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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6527 Holt Rd Nashville, TN 37211

Price $1,200,000
Beds 5
Baths 6
Living Area SqFt 4,917
Status Active
MLS # 1896394
Property Type Residential
 

2709 Oakland Ave Nashville, TN 37212

Price $1,200,000
Beds 4
Baths 4
Living Area SqFt 4,281
Status Active Under Contract
MLS # 1928534
Property Type Residential
 

3426a Hopkins St Nashville, TN 37215

Price $1,200,000
Beds 4
Baths 4
Living Area SqFt 4,409
Status Active
MLS # 1930324
Property Type Residential
 

3426b Hopkins St Nashville, TN 37215

Price $1,200,000
Beds 4
Baths 4
Living Area SqFt 4,409
Status Active
MLS # 1931756
Property Type Residential
 

114b Lasalle Ct Nashville, TN 37205

Price $1,199,999
Beds 5
Baths 6
Living Area SqFt 6,169
Status Active
MLS # 1864898
Property Type Residential
 

900 20th Ave S Apt 711 Nashville, TN 37212

Price $1,199,000
Beds 2
Baths 3
Living Area SqFt 2,071
Status Active
MLS # 1925789
Property Type Condo
 

1709 Castleman Drive Nashville, TN 37215

Price $1,199,000
Beds 4
Baths 4
Living Area SqFt 3,951
Status Active Under Contract
MLS # 1868020
Property Type Residential
 

6048 Bresslyn Rd Nashville, TN 37205

Price $1,199,000
Beds 3
Baths 5
Living Area SqFt 5,112
Status Active
MLS # 1921607
Property Type Residential
 

390 Wayside Ct Nashville, TN 37205

Price $1,195,000
Beds 4
Baths 4
Living Area SqFt 4,533
Status Active Under Contract
MLS # 1926784
Property Type Residential
 

1324 Duncanwood Ct Nashville, TN 37204

Price $1,195,000
Beds 5
Baths 5
Living Area SqFt 4,290
Status Active Under Contract
MLS # 1929185
Property Type Residential
 

205 Concord Park W Nashville, TN 37205

Price $1,195,000
Beds 4
Baths 6
Living Area SqFt 4,923
Status Active
MLS # 1930312
Property Type Residential
 

2002a Castleman Dr Nashville, TN 37215

Price $1,190,000
Beds 4
Baths 6
Living Area SqFt 3,872
Status Active
MLS # 1896954
Property Type Residential
 

2002b Castleman Dr Nashville, TN 37215

Price $1,190,000
Beds 4
Baths 6
Living Area SqFt 3,872
Status Active
MLS # 1896978
Property Type Residential
 

1339 Burton Valley Rd Nashville, TN 37215

Price $1,180,000
Beds 4
Baths 5
Living Area SqFt 7,714
Status Active Under Contract
MLS # 1894652
Property Type Residential
 

900 20th Ave S Nashville, TN 37212

Price $1,175,000
Beds 2
Baths 2
Living Area SqFt 1,829
Status Active Under Contract
MLS # 1876297
Property Type Condo
 

1711 Sevier St Nashville, TN 37206

Price $1,175,000
Beds 4
Baths 4
Living Area SqFt 3,579
Status Active
MLS # 1931455
Property Type Residential
 

3631 West End Nashville, TN 37205

Price $1,150,000
Beds 3
Baths 4
Living Area SqFt 4,047
Status Active
MLS # 1921376
Property Type Condo
 

1711 Castleman Drive Nashville, TN 37215

Price $1,150,000
Beds 4
Baths 4
Living Area SqFt 3,951
Status Active Under Contract
MLS # 1891813
Property Type Residential
 

2204b Castleman Dr Nashville, TN 37215

Price $1,129,000
Beds 4
Baths 5
Living Area SqFt 3,896
Status Active
MLS # 1926068
Property Type Residential
 

3737 West End Ave Apt 304 Nashville, TN 37205

Price $1,125,000
Beds 3
Baths 4
Living Area SqFt 3,421
Status Active
MLS # 1916176
Property Type Condo
 

