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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1638 54th Avenue N Unit 322 Nashville, TN 37209

Price $254,900
Beds 1
Baths 1
Living Area SqFt 643
Status Active
MLS # RTC2132506
 
 
 

1638 54th Avenue N Unit 207 Nashville, TN 37209

Price $254,900
Beds 1
Baths 1
Living Area SqFt 643
Status Under Contract - Showing
MLS # RTC2132676
 
 
 

705 Hill Bennett Cir Antioch, TN 37013

Price $254,900
Beds 3
Baths 3
Living Area SqFt 1,588
Status Under Contract - Showing
MLS # RTC2141445
 
 
 

1638 54th Ave N Unit 222 Nashville, TN 37209

Price $254,900
Beds 1
Baths 1
Living Area SqFt 643
Status Active
MLS # RTC2141639
 
 
 

110 Duke St Unit 8 Nashville, TN 37207

Price $254,900
Beds 1
Baths 1
Living Area SqFt 969
Status Active
MLS # RTC2146774
 
 
 

110 Duke St Unit 12 Nashville, TN 37207

Price $254,900
Beds 1
Baths 1
Living Area SqFt 937
Status Under Contract - Showing
MLS # RTC2149348
 
 
 

5403 Centennial Blvd Unit 203 Nashville, TN 37209

Price $254,900
Beds 1
Baths 1
Living Area SqFt 756
Status Active
MLS # RTC2150131
 
 
 

5403 Centennial Blvd Unit 303 Nashville, TN 37209

Price $254,900
Beds 1
Baths 1
Living Area SqFt 756
Status Under Contract - Showing
MLS # RTC2150134
 
 
 

4037 Farmingham Woods Dr Hermitage, TN 37076

Price $254,900
Beds 3
Baths 3
Living Area SqFt 1,423
Status Under Contract - Showing
MLS # RTC2153018
 
 
 

341 Cedarcreek Dr Nashville, TN 37211

Price $254,900
Beds 3
Baths 2
Living Area SqFt 1,872
Status Active
MLS # RTC2153977
 
 
 

2146 Bayport Ave. Old Hickory, TN 37138

Price $254,125
Beds 3
Baths 3
Living Area SqFt 1,609
Status Active
MLS # RTC2129112
 
 
 

687 Hickory Industrial Dr. Old Hickory, TN 37138

Price $254,125
Beds 3
Baths 3
Living Area SqFt 1,609
Status Active
MLS # RTC2133761
 
 
 

2148 Bayport Ave. Old Hickory, TN 37138

$254,125 - 3Br/3Ba -  for Sale in Robinson Rowhouses, Old Hickory
New
Price $254,125
Beds 3
Baths 3
Living Area SqFt 1,609
Status Under Contract - Not Showing
MLS # RTC2156091
 
 
 

735 Tulip Grove Rd Unit 357 Hermitage, TN 37076

Price $253,900
Beds 3
Baths 3
Living Area SqFt 2,030
Status Under Contract - Showing
MLS # RTC2154657
 
 
 

2140 Bayport Ave. Old Hickory, TN 37138

Price $253,675
Beds 3
Baths 3
Living Area SqFt 1,609
Status Active
MLS # RTC2131536
 
 
 

2003 Oak Trail Drive Nolensville, TN 37135

Price $252,900
Beds 3
Baths 3
Living Area SqFt 1,541
Status Under Contract - Not Showing
MLS # RTC1809686
 
 
 

1042 Todd Preis Dr Nashville, TN 37221

Price $252,900
Beds 3
Baths 2
Living Area SqFt 1,585
Status Active
MLS # RTC2143903
 
 
 

685 Hickory Industrial Dr. Old Hickory, TN 37138

Price $252,275
Beds 3
Baths 3
Living Area SqFt 1,609
Status Under Contract - Not Showing
MLS # RTC2144830
 
 
 

689 Hickory Industrial Dr. Old Hickory, TN 37138

Price $251,900
Beds 3
Baths 3
Living Area SqFt 1,609
Status Active
MLS # RTC2134327
 
 
 

6411 Charlotte Rd Cir #301 Unit 301 Nashville, TN 37209

Price $251,900
Beds 2
Baths 2
Living Area SqFt 918
Status Under Contract - Not Showing
MLS # RTC2149754
 
