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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3817 Whitland Ave Nashville, TN 37205

Price $1,500,000
Beds 4
Baths 5
Living Area SqFt 4,592
Status Active
MLS # 1804244
Property Type Residential
 

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
 

424 Glen West Dr. Nashville, TN 37215

Price $1,500,000
Beds 4
Baths 5
Living Area SqFt 4,484
Status Active
MLS # 1836171
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
 

1811 Graybar Lane Nashville, TN 37215

Price $1,499,000
Beds 4
Baths 5
Living Area SqFt 5,171
Status Active
MLS # 1830363
Property Type Residential
 

2711 Brightwood Ave Nashville, TN 37212

Price $1,497,000
Beds 5
Baths 5
Living Area SqFt 4,891
Status Active
MLS # 1829151
Property Type Residential
 

2313 Warfield Ln Nashville, TN 37215

Price $1,485,000
Beds 4
Baths 6
Living Area SqFt 5,500
Status Active
MLS # 1813072
Property Type Residential
 

925 Dorset Dr Brentwood, TN 37027

Price $1,475,000
Beds 5
Baths 7
Living Area SqFt 5,760
Status Active
MLS # 1792311
Property Type Residential
 

1504 Sweetbriar Ave Nashville, TN 37212

Price $1,475,000
Beds 5
Baths 3
Living Area SqFt 3,640
Status Active Under Contract
MLS # 1815351
Property Type Residential
 

2715 Brightwood Ave Nashville, TN 37212

Price $1,475,000
Beds 4
Baths 4
Living Area SqFt 4,775
Status Active
MLS # 1837222
Property Type Residential
 

4720 Chalmers Dr Nashville, TN 37215

Price $1,450,000
Beds 4
Baths 7
Living Area SqFt 5,141
Status Active
MLS # 1818833
Property Type Residential
 

547 Close Ln Nashville, TN 37205

Price $1,450,000
Beds 4
Baths 5
Living Area SqFt 5,726
Status Active
MLS # 1834941
Property Type Residential
 

5526 Highway 12 Nashville, TN 37218

Price $1,430,000
Beds 2
Baths 1
Living Area SqFt 1,400
Status Active
MLS # 1745891
Property Type Residential
 

2808a Wimbledon Nashville, TN 37215

Price $1,425,000
Beds 4
Baths 6
Living Area SqFt 4,668
Status Active
MLS # 1821145
Property Type Residential
 

2843 Sugar Tree Rd Nashville, TN 37215

Price $1,425,000
Beds 5
Baths 5
Living Area SqFt 4,850
Status Active
MLS # 1835245
Property Type Residential
 

419 W Hillwood Dr Nashville, TN 37205

Price $1,400,000
Beds 5
Baths 6
Living Area SqFt 6,144
Status Active
MLS # 1831484
Property Type Residential
 

4309 Lindawood Dr Nashville, TN 37215

Price $1,399,900
Beds 4
Baths 6
Living Area SqFt 5,388
Status Active
MLS # 1775089
Property Type Residential
 

4311 Lindawood Dr Nashville, TN 37215

Price $1,399,900
Beds 5
Baths 5
Living Area SqFt 5,235
Status Active Under Contract
MLS # 1775090
Property Type Residential
 

6732 Darden Pl Nashville, TN 37205

Price $1,399,900
Beds 5
Baths 6
Living Area SqFt 5,091
Status Active
MLS # 1793246
Property Type Residential
 

4606 Belmont Park Ter Nashville, TN 37215

Price $1,399,900
Beds 5
Baths 7
Living Area SqFt 7,102
Status Active
MLS # 1823658
Property Type Residential
 

908 Archer St Nashville, TN 37203

Price $1,399,850
Beds 4
Baths 6
Living Area SqFt 4,545
Status Active
MLS # 1812318
Property Type Residential
 