3420a Benham Ave Nashville, TN 37215

Price $1,124,900
Beds 5
Baths 5
Living Area SqFt 4,205
Status Active Under Contract
MLS # 1887721
Property Type Residential
 

1909 Sevier St Nashville, TN 37206

Price $1,110,000
Beds 5
Baths 5
Living Area SqFt 3,667
Status Active
MLS # 1862304
Property Type Residential
 

4021 Graybar Ct Nashville, TN 37215

Price $1,110,000
Beds 4
Baths 5
Living Area SqFt 3,640
Status Active
MLS # 1883448
Property Type Residential
 

245 Meriwether Nashville, TN 37221

Price $1,100,000
Beds 5
Baths 5
Living Area SqFt 4,123
Status Active
MLS # 1930955
Property Type Residential
 

515 Church Street #3006, Nashville

Price $1,100,000
Beds 2
Baths 2
Living Area SqFt 1,062
Status Active
MLS # 1916863
Property Type Condo
 

1101 Ozark St Nashville, TN 37206

Price $1,100,000
Beds 5
Baths 5
Living Area SqFt 3,667
Status Active
MLS # 1862310
Property Type Residential
 

4222 Jamesborough Pl Nashville, TN 37215

Price $1,100,000
Beds 6
Baths 7
Living Area SqFt 7,210
Status Active
MLS # 1870564
Property Type Residential
 

609 Ward Cir Old Hickory, TN 37138

Price $1,100,000
Beds 5
Baths 6
Living Area SqFt 8,015
Status Active
MLS # 1884253
Property Type Residential
 

5409 Cochran Dr Nashville, TN 37220

Price $1,100,000
Beds 3
Baths 3
Living Area SqFt 4,286
Status Active
MLS # 1906592
Property Type Residential
 

6805 Charlotte Avenue Nashville, TN 37209

Price $1,100,000
Beds 4
Baths 3
Living Area SqFt 1,665
Status Active
MLS # 1924215
Property Type Residential
 

1811 Blair Blvd Nashville, TN 37212

Price $1,100,000
Beds 4
Baths 3
Living Area SqFt 3,401
Status Active
MLS # 1926175
Property Type Residential
 

921 Gale Ln Nashville, TN 37204

$1,100,000 - 5Br/6Ba -  for Sale in 12th South, Nashville
Open House
New
Price $1,100,000
Beds 5
Baths 6
Living Area SqFt 3,687
Status Active
MLS # 1932599
Property Type Residential
 

4005a Woodmont Blvd Nashville, TN 37205

Price $1,099,000
Beds 6
Baths 5
Living Area SqFt 4,244
Status Active
MLS # 1878573
Property Type Residential
 

3422a Benham Ave. Nashville, TN 37215

Price $1,095,000
Beds 5
Baths 5
Living Area SqFt 4,106
Status Active Under Contract
MLS # 1908463
Property Type Residential
 

702 Bowling Ave # F Nashville, TN 37215

Price $1,095,000
Beds 3
Baths 4
Living Area SqFt 3,510
Status Active Under Contract
MLS # 1919445
Property Type Residential
 

3737 West End Ave #302 Nashville, TN 37205

Price $1,090,000
Beds 3
Baths 4
Living Area SqFt 3,247
Status Active
MLS # 1862068
Property Type Condo
 

3420b Benham Ave Nashville, TN 37215

Price $1,085,900
Beds 5
Baths 6
Living Area SqFt 4,161
Status Active
MLS # 1902909
Property Type Residential
 

3912 Abbott Martin Rd Nashville, TN 37215

Price $1,075,000
Beds 5
Baths 5
Living Area SqFt 4,158
Status Active
MLS # 1926856
Property Type Residential
 

2006a Galbraith Dr Nashville, TN 37215

Price $1,074,900
Beds 4
Baths 6
Living Area SqFt 5,101
Status Active
MLS # 1909354
Property Type Residential
 

805 Foster Hill Nashville, TN 37215

Price $1,067,500
Beds 3
Baths 4
Living Area SqFt 4,451
Status Active
MLS # 1900996
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