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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1334d Havenbrook Drive Nashville, TN 37207

Price $211,945
Beds 3
Baths 2
Living Area SqFt 1,220
Status Active
MLS # 1930839
Property Type Residential
 

2025 Woodmont Blvd Apt 302 Nashville, TN 37215

Price $210,000
Beds 1
Baths 1
Living Area SqFt 789
Status Active
MLS # 1947473
Property Type Condo
 

124 Noel Cove Cir Hermitage, TN 37076

$210,000 - 2Br/3Ba -  for Sale in Noel Cove, Hermitage
Open House
Price $210,000
Beds 2
Baths 3
Living Area SqFt 1,395
Status Active
MLS # 1949487
Property Type Condo
 

453 London Ct Antioch, TN 37013

Price $210,000
Beds 3
Baths 3
Living Area SqFt 1,491
Status Active Under Contract
MLS # 1885826
Property Type Residential
 

949 Mallow Dr Madison, TN 37115

Price $210,000
Beds 3
Baths 3
Living Area SqFt 1,104
Status Active
MLS # 1904628
Property Type Residential
 

406 Hickory Chase Dr Madison, TN 37115

Price $210,000
Beds 4
Baths 2
Living Area SqFt 1,832
Status Active Under Contract
MLS # 1915481
Property Type Residential
 

309 Hadley Ave Old Hickory, TN 37138

Price $210,000
Beds 6
Baths 2
Living Area SqFt 1,920
Status Active Under Contract
MLS # 1919214
Property Type Residential
 

526 Elaine Ave Nashville, TN 37209

Price $210,000
Beds 2
Baths 1
Living Area SqFt 1,188
Status Active
MLS # 1939924
Property Type Residential
 

4920 Shihmen Dr Antioch, TN 37013

Price $210,000
Beds 3
Baths 2
Living Area SqFt 1,210
Status Active
MLS # 1947402
Property Type Residential
 

520 Columbus Drive Hermitage, TN 37076

Price $210,000
Beds 3
Baths 2
Living Area SqFt 1,393
Status Active
MLS # 1949096
Property Type Residential
 

61 Whitsett Rd Nashville, TN 37210

Price $209,999
Beds 3
Baths 2
Living Area SqFt 1,374
Status Active
MLS # 1933804
Property Type Residential
 

319 Huntington Ridge Dr Nashville, TN 37211

Price $209,900
Beds 3
Baths 3
Living Area SqFt 1,512
Status Active Under Contract
MLS # 1944751
Property Type Condo
 

184 Antler Ridge Cir Nashville, TN 37214

Price $209,900
Beds 2
Baths 3
Living Area SqFt 1,608
Status Active Under Contract
MLS # 1948946
Property Type Condo
 

305 W Due West Ave Madison, TN 37115

Price $209,900
Beds 4
Baths 2
Living Area SqFt 1,591
Status Active
MLS # 1924213
Property Type Residential
 

4316 Summercrest Blvd Antioch, TN 37013

Price $209,900
Beds 3
Baths 3
Living Area SqFt 1,275
Status Active
MLS # 1937668
Property Type Residential
 

4316 Summercrest Blvd Antioch, TN 37013

Price $209,900
Beds 3
Baths 3
Living Area SqFt 1,275
Status Active
MLS # 1937816
Property Type Residential
 

4316 Summercrest Blvd Antioch, TN 37013

Price $209,900
Beds 3
Baths 3
Living Area SqFt 1,275
Status Active
MLS # 1937832
Property Type Residential
 

4316 Summercrest Blvd Antioch, TN 37013

Price $209,900
Beds 3
Baths 3
Living Area SqFt 1,275
Status Active
MLS # 1939003
Property Type Residential
 

2011 Manchester Ave Nashville, TN 37218

Price $209,900
Beds 3
Baths 1
Living Area SqFt 1,309
Status Active Under Contract
MLS # 1941984
Property Type Residential
 

293 Bart Dr Antioch, TN 37013

Price $209,900
Beds 3
Baths 1
Living Area SqFt 1,050
Status Active
MLS # 1947285
Property Type Residential
 

