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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4803 Belmont Park Ter Nashville, TN 37215

Price $2,399,000
Beds 5
Baths 6
Living Area SqFt 6,488
Status Active
MLS # RTC2133961
 
 
 

4822 Post Rd Nashville, TN 37205

Price $2,375,000
Beds 5
Baths 9
Living Area SqFt 9,412
Status Active
MLS # RTC2150614
 
 
 

4909 Maymanor Cir Nashville, TN 37205

Price $2,350,000
Beds 6
Baths 7
Living Area SqFt 6,879
Status Active
MLS # RTC2141939
 
 
 

120 Woodmont Blvd Unit N402 Nashville, TN 37205

Price $2,275,000
Beds 2
Baths 3
Living Area SqFt 2,561
Status Active
MLS # RTC2102448
 
 
 

120 Woodmont Blvd Unit N401 Nashville, TN 37205

Price $2,250,000
Beds 2
Baths 3
Living Area SqFt 2,500
Status Active
MLS # RTC2102430
 
 
 

3442 Golf Club Ln Nashville, TN 37215

Price $2,250,000
Beds 5
Baths 9
Living Area SqFt 6,592
Status Active
MLS # RTC2148260
 
 
 

120 Woodmont Blvd Unit S302 Nashville, TN 37205

Price $2,225,000
Beds 2
Baths 3
Living Area SqFt 2,561
Status Active
MLS # RTC2102447
 
 
 

3542 Richland Ave (#3542) Nashville, TN 37205

Price $2,216,400
Beds 5
Baths 7
Living Area SqFt 6,150
Status Active
MLS # RTC2094499
 
 
 

3538 Richland Ave (#3538) Nashville, TN 37205

Price $2,200,675
Beds 5
Baths 8
Living Area SqFt 6,136
Status Active
MLS # RTC2094498
 
 
 

515 Church Street #3112 Unit 3112, Nashville

Price $2,200,000
Beds 2
Baths 3
Living Area SqFt 2,525
Status Active
MLS # RTC2102733
 
 
 

515 Church Street #3412 Unit 3412, Nashville

Price $2,200,000
Beds 2
Baths 3
Living Area SqFt 2,525
Status Active
MLS # RTC2102753
 
 
 

515 Church Street #3312 Unit 3312, Nashville

Price $2,200,000
Beds 2
Baths 3
Living Area SqFt 2,525
Status Active
MLS # RTC2125434
 
 
 

515 Church Street #3212 Unit 3212, Nashville

Price $2,200,000
Beds 2
Baths 3
Living Area SqFt 2,525
Status Active
MLS # RTC2134777
 
 
 

109 Taggart Ave Nashville, TN 37205

Price $2,200,000
Beds 5
Baths 6
Living Area SqFt 5,676
Status Under Contract - Showing
MLS # RTC2141250
 
 
 

3604 Richland Ave Nashville, TN 37205

Price $2,199,999
Beds 5
Baths 7
Living Area SqFt 6,428
Status Active
MLS # RTC2134102
 
 
 

200 Ensworth Ave Nashville, TN 37205

Price $2,199,900
Beds 5
Baths 6
Living Area SqFt 6,082
Status Under Contract - Showing
MLS # RTC2080385
 
 
 

4510 Glendale Pl Nashville, TN 37215

Price $2,199,000
Beds 5
Baths 6
Living Area SqFt 6,163
Status Active
MLS # RTC2135742
 
 
 

135 Alton Rd Nashville, TN 37205

Price $2,195,000
Beds 5
Baths 6
Living Area SqFt 5,607
Status Active
MLS # RTC2128023
 
 
 

120 Woodmont Blvd Unit N302 Nashville, TN 37205

Price $2,150,000
Beds 2
Baths 3
Living Area SqFt 2,561
Status Active
MLS # RTC2102436
 
 
 

4001 Iroquois Ave Nashville, TN 37205

Price $2,149,000
Beds 5
Baths 7
Living Area SqFt 6,974
Status Active
MLS # RTC2141781
 
 
 

