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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4210 Sneed Rd Nashville, TN 37215

Price $1,799,900
Beds 5
Baths 6
Living Area SqFt 5,050
Status Active
MLS # 1836157
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
 

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

Price $1,772,240
Beds 4
Baths 5
Living Area SqFt 4,995
Status Active
MLS # 1800207
Property Type Residential
 

3701 West End Avenue Nashville, TN 37205

Price $1,750,000
Beds 4
Baths 5
Living Area SqFt 4,892
Status Active Under Contract
MLS # 1807331
Property Type Condo
 

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
 

142 Heady Dr Nashville, TN 37205

Price $1,749,000
Beds 5
Baths 6
Living Area SqFt 5,967
Status Active Under Contract
MLS # 1845375
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
 

3908 Trimble Rd Nashville, TN 37215

Price $1,725,000
Beds 5
Baths 7
Living Area SqFt 5,410
Status Active
MLS # 1799341
Property Type Residential
 

155 Brookfield Ave Nashville, TN 37205

Price $1,700,000
Beds 5
Baths 7
Living Area SqFt 5,475
Status Active
MLS # 1855981
Property Type Residential
 

3653 Richland Ave. Nashville, TN 37205

Price $1,682,610
Beds 5
Baths 6
Living Area SqFt 5,095
Status Active Under Contract
MLS # 1719318
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
 

1212 Goodloe Dr. Nashville, TN 37215

Price $1,650,000
Beds 5
Baths 6
Living Area SqFt 5,835
Status Active Under Contract
MLS # 1825875
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
 

4722 Lickton Pike Whites Creek, TN 37189

Price $1,600,000
Beds 3
Baths 2
Living Area SqFt 3,059
Status Active
MLS # 1743969
Property Type Residential
 

223 Oceola Ave Nashville, TN 37209

$1,600,000 - 0Br/2Ba -  for Sale in Vernon Farm, Nashville
New
Price $1,600,000
Baths 2
Living Area SqFt 5,120
Status Active
MLS # 1857279
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 # 1852101
Property Type Residential
 

180 9th Ave. N. Nashville, TN 37203

Price $1,599,000
Beds 4
Baths 4
Living Area SqFt 5,700
Status Active
MLS # 1807527
Property Type Condo
 

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
 

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
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
 

5029 High Valley Dr Brentwood, TN 37027

Price $1,579,000
Beds 5
Baths 6
Living Area SqFt 7,108
Status Active Under Contract
MLS # 1823515
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
 

4613 General Lowrey Dr Nashville, TN 37215

Price $1,549,900
Beds 5
Baths 8
Living Area SqFt 8,421
Status Active Under Contract
MLS # 1745969
Property Type Residential
 

3633 West End Nashville, TN 37205

Price $1,500,000
Beds 2
Baths 3
Living Area SqFt 2,882
Status Active
MLS # 1825444
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
 

100 Mcarthur Ridge Court Nashville, TN 37220

Price $1,500,000
Beds 4
Baths 7
Living Area SqFt 6,404
Status Active
MLS # 1829612
Property Type Residential
 

1607 Windy Ridge Dr Brentwood, TN 37027

Price $1,499,999
Beds 4
Baths 6
Living Area SqFt 4,796
Status Active
MLS # 1847981
Property Type Residential
 

117 Vaughns Gap Rd Nashville, TN 37205

Price $1,499,900
Beds 4
Baths 4
Living Area SqFt 5,481
Status Active
MLS # 1827899
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
 

3729 Woodmont Nashville, TN 37215

Price $1,499,000
Beds 4
Baths 5
Living Area SqFt 5,003
Status Active
MLS # 1801684
Property Type Residential
 

2401 Sterling Rd Nashville, TN 37215

Price $1,499,000
Beds 4
Baths 5
Living Area SqFt 4,636
Status Active
MLS # 1827274
Property Type Residential
 

1809 Graybar Lane Nashville, TN 37215

Price $1,499,000
Beds 4
Baths 5
Living Area SqFt 5,077
Status Active
MLS # 1830362
Property Type Residential
 

3804 Whitland Ave Nashville, TN 37205

Price $1,499,000
Beds 4
Baths 4
Living Area SqFt 4,204
Status Active
MLS # 1831392
Property Type Residential
 

2313 Warfield Ln Nashville, TN 37215

Price $1,499,000
Beds 4
Baths 6
Living Area SqFt 5,500
Status Active Under Contract
MLS # 1849338
Property Type Residential
 

2461 Old Hickory Blvd Nashville, TN 37221

Price $1,495,000
Beds 4
Baths 6
Living Area SqFt 5,358
Status Active
MLS # 1819430
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
 

9422 New Highway 96 W Franklin, TN 37064

Price $1,495,000
Beds 4
Baths 5
Living Area SqFt 5,231
Status Active
MLS # 1851387
Property Type Residential
 

9422 Highway 96 Franklin, TN 37064

Price $1,495,000
Beds 4
Baths 5
Living Area SqFt 5,231
Status Active
MLS # 1852221
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"