324 Pullen Ave Nashville, TN 37207

Price $209,900
Beds 2
Baths 1
Living Area SqFt 1,236
Status Active
MLS # 1950296
Property Type Residential
 

1402 Bryan St Old Hickory, TN 37138

$209,900 - 3Br/1Ba -  for Sale in Village Of Old Hickory, Old Hickory
New
Price $209,900
Beds 3
Baths 1
Living Area SqFt 1,296
Status Active
MLS # 1952036
Property Type Residential
 

1010 Berry St Old Hickory, TN 37138

Price $209,500
Beds 3
Baths 1
Living Area SqFt 1,091
Status Active
MLS # 1944276
Property Type Residential
 

501 Lanier Dr Madison, TN 37115

Price $209,000
Beds 4
Baths 2
Living Area SqFt 1,938
Status Active
MLS # 1937508
Property Type Residential
 

437 W Bend Dr Nashville, TN 37209

Price $209,000
Beds 2
Baths 1
Living Area SqFt 1,216
Status Active
MLS # 1948464
Property Type Residential
 

3017 Richmond Hill Dr Nashville, TN 37207

Price $209,000
Beds 3
Baths 2
Living Area SqFt 1,274
Status Active
MLS # 1946662
Property Type Residential
 

3900 Stephens Ridge Way Antioch, TN 37013

Price $209,000
Beds 3
Baths 2
Living Area SqFt 1,566
Status Active Under Contract
MLS # 1947983
Property Type Residential
 

1045 Enclave Avenue Lot 48 Pleasant View, TN 37146

Price $207,930
Beds 3
Baths 3
Living Area SqFt 1,479
Status Active
MLS # 1912228
Property Type Residential
 

8213 Ramstone Way Antioch, TN 37013

Price $207,500
Beds 3
Baths 2
Living Area SqFt 1,404
Status Active Under Contract
MLS # 1946921
Property Type Residential
 

4316 Summercrest Blvd Antioch, TN 37013

Price $206,900
Beds 3
Baths 3
Living Area SqFt 1,275
Status Active
MLS # 1936705
Property Type Residential
 

4316 Summercrest Blvd Antioch, TN 37013

Price $206,400
Beds 3
Baths 3
Living Area SqFt 1,275
Status Active
MLS # 1928467
Property Type Residential
 

3109 Priest Wood Dr Nashville, TN 37214

Price $206,000
Beds 3
Baths 3
Living Area SqFt 1,666
Status Active
MLS # 1931066
Property Type Condo
 

404 Killean Ct Nashville, TN 37209

Price $205,000
Beds 2
Baths 2
Living Area SqFt 810
Status Active Under Contract
MLS # 1910060
Property Type Residential
 

5304 Eulala Dr Nashville, TN 37211

Price $205,000
Beds 3
Baths 1
Living Area SqFt 986
Status Active Under Contract
MLS # 1922101
Property Type Residential
 

195 Chilton St Nashville, TN 37211

Price $205,000
Beds 2
Baths 1
Living Area SqFt 850
Status Active
MLS # 1943313
Property Type Residential
 

308 Lallemand Ct Nashville, TN 37211

Price $205,000
Beds 3
Baths 1
Living Area SqFt 1,000
Status Active Under Contract
MLS # 1943453
Property Type Residential
 

808 Gina Brooke Ct Hermitage, TN 37076

Price $205,000
Beds 3
Baths 2
Living Area SqFt 1,159
Status Active Under Contract
MLS # 1943591
Property Type Residential
 

1335 Otay St Nashville, TN 37216

Price $205,000
Beds 2
Baths 1
Living Area SqFt 624
Status Active
MLS # 1944018
Property Type Residential
 

8330 Tecumseh Ln Antioch, TN 37013

Price $204,900
Beds 2
Baths 2
Living Area SqFt 1,296
Status Active Under Contract
MLS # 1939595
Property Type Condo
 

215 Cumberland Trce Nashville, TN 37214

Price $204,900
Beds 2
Baths 2
Living Area SqFt 1,585
Status Active Under Contract
MLS # 1942514
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