
Living Area SqFt 1,053
Status Active
MLS # 2020039
Property Type Condo
 

2116 Hobbs Rd Apt I1 Nashville, TN 37215

Price $179,900
Beds 1
Baths 1
Living Area SqFt 705
Status Active
MLS # 1995431
Property Type Condo
 

8441 Callabee Way Unit H10 Antioch, TN 37013

Price $179,900
Beds 2
Baths 1
Living Area SqFt 1,000
Status Active
MLS # 2007376
Property Type Condo
 

118 Plantation Ct Nashville, TN 37221

Price $179,900
Beds 2
Baths 2
Living Area SqFt 1,152
Status Active Under Contract
MLS # 2011263
Property Type Condo
 

319 Scalf Dr Madison, TN 37115

Price $179,900
Beds 1
Baths 2
Living Area SqFt 1,206
Status Active
MLS # 2012065
Property Type Duplex
 

1901 Laurinda Dr Nashville, TN 37217

Price $179,900
Beds 3
Baths 1
Living Area SqFt 950
Status Active
MLS # 2012231
Property Type Duplex
 

103 Shelby St Old Hickory, TN 37138

Price $179,900
Beds 4
Baths 2
Living Area SqFt 2,356
Status Active
MLS # 2013186
Property Type Duplex
 

3005 Carterwood Dr Nashville, TN 37207

$179,900 - 3Br/2Ba -  for Sale in Parkwood Estates, Nashville
New
Price $179,900
Beds 3
Baths 2
Living Area SqFt 1,450
Status Active
MLS # 2022230
Property Type Duplex
 

504 Upsall Dr Antioch, TN 37013

Price $179,900
Beds 3
Baths 3
Living Area SqFt 2,001
Status Active Under Contract
MLS # 1984639
Property Type Condo
 

8097 Old Charlotte Pike Nashville, TN 37209

Price $179,900
Beds 2
Baths 2
Living Area SqFt 1,700
Status Active Under Contract
MLS # 1992599
Property Type Duplex
 

916 Livingston St. Old Hickory, TN 37138

Price $179,900
Beds 3
Baths 1
Living Area SqFt 875
Status Active Under Contract
MLS # 2000245
Property Type Duplex
 

900 19th Ave S Apt 208 Nashville, TN 37212

Price $179,900
Beds 1
Baths 1
Living Area SqFt 550
Status Active
MLS # 2015499
Property Type Condo
 

5600 Country Dr Apt 182 Nashville, TN 37211

Price $179,900
Beds 3
Baths 3
Living Area SqFt 1,542
Status Active
MLS # 2017152
Property Type Condo
 

3535 Bell Rd Apt 501 Nashville, TN 37214

Price $179,900
Beds 2
Baths 2
Living Area SqFt 1,088
Status Active
MLS # 2022200
Property Type Condo
 

813 Oakwood Terrace Dr Antioch, TN 37013

$179,900 - 3Br/2Ba -  for Sale in Oakwood Terrace, Antioch
New
Price $179,900
Beds 3
Baths 2
Living Area SqFt 1,606
Status Active
MLS # 2022941
Property Type Duplex
 

500 Paragon Mills Rd Apt D4 Nashville, TN 37211

$179,900 - 3Br/3Ba -  for Sale in Canterbury Hall, Nashville
New
Price $179,900
Beds 3
Baths 3
Living Area SqFt 1,365
Status Active
MLS # 2023064
Property Type Condo
 

1254 Massman Dr Nashville, TN 37217

Price $179,500
Beds 2
Baths 3
Living Area SqFt 1,180
Status Active Under Contract
MLS # 2010626
Property Type Condo
 

513 Timmons St Nashville, TN 37211

$179,500 - 2Br/1Ba -  for Sale in College Heights, Nashville
New
Price $179,500
Beds 2
Baths 1
Living Area SqFt 874
Status Active
MLS # 2022888
Property Type Duplex
 

105 Leake Ave Apt 63 Nashville, TN 37205

Price $179,000
Beds 1
Baths 1
Living Area SqFt 900
Status Active
MLS # 2006358
Property Type Condo
 

414 Rosedale Ave Apt 307 Nashville, TN 37211

Price $179,000
Beds 1
Baths 1
Living Area SqFt 675
Status Active Under Contract
MLS # 2011320
Property Type Condo
 

2048 Nashboro Blvd Nashville, TN 37217

Price $179,000
Beds 2
Baths 3
Living Area SqFt 1,325
Status Active Under Contract
MLS # 2017954
Property Type Condo
 

801 Inverness Ave Apt C5 Nashville, TN 37204

Price $179,000
Beds 1
Baths 1
Living Area SqFt 650
Status Active Under Contract
MLS # 2018344
Property Type Condo
 

2359 Benay Rd Nashville, TN 37214

$179,000 - 2Br/2Ba -  for Sale in River Glen, Nashville
New
Price $179,000
Beds 2
Baths 2
Living Area SqFt 869
Status Active
MLS # 2022672
Property Type Duplex
 

5747 Mount View Rd Antioch, TN 37013

Price $179,000
Beds 2
Baths 1
Living Area SqFt 674
Status Active Under Contract
MLS # 1992756
Property Type Duplex
 

4516 Packard Dr Nashville, TN 37211

Price $178,900
Beds 3
Baths 2
Living Area SqFt 1,392
Status Active
MLS # 1995770
Property Type Duplex
 

7338 Harper Rd Joelton, TN 37080

Price $178,500
Beds 3
Baths 1
Living Area SqFt 1,128
Status Active
MLS # 1987166
Property Type Duplex
 

592 Flintlock Ct Nashville, TN 37217

Price $178,000
Beds 2
Baths 3
Living Area SqFt 1,216
Status Active Under Contract
MLS # 2016463
Property Type Condo
 

3535 Bell Rd Apt 103 Nashville, TN 37214

Price $177,900
Beds 2
Baths 3
Living Area SqFt 1,130
Status Active
MLS # 2007618
Property Type Condo
 

2174 Tinnin Rd Goodlettsville, TN 37072

Price $177,500
Beds 3
Baths 2
Living Area SqFt 1,629
Status Active
MLS # 1957325
Property Type Duplex
 

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