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 home owner insurance for your new home. Home owners 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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3609 Richland Ave. (lot #12) Nashville, TN 37205

Price $1,987,665
Beds 5
Baths 6
Living Area SqFt 4,933
Status Active
MLS # 1930152
Property Type Residential
 

313 Maybelle Ln Nashville, TN 37205

Price $1,950,000
Beds 5
Baths 5
Living Area SqFt 5,496
Status Active
MLS # 1972363
Property Type Residential
 

2305 Eastland Ave Nashville, TN 37207

Price $1,950,000
Baths 1
Living Area SqFt 2,220
Status Active
MLS # 1947882
Property Type Residential
 
 

201 Brook Hollow Rd Nashville, TN 37205

Price $1,925,000
Beds 4
Baths 4
Living Area SqFt 5,315
Status Active Under Contract
MLS # 1928002
Property Type Residential
 

5246 Brick Church Pike Goodlettsville, TN 37072

Price $1,900,900
Beds 4
Baths 5
Living Area SqFt 4,510
Status Active
MLS # 1962365
Property Type Residential
 

7926 Highway 100 Nashville, TN 37221

Price $1,900,000
Beds 9
Baths 8
Living Area SqFt 7,109
Status Active
MLS # 1938747
Property Type Residential
 

3610 Trimble Rd Nashville, TN 37215

Price $1,900,000
Beds 4
Baths 5
Living Area SqFt 6,041
Status Active Under Contract
MLS # 1969729
Property Type Residential
 

4514 Shys Hill Dr. Nashville, TN 37215

Price $1,900,000
Beds 5
Baths 7
Living Area SqFt 6,429
Status Active
MLS # 1949294
Property Type Residential
 

3420 Valley Brook Rd Nashville, TN 37215

Price $1,900,000
Beds 5
Baths 6
Living Area SqFt 6,673
Status Active
MLS # 1949809
Property Type Residential
 

600 12th Ave S. #1015 Nashville, TN 37203

Price $1,898,000
Beds 3
Baths 4
Living Area SqFt 3,856
Status Active
MLS # 1915976
Property Type Condo
 

1805 Sweetbriar Avenue Nashville, TN 37212

Price $1,895,000
Beds 6
Baths 6
Living Area SqFt 4,758
Status Active
MLS # 1931498
Property Type Residential
 

4613 Villa Green Dr Nashville, TN 37215

Price $1,895,000
Beds 5
Baths 7
Living Area SqFt 5,386
Status Active
MLS # 1968917
Property Type Residential
 

205 Leonard Ave Nashville, TN 37205

Price $1,875,000
Beds 5
Baths 8
Living Area SqFt 6,590
Status Active
MLS # 1921775
Property Type Residential
 

1514 Kirkwood Ave Nashville, TN 37212

Price $1,850,000
Beds 6
Baths 6
Living Area SqFt 5,208
Status Active
MLS # 1961586
Property Type Residential
 

3929 Woodlawn Dr Nashville, TN 37205

Price $1,849,900
Beds 6
Baths 6
Living Area SqFt 6,035
Status Active
MLS # 1945225
Property Type Residential
 

3821 West End Ave #302 Nashville, TN 37205

Price $1,849,000
Beds 2
Baths 3
Living Area SqFt 4,076
Status Active
MLS # 1948017
Property Type Condo
 

2811 Wimbledon Ave Nashville, TN 37215

Price $1,849,000
Beds 5
Baths 6
Living Area SqFt 5,930
Status Active
MLS # 1910402
Property Type Residential
 

1212 Laurel St Nashville, TN 37203

Price $1,835,000
Beds 2
Baths 3
Living Area SqFt 1,867
Status Active
MLS # 1971868
Property Type Condo
 

6029 Sedberry Rd. Nashville, TN 37205

Price $1,799,999
Beds 5
Baths 6
Living Area SqFt 5,372
Status Active
MLS # 1935864
Property Type Residential
 

125 Page Rd Nashville, TN 37205

$1,799,999 - 4Br/5Ba -  for Sale in Highlands Of Belle Meade, Nashville
New
Price $1,799,999
Beds 4
Baths 5
Living Area SqFt 5,520
Status Active Under Contract
MLS # 1973051
Property Type Residential
 

620 Monroe Street Nashville, TN 37208

Price $1,799,880
Beds 4
Baths 7
Living Area SqFt 4,707
Status Active
MLS # 1947043
Property Type Residential
 

4513 Harpeth Hills Dr Nashville, TN 37215

Price $1,795,000
Beds 5
Baths 7
Living Area SqFt 5,259
Status Active
MLS # 1946916
Property Type Residential
 

