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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2406b Porter Nashville, TN 37206

Price $199,900
Beds 2
Baths 1
Living Area SqFt 876
Status Active Under Contract
MLS # 1949389
Property Type Residential
 

1337 Mercury Dr Nashville, TN 37217

Price $199,900
Beds 2
Baths 1
Living Area SqFt 912
Status Active
MLS # 1949657
Property Type Residential
 

438 Lemont Dr Nashville, TN 37216

Price $199,900
Beds 3
Baths 2
Living Area SqFt 1,054
Status Active Under Contract
MLS # 1952280
Property Type Residential
 

2800 Torbett St Nashville, TN 37209

Price $199,900
Beds 3
Baths 2
Living Area SqFt 1,204
Status Active
MLS # 1959135
Property Type Residential
 

106 Walnut Hill Nashville, TN 37214

Price $199,900
Beds 2
Baths 1
Living Area SqFt 1,135
Status Active Under Contract
MLS # 1960304
Property Type Residential
 

722 Pippin Drive Antioch, TN 37013

Price $199,900
Beds 3
Baths 3
Living Area SqFt 1,394
Status Active Under Contract
MLS # 1960365
Property Type Residential
 

714 Pippin Drive Antioch, TN 37013

Price $199,900
Beds 3
Baths 3
Living Area SqFt 1,394
Status Active
MLS # 1960757
Property Type Residential
 

705 Tina Ct Antioch, TN 37013

Price $199,900
Beds 3
Baths 2
Living Area SqFt 1,304
Status Active
MLS # 1960972
Property Type Residential
 

712 Pippin Drive Antioch, TN 37013

Price $199,900
Beds 3
Baths 3
Living Area SqFt 1,394
Status Active
MLS # 1961176
Property Type Residential
 

228 Cottage Pl Nashville, TN 37214

Price $199,500
Beds 3
Baths 3
Living Area SqFt 1,426
Status Active Under Contract
MLS # 1957742
Property Type Condo
 

1245 Shawnee Rd Madison, TN 37115

Price $199,500
Beds 4
Baths 2
Living Area SqFt 2,000
Status Active Under Contract
MLS # 1944127
Property Type Residential
 

3415 W End Ave Apt 806 Nashville, TN 37203

Price $199,000
Beds 1
Baths 1
Living Area SqFt 736
Status Active
MLS # 1947787
Property Type Condo
 

8605 Peckham Ln Unit 12 Antioch, TN 37013

Price $199,000
Beds 2
Baths 2
Living Area SqFt 1,248
Status Active
MLS # 1954926
Property Type Condo
 

57 Glenrose Ave Nashville, TN 37210

Price $199,000
Beds 2
Baths 1
Living Area SqFt 868
Status Active
MLS # 1862308
Property Type Residential
 

4810 Apollo Dr Antioch, TN 37013

Price $199,000
Beds 4
Baths 4
Living Area SqFt 1,901
Status Active
MLS # 1869873
Property Type Residential
 

2703 Oneal Nashville, TN 37208

$199,000 - 2Br/1Ba -  for Sale in Cumberland Gardens, Nashville
New
Price $199,000
Beds 2
Baths 1
Living Area SqFt 704
Status Active
MLS # 1961393
Property Type Residential
 

725 Dry Creek Rd Goodlettsville, TN 37072

$199,000 - 2Br/2Ba -  for Sale in Dry Creek Road, Goodlettsville
New
Price $199,000
Beds 2
Baths 2
Living Area SqFt 1,225
Status Active
MLS # 1961781
Property Type Residential
 

206 Nesbitt Ln Madison, TN 37115

Price $198,900
Beds 3
Baths 2
Living Area SqFt 1,000
Status Active
MLS # 1857787
Property Type Residential
 

301 Archwood Dr Madison, TN 37115

Price $198,900
Beds 3
Baths 1
Living Area SqFt 915
Status Active Under Contract
MLS # 1948838
Property Type Residential
 

105 Leake Ave Apt 83 Nashville, TN 37205

Price $198,500
Beds 1
Baths 1
Living Area SqFt 1,009
Status Active Under Contract
MLS # 1941970
Property Type Condo
 