3534 Richland Ave. (#3534) Nashville, TN 37205

Price $2,131,368
Beds 5
Baths 8
Living Area SqFt 5,972
Status Active
MLS # RTC2053777
 
 
 

3546 Richland Ave Nashville, TN 37205

Price $2,103,258
Beds 5
Baths 8
Living Area SqFt 6,045
Status Under Contract - Not Showing
MLS # RTC2122291
 
 
 

120 Woodmont Blvd Unit N202 Nashville, TN 37205

Price $2,100,000
Beds 2
Baths 3
Living Area SqFt 2,561
Status Active
MLS # RTC2102434
 
 
 

1025b Battery Lane Nashville, TN 37220

Price $2,099,000
Beds 5
Baths 5
Living Area SqFt 5,584
Status Active
MLS # RTC2149298
 
 
 

1712 Rosewood Ave Nashville, TN 37212

Price $2,095,000
Beds 5
Baths 7
Living Area SqFt 6,950
Status Active
MLS # RTC2150153
 
 
 

746 Benton Ave Nashville, TN 37204

Price $2,000,000
Beds 7
Baths 7
Living Area SqFt 9,150
Status Active
MLS # RTC2092404
 
 
 

3901 Ivy Dr Nashville, TN 37216

Price $1,999,900
Beds 5
Baths 4
Living Area SqFt 3,670
Status Under Contract - Showing
MLS # RTC2063638
 
 
 

4309a Sneed Road Nashville, TN 37215

Price $1,999,900
Beds 6
Baths 6
Living Area SqFt 7,508
Status Active
MLS # RTC2147598
 
 
 

3901 Trimble Rd Nashville, TN 37215

Price $1,999,500
Beds 6
Baths 6
Living Area SqFt 5,566
Status Active
MLS # RTC2141371
 
 
 

4017 Wallace Ln Nashville, TN 37215

Price $1,999,000
Beds 5
Baths 6
Living Area SqFt 6,733
Status Active
MLS # RTC2135329
 
 
 

3506 Hopkins St Nashville, TN 37215

Price $1,999,000
Beds 5
Baths 5
Living Area SqFt 5,132
Status Active
MLS # RTC2152319
 
 
 

1423 Richland Woods Ln Brentwood, TN 37027

Price $1,989,000
Beds 6
Baths 7
Living Area SqFt 7,157
Status Under Contract - Not Showing
MLS # RTC2107595
 
 
 

701 Cantrell Ave Nashville, TN 37215

Price $1,975,000
Beds 5
Baths 7
Living Area SqFt 5,457
Status Under Contract - Showing
MLS # RTC2131628
 
 
 

1608 Windy Ridge Dr Brentwood, TN 37027

Price $1,950,000
Beds 4
Baths 5
Living Area SqFt 4,773
Status Under Contract - Showing
MLS # RTC2121368
 
 
 

836 Bradford Ave Nashville, TN 37204

Price $1,950,000
Beds 6
Baths 6
Living Area SqFt 6,381
Status Active
MLS # RTC2130661
 
 
 

120 Woodmont Blvd Unit S101 Nashville, TN 37205

Price $1,925,000
Beds 2
Baths 3
Living Area SqFt 2,463
Status Active
MLS # RTC2100819
 
 
 

3700 Murfreesboro Pike Antioch, TN 37013

Price $1,900,000
Beds 6
Baths 4
Living Area SqFt 5,878
Status Under Contract - Not Showing
MLS # RTC2018502
 
 
 

124 Taggart Ave Nashville, TN 37205

Price $1,899,900
Beds 4
Baths 6
Living Area SqFt 5,376
Status Active
MLS # RTC2126388
 
 
 

902 Dorset Drive Nashville, TN 37215

Price $1,899,000
Beds 5
Baths 6
Living Area SqFt 5,687
Status Active
MLS # RTC2146229
 
 
 

3619 West End Ave Unit 3619 Nashville, TN 37205

Price $1,890,000
Beds 3
Baths 5
Living Area SqFt 5,051
Status Active
MLS # RTC2144202
 
 
 

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