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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1728 Saint Louis St Nashville, TN 37208

Price $164,900
Beds 3
Baths 1
Living Area SqFt 1,251
Status Active
MLS # 1913757
Property Type Residential
 

2713 Bullock Ave Nashville, TN 37207

Price $164,900
Beds 2
Baths 1
Living Area SqFt 727
Status Active Under Contract
MLS # 1916879
Property Type Residential
 

605 N Stonegate Dr Antioch, TN 37013

Price $164,900
Beds 3
Baths 2
Living Area SqFt 1,151
Status Active Under Contract
MLS # 1928603
Property Type Residential
 

214 Old Hickory Blvd Nashville, TN 37221

Price $161,500
Beds 1
Baths 2
Living Area SqFt 720
Status Active
MLS # 1937071
Property Type Condo
 

1382 Rural Hill Rd Unit 151 Antioch, TN 37013

Price $161,000
Beds 2
Baths 3
Living Area SqFt 1,248
Status Active Under Contract
MLS # 1907635
Property Type Residential
 

1723 14th Ave N Nashville, TN 37208

Price $160,900
Beds 3
Baths 2
Living Area SqFt 1,274
Status Active Under Contract
MLS # 1926303
Property Type Residential
 

428 English Ivy Dr Nashville, TN 37211

Price $160,000
Beds 2
Baths 2
Living Area SqFt 1,177
Status Active Under Contract
MLS # 1938303
Property Type Condo
 

103 Okee Trl Antioch, TN 37013

Price $160,000
Beds 2
Baths 3
Living Area SqFt 1,371
Status Active
MLS # 1940680
Property Type Condo
 

1385 Pleasant Hill Rd Nashville, TN 37214

Price $160,000
Beds 2
Baths 1
Living Area SqFt 1,560
Status Active
MLS # 1913956
Property Type Residential
 

360 Clearwater Dr Nashville, TN 37217

Price $160,000
Beds 2
Baths 2
Living Area SqFt 1,040
Status Active Under Contract
MLS # 1932171
Property Type Residential
 

146 Cedarwood Ln Madison, TN 37115

Price $159,900
Beds 2
Baths 3
Living Area SqFt 1,356
Status Active Under Contract
MLS # 1924240
Property Type Condo
 

812 Williamsburg West Dr Nashville, TN 37221

Price $159,900
Beds 2
Baths 1
Living Area SqFt 1,018
Status Active Under Contract
MLS # 1927471
Property Type Condo
 

2601 Hillsboro Pike Nashville, TN 37212

Price $159,900
Beds 1
Baths 1
Living Area SqFt 600
Status Active Under Contract
MLS # 1930444
Property Type Condo
 

1382 Rural Hill Rd. Unit 126 Antioch, TN 37013

Price $159,900
Beds 2
Baths 3
Living Area SqFt 1,258
Status Active
MLS # 1935050
Property Type Condo
 

21 Vaughns Gap Rd # 77,bldg E Nashville, TN 37205

Price $159,900
Beds 2
Baths 1
Living Area SqFt 960
Status Active Under Contract
MLS # 1937710
Property Type Condo
 

5515 Country Dr Apt 45 Nashville, TN 37211

Price $159,900
Beds 3
Baths 2
Living Area SqFt 1,382
Status Active
MLS # 1938536
Property Type Condo
 

617 Rockwood Dr Hermitage, TN 37076

$159,900 - 3Br/3Ba -  for Sale in Raintree Village/hermitage, Hermitage
New
Price $159,900
Beds 3
Baths 3
Living Area SqFt 1,489
Status Active
MLS # 1941502
Property Type Condo
 

2717 Pine Ridge Dr Nashville, TN 37207

Price $159,900
Beds 3
Baths 2
Living Area SqFt 1,154
Status Active Under Contract
MLS # 1901045
Property Type Residential
 

539 W Old Hickory Blvd Madison, TN 37115

Price $159,900
Beds 2
Baths 2
Living Area SqFt 1,152
Status Active
MLS # 1927244
Property Type Residential
 

315 E Palestine Ave Madison, TN 37115

Price $159,900
Beds 3
Baths 2
Living Area SqFt 1,394
Status Active Under Contract
MLS # 1938263
Property Type Residential
 

