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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9170 Hester Beasley Rd Nashville, TN 37221

Price $32,500,000
Beds 4
Baths 5
Living Area SqFt 6,750
Status Active
MLS # 1946815
Property Type Residential
 

3080 Hillsboro Rd Brentwood, TN 37027

Price $4,880,000
Living Area SqFt 3,528
Status Active
MLS # 1945269
Property Type Residential
 
 
 

6035 River Trce Nashville, TN 37218

$3,500,000 - 4Br/5Ba -  for Sale in None, Nashville
New
Price $3,500,000
Beds 4
Baths 5
Living Area SqFt 6,151
Status Active
MLS # 1950282
Property Type Residential
 

6727 Duquaine Nashville, TN 37205

Price $3,487,000
Beds 6
Baths 6
Living Area SqFt 11,795
Status Active
MLS # 1936956
Property Type Residential
 

2315 Woodmont Blvd Nashville, TN 37215

Price $3,200,000
Beds 6
Baths 9
Living Area SqFt 10,049
Status Active
MLS # 1919340
Property Type Residential
 

4309 Esteswood Dr Nashville, TN 37215

Price $3,200,000
Beds 4
Baths 6
Living Area SqFt 7,753
Status Active
MLS # 1948766
Property Type Residential
 

20 Rutledge St. #701 Nashville, TN 37210

Price $3,150,000
Beds 4
Baths 5
Living Area SqFt 3,538
Status Active
MLS # 1911232
Property Type Condo
 

7600 Buffalo Rd Nashville, TN 37221

Price $2,825,000
Beds 6
Baths 8
Living Area SqFt 10,230
Status Active
MLS # 1840314
Property Type Residential
 

2021 Fransworth Dr Nashville, TN 37205

Price $2,795,000
Beds 5
Baths 6
Living Area SqFt 10,009
Status Active
MLS # 1866119
Property Type Residential
 

20 Rutledge St. #710 Nashville, TN 37210

Price $2,750,000
Beds 4
Baths 5
Living Area SqFt 3,445
Status Active
MLS # 1904659
Property Type Condo
 

900 20th Ave S Apt 1705 Nashville, TN 37212

Price $2,695,000
Beds 2
Baths 3
Living Area SqFt 2,832
Status Active
MLS # 1905783
Property Type Condo
 

3818 Hilldale Dr Nashville, TN 37215

Price $2,599,900
Beds 5
Baths 6
Living Area SqFt 6,542
Status Active
MLS # 1917842
Property Type Residential
 

900 20th Ave S. #1707 Nashville, TN 37212

Price $2,526,000
Beds 2
Baths 4
Living Area SqFt 2,905
Status Active
MLS # 1944208
Property Type Condo
 

7926 Highway 100 Nashville, TN 37221

Price $2,500,000
Beds 9
Baths 8
Living Area SqFt 7,109
Status Active
MLS # 1938747
Property Type Residential
 

2305 Eastland Ave Nashville, TN 37207

Price $2,500,000
Baths 1
Living Area SqFt 2,220
Status Active
MLS # 1947882
Property Type Residential
 
 

3000 Poston Avenue 501 Nashville, TN 37203

Price $2,450,000
Beds 4
Baths 4
Living Area SqFt 3,335
Status Active
MLS # 1870777
Property Type Condo
 

5246 Brick Church Pike Goodlettsville, TN 37072

Price $2,300,000
Beds 4
Baths 5
Living Area SqFt 4,510
Status Active
MLS # 1945813
Property Type Residential
 

607 Cantrell Ave Nashville, TN 37215

Price $2,295,000
Beds 5
Baths 8
Living Area SqFt 6,943
Status Active
MLS # 1887572
Property Type Residential
 

227 2nd Avenue Nashville, TN 37201

Price $2,250,000
Beds 3
Baths 4
Living Area SqFt 2,852
Status Active
MLS # 1928909
Property Type Condo
 

5912 Old Harding Pike Nashville, TN 37205

Price $2,250,000
Beds 3
Baths 4
Living Area SqFt 5,347
Status Active
MLS # 1942126
Property Type Residential
 

197 Robin Hill Road Nashville, TN 37205

Price $2,200,000
Beds 6
Baths 6
Living Area SqFt 5,076
Status Active
MLS # 1932862
Property Type Residential
 

3000 Poston Avenue 504 Nashville, TN 37203

Price $2,150,000
Beds 3
Baths 4
Living Area SqFt 3,301
Status Active
MLS # 1868853
Property Type Condo
 

4529 Wayland Dr Nashville, TN 37215

$2,149,000 - 6Br/7Ba -  for Sale in Green Hills, Nashville
New
Price $2,149,000
Beds 6
Baths 7
Living Area SqFt 6,576
Status Active
MLS # 1950534
Property Type Residential
 

