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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4513 Harpeth Hills Dr Nashville, TN 37215

Price $1,800,000
Beds 5
Baths 6
Living Area SqFt 5,259
Status Active
MLS # 1858500
Property Type Residential
 

4334 Sneed Rd Nashville, TN 37215

Price $1,798,000
Beds 5
Baths 7
Living Area SqFt 10,007
Status Active
MLS # 1829437
Property Type Residential
 

2314 Woodmont Blvd Nashville, TN 37215

Price $1,795,000
Beds 4
Baths 4
Living Area SqFt 5,802
Status Active
MLS # 1846993
Property Type Residential
 

3520 Trimble Rd Nashville, TN 37215

Price $1,789,000
Beds 5
Baths 7
Living Area SqFt 5,314
Status Active
MLS # 1835316
Property Type Residential
 

3641 Richland Ave. (lot #4) Nashville, TN 37205

Price $1,784,340
Beds 4
Baths 5
Living Area SqFt 4,995
Status Active
MLS # 1800207
Property Type Residential
 

1725 Linden Ave Nashville, TN 37212

Price $1,765,000
Beds 4
Baths 3
Living Area SqFt 4,295
Status Active
MLS # 1868594
Property Type Residential
 

219 2nd Ave N Ste 200 Nashville, TN 37201

Price $1,750,000
Beds 2
Baths 2
Living Area SqFt 2,740
Status Active
MLS # 1868468
Property Type Condo
 

2409 Belmont Blvd Nashville, TN 37212

Price $1,750,000
Beds 5
Baths 4
Living Area SqFt 4,398
Status Active
MLS # 1861133
Property Type Residential
 

6509 Rolling Fork Dr Nashville, TN 37205

Price $1,750,000
Beds 4
Baths 5
Living Area SqFt 6,228
Status Active
MLS # 1869468
Property Type Residential
 

120 Laird Road Nashville, TN 37205

Price $1,750,000
Beds 5
Baths 7
Living Area SqFt 6,652
Status Active Under Contract
MLS # 1870425
Property Type Residential
 

5408 Granny White Pike Brentwood, TN 37027

Price $1,749,000
Beds 5
Baths 8
Living Area SqFt 7,085
Status Active Under Contract
MLS # 1831184
Property Type Residential
 

1105 Nichol Ln Nashville, TN 37205

Price $1,739,000
Beds 5
Baths 6
Living Area SqFt 5,653
Status Active
MLS # 1816339
Property Type Residential
 

700 12th Ave S Unit 1406 Nashville, TN 37203

Price $1,700,000
Beds 3
Baths 3
Living Area SqFt 2,984
Status Active
MLS # 1813984
Property Type Condo
 

3908 Trimble Rd Nashville, TN 37215

Price $1,675,000
Beds 5
Baths 7
Living Area SqFt 5,410
Status Active Under Contract
MLS # 1799341
Property Type Residential
 

4036 Sneed Rd Nashville, TN 37215

Price $1,671,000
Beds 4
Baths 6
Living Area SqFt 4,708
Status Active
MLS # 1842564
Property Type Residential
 

1113 Radnor Glen Dr Brentwood, TN 37027

Price $1,649,000
Beds 5
Baths 6
Living Area SqFt 7,736
Status Active
MLS # 1856061
Property Type Residential
 

2102 Elm Hill Pike Nashville, TN 37210

Price $1,600,000
Beds 2
Baths 2
Living Area SqFt 1,283
Status Active
MLS # 1815414
Property Type Residential
 

2104 Elm Hill Pike Nashville, TN 37210

Price $1,600,000
Beds 2
Baths 1
Living Area SqFt 1,025
Status Active
MLS # 1815419
Property Type Residential
 

2106 Elm Hill Pike Nashville, TN 37210

Price $1,600,000
Beds 3
Baths 1
Living Area SqFt 1,025
Status Active
MLS # 1815421
Property Type Residential
 

5453 Camelot Rd Brentwood, TN 37027

Price $1,599,995
Beds 5
Baths 7
Living Area SqFt 8,130
Status Active
MLS # 1869949
Property Type Residential
 