145 Alton Rd Nashville, TN 37205

Price $1,789,000
Beds 5
Baths 6
Living Area SqFt 5,351
Status Active
MLS # 1953015
Property Type Residential
 

145 Alton Rd Nashville, TN 37205

Price $1,789,000
Beds 5
Baths 6
Living Area SqFt 5,351
Status Active
MLS # 1953016
Property Type Residential
 

1 Old Club Lane Nashville, TN 37215

Price $1,775,000
Beds 4
Baths 6
Living Area SqFt 5,603
Status Active
MLS # 1945661
Property Type Residential
 

8382 Collins Rd Nashville, TN 37221

Price $1,750,000
Beds 7
Baths 11
Living Area SqFt 13,412
Status Active
MLS # 1943476
Property Type Residential
 

3517 Woodmont Blvd Nashville, TN 37215

Price $1,750,000
Beds 4
Baths 5
Living Area SqFt 6,067
Status Active
MLS # 1967271
Property Type Residential
 

4020 Sneed Rd Nashville, TN 37215

Price $1,750,000
Beds 4
Baths 5
Living Area SqFt 5,901
Status Active
MLS # 1969271
Property Type Residential
 

4913 Maymanor Cir Nashville, TN 37205

Price $1,750,000
Beds 4
Baths 6
Living Area SqFt 5,400
Status Active
MLS # 1930650
Property Type Residential
 

3609 Knollwood Rd Nashville, TN 37215

Price $1,750,000
Beds 6
Baths 6
Living Area SqFt 6,050
Status Active
MLS # 1942984
Property Type Residential
 

5061 Hill Place Dr Nashville, TN 37205

Price $1,750,000
Beds 4
Baths 4
Living Area SqFt 5,574
Status Active
MLS # 1958842
Property Type Residential
 

804 Montrose Ave Nashville, TN 37204

$1,750,000 - 6Br/6Ba -  for Sale in 12 South, Nashville
New
Price $1,750,000
Beds 6
Baths 6
Living Area SqFt 3,939
Status Active
MLS # 1971807
Property Type Residential
 

68 Old Club Ct Nashville, TN 37215

Price $1,745,000
Beds 4
Baths 6
Living Area SqFt 6,505
Status Active
MLS # 1967178
Property Type Residential
 

100 Taggart Ave Nashville, TN 37205

Price $1,725,000
Beds 5
Baths 6
Living Area SqFt 5,371
Status Active
MLS # 1952790
Property Type Residential
 

211 La Vista Dr Nashville, TN 37215

Price $1,700,000
Beds 5
Baths 6
Living Area SqFt 4,902
Status Active
MLS # 1926306
Property Type Residential
 

4208 Kirtland Rd Nashville, TN 37215

Price $1,699,999
Beds 6
Baths 5
Living Area SqFt 6,329
Status Active
MLS # 1956601
Property Type Residential
 

1404 Linden Ave Nashville, TN 37212

Price $1,699,000
Beds 6
Baths 7
Living Area SqFt 4,679
Status Active
MLS # 1960570
Property Type Residential
 

2812 Oakland Ave Nashville, TN 37212

Price $1,699,000
Beds 5
Baths 5
Living Area SqFt 4,988
Status Active
MLS # 1923888
Property Type Residential
 

3807 Brighton Rd Nashville, TN 37205

Price $1,699,000
Beds 5
Baths 6
Living Area SqFt 5,428
Status Active
MLS # 1954431
Property Type Residential
 

3805 Brighton Rd Nashville, TN 37205

Price $1,699,000
Beds 5
Baths 6
Living Area SqFt 5,364
Status Active
MLS # 1954433
Property Type Residential
 

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!

Tara Leurs, SRS, e-pro, GRI Owner/Managing Broker

Tara earned her real estate license in 2004 as a way of financing her college education and graduated from MTSU in 2005 with a major in public relations and double minor in marketing/English. She became a broker in 2013 and opened Red Lily in 2014 to create a real estate company that continually strives for honesty and integrity. With over ten years’ experience as a professional realtor, Tara's offers clients, whether they are buying or selling their home, the highest level of expertise and intention. As a Nashville native and with over a decade of experience in the local market, Tara’s expertise includes both residential and commercial real estate in and around Nashville. When not assisting someone with their dream home, she enjoys spending time with her husband Jeff, cheering on her daughters in their competitive gymnastics, and taking care of their various farm animals.

Contact Tara: Phone: (615) 424.4055 | Email: tara@redlilyre.com