199 Bowling Ave Nashville, TN 37205

Price $2,148,000
Beds 4
Baths 6
Living Area SqFt 5,300
Status Active
MLS # 1949301
Property Type Residential
 

4224 Wallace Lane Nashville, TN 37215

Price $2,099,000
Beds 6
Baths 7
Living Area SqFt 5,735
Status Active
MLS # 1906779
Property Type Residential
 

4226 Wallace Lane Nashville, TN 37215

Price $2,099,000
Beds 6
Baths 7
Living Area SqFt 5,862
Status Active
MLS # 1906780
Property Type Residential
 

4228 Wallace Lane Nashville, TN 37215

Price $2,099,000
Beds 6
Baths 7
Living Area SqFt 5,910
Status Active
MLS # 1906781
Property Type Residential
 

8382 Collins Rd Nashville, TN 37221

Price $2,049,900
Beds 7
Baths 11
Living Area SqFt 13,412
Status Active
MLS # 1943476
Property Type Residential
 

1511 Bell Rd Nashville, TN 37211

Price $2,000,000
Living Area SqFt 1,200
Status Active
MLS # 1870583
Property Type Residential
 
 
 

746 Benton Avenue Nashville, TN 37204

Price $2,000,000
Beds 6
Baths 6
Living Area SqFt 7,006
Status Active
MLS # 1877576
Property Type Residential
 

6008 Jocelyn Hollow Rd Nashville, TN 37205

Price $1,999,000
Beds 5
Baths 7
Living Area SqFt 6,781
Status Active
MLS # 1941025
Property Type Residential
 

620 Monroe Street Nashville, TN 37208

Price $1,998,000
Beds 4
Baths 7
Living Area SqFt 4,707
Status Active
MLS # 1947043
Property Type Residential
 

205 Leonard Ave Nashville, TN 37205

Price $1,997,500
Beds 5
Baths 8
Living Area SqFt 6,590
Status Active
MLS # 1921775
Property Type Residential
 

3609 Richland Ave. (lot #12) Nashville, TN 37205

Price $1,964,640
Beds 5
Baths 6
Living Area SqFt 4,933
Status Active
MLS # 1930152
Property Type Residential
 

4020 Sneed Road Nashville, TN 37215

Price $1,950,000
Beds 5
Baths 6
Living Area SqFt 5,901
Status Active
MLS # 1939354
Property Type Residential
 

3420 Valley Brook Rd Nashville, TN 37215

$1,950,000 - 5Br/6Ba -  for Sale in Green Hills, Nashville
New
Price $1,950,000
Beds 5
Baths 6
Living Area SqFt 6,859
Status Active
MLS # 1949809
Property Type Residential
 

3821 West End Ave #302 Nashville, TN 37205

Price $1,949,000
Beds 2
Baths 3
Living Area SqFt 4,076
Status Active
MLS # 1948017
Property Type Condo
 

201 Brook Hollow Rd Nashville, TN 37205

Price $1,925,000
Beds 4
Baths 4
Living Area SqFt 5,315
Status Active
MLS # 1928002
Property Type Residential
 

6614 Holt Rd Nashville, TN 37211

Price $1,900,000
Beds 5
Baths 5
Living Area SqFt 4,623
Status Active
MLS # 1902453
Property Type Residential
 

4515 Shys Hill Dr. Nashville, TN 37215

Price $1,900,000
Beds 5
Baths 7
Living Area SqFt 6,429
Status Active
MLS # 1949294
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!

Kurt & Nici Steckel

The Steckel Group

Professional Designations

BS - Saint Francis University of Loretto, PA GRI - Graduate of REALTORS Institute® CRS - Certified Residential Specialist®
ABR - Accredited Buyers Representative®

Professional Qualifications

Tennessee Real Estate Brokerage License
Active member of the National Association of REALTORS®

Active member of the Tennessee Association of REALTORS®

Active member of the Greater Nashville Assn. of REALTORS®

Active member of the Williamson County Assn. of REALTORS®

Active member of the REALTORS National Marketing Institute®

Active member of the Residential Sales Council

Business Experience

Our team has a combined experience of over 35 years in Real Estate, marketing new and existing homes. We have worked with couples as first time homebuyers, into their second and third homes. This has given us a great referral base that grows larger every day. Our strong finance and detail orientation has created success for us, developing a strong base of continual customers. We have sold properties throughout Middle Tennessee, giving the same professional service to each customer. Our customer base has increased to over 1,680 satisfied buyers and sellers.
Business Achievements

Life member of the Million Dollar Sales Club Education achievements awards

ACTIVITIES

Member of Knights of Columbus
Member of Business Network International Member of Small Business Chamber of Commerce
Tennessee Real Estate Affiliate Broker License
Active member of the Williamson County Assn. of REALTORS®
Our Team is Ranked #5 of 278 agents of Keller Williams Realty Franklin for January and February 2016 YTD GCI

"Your Realtors For Life"