126 Brookfield Ave Nashville, TN 37205

Price $1,599,000
Beds 6
Baths 6
Living Area SqFt 5,261
Status Active
MLS # 1801255
Property Type Residential
 

9422 New Highway 96 W Franklin, TN 37064

Price $1,599,000
Beds 4
Baths 5
Living Area SqFt 5,231
Status Active
MLS # 1870731
Property Type Residential
 

9422 Highway 96 Franklin, TN 37064

Price $1,599,000
Beds 4
Baths 5
Living Area SqFt 5,231
Status Active
MLS # 1870732
Property Type Residential
 

5406 Granny White Pike Brentwood, TN 37027

Price $1,593,000
Beds 5
Baths 6
Living Area SqFt 6,517
Status Active
MLS # 1822557
Property Type Residential
 

62 Duxbury Ct Nashville, TN 37215

Price $1,585,000
Beds 4
Baths 7
Living Area SqFt 7,729
Status Active Under Contract
MLS # 1841725
Property Type Residential
 

1129 Radnor Glen Dr Brentwood, TN 37027

Price $1,580,000
Beds 4
Baths 7
Living Area SqFt 8,113
Status Active
MLS # 1804746
Property Type Residential
 

4013 Estes Rd Nashville, TN 37215

Price $1,575,000
Beds 4
Baths 5
Living Area SqFt 5,405
Status Active
MLS # 1865782
Property Type Residential
 

3821 W End Ave Ste 201 Nashville, TN 37215

Price $1,550,000
Beds 3
Baths 3
Living Area SqFt 3,956
Status Active
MLS # 1852036
Property Type Condo
 

3633 West End Nashville, TN 37205

Price $1,500,000
Beds 2
Baths 3
Living Area SqFt 2,882
Status Active
MLS # 1859552
Property Type Condo
 

6752 Gower Rd Nashville, TN 37209

Price $1,500,000
Beds 2
Baths 2
Living Area SqFt 2,081
Status Active
MLS # 1804795
Property Type Residential
 

3416 Richards St Nashville, TN 37215

Price $1,500,000
Beds 4
Baths 4
Living Area SqFt 4,730
Status Active
MLS # 1870646
Property Type Residential
 

204 Elmington Ave Nashville, TN 37205

Price $1,499,900
Beds 5
Baths 6
Living Area SqFt 4,137
Status Active
MLS # 1847169
Property Type Residential
 

4607 Lealand Lane Nashville, TN 37220

Price $1,499,000
Beds 4
Baths 5
Living Area SqFt 5,201
Status Active
MLS # 1867988
Property Type Residential
 

4013 Wallace Ln Nashville, TN 37215

Price $1,495,000
Beds 5
Baths 6
Living Area SqFt 4,850
Status Active
MLS # 1849980
Property Type Residential
 

1811 Beech Ave Nashville, TN 37203

Price $1,495,000
Beds 5
Baths 5
Living Area SqFt 5,072
Status Active
MLS # 1870749
Property Type Residential
 

1339 Burton Valley Rd Nashville, TN 37215

Price $1,480,000
Beds 4
Baths 5
Living Area SqFt 7,714
Status Active
MLS # 1861374
Property Type Residential
 

600 12th Ave S Apt 2204 Nashville, TN 37203

Price $1,475,000
Beds 2
Baths 2
Living Area SqFt 1,750
Status Active
MLS # 1857692
Property Type Condo
 

925 Dorset Dr Brentwood, TN 37027

Price $1,475,000
Beds 5
Baths 7
Living Area SqFt 5,760
Status Active
MLS # 1856217
Property Type Residential
 

2461 Old Hickory Blvd Nashville, TN 37221

Price $1,465,000
Beds 4
Baths 6
Living Area SqFt 5,358
Status Active
MLS # 1819430
Property Type Residential
 

4309b Sneed Rd Nashville, TN 37215

Price $1,450,000
Beds 5
Baths 5
Living Area SqFt 5,020
Status Active
MLS # 1856267
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"