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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8235 Old Pond Creek Rd Pegram, TN 37143

$157,000 - 2Br/1Ba -  for Sale in None, Pegram
New
Price $157,000
Beds 2
Baths 1
Living Area SqFt 925
Status Active
MLS # 2022105
Property Type Duplex
 

3600 Hillsboro Pike Apt D1 Nashville, TN 37215

Price $156,900
Beds 1
Baths 1
Living Area SqFt 600
Status Active
MLS # 2007146
Property Type Condo
 

2312 Whites Creek Pike Nashville, TN 37207

Price $155,000
Status Active
MLS # 2008906
Property Type Duplex
 
 
 
 

1324 Massman Dr Nashville, TN 37217

Price $155,000
Beds 2
Baths 3
Living Area SqFt 1,160
Status Active
MLS # 1999406
Property Type Condo
 

1133 Mcalpine Ave Nashville, TN 37216

Price $155,000
Beds 3
Baths 2
Living Area SqFt 1,073
Status Active
MLS # 2013486
Property Type Duplex
 

523 Williamsburg Dr Nashville, TN 37214

Price $155,000
Beds 2
Baths 2
Living Area SqFt 1,207
Status Active
MLS # 1997583
Property Type Condo
 

405 Claircrest Dr Antioch, TN 37013

Price $155,000
Beds 2
Baths 3
Living Area SqFt 1,236
Status Active Under Contract
MLS # 2014368
Property Type Condo
 

1106 Tara Ann Ct Nashville, TN 37217

Price $154,999
Beds 2
Baths 2
Living Area SqFt 1,020
Status Active Under Contract
MLS # 2014618
Property Type Duplex
 

3415 W End Ave # E-1009 Nashville, TN 37203

Price $154,900
Beds 1
Baths 1
Living Area SqFt 350
Status Active
MLS # 2018224
Property Type Condo
 

2601 Hillsboro Pike Apt L7 Nashville, TN 37212

Price $152,000
Beds 1
Baths 1
Living Area SqFt 600
Status Active
MLS # 1983358
Property Type Condo
 

21 Vaughns Gap Rd Apt 64 Nashville, TN 37205

Price $150,900
Beds 2
Baths 1
Living Area SqFt 960
Status Active
MLS # 2005374
Property Type Condo
 

2347 Cooper Ter Nashville, TN 37216

Price $150,000
Beds 2
Baths 1
Living Area SqFt 744
Status Active
MLS # 1991607
Property Type Duplex
 

4001 Anderson Rd Unit O41 Nashville, TN 37217

Price $150,000
Beds 2
Baths 2
Living Area SqFt 1,560
Status Active
MLS # 1978383
Property Type Condo
 

1107 Waggoner Ct. W. Nashville, TN 37214

$150,000 - 2Br/2Ba -  for Sale in Patio Villa, Nashville
New
Price $150,000
Beds 2
Baths 2
Living Area SqFt 1,020
Status Active
MLS # 2022091
Property Type Duplex
 

2814 Torbett St Nashville, TN 37209

Price $150,000
Beds 2
Baths 1
Living Area SqFt 1,080
Status Active Under Contract
MLS # 2005573
Property Type Duplex
 

145 Ellington Pl Madison, TN 37115

$149,950 - 2Br/2Ba -  for Sale in Ellington Place, Madison
New
Price $149,950
Beds 2
Baths 2
Living Area SqFt 1,254
Status Active
MLS # 2021677
Property Type Condo
 

546 Flintlock Ct Nashville, TN 37217

Price $149,941
Beds 2
Baths 3
Living Area SqFt 1,216
Status Active Under Contract
MLS # 2001740
Property Type Condo
 

1301 Neelys Bend # 54 Madison, TN 37115

Price $149,900
Beds 3
Baths 3
Living Area SqFt 1,396
Status Active Under Contract
MLS # 2012285
Property Type Condo
 

822 Beazer Ln Antioch, TN 37013

Price $149,900
Beds 2
Baths 2
Living Area SqFt 1,109
Status Active Under Contract
MLS # 1983927
Property Type Condo
 

4752 Miners Cv Antioch, TN 37013

$149,900 - 2Br/1Ba -  for Sale in Terragon Trails, Antioch
New
Price $149,900
Beds 2
Baths 1
Living Area SqFt 888
Status Active
MLS # 2022440
Property Type Duplex
 

