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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1109 Quail Ct W Nashville, TN 37204

Price $159,000
Beds 3
Baths 2
Living Area SqFt 1,044
Status Active Under Contract
MLS # 1944014
Property Type Condo
 

3344 Oak Trees Ct Antioch, TN 37013

Price $159,000
Beds 2
Baths 3
Living Area SqFt 1,154
Status Active
MLS # 1937880
Property Type Residential
 

1623 Cardigan Way Antioch, TN 37013

$158,900 - 2Br/3Ba -  for Sale in Provincetown, Antioch
New
Price $158,900
Beds 2
Baths 3
Living Area SqFt 1,228
Status Active
MLS # 1950623
Property Type Condo
 

3364 Oak Trees Court Antioch, TN 37013

Price $158,900
Beds 2
Baths 2
Living Area SqFt 1,017
Status Active
MLS # 1948947
Property Type Residential
 

112 Mcmurray Cir Nashville, TN 37211

Price $158,000
Beds 2
Baths 2
Living Area SqFt 1,088
Status Active Under Contract
MLS # 1941796
Property Type Condo
 

3175 Trails End Ln Nashville, TN 37214

Price $157,900
Beds 3
Baths 2
Living Area SqFt 1,046
Status Active
MLS # 1940829
Property Type Condo
 

3175 Trails End Ln Nashville, TN 37214

Price $157,900
Beds 3
Baths 2
Living Area SqFt 1,046
Status Active
MLS # 1943410
Property Type Residential
 

214 Old Hickory Blvd Nashville, TN 37221

Price $157,500
Beds 1
Baths 2
Living Area SqFt 720
Status Active
MLS # 1937071
Property Type Condo
 

102 Mcmurray Cir Nashville, TN 37211

Price $155,000
Beds 2
Baths 2
Living Area SqFt 1,109
Status Active Under Contract
MLS # 1939001
Property Type Condo
 

2929 Selena Dr # 26 Nashville, TN 37211

Price $155,000
Beds 2
Baths 1
Living Area SqFt 1,043
Status Active Under Contract
MLS # 1939967
Property Type Condo
 

201 Acklen Park Dr Apt 2 Nashville, TN 37203

Price $155,000
Beds 1
Baths 1
Living Area SqFt 650
Status Active
MLS # 1949685
Property Type Condo
 

83 Donelson St Nashville, TN 37210

Price $155,000
Beds 3
Baths 2
Living Area SqFt 1,464
Status Active Under Contract
MLS # 1909118
Property Type Residential
 

6011 Lickton Pike Goodlettsville, TN 37072

Price $155,000
Beds 2
Baths 2
Living Area SqFt 1,400
Status Active Under Contract
MLS # 1932901
Property Type Residential
 

1007 42nd Ave N Nashville, TN 37209

Price $155,000
Beds 2
Baths 1
Living Area SqFt 800
Status Active Under Contract
MLS # 1942754
Property Type Residential
 

2202a Cabin Hill Rd Nashville, TN 37214

Price $155,000
Beds 2
Baths 2
Living Area SqFt 1,020
Status Active Under Contract
MLS # 1949891
Property Type Residential
 

1038 Heritage Dr Madison, TN 37115

Price $154,900
Beds 2
Baths 2
Living Area SqFt 1,320
Status Active
MLS # 1931003
Property Type Condo
 

2625 Old Buena Vista Pike Nashville, TN 37218

Price $154,900
Beds 4
Baths 2
Living Area SqFt 1,842
Status Active
MLS # 1922271
Property Type Residential
 

203 Pepper Ridge Circle Antioch, TN 37013

Price $154,900
Beds 2
Baths 3
Living Area SqFt 1,278
Status Active Under Contract
MLS # 1946427
Property Type Residential
 

497 Hickory Glade Dr Antioch, TN 37013

Price $154,000
Beds 2
Baths 2
Living Area SqFt 1,176
Status Active Under Contract
MLS # 1941041
Property Type Condo
 

309 Timberway Cir Nashville, TN 37214

Price $150,000
Beds 2
Baths 2
Living Area SqFt 1,174
Status Active
MLS # 1948164
Property Type Condo
 

