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.

Search All Nashville Listings

* Separate multiple values with comma.

Sort by:

934 Govenors Ct #104 Unit 104 Antioch, TN 37013

Price $141,900
Beds 1
Baths 1
Living Area SqFt 675
Status Active
MLS # RTC2026037
 
 

376 Tusculum Rd Nashville, TN 37211

Price $140,000
Beds 3
Baths 1
Living Area SqFt 950
Status Under Contract - Not Showing
MLS # RTC1800342
 
 

207 Lake Cv Old Hickory, TN 37138

Price $140,000
Beds 2
Baths 1
Living Area SqFt 890
Status Under Contract - Not Showing
MLS # RTC2047806
 
 

1355 Bellshire Terrace Dr Nashville, TN 37207

Price $140,000
Beds 3
Baths 2
Living Area SqFt 1,134
Status Under Contract - Not Showing
MLS # RTC2049188
 
 

596 Castlegate Dr Nashville, TN 37217

Price $139,900
Beds 3
Baths 3
Living Area SqFt 1,665
Status Under Contract - Not Showing
MLS # RTC1808449
 
 

215 Oak Grove Dr Nashville, TN 37217

Price $139,900
Beds 2
Baths 3
Living Area SqFt 1,216
Status Under Contract - Not Showing
MLS # RTC1936389
 
 

939 Patio Dr Nashville, TN 37214

Price $139,900
Beds 1
Baths 1
Living Area SqFt 913
Status Under Contract - Not Showing
MLS # RTC2051124
 
 

4664 Long Br Antioch, TN 37013

Price $139,900
Beds 3
Baths 1
Living Area SqFt 1,673
Status Active
MLS # RTC2052068
 
 

614 Cottonwood Dr Nashville, TN 37214

Price $139,900
Beds 2
Baths 1
Living Area SqFt 936
Status Active
MLS # RTC2052669
 
 

4000 Anderson Rd Apt 64 Unit 64 Nashville, TN 37217

Price $139,900
Beds 2
Baths 2
Living Area SqFt 1,218
Status Active
MLS # RTC2052909
 
 

5515 Country Dr Apt 20 Nashville, TN 37211

Price $135,000
Beds 2
Baths 2
Living Area SqFt 1,044
Status Under Contract - Not Showing
MLS # RTC2041729
 
 

420 Walton Ln Apt C11 Madison, TN 37115

Price $134,900
Beds 2
Baths 2
Living Area SqFt 1,080
Status Active
MLS # RTC2043746
 
 

3120 Ewingwood Dr Nashville, TN 37207

Price $132,000
Beds 3
Baths 1
Living Area SqFt 1,015
Status Under Contract - Not Showing
MLS # RTC2048405
 
 

504 Nichol Rd Nashville, TN 37209

Price $130,000
Living Area SqFt 652
Status Under Contract - Not Showing
MLS # RTC1997339
 
 
 
 

337 Harris St Madison, TN 37115

Price $130,000
Beds 2
Baths 1
Living Area SqFt 849
Status Under Contract - Not Showing
MLS # RTC2010410
 
 

2409 Gardner Ln Nashville, TN 37207

Price $130,000
Beds 3
Baths 2
Living Area SqFt 1,275
Status Under Contract - Not Showing
MLS # RTC2011899
 
 

105 Okee Trl Antioch, TN 37013

Price $130,000
Beds 2
Baths 2
Living Area SqFt 1,064
Status Under Contract - Not Showing
MLS # RTC2044067
 
 

58 Tusculum Rd Antioch, TN 37013

Price $130,000
Beds 4
Baths 3
Living Area SqFt 2,000
Status Under Contract - Not Showing
MLS # RTC2044139
 
 

420 Elysian Fields Rd Apt B21 Nashville, TN 37211

Price $129,997
Beds 2
Baths 2
Living Area SqFt 936
Status Active
MLS # RTC2051756
 
 

2603 Batavia St Nashville, TN 37208

Price $129,990
Beds 2
Baths 1
Living Area SqFt 855
Status Under Contract - Not Showing
MLS # RTC1893666
 
 

