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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942 General George Patton Rd Nashville, TN 37221

Beds 4
Baths 3
Living Area SqFt 1,968
Status Active
MLS # RTC2160734
 
 
 
 

4008 Ridgemont Dr Nashville, TN 37207

Beds 3
Baths 2
Living Area SqFt 1,512
Status Under Contract - Not Showing
MLS # RTC2155527
 
 
 
 

4010 Ridgemont Dr Nashville, TN 37207

Beds 3
Baths 1
Living Area SqFt 1,925
Status Under Contract - Not Showing
MLS # RTC2155529
 
 
 
 

7415 Sawyer Brown Rd Nashville, TN 37209

Beds 3
Baths 2
Living Area SqFt 1,683
Status Under Contract - Not Showing
MLS # RTC2155735
 
 
 
 

700 Bowfield Ct Antioch, TN 37013

Beds 3
Baths 2
Living Area SqFt 1,675
Status Under Contract - Not Showing
MLS # RTC2154040
 
 
 
 

911 Douglas Ave Nashville, TN 37206

Beds 3
Baths 1
Living Area SqFt 957
Status Active
MLS # RTC2141782
 
 
 
 

907 N 5th St Nashville, TN 37207

Beds 3
Baths 1
Living Area SqFt 1,116
Status Under Contract - Not Showing
MLS # RTC2137947
 
 
 
 

913 Douglas Ave Nashville, TN 37206

Beds 2
Baths 2
Living Area SqFt 993
Status Active
MLS # RTC2141795
 
 
 
 

8276 Old Springfield Pike Goodlettsville, TN 37072

 - 3Br/2Ba -  for Sale in W H Tinnon, Goodlettsville
Open House
Beds 3
Baths 2
Living Area SqFt 1,248
Status Under Contract - Not Showing
MLS # RTC2159569
 
 
 
 

120 Woodmont Blvd Unit N601 Nashville, TN 37205

Price $5,525,000
Beds 4
Baths 5
Living Area SqFt 6,341
Status Active
MLS # RTC2102415
 
 
 

120 Woodmont Blvd Unit S401 Nashville, TN 37205

Price $5,400,000
Beds 4
Baths 5
Living Area SqFt 6,341
Status Active
MLS # RTC2102412
 
 
 

8382 Collins Rd Nashville, TN 37221

Price $5,250,000
Beds 7
Baths 11
Living Area SqFt 12,512
Status Active
MLS # RTC2155491
 
 
 

515 Church Street Unit 4504 Unit 4504, Nashville

$5,000,000 - 3Br/4Ba -  for Sale in 505 High Rise Condominium, Nashville
New
Price $5,000,000
Beds 3
Baths 4
Living Area SqFt 3,721
Status Active
MLS # RTC2164131
 
 
 

5009 Hill Place Dr Nashville, TN 37205

Price $4,950,000
Beds 5
Baths 7
Living Area SqFt 10,350
Status Active
MLS # RTC2024922
 
 
 

4606 Shys Hill Rd Nashville, TN 37215

Price $3,800,000
Beds 5
Baths 8
Living Area SqFt 8,400
Status Active
MLS # RTC2047425
 
 
 

6097 Woodland Hills Drive Nashville, TN 37211

Price $3,700,000
Beds 5
Baths 6
Living Area SqFt 6,510
Status Active
MLS # RTC2122763
 
 
 

120 Woodmont Blvd Unit N102 Nashville, TN 37205

Price $3,375,000
Beds 3
Baths 4
Living Area SqFt 4,261
Status Active
MLS # RTC2102409
 
 
 

120 Woodmont Blvd Unit N403 Nashville, TN 37205

Price $3,300,000
Beds 3
Baths 4
Living Area SqFt 4,159
Status Active
MLS # RTC2095573
 
 
 

216 3rd Ave N Nashville, TN 37201

Price $3,250,000
Beds 6
Baths 3
Living Area SqFt 6,615
Status Under Contract - Showing
MLS # RTC2157920
 
 
 

5001 High Valley Dr Brentwood, TN 37027

Price $3,190,000
Beds 4
Baths 7
Living Area SqFt 8,188
Status Active
MLS # RTC2056511
 
