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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510 Gay Street Nashville, TN 37219

Price $169,500
Beds 1
Baths 1
Living Area SqFt 594
Status Active
MLS # 1934671
Property Type Condo
 

1300a Aline Ave Nashville, TN 37207

Price $169,500
Beds 2
Baths 2
Living Area SqFt 960
Status Active Under Contract
MLS # 1939541
Property Type Residential
 

3600 Hillsboro Nashville, TN 37215

Price $169,000
Beds 1
Baths 1
Living Area SqFt 600
Status Active
MLS # 1939439
Property Type Condo
 

110 Bellevue Rd Unit 12 Nashville, TN 37221

Price $169,000
Beds 3
Baths 2
Living Area SqFt 1,254
Status Active
MLS # 1948800
Property Type Condo
 

3376 Oak Trees Ct Antioch, TN 37013

$169,000 - 3Br/3Ba -  for Sale in Lakeshore Woods, Antioch
Open House
New
Price $169,000
Beds 3
Baths 3
Living Area SqFt 1,404
Status Active
MLS # 1951908
Property Type Residential
 

408 Hickory Glade Dr Antioch, TN 37013

Price $168,800
Beds 2
Baths 2
Living Area SqFt 1,134
Status Active Under Contract
MLS # 1928892
Property Type Condo
 

147 Hicks Rd Nashville, TN 37221

Price $167,000
Beds 2
Baths 2
Living Area SqFt 1,056
Status Active
MLS # 1950703
Property Type Condo
 

3229 Crowe Dr Nashville, TN 37218

Price $167,000
Beds 3
Baths 2
Living Area SqFt 1,070
Status Active Under Contract
MLS # 1934478
Property Type Residential
 

3001 Hamilton Church Rd #348 Antioch, TN 37013

Price $165,900
Beds 3
Baths 2
Living Area SqFt 1,525
Status Active Under Contract
MLS # 1943048
Property Type Condo
 

516 Williamsburg Dr Nashville, TN 37214

Price $165,000
Beds 2
Baths 2
Living Area SqFt 1,207
Status Active Under Contract
MLS # 1940565
Property Type Condo
 

1105 Quail Ct W Nashville, TN 37214

Price $165,000
Beds 3
Baths 2
Living Area SqFt 1,044
Status Active Under Contract
MLS # 1946176
Property Type Condo
 

230 Jenna Lee Cir Madison, TN 37115

$165,000 - 2Br/3Ba -  for Sale in Bixler Farms, Madison
Open House
Price $165,000
Beds 2
Baths 3
Living Area SqFt 1,190
Status Active
MLS # 1949233
Property Type Condo
 

810 Bellevue Rd Apt 254 Nashville, TN 37221

$165,000 - 2Br/2Ba -  for Sale in Creekside Meadows, Nashville
Open House
New
Price $165,000
Beds 2
Baths 2
Living Area SqFt 1,058
Status Active
MLS # 1952293
Property Type Condo
 

411 Gregg Ct Nashville, TN 37217

Price $165,000
Beds 2
Baths 3
Living Area SqFt 1,280
Status Active
MLS # 1928775
Property Type Residential
 

1015 42nd Ave N Nashville, TN 37209

Price $165,000
Beds 3
Baths 2
Living Area SqFt 960
Status Active Under Contract
MLS # 1942998
Property Type Residential
 

1021 College Ave Nashville, TN 37209

Price $165,000
Beds 7
Baths 3
Living Area SqFt 2,601
Status Active
MLS # 1944488
Property Type Residential
 

265 Morton Ave Nashville, TN 37211

Price $165,000
Beds 2
Baths 1
Living Area SqFt 1,246
Status Active Under Contract
MLS # 1949267
Property Type Residential
 

2600 Pennington Ave Nashville, TN 37216

Price $164,900
Beds 4
Baths 2
Living Area SqFt 1,248
Status Active Under Contract
MLS # 1903826
Property Type Residential
 

5890 Lickton Pike Goodlettsville, TN 37072

Price $164,900
Beds 2
Baths 2
Living Area SqFt 2,240
Status Active
MLS # 1933152
Property Type Residential
 

21 Vaughns Gap Rd Nashville, TN 37205

Price $164,000
Beds 2
Baths 2
Living Area SqFt 1,053
Status Active
MLS # 1941766
Property Type Condo
 

1214 Quail Rd Nashville, TN 37214

Price $163,000
Beds 3
Baths 2
Living Area SqFt 1,044
Status Active Under Contract
MLS # 1945858
Property Type Condo
 

4000 Anderson Rd Apt 43 Nashville, TN 37217

$162,900 - 3Br/2Ba -  for Sale in Priest Lake Park Condomini, Nashville
New
Price $162,900
Beds 3
Baths 2
Living Area SqFt 1,480
Status Active
MLS # 1951688
Property Type Condo
 

1382 Rural Hill Rd Antioch, TN 37013

$162,500 - 2Br/3Ba -  for Sale in Autumn Ridge Townhomes, Antioch
New
Price $162,500
Beds 2
Baths 3
Living Area SqFt 1,248
Status Active
MLS # 1952698
Property Type Condo
 

3729 Creekland Ct Nashville, TN 37218

Price $162,500
Beds 3
Baths 2
Living Area SqFt 1,300
Status Active Under Contract
MLS # 1939829
Property Type Residential
 

3083 Brantley Dr Antioch, TN 37013

Price $162,000
Beds 3
Baths 3
Living Area SqFt 1,440
Status Active Under Contract
MLS # 1946752
Property Type Condo
 

5853 Monroe Xing Antioch, TN 37013

$162,000 - 2Br/1Ba -  for Sale in Provincetown, Antioch
New
Price $162,000
Beds 2
Baths 1
Living Area SqFt 1,404
Status Active
MLS # 1952273
Property Type Condo
 

1728 Saint Louis St Nashville, TN 37208

Price $162,000
Beds 3
Baths 1
Living Area SqFt 1,251
Status Active
MLS # 1913757
Property Type Residential
 

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
MLS # 1926303
Property Type Residential
 

0 24th St Nashville, TN 37209

Price $160,000
Living Area SqFt 1
Status Active
MLS # 1943863
Property Type Residential
 
 
 

1382 Rural Hill Rd Unit 158 Antioch, TN 37013

Price $160,000
Beds 2
Baths 3
Living Area SqFt 1,248
Status Active Under Contract
MLS # 1943102
Property Type Condo
 

1248 Massman Dr Nashville, TN 37217

Price $160,000
Beds 2
Baths 2
Living Area SqFt 1,160
Status Active
MLS # 1945341
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
 

1710 County Hospital Rd Nashville, TN 37218

Price $160,000
Beds 3
Baths 1
Living Area SqFt 1,305
Status Active
MLS # 1919658
Property Type Residential
 

4001 Anderson Road Unit E84 Nashville, TN 37217

Price $159,991
Beds 3
Baths 3
Living Area SqFt 1,904
Status Active
MLS # 1937782
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
 

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

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

617 Rockwood Dr Hermitage, TN 37076

Price $159,900
Beds 3
Baths 3
Living Area SqFt 1,489
Status Active Under Contract
MLS # 1941502
Property Type Condo
 

2601 Hillsboro Pike Apt L16 Nashville, TN 37215

Price $159,900
Beds 1
Baths 1
Living Area SqFt 600
Status Active
MLS # 1944437
Property Type Condo
 

166 Heritage Trace Dr Madison, TN 37115

Price $159,900
Beds 3
Baths 2
Living Area SqFt 1,641
Status Active Under Contract
MLS # 1949386
Property Type Condo
 

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