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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1103 Elliston St Old Hickory, TN 37138

Price $129,900
Beds 3
Baths 1
Living Area SqFt 960
Status Active
MLS # 1935256
Property Type Residential
 

612 Castlegate Dr Nashville, TN 37217

Price $129,900
Beds 2
Baths 2
Living Area SqFt 1,056
Status Active
MLS # 1981255
Property Type Residential
 

1304 Bellshire Terrace Dr Nashville, TN 37209

Price $128,000
Beds 2
Baths 1
Living Area SqFt 912
Status Active
MLS # 1974380
Property Type Residential
 

2318 Lloyd Ave Nashville, TN 37218

Price $126,900
Beds 2
Baths 1
Living Area SqFt 998
Status Active
MLS # 1979518
Property Type Residential
 

420 Walton Ln Apt G31 Madison, TN 37115

Price $126,500
Beds 2
Baths 2
Living Area SqFt 1,080
Status Active Under Contract
MLS # 1981154
Property Type Condo
 

1021 College Ave Nashville, TN 37209

Price $125,900
Beds 4
Baths 2
Living Area SqFt 2,601
Status Active
MLS # 1944488
Property Type Residential
 

420 Elysian Fields Rd Apt C8 Nashville, TN 37211

Price $124,995
Beds 2
Baths 2
Living Area SqFt 936
Status Active
MLS # 1976100
Property Type Condo
 

6680 Charlotte Pike Apt J4 Nashville, TN 37209

Price $122,500
Beds 2
Baths 1
Living Area SqFt 963
Status Active Under Contract
MLS # 1944442
Property Type Condo
 

817 Gibson Dr Madison, TN 37115

Price $121,000
Beds 2
Baths 1
Living Area SqFt 912
Status Active
MLS # 1952530
Property Type Residential
 

1309 13th St Old Hickory, TN 37138

Price $120,000
Beds 3
Baths 2
Living Area SqFt 1,560
Status Active
MLS # 1982000
Property Type Residential
 

613 Longhunter Ct Nashville, TN 37217

Price $119,900
Beds 2
Baths 2
Living Area SqFt 1,276
Status Active
MLS # 1962439
Property Type Condo
 

26 Sycamore Ct Antioch, TN 37013

Price $119,900
Beds 2
Baths 3
Living Area SqFt 1,284
Status Active
MLS # 1982743
Property Type Condo
 

4010 Indiana Ave Nashville, TN 37209

$119,900 - 3Br/1Ba -  for Sale in Clifton, Nashville
New
Price $119,900
Beds 3
Baths 1
Living Area SqFt 1,092
Status Active
MLS # 1988413
Property Type Residential
 

422 Shady Stoneway Madison, TN 37115

Price $119,000
Beds 3
Baths 1
Living Area SqFt 955
Status Active
MLS # 1984754
Property Type Residential
 

403 Raintree Pl Hermitage, TN 37076

$117,500 - 3Br/2Ba -  for Sale in Hermitage Woods, Hermitage
New
Price $117,500
Beds 3
Baths 2
Living Area SqFt 1,368
Status Active
MLS # 1988462
Property Type Condo
 

555 N Dupont Ave # 96 Madison, TN 37115

Price $112,999
Beds 2
Baths 2
Living Area SqFt 1,110
Status Active
MLS # 1965398
Property Type Condo
 

212 Raintree Dr Hermitage, TN 37076

Price $110,000
Beds 3
Baths 3
Living Area SqFt 1,918
Status Active
MLS # 1965302
Property Type Condo
 

112 Lake Forest Ct Nashville, TN 37217

Price $110,000
Beds 3
Baths 2
Living Area SqFt 1,220
Status Active Under Contract
MLS # 1978016
Property Type Condo
 

1619 24th Ave N N, Nashville

Price $110,000
Beds 2
Baths 3
Living Area SqFt 910
Status Active
MLS # 1963366
Property Type Residential
 

131 Coventry Woods Dr Madison, TN 37115

Price $109,900
Beds 2
Baths 2
Living Area SqFt 1,122
Status Active
MLS # 1972855
Property Type Condo
 

3024 Mossdale Dr Antioch, TN 37013

Price $108,000
Beds 2
Baths 2
Living Area SqFt 1,104
Status Active Under Contract
MLS # 1968528
Property Type Residential
 

2420 Stivers St Nashville, TN 37218

Price $105,000
Beds 3
Baths 1
Living Area SqFt 1,086
Status Active Under Contract
MLS # 1981599
Property Type Residential
 

3225 Indiana Ave Nashville, TN 37209

Price $105,000
Beds 3
Baths 1
Living Area SqFt 1,000
Status Active
MLS # 1975377
Property Type Residential
 

370 Wallace Rd Apt D20 Nashville, TN 37211

Price $104,900
Beds 2
Baths 1
Living Area SqFt 972
Status Active
MLS # 1985277
Property Type Condo
 

420 Walton Ln Apt I50 Madison, TN 37115

Price $99,900
Beds 1
Baths 1
Living Area SqFt 652
Status Active
MLS # 1974989
Property Type Condo
 

555 N Dupont Ave Apt C65 Madison, TN 37115

$95,000 - 2Br/1Ba -  for Sale in Madison Park, Madison
New
Price $95,000
Beds 2
Baths 1
Living Area SqFt 968
Status Active
MLS # 1988356
Property Type Condo
 

6435 Old Clarksville Pike Joelton, TN 37080

Price $89,900
Beds 2
Baths 2
Living Area SqFt 1,476
Status Active
MLS # 1945871
Property Type Residential
 

5662 Clarksville Pike Joelton, TN 37080

Price $86,900
Beds 3
Baths 1
Living Area SqFt 1,156
Status Active
MLS # 1985148
Property Type Residential
 

323 Forrest Park Rd Apt 6-6 Madison, TN 37115

Price $79,900
Beds 2
Baths 2
Living Area SqFt 1,050
Status Active
MLS # 1972659
Property Type Condo
 

4222 Old Hickory Blvd Old Hickory, TN 37138

$79,900 - 2Br/1Ba -  for Sale in Berryville, Old Hickory
New
Price $79,900
Beds 2
Baths 1
Living Area SqFt 901
Status Active
MLS # 1988670
Property Type Residential
 

441 Harding Pl Apt B4 Nashville, TN 37211

Price $78,000
Beds 2
Baths 1
Living Area SqFt 875
Status Active
MLS # 1981887
Property Type Condo
 

441 Harding Pl Apt A15 Nashville, TN 37211

Price $69,000
Beds 2
Baths 1
Living Area SqFt 875
Status Active
MLS # 1982077
Property Type Condo
 

323 Forrest Park Rd Apt 1-21 Madison, TN 37115

Price $57,000
Beds 1
Baths 1
Living Area SqFt 621
Status Active
MLS # 1982354
Property Type Condo
 

323 Forrest Park Rd Apt 1-17 Madison, TN 37115

Price $57,000
Beds 1
Baths 1
Living Area SqFt 621
Status Active
MLS # 1982387
Property Type Condo
 

441 Harding Pl Apt E8 Nashville, TN 37211

Price $54,000
Beds 1
Baths 2
Living Area SqFt 625
Status Active
MLS # 1984019
Property Type Condo
 

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