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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1805 Writers Circle (#46) Brentwood, TN 37027

Price $1,379,500
Beds 4
Baths 5
Living Area SqFt 4,164
Status Active
MLS # 1918277
Property Type Residential
 

7741 Indian Springs Dr Nashville, TN 37221

Price $1,350,000
Beds 4
Baths 3
Living Area SqFt 4,014
Status Active
MLS # 1963660
Property Type Residential
 

6610 Fleetwood Dr Nashville, TN 37209

$1,350,000 - 4Br/4Ba -  for Sale in West Meade, Nashville
New
Price $1,350,000
Beds 4
Baths 4
Living Area SqFt 3,957
Status Active
MLS # 1973570
Property Type Residential
 

2011b Overhill Dr Nashville, TN 37215

Price $1,349,900
Beds 5
Baths 6
Living Area SqFt 4,336
Status Active
MLS # 1970305
Property Type Residential
 

2470 Abbott Martin Rd Nashville, TN 37215

Price $1,349,000
Beds 5
Baths 5
Living Area SqFt 6,303
Status Active
MLS # 1963857
Property Type Residential
 

547 Close Ln Nashville, TN 37205

Price $1,329,000
Beds 4
Baths 5
Living Area SqFt 5,726
Status Active
MLS # 1900455
Property Type Residential
 

3924 Wallace Ln Nashville, TN 37215

$1,300,000 - 4Br/6Ba -  for Sale in Green Hills, Nashville
New
Price $1,300,000
Beds 4
Baths 6
Living Area SqFt 4,301
Status Active
MLS # 1973837
Property Type Residential
 

1916 Castleman Dr Nashville, TN 37215

Price $1,300,000
Beds 5
Baths 4
Living Area SqFt 4,105
Status Active
MLS # 1973432
Property Type Residential
 

1021 Summitt Ave Nashville, TN 37203

Price $1,299,900
Beds 6
Baths 6
Living Area SqFt 3,504
Status Active
MLS # 1872880
Property Type Residential
 

209 La Vista Dr Nashville, TN 37215

Price $1,299,000
Beds 4
Baths 6
Living Area SqFt 5,628
Status Active
MLS # 1927278
Property Type Residential
 

3828 Whitland Ave Nashville, TN 37205

Price $1,299,000
Beds 4
Baths 3
Living Area SqFt 3,750
Status Active Under Contract
MLS # 1959431
Property Type Residential
 

725 Hill Rd Brentwood, TN 37027

Price $1,295,000
Beds 4
Baths 3
Living Area SqFt 4,199
Status Active Under Contract
MLS # 1943348
Property Type Residential
 

3905 Abbott Martin Road Nashville, TN 37215

Price $1,295,000
Beds 4
Baths 5
Living Area SqFt 4,763
Status Active
MLS # 1972163
Property Type Residential
 

535 Close Ln Nashville, TN 37205

Price $1,295,000
Beds 4
Baths 5
Living Area SqFt 4,320
Status Active
MLS # 1962708
Property Type Residential
 

3516 Richland Ave Nashville, TN 37205

Price $1,290,000
Beds 4
Baths 4
Living Area SqFt 4,072
Status Active
MLS # 1933732
Property Type Residential
 

216 Carden Ave Nashville, TN 37205

Price $1,275,000
Beds 4
Baths 4
Living Area SqFt 4,572
Status Active
MLS # 1965856
Property Type Residential
 

113 Mockingbird Road Nashville, TN 37205

Price $1,275,000
Beds 5
Baths 3
Living Area SqFt 4,081
Status Active
MLS # 1972554
Property Type Residential
 

20 Rutledge St #107 Nashville, TN 37210

Price $1,269,900
Beds 3
Baths 4
Living Area SqFt 2,502
Status Active
MLS # 1971956
Property Type Condo
 

959 Southside Pl Nashville, TN 37203

Price $1,250,000
Beds 3
Baths 4
Living Area SqFt 2,987
Status Active
MLS # 1967733
Property Type Residential
 

511 N 14th St Nashville, TN 37206

Price $1,250,000
Beds 5
Baths 3
Living Area SqFt 4,829
Status Active
MLS # 1970140
Property Type Residential
 