 
 

926 Woodland St Unit 106 Nashville, TN 37206

Price $251,000
Beds 1
Baths 1
Living Area SqFt 811
Status Active
MLS # RTC2143488
 
 
 

7064 Paisley Wood Dr. Antioch, TN 37013

$250,140 - 3Br/2Ba -  for Sale in Heritage Landing, Antioch
New
Price $250,140
Beds 3
Baths 2
Living Area SqFt 1,459
Status Active
MLS # RTC2155124
 
 
 

92 Benzing Rd Antioch, TN 37013

Price $250,000
Beds 3
Baths 2
Living Area SqFt 1,825
Status Active
MLS # RTC2124564
 
 
 

2911 Knight Dr Nashville, TN 37207

Price $250,000
Beds 2
Baths 1
Living Area SqFt 904
Status Active
MLS # RTC2090704
 
 
 

3421 Hydes Ferry Rd Unit 1 Nashville, TN 37218

Price $250,000
Beds 2
Baths 1
Living Area SqFt 1,628
Status Active
MLS # RTC2115540
 
 
 

2635 Old Matthews Rd Nashville, TN 37207

Price $250,000
Beds 4
Baths 2
Living Area SqFt 1,582
Status Active
MLS # RTC2132834
 
 
 

412 Matthews Ct Nashville, TN 37207

Price $250,000
Beds 3
Baths 3
Living Area SqFt 1,595
Status Active
MLS # RTC2133500
 
 
 

4350 Setters Rd Nashville, TN 37218

Price $250,000
Beds 3
Baths 2
Living Area SqFt 2,252
Status Under Contract - Not Showing
MLS # RTC2139405
 
 
 

552 Griffin Circle Hermitage, TN 37076

Price $250,000
Beds 3
Baths 3
Living Area SqFt 1,642
Status Under Contract - Showing
MLS # RTC2140299
 
 
 

1612 Cumberland Station Blvd Madison, TN 37115

Price $250,000
Beds 3
Baths 3
Living Area SqFt 2,606
Status Under Contract - Not Showing
MLS # RTC2144954
 
 
 

3128 Belwood St Unit 101 Nashville, TN 37203

Price $250,000
Beds 1
Baths 1
Living Area SqFt 684
Status Under Contract - Not Showing
MLS # RTC2145690
 
 
 

5391 Swindle Rd Whites Creek, TN 37189

Price $250,000
Beds 2
Baths 1
Living Area SqFt 1,360
Status Under Contract - Not Showing
MLS # RTC2146449
 
 
 

3000 Hillsboro Pike #26 Nashville, TN 37215

Price $250,000
Beds 2
Baths 2
Living Area SqFt 1,343
Status Under Contract - Showing
MLS # RTC2146515
 
 
 

2314 Zermatt Ave Nashville, TN 37211

Price $250,000
Beds 3
Baths 3
Living Area SqFt 1,390
Status Under Contract - Not Showing
MLS # RTC2147469
 
 
 

103 Mayme Ct Madison, TN 37115

Price $250,000
Beds 3
Baths 2
Living Area SqFt 1,400
Status Active
MLS # RTC2148569
 
 
 

1445 Ardee Ave Nashville, TN 37216

Price $250,000
Beds 2
Baths 1
Living Area SqFt 1,034
Status Active
MLS # RTC2148605
 
 
 

218 Mckennell Dr Nashville, TN 37206

Price $250,000
Beds 2
Baths 1
Living Area SqFt 675
Status Active
MLS # RTC2148928
 
 
 

912 Moleah Ct Hermitage, TN 37076

Price $250,000
Beds 3
Baths 2
Living Area SqFt 1,398
Status Under Contract - Showing
MLS # RTC2149335
 
 
 

2900 Kinwood Dr Antioch, TN 37013

Price $250,000
Beds 4
Baths 2
Living Area SqFt 2,125
Status Under Contract - Not Showing
MLS # RTC2150982
 
 
 

3224 Autumn Dr Antioch, TN 37013

Price $250,000
Beds 3
Baths 3
Living Area SqFt 2,225
Status Under Contract - Showing
MLS # RTC2151214
 
 
 

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