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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209 Maplewood Trce Nashville, TN 37207

Price $194,900
Beds 3
Baths 1
Living Area SqFt 984
Status Active
MLS # 2021940
Property Type Duplex
 

753 Fox Ridge Dr Brentwood, TN 37027

Price $194,900
Beds 2
Baths 2
Living Area SqFt 992
Status Active Under Contract
MLS # 2026398
Property Type Condo
 

933 Bracken Trl Nashville, TN 37214

Price $194,900
Beds 2
Baths 2
Living Area SqFt 1,324
Status Active Under Contract
MLS # 2028661
Property Type Condo
 

5903 Colchester Dr Hermitage, TN 37076

Price $194,900
Beds 3
Baths 2
Living Area SqFt 1,052
Status Active Under Contract
MLS # 2041184
Property Type Duplex
 

839 Todd Preis Dr Nashville, TN 37221

Price $194,500
Beds 2
Baths 1
Living Area SqFt 1,018
Status Active
MLS # 2014087
Property Type Duplex
 

4716 Volunteer Drive Antioch, TN 37013

Price $192,900
Beds 4
Baths 1
Living Area SqFt 1,100
Status Active Under Contract
MLS # 2026863
Property Type Duplex
 

936a Snow Ave Madison, TN 37115

Price $192,000
Beds 3
Baths 2
Living Area SqFt 1,289
Status Active
MLS # 1933484
Property Type Duplex
 

936b Snow Ave Madison, TN 37115

Price $192,000
Beds 3
Baths 2
Living Area SqFt 1,289
Status Active
MLS # 1933485
Property Type Duplex
 

823 Summercrest Blvd. Antioch, TN 37013

$191,990 - 3Br/3Ba -  for Sale in Autumn Glen, Antioch
Open House
Price $191,990
Beds 3
Baths 3
Living Area SqFt 1,280
Status Active
MLS # 2037485
Property Type Condo
 

1906 15th Ave N Nashville, TN 37208

Price $190,000
Beds 3
Baths 1
Living Area SqFt 1,320
Status Active
MLS # 1886779
Property Type Duplex
 

1908 15th Ave N Nashville, TN 37208

Price $190,000
Beds 3
Baths 1
Living Area SqFt 1,178
Status Active
MLS # 1886783
Property Type Duplex
 

233 Panamint Dr Antioch, TN 37013

Price $190,000
Beds 4
Baths 3
Living Area SqFt 1,468
Status Active
MLS # 2010881
Property Type Duplex
 

1520 14th Ave N Nashville, TN 37208

Price $190,000
Beds 3
Baths 1
Living Area SqFt 1,288
Status Active
MLS # 2031142
Property Type Duplex
 

1428 Mohawk Trail Madison, TN 37115

Price $190,000
Beds 3
Baths 1
Living Area SqFt 1,047
Status Active Under Contract
MLS # 2035817
Property Type Duplex
 

1618 23rd Ave N Nashville, TN 37208

Price $190,000
Beds 5
Baths 1
Living Area SqFt 1,359
Status Active
MLS # 2041146
Property Type Duplex
 

204 Mckennell Dr Nashville, TN 37206

Price $190,000
Beds 2
Baths 1
Living Area SqFt 867
Status Active
MLS # 1934853
Property Type Duplex
 

1709 14th Ave N Nashville, TN 37208

Price $190,000
Beds 3
Baths 1
Living Area SqFt 1,201
Status Active
MLS # 2031138
Property Type Duplex
 

3529 Brookway Dr Nashville, TN 37207

$190,000 - 3Br/2Ba -  for Sale in Willow Creek, Nashville
New
Price $190,000
Beds 3
Baths 2
Living Area SqFt 1,200
Status Active
MLS # 2041866
Property Type Condo
 

3531 Brookway Nashville, TN 37207

$190,000 - 3Br/2Ba -  for Sale in Williw Creek, Nashville
New
Price $190,000
Beds 3
Baths 2
Living Area SqFt 1,200
Status Active
MLS # 2041875
Property Type Condo
 

510 Gay St Apt 503 Nashville, TN 37219

Price $189,900
Beds 1
Baths 1
Living Area SqFt 594
Status Active Under Contract
MLS # 2012251
Property Type Condo
 