110 Minnette Ct Nashville, TN 37207

Price $198,500
Beds 3
Baths 2
Living Area SqFt 1,040
Status Active
MLS # 1939059
Property Type Residential
 

1416 Meridian St Nashville, TN 37207

Price $198,000
Beds 2
Baths 1
Living Area SqFt 840
Status Active
MLS # 1928461
Property Type Residential
 

1010 Berry St Old Hickory, TN 37138

Price $198,000
Beds 3
Baths 1
Living Area SqFt 1,091
Status Active
MLS # 1944276
Property Type Residential
 

1817 Pallas Dr Madison, TN 37115

Price $196,500
Beds 3
Baths 3
Living Area SqFt 1,468
Status Active Under Contract
MLS # 1952492
Property Type Residential
 

3232 Masonwood Dr Nashville, TN 37207

Price $196,000
Beds 3
Baths 2
Living Area SqFt 1,800
Status Active Under Contract
MLS # 1939982
Property Type Residential
 

7780 Sawyer Brown Rd Nashville, TN 37221

Price $195,500
Beds 1
Baths 1
Living Area SqFt 7,203
Status Active
MLS # 1905901
Property Type Condo
 

7780 Sawyer Brown Rd Nashville, TN 37221

Price $195,500
Beds 2
Baths 2
Living Area SqFt 1,276
Status Active
MLS # 1905906
Property Type Condo
 

1615 Arthur Ave Nashville, TN 37208

Price $195,000
Beds 2
Baths 1
Living Area SqFt 1,305
Status Active
MLS # 1911613
Property Type Residential
 

3225 Towne Village Rd Antioch, TN 37013

Price $195,000
Beds 3
Baths 2
Living Area SqFt 1,200
Status Active Under Contract
MLS # 1958106
Property Type Residential
 

2427 Branch St Nashville, TN 37216

Price $195,000
Beds 2
Baths 1
Living Area SqFt 672
Status Active
MLS # 1959394
Property Type Residential
 

32 Cameo Dr Nashville, TN 37211

Price $194,977
Beds 3
Baths 2
Living Area SqFt 1,350
Status Active Under Contract
MLS # 1949750
Property Type Residential
 

825 Todd Preis Dr Nashville, TN 37221

Price $194,900
Beds 2
Baths 2
Living Area SqFt 1,117
Status Active
MLS # 1940103
Property Type Condo
 

5776 Stone Brook Dr Brentwood, TN 37027

Price $194,900
Beds 2
Baths 2
Living Area SqFt 1,116
Status Active
MLS # 1956853
Property Type Condo
 

3230 Lincoya Creek Dr Nashville, TN 37214

Price $194,900
Beds 2
Baths 3
Living Area SqFt 1,140
Status Active Under Contract
MLS # 1959784
Property Type Condo
 

1020 Mallow Dr Madison, TN 37115

Price $194,900
Beds 4
Baths 1
Living Area SqFt 1,400
Status Active Under Contract
MLS # 1949095
Property Type Residential
 

524 Singer Dr Madison, TN 37115

Price $194,900
Beds 3
Baths 1
Living Area SqFt 1,100
Status Active Under Contract
MLS # 1950472
Property Type Residential
 

712 Rachels Trl Hermitage, TN 37076

Price $194,900
Beds 2
Baths 2
Living Area SqFt 1,516
Status Active
MLS # 1951523
Property Type Residential
 

250 Bonnalynn Dr Hermitage, TN 37076

Price $194,900
Beds 3
Baths 1
Living Area SqFt 1,408
Status Active
MLS # 1960079
Property Type Residential
 

407 Bennett Pl Nashville, TN 37207

$194,900 - 4Br/1Ba -  for Sale in Trinity Hills Village, Nashville
New
Price $194,900
Beds 4
Baths 1
Living Area SqFt 1,517
Status Active
MLS # 1961401
Property Type Residential
 

3528 Standing Stone Dr Nashville, TN 37207

Price $194,500
Beds 3
Baths 2
Living Area SqFt 1,400
Status Active
MLS # 1953786
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