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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3030 Ned Shelton #206 Nashville, TN 37217

Price $209,900
Beds 3
Baths 3
Living Area SqFt 1,618
Status Active Under Contract
MLS # 1958873
Property Type Residential
 

21 Vaughns Gap Rd Apt 29 Nashville, TN 37205

$209,900 - 3Br/2Ba -  for Sale in Belle Meade Highlands, Nashville
Open House
Price $209,900
Beds 3
Baths 2
Living Area SqFt 1,404
Status Active
MLS # 1956700
Property Type Condo
 

1919 Shaylin Loop Antioch, TN 37013

Price $209,900
Beds 2
Baths 3
Living Area SqFt 1,348
Status Active
MLS # 1959052
Property Type Condo
 

300 Stewarts Ferry Pike #11 Nashville, TN 37214

Price $209,900
Beds 2
Baths 3
Living Area SqFt 1,200
Status Active
MLS # 1959558
Property Type Condo
 

4316 Summercrest Blvd Antioch, TN 37013

Price $209,900
Beds 3
Baths 3
Living Area SqFt 1,275
Status Active
MLS # 1937668
Property Type Residential
 

4316 Summercrest Blvd Antioch, TN 37013

Price $209,900
Beds 3
Baths 3
Living Area SqFt 1,275
Status Active
MLS # 1937816
Property Type Residential
 

4316 Summercrest Blvd Antioch, TN 37013

Price $209,900
Beds 3
Baths 3
Living Area SqFt 1,275
Status Active
MLS # 1937832
Property Type Residential
 

4316 Summercrest Blvd Antioch, TN 37013

Price $209,900
Beds 3
Baths 3
Living Area SqFt 1,275
Status Active
MLS # 1939003
Property Type Residential
 

2428 Adlai Street Nashville, TN 37207

Price $209,900
Beds 3
Baths 2
Living Area SqFt 1,220
Status Active Under Contract
MLS # 1945252
Property Type Residential
 

1402 Bryan St Old Hickory, TN 37138

Price $209,900
Beds 3
Baths 1
Living Area SqFt 1,296
Status Active Under Contract
MLS # 1952036
Property Type Residential
 

742 Croley Dr Nashville, TN 37209

Price $209,900
Beds 2
Baths 2
Living Area SqFt 1,209
Status Active
MLS # 1952600
Property Type Residential
 

223 Haywood Ln Nashville, TN 37211

Price $209,900
Beds 3
Baths 1
Living Area SqFt 1,325
Status Active
MLS # 1952819
Property Type Residential
 

1821 Lakewood Village Dr Antioch, TN 37013

Price $209,900
Beds 3
Baths 3
Living Area SqFt 1,515
Status Active Under Contract
MLS # 1954522
Property Type Residential
 

3736 Brickmont Dr Nashville, TN 37207

Price $209,900
Beds 3
Baths 2
Living Area SqFt 1,118
Status Active Under Contract
MLS # 1957139
Property Type Residential
 

324 Pullen Ave Nashville, TN 37207

Price $209,900
Beds 2
Baths 1
Living Area SqFt 1,236
Status Active
MLS # 1959177
Property Type Residential
 

309 Clearlake Dr W Nashville, TN 37217

$209,900 - 3Br/3Ba -  for Sale in Priest Lake Park, Nashville
New
Price $209,900
Beds 3
Baths 3
Living Area SqFt 1,683
Status Active Under Contract
MLS # 1961400
Property Type Residential
 

308 Country Ct Antioch, TN 37013

$209,900 - 4Br/2Ba -  for Sale in The Country, Antioch
New
Price $209,900
Beds 4
Baths 2
Living Area SqFt 1,710
Status Active
MLS # 1962285
Property Type Residential
 

305 W Due West Ave Madison, TN 37115

Price $209,899
Beds 4
Baths 2
Living Area SqFt 1,591
Status Active Under Contract
MLS # 1955086
Property Type Residential
 

115 Nashboro Grns Nashville, TN 37217

Price $209,000
Beds 3
Baths 3
Living Area SqFt 1,656
Status Active
MLS # 1957617
Property Type Condo
 

3085 Harpeth Springs Dr Nashville, TN 37221

$209,000 - 2Br/3Ba -  for Sale in Riverbridge Community, Nashville
Open House
Price $209,000
Beds 2
Baths 3
Living Area SqFt 1,216
Status Active
MLS # 1960624
Property Type Condo
 