3706 Folkstone Dr Antioch, TN 37013

Price $150,000
Beds 2
Baths 2
Living Area SqFt 1,172
Status Active
MLS # 1942403
Property Type Residential
 

3141 E Lake Drive Nashville, TN 37214

Price $150,000
Beds 3
Baths 2
Living Area SqFt 1,080
Status Active Under Contract
MLS # 1947971
Property Type Residential
 

6625 Charlotte Pike Nashville, TN 37209

Price $150,000
Beds 3
Baths 1
Living Area SqFt 1,152
Status Active
MLS # 1948778
Property Type Residential
 

6680 Charlotte Pike Apt B3 Nashville, TN 37209

Price $149,900
Beds 2
Baths 1
Living Area SqFt 963
Status Active Under Contract
MLS # 1932908
Property Type Condo
 

4225 Harding Pike Apt 205 Nashville, TN 37205

Price $149,900
Beds 1
Baths 1
Living Area SqFt 585
Status Active
MLS # 1933554
Property Type Condo
 

1016 Heritage Dr Madison, TN 37115

Price $149,900
Beds 3
Baths 3
Living Area SqFt 1,764
Status Active Under Contract
MLS # 1942777
Property Type Condo
 

1039 Heritage Dr Madison, TN 37115

$149,900 - 2Br/3Ba -  for Sale in Heritage Village Condomimi, Madison
New
Price $149,900
Beds 2
Baths 3
Living Area SqFt 1,368
Status Active
MLS # 1950978
Property Type Condo
 

834 Netherlands Dr Hermitage, TN 37076

Price $149,900
Beds 3
Baths 2
Living Area SqFt 1,134
Status Active
MLS # 1927248
Property Type Residential
 

2123 Sadler Ave Nashville, TN 37210

Price $149,000
Beds 2
Baths 1
Living Area SqFt 980
Status Active Under Contract
MLS # 1936856
Property Type Residential
 

3203 Oakview Ct Antioch, TN 37013

Price $146,900
Beds 2
Baths 3
Living Area SqFt 1,154
Status Active Under Contract
MLS # 1938425
Property Type Residential
 

1738 23rd Ave N Nashville, TN 37208

Price $145,000
Beds 2
Baths 1
Living Area SqFt 973
Status Active Under Contract
MLS # 1937909
Property Type Residential
 

4312 Baton Rouge Dr Hermitage, TN 37076

Price $144,900
Beds 2
Baths 1
Living Area SqFt 941
Status Active Under Contract
MLS # 1946000
Property Type Residential
 

1819 15th Ave N N, Nashville

Price $142,900
Beds 2
Baths 1
Living Area SqFt 1,003
Status Active
MLS # 1944516
Property Type Residential
 

4638 Wright Ave Old Hickory, TN 37138

Price $142,500
Beds 3
Baths 1
Living Area SqFt 986
Status Active
MLS # 1939765
Property Type Residential
 

810 Bellevue Rd # 195 Nashville, TN 37221

Price $142,000
Beds 2
Baths 1
Living Area SqFt 912
Status Active
MLS # 1942880
Property Type Condo
 

2835 Lake Forest Dr Nashville, TN 37217

Price $140,000
Beds 2
Baths 2
Living Area SqFt 1,220
Status Active Under Contract
MLS # 1930094
Property Type Condo
 

123 Elizabeths Ct Antioch, TN 37013

$140,000 - 2Br/2Ba -  for Sale in Sterling Wood, Antioch
New
Price $140,000
Beds 2
Baths 2
Living Area SqFt 1,092
Status Active
MLS # 1950318
Property Type Condo
 

928 Curdwood Blvd Nashville, TN 37216

Price $139,500
Beds 2
Baths 1
Living Area SqFt 777
Status Active
MLS # 1898533
Property Type Residential
 

420 Walton Lane Madison, TN 37115

Price $137,900
Beds 2
Baths 1
Living Area SqFt 975
Status Active
MLS # 1942589
Property Type Condo
 

5531 Eulala Dr Nashville, TN 37211

Price $137,000
Beds 2
Living Area SqFt 832
Status Active
MLS # 1946493
Property Type Residential
 
 

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