4605 Lealand Lane Nashville, TN 37220

Price $1,399,000
Beds 4
Baths 5
Living Area SqFt 5,049
Status Active
MLS # 1823055
Property Type Residential
 

305 Bowling Avenue Nashville, TN 37205

Price $1,395,000
Beds 4
Baths 5
Living Area SqFt 5,163
Status Active
MLS # 1815648
Property Type Residential
 

1121 Radnor Glen Dr Brentwood, TN 37027

Price $1,395,000
Beds 5
Baths 7
Living Area SqFt 7,371
Status Active
MLS # 1816574
Property Type Residential
 

3132 Forrest Park Ave Nashville, TN 37215

Price $1,395,000
Beds 5
Baths 6
Living Area SqFt 5,694
Status Active
MLS # 1818389
Property Type Residential
 

3500 Hilldale Dr Nashville, TN 37215

Price $1,395,000
Beds 4
Baths 4
Living Area SqFt 5,640
Status Active
MLS # 1826800
Property Type Residential
 

206 Jones Pkwy Lot 201 Brentwood, TN 37027

Price $1,389,900
Beds 5
Baths 7
Living Area SqFt 5,036
Status Active
MLS # 1786008
Property Type Residential
 

700 12th Ave S Unit 1402 Nashville, TN 37203

Price $1,375,000
Beds 2
Baths 2
Living Area SqFt 2,439
Status Active
MLS # 1819336
Property Type Condo
 

4020 Graybar Ct Nashville, TN 37215

Price $1,360,000
Beds 5
Baths 6
Living Area SqFt 4,860
Status Active
MLS # 1790495
Property Type Residential
 

6461 Worchester Dr Nashville, TN 37221

Price $1,359,900
Beds 4
Baths 5
Living Area SqFt 4,755
Status Active
MLS # 1818789
Property Type Residential
 

5805 Chaseview Rd Nashville, TN 37221

$1,359,000 - 4Br/6Ba -  for Sale in Chase Creek, Nashville
Open House
New
Price $1,359,000
Beds 4
Baths 6
Living Area SqFt 4,677
Status Active
MLS # 1839655
Property Type Residential
 

4107 Dorcas Dr Nashville, TN 37215

Price $1,350,000
Beds 5
Baths 5
Living Area SqFt 4,934
Status Active
MLS # 1795339
Property Type Residential
 

910 Dorset Dr Brentwood, TN 37027

Price $1,349,900
Beds 5
Baths 4
Living Area SqFt 5,255
Status Active Under Contract
MLS # 1822168
Property Type Residential
 

740 Darden Pl Nashville, TN 37205

Price $1,349,000
Beds 4
Baths 6
Living Area SqFt 5,215
Status Active
MLS # 1769132
Property Type Residential
 

1212 Laurel St. #801 Nashville, TN 37203

Price $1,345,000
Beds 2
Baths 3
Living Area SqFt 1,867
Status Active
MLS # 1813928
Property Type Condo
 

114b Lasalle Ct Nashville, TN 37205

Price $1,345,000
Beds 5
Baths 6
Living Area SqFt 6,169
Status Active
MLS # 1839218
Property Type Residential
 

3610d West End Ave (#101) Nashville, TN 37205

Price $1,342,680
Beds 4
Baths 6
Living Area SqFt 4,554
Status Active
MLS # 1799892
Property Type Residential
 

3619 Woodmont Blvd Nashville, TN 37215

Price $1,325,000
Beds 5
Baths 6
Living Area SqFt 4,585
Status Active
MLS # 1834567
Property Type Residential
 

3205 Overlook Dr Nashville, TN 37212

Price $1,325,000
Beds 4
Baths 4
Living Area SqFt 4,992
Status Active
MLS # 1835220
Property Type Residential
 

6103 Robin Hill Rd Nashville, TN 37205

Price $1,324,900
Beds 4
Baths 5
Living Area SqFt 4,587
Status Active
MLS # 1831796
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"