101 Ellington Pl Madison, TN 37115

Price $129,900
Beds 2
Baths 2
Living Area SqFt 1,110
Status Under Contract - Not Showing
MLS # RTC2043058
 
 

110 Newell Ave Old Hickory, TN 37138

Price $129,900
Beds 2
Baths 1
Living Area SqFt 1,089
Status Under Contract - Not Showing
MLS # RTC2047512
 
 

500g4 Paragon Mills Rd Apt G4 Nashville, TN 37211

Price $129,900
Beds 2
Baths 2
Living Area SqFt 986
Status Active
MLS # RTC2049415
 
 

420 Elysian Fields Rd Apt A7 Unit A7 Nashville, TN 37211

Price $128,900
Beds 2
Baths 2
Living Area SqFt 936
Status Active
MLS # RTC2040647
 
 

420 Walton Ln Apt I50 Madison, TN 37115

Price $128,900
Beds 1
Baths 1
Living Area SqFt 652
Status Active
MLS # RTC2045838
 
 

819 Longhunter Ct Nashville, TN 37217

Price $127,500
Beds 2
Baths 2
Living Area SqFt 1,040
Status Active
MLS # RTC2052835
 
 

3114b Brickdale Ln Nashville, TN 37207

Price $125,000
Beds 2
Baths 1
Living Area SqFt 768
Status Under Contract - Not Showing
MLS # RTC1994628
 
 

1723 14th Ave N N Nashville, TN 37208

Price $125,000
Beds 3
Baths 1
Living Area SqFt 1,274
Status Under Contract - Not Showing
MLS # RTC2006925
 
 

199 Woodson Ln Nashville, TN 37211

Price $125,000
Beds 3
Baths 2
Living Area SqFt 1,400
Status Active
MLS # RTC2044801
 
 

1633 25th Ave N Nashville, TN 37208

$125,000 - 2Br/1Ba -  for Sale in Georgia Industrial Realty, Nashville
New
Price $125,000
Beds 2
Baths 1
Living Area SqFt 644
Status Active
MLS # RTC2054301
 
 

613 Brentmeadow Cir Madison, TN 37115

Price $124,000
Beds 2
Baths 2
Living Area SqFt 989
Status Under Contract - Not Showing
MLS # RTC2047098
 
 

437 Edgewood Ave Nashville, TN 37207

Price $120,000
Beds 3
Baths 2
Living Area SqFt 1,152
Status Under Contract - Not Showing
MLS # RTC1975976
 
 

1301 Neelys Bend Rd # 47 Unit F47 Madison, TN 37115

Price $119,900
Beds 2
Baths 2
Living Area SqFt 1,280
Status Active
MLS # RTC2038432
 
 

211 Seneca Forest Ct Nashville, TN 37217

Price $115,000
Beds 3
Baths 3
Living Area SqFt 1,220
Status Under Contract - Not Showing
MLS # RTC1832747
 
 

2423 Alameda St Nashville, TN 37208

Price $115,000
Beds 3
Baths 1
Living Area SqFt 1,043
Status Under Contract - Not Showing
MLS # RTC1913738
 
 

124 Beech Forge Dr Antioch, TN 37013

Price $115,000
Baths 1
Living Area SqFt 1,177
Status Under Contract - Not Showing
MLS # RTC1981040
 
 
 

6680 Charlotte Pike Apt D13 Unit D13 Nashville, TN 37209

Price $115,000
Beds 1
Baths 1
Living Area SqFt 685
Status Active
MLS # RTC2014740
 
 

500 Paragon Mills Rd Apt N15 Unit N15 Nashville, TN 37211

Price $114,900
Beds 1
Baths 1
Living Area SqFt 648
Status Active
MLS # RTC2044738
 
 

500 Paragon Mills Rd Apt M12 Unit M12 Nashville, TN 37211

Price $112,900
Beds 2
Baths 1
Living Area SqFt 912
Status Under Contract - Not Showing
MLS # RTC2051169
 
 

206 Timberway Dr Unit 206 Nashville, TN 37214

Price $110,000
Beds 2
Baths 2
Living Area SqFt 1,143
Status Under Contract - Not Showing
MLS # RTC1781501
 
 

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