437 W Bend Dr Nashville, TN 37209

Price $209,000
Beds 2
Baths 1
Living Area SqFt 1,216
Status Active Under Contract
MLS # 1948464
Property Type Residential
 

492 Paragon Mills Rd Nashville, TN 37211

Price $209,000
Beds 4
Baths 2
Living Area SqFt 1,820
Status Active Under Contract
MLS # 1954114
Property Type Residential
 

3405 Old Anderson Rd Unit 111 Antioch, TN 37013

$209,000 - 3Br/3Ba -  for Sale in Watercrest, Antioch
Open House
Price $209,000
Beds 3
Baths 3
Living Area SqFt 1,612
Status Active
MLS # 1954594
Property Type Residential
 

718 Pippin Drive Antioch, TN 37013

Price $209,000
Beds 3
Baths 3
Living Area SqFt 1,394
Status Active Under Contract
MLS # 1960316
Property Type Residential
 

710 Pippin Drive Antioch, TN 37013

Price $209,000
Beds 3
Baths 3
Living Area SqFt 1,394
Status Active
MLS # 1961180
Property Type Residential
 

4316 Summercrest Blvd Antioch, TN 37013

Price $207,800
Beds 3
Baths 3
Living Area SqFt 1,275
Status Active
MLS # 1920349
Property Type Residential
 

4316 Summercrest Blvd Antioch, TN 37013

Price $207,500
Beds 3
Baths 3
Living Area SqFt 1,275
Status Active
MLS # 1936685
Property Type Residential
 

2025 Woodmont Blvd Apt 302 Nashville, TN 37215

Price $207,000
Beds 1
Baths 1
Living Area SqFt 789
Status Active
MLS # 1947473
Property Type Condo
 

4316 Summercrest Blvd Antioch, TN 37013

Price $206,400
Beds 3
Baths 3
Living Area SqFt 1,275
Status Active
MLS # 1928467
Property Type Residential
 

3109 Priest Wood Dr Nashville, TN 37214

Price $206,000
Beds 3
Baths 3
Living Area SqFt 1,666
Status Active
MLS # 1931066
Property Type Condo
 

613 River Rouge Dr Nashville, TN 37209

Price $205,900
Beds 3
Baths 2
Living Area SqFt 1,619
Status Active
MLS # 1957334
Property Type Residential
 

949 Mallow Dr Madison, TN 37115

Price $205,000
Beds 3
Baths 3
Living Area SqFt 1,104
Status Active
MLS # 1904628
Property Type Residential
 

1409 Bain Drive Madison, TN 37115

Price $205,000
Beds 4
Baths 2
Living Area SqFt 1,620
Status Active Under Contract
MLS # 1907229
Property Type Residential
 

1013 Berry St Old Hickory, TN 37138

Price $205,000
Beds 2
Baths 1
Living Area SqFt 851
Status Active
MLS # 1953684
Property Type Residential
 

3295 Hinkle Dr Nashville, TN 37218

Price $205,000
Beds 4
Baths 2
Living Area SqFt 1,225
Status Active
MLS # 1954263
Property Type Residential
 

112 Glenrose Cir Nashville, TN 37210

Price $205,000
Beds 3
Baths 1
Living Area SqFt 1,250
Status Active
MLS # 1956858
Property Type Residential
 

2936 Kinwood Dr Antioch, TN 37013

$205,000 - 3Br/2Ba -  for Sale in Forest View Park, Antioch
New
Price $205,000
Beds 3
Baths 2
Living Area SqFt 1,451
Status Active
MLS # 1962242
Property Type Residential
 

701 Fox Ridge Dr Brentwood, TN 37027

Price $204,900
Beds 2
Baths 2
Living Area SqFt 1,116
Status Active
MLS # 1959254
Property Type Condo
 

256 Manzano Rd Madison, TN 37115

Price $204,900
Beds 5
Baths 3
Living Area SqFt 2,720
Status Active Under Contract
MLS # 1912142
Property Type Residential
 

3536 Standing Stone Dr Nashville, TN 37207

$204,900 - 3Br/2Ba -  for Sale in Village By The Creek, Nashville
New
Price $204,900
Beds 3
Baths 2
Living Area SqFt 1,104
Status Active Under Contract
MLS # 1957328
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