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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736 Bradburn Village Way #229 Unit 229 Antioch, TN 37013

Price $181,990
Beds 2
Baths 3
Living Area SqFt 1,306
Status Under Contract - Not Showing
MLS # RTC2032093
 
 

1111 Ransom Way Nashville, TN 37217

Price $181,000
Beds 2
Baths 3
Living Area SqFt 1,200
Status Under Contract - Not Showing
MLS # RTC2047840
 
 

900 19th Ave S #106 Unit 106 Nashville, TN 37212

Price $181,000
Beds 1
Baths 1
Living Area SqFt 550
Status Under Contract - Not Showing
MLS # RTC2049162
 
 

5808 Couch Dr Nashville, TN 37209

Price $180,000
Beds 3
Baths 1
Living Area SqFt 899
Status Under Contract - Not Showing
MLS # RTC1910971
 
 

4013 Moss Road Antioch, TN 37013

Price $180,000
Beds 3
Baths 2
Living Area SqFt 1,072
Status Under Contract - Not Showing
MLS # RTC2045144
 
 

5631 Higdon Rd Joelton, TN 37080

Price $180,000
Beds 3
Baths 2
Living Area SqFt 1,716
Status Under Contract - Not Showing
MLS # RTC2042295
 
 

406 Gregg Ct Nashville, TN 37217

Price $180,000
Beds 2
Baths 3
Living Area SqFt 1,280
Status Under Contract - Not Showing
MLS # RTC2050148
 
 

607 Bradburn Village Circle Antioch, TN 37013

Price $180,000
Beds 2
Baths 3
Living Area SqFt 1,216
Status Under Contract - Not Showing
MLS # RTC2054053
 
 

262 Neelys Bend Rd Madison, TN 37115

Price $180,000
Beds 3
Baths 1
Living Area SqFt 1,418
Status Active
MLS # RTC2055952
 
 

755 Oakdell Ave Madison, TN 37115

Price $179,999
Beds 2
Baths 1
Living Area SqFt 792
Status Active
MLS # RTC2037410
 
 

5043 Upper Park Place #7802 Unit 7802 Antioch, TN 37013

Price $179,990
Beds 2
Baths 3
Living Area SqFt 1,203
Status Active
MLS # RTC2042413
 
 

5045 Upper Park Place #7803 Unit 7803 Antioch, TN 37013

Price $179,990
Beds 2
Baths 3
Living Area SqFt 1,203
Status Active
MLS # RTC2043403
 
 

5027 Upper Park Place #7604 Unit 7604 Antioch, TN 37013

Price $179,990
Beds 2
Baths 3
Living Area SqFt 1,203
Status Under Contract - Not Showing
MLS # RTC2043411
 
 

5023 Upper Park Place #7602 Unit 7602 Antioch, TN 37013

Price $179,990
Beds 2
Baths 3
Living Area SqFt 1,203
Status Active
MLS # RTC2053334
 
 

4665 Long Br Antioch, TN 37013

Price $179,900
Beds 3
Baths 3
Living Area SqFt 1,406
Status Under Contract - Not Showing
MLS # RTC2012641
 
 

613 Annex Ave Nashville, TN 37209

Price $179,900
Beds 2
Baths 1
Living Area SqFt 624
Status Active
MLS # RTC2018148
 
 

8688 Cub Creek Nashville, TN 37209

Price $179,900
Baths 1
Living Area SqFt 736
Status Active
MLS # RTC2020172
 
 
 

3268 Priest Woods Dr Nashville, TN 37214

Price $179,900
Beds 3
Baths 2
Living Area SqFt 1,386
Status Active
MLS # RTC2043942
 
 

324 Ocala Dr Nashville, TN 37211

Price $179,900
Beds 3
Baths 2
Living Area SqFt 1,330
Status Under Contract - Not Showing
MLS # RTC2049797
 
 

515 Lakebrink Ct Nashville, TN 37214

Price $179,900
Beds 2
Baths 3
Living Area SqFt 1,276
Status Active
MLS # RTC2051118
 
 

