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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2101 Portway Alley Nashville, TN 37207

Price $199,990
Beds 3
Baths 3
Living Area SqFt 1,220
Status Active
MLS # 1963219
Property Type Condo
 

200 Manatee Ct Antioch, TN 37013

Price $199,990
Beds 4
Baths 2
Living Area SqFt 1,611
Status Active Under Contract
MLS # 1975965
Property Type Residential
 

1335 Havenbrook Drive Nashville, TN 37207

$199,990 - 3Br/2Ba -  for Sale in Belle Arbor, Nashville
New
Price $199,990
Beds 3
Baths 2
Living Area SqFt 1,220
Status Active
MLS # 1988878
Property Type Residential
 

276 Ash Grove Dr Nashville, TN 37211

Price $199,950
Beds 4
Baths 2
Living Area SqFt 1,339
Status Active
MLS # 1981120
Property Type Residential
 

5025 Hillsboro Pike 7b Nashville, TN 37215

Price $199,900
Beds 2
Baths 2
Living Area SqFt 1,194
Status Active
MLS # 1964106
Property Type Condo
 

8207 Sawyer Brown Rd Apt F3 Nashville, TN 37221

Price $199,900
Beds 4
Baths 3
Living Area SqFt 1,668
Status Active
MLS # 1983262
Property Type Condo
 

469 Roger Williams Ave Nashville, TN 37207

Price $199,900
Beds 3
Baths 2
Living Area SqFt 1,032
Status Active
MLS # 1782610
Property Type Residential
 

644 Larchwood Dr Nashville, TN 37214

Price $199,900
Beds 3
Baths 1
Living Area SqFt 1,474
Status Active Under Contract
MLS # 1982877
Property Type Residential
 

1005 Aladdin Dr Nashville, TN 37217

Price $199,900
Beds 2
Baths 1
Living Area SqFt 956
Status Active
MLS # 1983500
Property Type Residential
 

1209 Avondale Cir Nashville, TN 37207

Price $199,900
Beds 2
Baths 1
Living Area SqFt 968
Status Active
MLS # 1983567
Property Type Residential
 

1001 Alice St Nashville, TN 37218

Price $199,900
Beds 3
Baths 1
Living Area SqFt 912
Status Active
MLS # 1986079
Property Type Residential
 

925 42nd Ave N Nashville, TN 37209

Price $199,900
Beds 2
Baths 1
Living Area SqFt 837
Status Active
MLS # 1986139
Property Type Residential
 

108 Buffalo St Old Hickory, TN 37138

Price $199,900
Beds 2
Baths 1
Living Area SqFt 899
Status Active
MLS # 1986712
Property Type Residential
 

4487 Post Pl Apt 84 Nashville, TN 37205

Price $199,900
Beds 1
Baths 1
Living Area SqFt 1,015
Status Active
MLS # 1971626
Property Type Condo
 

900 19th Ave S Apt 702 Nashville, TN 37212

Price $199,900
Beds 1
Baths 1
Living Area SqFt 550
Status Active
MLS # 1973333
Property Type Condo
 

1077 E Trinity Ln Nashville, TN 37216

Price $199,900
Beds 1
Baths 1
Living Area SqFt 619
Status Active
MLS # 1976740
Property Type Condo
 

504 Upsall Dr Antioch, TN 37013

Price $199,900
Beds 3
Baths 3
Living Area SqFt 2,001
Status Active
MLS # 1984639
Property Type Condo
 

238 Lake Chateau Dr Hermitage, TN 37076

Price $199,900
Beds 3
Baths 3
Living Area SqFt 1,866
Status Active
MLS # 1984910
Property Type Condo
 

5025 Hillsboro Pike 7b Nashville, TN 37215

$199,900 - 2Br/2Ba -  for Sale in Georgetown, Nashville
New
Price $199,900
Beds 2
Baths 2
Living Area SqFt 1,194
Status Active
MLS # 1989134
Property Type Condo
 

841 Argle Ave Madison, TN 37115

Price $199,900
Beds 3
Baths 2
Living Area SqFt 1,334
Status Active
MLS # 1952367
Property Type Residential
 

714 Pippin Drive Antioch, TN 37013

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

1601 Straightway Ave Nashville, TN 37206

Price $199,900
Beds 2
Baths 1
Living Area SqFt 801
Status Active
MLS # 1962577
Property Type Residential
 

1601 Meridian St Nashville, TN 37207

Price $199,900
Beds 3
Baths 2
Living Area SqFt 1,200
Status Active
MLS # 1975875
Property Type Residential
 

719 Tral St Nashville, TN 37208

Price $199,900
Beds 2
Baths 2
Living Area SqFt 1,011
Status Active Under Contract
MLS # 1979868
Property Type Residential
 

4316 Old Hickory Blvd Old Hickory, TN 37138

Price $199,900
Beds 3
Baths 2
Living Area SqFt 1,137
Status Active
MLS # 1982821
Property Type Residential
 

1208 Deerhaven Ct Antioch, TN 37013

Price $199,900
Beds 4
Baths 2
Living Area SqFt 1,305
Status Active
MLS # 1984717
Property Type Residential
 

4312 Valley Grove Dr Hermitage, TN 37076

Price $199,900
Beds 3
Baths 2
Living Area SqFt 1,124
Status Active
MLS # 1985744
Property Type Residential
 

219 Bell Road Nashville, TN 37217

Price $199,900
Beds 3
Baths 2
Living Area SqFt 1,262
Status Active
MLS # 1985819
Property Type Residential
 

1077 E Trinity Ln Nashville, TN 37216

Price $199,900
Beds 1
Baths 1
Living Area SqFt 619
Status Active
MLS # 1986120
Property Type Residential
 

726 Pippin Drive Antioch, TN 37013

Price $199,900
Beds 3
Baths 3
Living Area SqFt 1,181
Status Active
MLS # 1987225
Property Type Residential
 

6008 Panama Dr Hermitage, TN 37076

Price $199,899
Beds 3
Baths 1
Living Area SqFt 925
Status Active Under Contract
MLS # 1978301
Property Type Residential
 

2514 Nashboro Blvd Nashville, TN 37217

Price $199,500
Beds 2
Baths 3
Living Area SqFt 1,488
Status Active Under Contract
MLS # 1979536
Property Type Condo
 

2410 Una Antioch Pike Antioch, TN 37013

Price $199,000
Beds 4
Baths 2
Living Area SqFt 2,490
Status Active
MLS # 1978430
Property Type Residential
 

2896 Lower Walkers Creek Goodlettsville, TN 37072

Price $199,000
Beds 3
Baths 2
Living Area SqFt 1,485
Status Active
MLS # 1987860
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
 

925 Denson Ave Madison, TN 37115

Price $199,000
Beds 3
Baths 2
Living Area SqFt 1,096
Status Active
MLS # 1965801
Property Type Residential
 

8441 Callabee Way Unit H7 Antioch, TN 37013

Price $198,900
Beds 2
Baths 2
Living Area SqFt 1,174
Status Active
MLS # 1987669
Property Type Condo
 

105 Antioch Woods Way Antioch, TN 37013

Price $198,500
Beds 3
Baths 2
Living Area SqFt 1,177
Status Active Under Contract
MLS # 1974990
Property Type Residential
 

5600 Country Dr Apt 150 Nashville, TN 37211

Price $198,000
Beds 3
Baths 3
Living Area SqFt 1,518
Status Active
MLS # 1987351
Property Type Condo
 

3223 Indiana Ave Nashville, TN 37209

Price $198,000
Beds 4
Baths 2
Living Area SqFt 1,344
Status Active
MLS # 1964471
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