643 Bixler Ave Madison, TN 37115

Price $149,900
Beds 3
Baths 1
Living Area SqFt 1,000
Status Active Under Contract
MLS # 2007872
Property Type Duplex
 

1917 Dabbs Ave Nashville, TN 37217

Price $149,900
Beds 3
Baths 1
Living Area SqFt 950
Status Active
MLS # 2012264
Property Type Duplex
 

210 Old Hickory Blvd. Apt 33 Nashville, TN 37221

Price $149,900
Beds 1
Baths 2
Living Area SqFt 720
Status Active
MLS # 2014347
Property Type Condo
 

4000 Anderson Rd Apt 44 Nashville, TN 37217

Price $149,500
Beds 3
Baths 3
Living Area SqFt 1,480
Status Active Under Contract
MLS # 2015253
Property Type Condo
 

605 Hickory Glade Ct Antioch, TN 37013

Price $149,500
Beds 2
Baths 2
Living Area SqFt 1,122
Status Active
MLS # 2018898
Property Type Condo
 

3222 Crowe Dr Nashville, TN 37218

Price $149,000
Beds 3
Baths 1
Living Area SqFt 975
Status Active
MLS # 2000287
Property Type Duplex
 

4001 Anderson Rd Unit B129 Nashville, TN 37217

Price $149,000
Beds 2
Baths 2
Living Area SqFt 1,353
Status Active
MLS # 2007854
Property Type Condo
 

810 Bellevue Road Nashville, TN 37221

Price $148,900
Beds 2
Baths 1
Living Area SqFt 912
Status Active
MLS # 2020275
Property Type Condo
 

5510 Country Dr Apt 3 Nashville, TN 37211

Price $145,900
Beds 3
Baths 3
Living Area SqFt 1,480
Status Active Under Contract
MLS # 1998192
Property Type Condo
 

312 Hooper Ct Nashville, TN 37211

Price $145,000
Beds 2
Baths 2
Living Area SqFt 888
Status Active
MLS # 2009982
Property Type Duplex
 

214 Old Hickory Blvd Apt 136 Nashville, TN 37221

Price $145,000
Beds 1
Baths 2
Living Area SqFt 720
Status Active
MLS # 2019181
Property Type Condo
 

2197 Nolensville Pike Apt 217 Nashville, TN 37211

Price $144,900
Beds 1
Baths 1
Living Area SqFt 510
Status Active
MLS # 2001327
Property Type Condo
 

810 Bellevue Rd Apt 268 Nashville, TN 37221

Price $142,000
Beds 2
Baths 1
Living Area SqFt 912
Status Active Under Contract
MLS # 2008589
Property Type Condo
 

500 Paragon Mills Rd Apt M10 Nashville, TN 37211

Price $139,900
Beds 2
Baths 1
Living Area SqFt 950
Status Active Under Contract
MLS # 2006594
Property Type Condo
 

910 Shelby Ave Apt 203 Nashville, TN 37206

Price $139,900
Beds 1
Baths 1
Living Area SqFt 535
Status Active
MLS # 2015664
Property Type Duplex
 

8150 Lenox Creekside Dr Unit 13 Antioch, TN 37013

Price $139,900
Beds 1
Baths 1
Living Area SqFt 757
Status Active
MLS # 1987287
Property Type Condo
 

910 Shelby Ave Apt 201 Nashville, TN 37206

Price $139,900
Beds 1
Baths 1
Living Area SqFt 535
Status Active
MLS # 2015598
Property Type Duplex
 

910 Shelby Ave Apt 103 Nashville, TN 37206

Price $139,900
Beds 1
Baths 1
Living Area SqFt 535
Status Active
MLS # 2015681
Property Type Duplex
 

910 Shelby Ave Apt 101 Nashville, TN 37206

Price $139,900
Beds 1
Baths 1
Living Area SqFt 535
Status Active
MLS # 2016272
Property Type Duplex
 

939 Patricia Dr Nashville, TN 37217

Price $139,500
Beds 3
Baths 1
Living Area SqFt 1,025
Status Active Under Contract
MLS # 2005566
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