1512 Tyne Blvd Nashville, TN 37215

Price $1,250,000
Beds 5
Baths 7
Living Area SqFt 4,819
Status Active
MLS # 1934945
Property Type Residential
 

1723 Glen Echo Lot #12 Nashville, TN 37215

Price $1,250,000
Beds 4
Baths 5
Living Area SqFt 4,544
Status Active
MLS # 1937409
Property Type Residential
 

2410 Belmont Nashville, TN 37212

Price $1,249,000
Beds 5
Baths 2
Living Area SqFt 3,880
Status Active
MLS # 1959795
Property Type Residential
 

3111 Overlook Dr Nashville, TN 37212

Price $1,249,000
Beds 4
Baths 5
Living Area SqFt 4,156
Status Active Under Contract
MLS # 1947422
Property Type Residential
 

5100 Boxcroft Pl Nashville, TN 37205

Price $1,249,000
Beds 4
Baths 5
Living Area SqFt 3,608
Status Active
MLS # 1963626
Property Type Residential
 

1711 Castleman Drive Nashville, TN 37215

Price $1,245,000
Beds 4
Baths 4
Living Area SqFt 3,767
Status Active Under Contract
MLS # 1891813
Property Type Residential
 

900 20th Ave S Apt 1111 Nashville, TN 37212

Price $1,225,000
Beds 2
Baths 3
Living Area SqFt 2,075
Status Active Under Contract
MLS # 1960962
Property Type Condo
 

6015 Fire Tower Rd Nashville, TN 37221

Price $1,216,000
Beds 4
Baths 3
Living Area SqFt 2,665
Status Active
MLS # 1955213
Property Type Residential
 

3735 Whitland Ave Nashville, TN 37205

Price $1,209,900
Beds 7
Baths 6
Living Area SqFt 6,079
Status Active
MLS # 1939066
Property Type Residential
 

515 Church Street #3903, Nashville

Price $1,205,000
Beds 2
Baths 2
Living Area SqFt 1,334
Status Active
MLS # 1968373
Property Type Condo
 

620 Cheron Rd (creative Way) Madison, TN 37115

Price $1,200,000
Beds 4
Baths 1
Living Area SqFt 1,514
Status Active
MLS # 1947582
Property Type Residential
 

3611 Meadow Dr Nashville, TN 37215

Price $1,200,000
Beds 3
Baths 3
Living Area SqFt 4,074
Status Active Under Contract
MLS # 1965151
Property Type Residential
 

1108 Paris Ave Nashville, TN 37204

$1,200,000 - 3Br/3Ba -  for Sale in Wedgewood/waverly-belmont, Nashville
New
Price $1,200,000
Beds 3
Baths 3
Living Area SqFt 3,256
Status Active
MLS # 1973646
Property Type Residential
 

900 20th Ave S Apt 1611 Nashville, TN 37212

Price $1,199,900
Beds 2
Baths 3
Living Area SqFt 2,075
Status Active
MLS # 1969642
Property Type Condo
 

1809 Castleman Dr Nashville, TN 37215

Price $1,199,900
Beds 4
Baths 5
Living Area SqFt 3,809
Status Active
MLS # 1969186
Property Type Residential
 

2006 Lombardy Ave Nashville, TN 37205

Price $1,199,800
Beds 5
Baths 4
Living Area SqFt 4,304
Status Active Under Contract
MLS # 1961447
Property Type Residential
 

1912 Lombardy Ave Nashville, TN 37215

Price $1,199,000
Beds 4
Baths 4
Living Area SqFt 4,577
Status Active
MLS # 1941397
Property Type Residential
 

3800 Abbott Martin Rd Nashville, TN 37215

Price $1,195,000
Beds 4
Baths 4
Living Area SqFt 4,631
Status Active Under Contract
MLS # 1914862
Property Type Residential
 

4601 Granny White Pike Nashville, TN 37220

$1,195,000 - 5Br/4Ba -  for Sale in The Cottages At 4601/4603, Nashville
New
Price $1,195,000
Beds 5
Baths 4
Living Area SqFt 4,118
Status Active
MLS # 1974115
Property Type Residential
 

3207 Long Blvd Nashville, TN 37203

Price $1,175,000
Beds 4
Baths 2
Living Area SqFt 1,846
Status Active
MLS # 1903537
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