 
 

225 Oceola Ave Nashville, TN 37209

Price $2,995,000
Beds 1
Baths 2
Living Area SqFt 1,000
Status Under Contract - Showing
MLS # RTC2088375
 
 
 

4024 Sunnybrook Dr Nashville, TN 37205

$2,990,000 - 6Br/8Ba -  for Sale in Green Hills, Nashville
New
Price $2,990,000
Beds 6
Baths 8
Living Area SqFt 7,914
Status Active
MLS # RTC2164370
 
 
 

808 Lynnwood Blvd Nashville, TN 37205

Price $2,950,000
Beds 5
Baths 6
Living Area SqFt 5,488
Status Active
MLS # RTC2156965
 
 
 

3444 Woodmont Blvd Nashville, TN 37215

Price $2,890,000
Beds 6
Baths 7
Living Area SqFt 6,522
Status Active
MLS # RTC2163677
 
 
 

120 Woodmont Blvd. Unit S204 Nashville, TN 37205

Price $2,875,000
Beds 2
Baths 3
Living Area SqFt 3,354
Status Under Contract - Not Showing
MLS # RTC2102426
 
 
 

120 Woodmont Blvd. Unit N301 Nashville, TN 37205

Price $2,750,000
Beds 2
Baths 3
Living Area SqFt 3,354
Status Active
MLS # RTC2102425
 
 
 

3625 Richland Ave Nashville, TN 37205

Price $2,717,530
Beds 5
Baths 9
Living Area SqFt 7,164
Status Active
MLS # RTC2141438
 
 
 

6035 River Trce Nashville, TN 37218

Price $2,699,000
Beds 4
Baths 6
Living Area SqFt 6,151
Status Active
MLS # RTC2160069
 
 
 

2804 Wimbledon Rd Nashville, TN 37215

Price $2,675,000
Beds 4
Baths 7
Living Area SqFt 7,118
Status Active
MLS # RTC2151411
 
 
 

120 Woodmont Blvd. Unit N201 Nashville, TN 37205

Price $2,650,000
Beds 2
Baths 3
Living Area SqFt 3,354
Status Active
MLS # RTC2102422
 
 
 

144 Alton Rd Nashville, TN 37205

Price $2,600,000
Beds 5
Baths 5
Living Area SqFt 5,060
Status Active
MLS # RTC2143944
 
 
 

2120 Valley Brook Rd Nashville, TN 37215

Price $2,599,999
Beds 4
Baths 6
Living Area SqFt 7,101
Status Active
MLS # RTC2160460
 
 
 

119 W Tyne Dr Nashville, TN 37205

Price $2,599,000
Beds 6
Baths 7
Living Area SqFt 6,463
Status Active
MLS # RTC2150864
 
 
 

1613 Windy Ridge Dr Brentwood, TN 37027

Price $2,599,000
Beds 4
Baths 5
Living Area SqFt 5,419
Status Active
MLS # RTC2153320
 
 
 

115 Page Rd Nashville, TN 37205

Price $2,585,000
Beds 5
Baths 7
Living Area SqFt 6,780
Status Active
MLS # RTC2139830
 
 
 

731 Summerly Dr Nashville, TN 37209

Price $2,559,000
Beds 5
Baths 7
Living Area SqFt 6,617
Status Active
MLS # RTC2145796
 
 
 

120 Woodmont Blvd. Unit S201 Nashville, TN 37205

Price $2,550,000
Beds 2
Baths 3
Living Area SqFt 3,354
Status Active
MLS # RTC2095576
 
 
 

120 Woodmont Blvd. Unit S203 Nashville, TN 37205

Price $2,550,000
Beds 2
Baths 3
Living Area SqFt 3,354
Status Active
MLS # RTC2102419
 
 
 

120 Woodmont Blvd. Unit N203 Nashville, TN 37205

Price $2,550,000
Beds 2
Baths 3
Living Area SqFt 3,354
Status Active
MLS # RTC2102428
 
 
 

1202 Robinson Rd Old Hickory, TN 37138

Price $2,500,000
Beds 4
Baths 4
Living Area SqFt 6,580
Status Active
MLS # RTC2054054
 
 
 

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