2226 Maplecrest Dr Nashville, TN 37214

$179,900 - 2Br/1Ba -  for Sale in Maplecrest, Nashville
New
Price $179,900
Beds 2
Baths 1
Living Area SqFt 813
Status Active
MLS # RTC2061106
 
 

1208 Massman Dr Nashville, TN 37217

Price $179,500
Beds 2
Baths 3
Living Area SqFt 1,160
Status Active
MLS # RTC2059984
 
 

5747 Mount View Rd Antioch, TN 37013

Price $179,000
Beds 2
Baths 1
Living Area SqFt 674
Status Active
MLS # RTC1992756
 
 

3610 Wells Ct Antioch, TN 37013

Price $179,000
Beds 2
Baths 2
Living Area SqFt 1,170
Status Active
MLS # RTC2053300
 
 

7003 Lenox Village Dr # B11 Nashville, TN 37211

Price $177,499
Beds 2
Baths 1
Living Area SqFt 988
Status Under Contract - Not Showing
MLS # RTC2009521
 
 

934 Governors Court #114 Antioch, TN 37013

Price $176,900
Beds 2
Baths 2
Living Area SqFt 914
Status Under Contract - Not Showing
MLS # RTC2029446
 
 

3535 Bell Rd Apt 804 Nashville, TN 37214

Price $175,900
Beds 2
Baths 3
Living Area SqFt 1,129
Status Under Contract - Not Showing
MLS # RTC2037360
 
 

401 Ashlar Cir Nashville, TN 37211

Price $175,000
Beds 3
Baths 2
Living Area SqFt 1,040
Status Active
MLS # RTC1994111
 
 

904 Split Oak Dr Antioch, TN 37013

Price $175,000
Beds 3
Baths 2
Living Area SqFt 1,623
Status Under Contract - Not Showing
MLS # RTC2013471
 
 

122 Bakertown Rd Antioch, TN 37013

Price $175,000
Beds 2
Baths 2
Living Area SqFt 1,036
Status Under Contract - Not Showing
MLS # RTC2034752
 
 

1006 Heritage Dr Madison, TN 37115

Price $175,000
Beds 3
Baths 3
Living Area SqFt 1,728
Status Under Contract - Not Showing
MLS # RTC2039078
 
 

4504 Packard Dr Nashville, TN 37211

Price $175,000
Beds 3
Baths 2
Living Area SqFt 972
Status Under Contract - Not Showing
MLS # RTC2040155
 
 

816 Beazer Ln Unit 816 Antioch, TN 37013

Price $175,000
Beds 2
Baths 2
Living Area SqFt 1,692
Status Under Contract - Not Showing
MLS # RTC2041162
 
 

4546 S Trace Blvd Old Hickory, TN 37138

Price $175,000
Beds 2
Baths 2
Living Area SqFt 1,684
Status Under Contract - Not Showing
MLS # RTC2044224
 
 

1023 Carla Ct Nashville, TN 37217

Price $175,000
Beds 2
Baths 3
Living Area SqFt 1,682
Status Under Contract - Not Showing
MLS # RTC2044552
 
 

1914 28th Ave N Nashville, TN 37208

Price $175,000
Beds 2
Baths 1
Living Area SqFt 704
Status Active
MLS # RTC2050068
 
 

903 Beavercreek Way Unit 903 Antioch, TN 37013

Price $175,000
Beds 2
Baths 3
Living Area SqFt 1,258
Status Under Contract - Not Showing
MLS # RTC2052765
 
 

246 Madison Blvd Madison, TN 37115

Price $175,000
Beds 3
Baths 1
Living Area SqFt 1,502
Status Active
MLS # RTC2057660
 
 

817 Ilawood Ct Nashville, TN 37211

Price $175,000
Beds 3
Baths 3
Living Area SqFt 2,169
Status Active
MLS # RTC2059173
 
 

214 Old Hickory Blvd Apt 157 Unit 157 Nashville, TN 37221

Price $175,000
Beds 2
Baths 2
Living Area SqFt 1,116
Status Active
MLS # RTC2059188
 
 

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