1012 Stockell St Nashville, TN 37207

Price $189,900
Beds 3
Baths 1
Living Area SqFt 950
Status Active Under Contract
MLS # 2034150
Property Type Duplex
 

901 Aladdin Dr Nashville, TN 37217

Price $189,900
Beds 2
Baths 1
Living Area SqFt 864
Status Active
MLS # 2037596
Property Type Duplex
 

640 Cheryl Ave Madison, TN 37115

$189,900 - 2Br/1Ba -  for Sale in Rainbow Terrace, Madison
New
Price $189,900
Beds 2
Baths 1
Living Area SqFt 760
Status Active
MLS # 2041867
Property Type Duplex
 

1077 E Trinity Ln Nashville, TN 37216

Price $189,900
Beds 1
Baths 1
Living Area SqFt 619
Status Active
MLS # 1976740
Property Type Condo
 

216 Duling Ave Madison, TN 37115

Price $189,900
Beds 3
Baths 2
Living Area SqFt 1,000
Status Active
MLS # 2040575
Property Type Duplex
 

2088 Nashboro Blvd Nashville, TN 37217

Price $189,000
Beds 2
Baths 3
Living Area SqFt 1,435
Status Active Under Contract
MLS # 2028874
Property Type Condo
 

656 Flintlock Ct Nashville, TN 37217

Price $189,000
Beds 2
Baths 3
Living Area SqFt 1,216
Status Active Under Contract
MLS # 2040338
Property Type Condo
 

4425 Westlawn Dr Apt C102 Nashville, TN 37209

Price $188,800
Beds 1
Baths 1
Living Area SqFt 676
Status Active
MLS # 2011111
Property Type Condo
 

513 Forest Pointe Pl Antioch, TN 37013

Price $188,000
Beds 2
Baths 2
Living Area SqFt 1,353
Status Active
MLS # 2039452
Property Type Condo
 

5510 Country Drive Apt 129 Nashville, TN 37211

Price $187,999
Beds 3
Baths 3
Living Area SqFt 1,520
Status Active Under Contract
MLS # 2018189
Property Type Condo
 

750 Bradburn Village Way #222 Antioch, TN 37013

Price $187,990
Beds 2
Baths 3
Living Area SqFt 1,307
Status Active
MLS # 2038722
Property Type Condo
 

748 Bradburn Village Way #223 Antioch, TN 37013

Price $187,990
Beds 2
Baths 3
Living Area SqFt 1,307
Status Active
MLS # 2038724
Property Type Condo
 

1640 54th Ave N #129 Nashville, TN 37209

Price $187,353
Beds 1
Baths 1
Living Area SqFt 703
Status Active Under Contract
MLS # 2001751
Property Type Condo
 

3535 Bell Rd Apt 502 Nashville, TN 37214

Price $186,000
Beds 2
Baths 3
Living Area SqFt 1,130
Status Active Under Contract
MLS # 2038429
Property Type Condo
 

3216 Spears Rd Nashville, TN 37207

Price $185,900
Beds 3
Baths 2
Living Area SqFt 1,450
Status Active
MLS # 1991891
Property Type Duplex
 

646 Flintlock Ct Nashville, TN 37217

Price $185,900
Baths 1
Living Area SqFt 1,216
Status Active Under Contract
MLS # 2034562
Property Type Condo
 
 

1418 Pawnee Trl Madison, TN 37115

Price $185,500
Beds 3
Baths 2
Living Area SqFt 1,062
Status Active
MLS # 2041656
Property Type Duplex
 

1822 Cephas St Nashville, TN 37208

Price $185,000
Beds 3
Baths 2
Living Area SqFt 1,289
Status Active
MLS # 1933312
Property Type Duplex
 

1001 11th Ave N Nashville, TN 37208

Price $185,000
Beds 3
Baths 2
Living Area SqFt 1,289
Status Active Under Contract
MLS # 1933316
Property Type Duplex
 

34 Shepard St Nashville, TN 37210

Price $185,000
Beds 3
Baths 2
Living Area SqFt 1,289
Status Active Under Contract
MLS # 1933327
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