810 Bellevue Rd Apt 241 Nashville, TN 37221

Price $159,500
Beds 2
Baths 2
Living Area SqFt 1,058
Status Active Under Contract
MLS # 1935442
Property Type Condo
 

480 Hickory Glade Dr Antioch, TN 37013

Price $159,000
Beds 2
Baths 2
Living Area SqFt 1,134
Status Active Under Contract
MLS # 1928711
Property Type Condo
 

3704 Ezell Rd Nashville, TN 37211

Price $159,000
Beds 3
Baths 1
Living Area SqFt 975
Status Active Under Contract
MLS # 1922684
Property Type Residential
 

3344 Oak Trees Ct Antioch, TN 37013

Price $159,000
Beds 2
Baths 3
Living Area SqFt 1,154
Status Active Under Contract
MLS # 1937880
Property Type Residential
 

112 Mcmurray Cir Nashville, TN 37211

$158,000 - 2Br/2Ba -  for Sale in Mcmurray Court, Nashville
New
Price $158,000
Beds 2
Baths 2
Living Area SqFt 1,088
Status Active
MLS # 1941796
Property Type Condo
 

3175 Trails End Ln Nashville, TN 37214

Price $157,900
Beds 3
Baths 2
Living Area SqFt 1,046
Status Active Under Contract
MLS # 1940829
Property Type Condo
 

5170 Hickory Hollow Pkwy #955 Antioch, TN 37013

Price $155,000
Beds 2
Baths 3
Living Area SqFt 1,240
Status Active
MLS # 1933816
Property Type Condo
 

102 Mcmurray Cir Nashville, TN 37211

Price $155,000
Beds 2
Baths 2
Living Area SqFt 1,109
Status Active Under Contract
MLS # 1939001
Property Type Condo
 

83 Donelson St Nashville, TN 37210

Price $155,000
Beds 3
Baths 2
Living Area SqFt 1,464
Status Active
MLS # 1909118
Property Type Residential
 

2546 Woodberry Drive Nashville, TN 37214

Price $155,000
Beds 3
Baths 1
Living Area SqFt 1,000
Status Active Under Contract
MLS # 1923507
Property Type Residential
 

6011 Lickton Pike Goodlettsville, TN 37072

Price $155,000
Beds 2
Baths 2
Living Area SqFt 1,400
Status Active Under Contract
MLS # 1932901
Property Type Residential
 

1038 Heritage Dr Madison, TN 37115

Price $154,900
Beds 2
Baths 2
Living Area SqFt 1,320
Status Active
MLS # 1931003
Property Type Condo
 

2625 Old Buena Vista Pike Nashville, TN 37218

Price $154,900
Beds 4
Baths 2
Living Area SqFt 1,842
Status Active Under Contract
MLS # 1922271
Property Type Residential
 

497 Hickory Glade Dr Antioch, TN 37013

Price $154,000
Beds 2
Baths 2
Living Area SqFt 1,176
Status Active Under Contract
MLS # 1941041
Property Type Condo
 

4410 Taylor Rd Nashville, TN 37211

Price $151,500
Beds 3
Baths 1
Living Area SqFt 1,240
Status Active Under Contract
MLS # 1939526
Property Type Residential
 

1512b 14th Ave N Nashville, TN 37208

Price $150,000
Beds 2
Baths 1
Living Area SqFt 1,089
Status Active
MLS # 1891145
Property Type Residential
 

1910 16th Ave N Nashville, TN 37208

Price $150,000
Living Area SqFt 832
Status Active Under Contract
MLS # 1921475
Property Type Residential
 
 
 

1411 Elliston St Old Hickory, TN 37138

Price $150,000
Beds 3
Baths 1
Living Area SqFt 854
Status Active Under Contract
MLS # 1936921
Property Type Residential
 

6680 Charlotte Pike Apt B3 Nashville, TN 37209

Price $149,900
Beds 2
Baths 1
Living Area SqFt 963
Status Active Under Contract
MLS # 1932908
Property Type Condo
 

81 Lutie St Nashville, TN 37210

Price $149,900
Beds 2
Baths 1
Living Area SqFt 1,160
Status Active
MLS # 1907975
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