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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4309b Sneed Rd Nashville, TN 37215

Price $1,449,000
Beds 5
Baths 5
Living Area SqFt 5,020
Status Active
MLS # 1920110
Property Type Residential
 

741 Bresslyn Rd Nashville, TN 37205

$1,437,900 - 4Br/5Ba -  for Sale in West Meade/hillwood, Nashville
Open House
New
Price $1,437,900
Beds 4
Baths 5
Living Area SqFt 5,058
Status Active
MLS # 1932319
Property Type Residential
 

1727 Glen Echo Rd. Lot #11 Nashville, TN 37215

Price $1,435,000
Beds 4
Baths 5
Living Area SqFt 4,370
Status Active Under Contract
MLS # 1906573
Property Type Residential
 

5526 Ashland City Hwy Nashville, TN 37218

Price $1,430,000
Beds 3
Baths 1
Living Area SqFt 1,473
Status Active
MLS # 1844487
Property Type Residential
 

3800 Abbott Martin Rd Nashville, TN 37215

Price $1,424,747
Beds 4
Baths 4
Living Area SqFt 4,631
Status Active
MLS # 1914862
Property Type Residential
 

2617 Essex Pl Nashville, TN 37212

Price $1,400,000
Beds 4
Baths 4
Living Area SqFt 4,270
Status Active
MLS # 1917477
Property Type Residential
 

612 Cantrell Ave Nashville, TN 37215

Price $1,400,000
Beds 5
Baths 8
Living Area SqFt 5,927
Status Active
MLS # 1930698
Property Type Residential
 

1607 Windy Ridge Dr Brentwood, TN 37027

Price $1,399,999
Beds 4
Baths 6
Living Area SqFt 4,796
Status Active
MLS # 1893402
Property Type Residential
 

2010 Linden Ave Nashville, TN 37212

Price $1,399,000
Beds 4
Baths 5
Living Area SqFt 4,544
Status Active Under Contract
MLS # 1928647
Property Type Residential
 

1510 Demonbreun St Apt 1501 Nashville, TN 37203

Price $1,398,800
Beds 2
Baths 3
Living Area SqFt 2,770
Status Active Under Contract
MLS # 1910699
Property Type Condo
 

1811 Beech Ave Nashville, TN 37203

Price $1,395,000
Beds 5
Baths 5
Living Area SqFt 5,072
Status Active
MLS # 1870749
Property Type Residential
 

3327 Acklen Ave Nashville, TN 37212

Price $1,380,000
Beds 5
Baths 7
Living Area SqFt 5,472
Status Active Under Contract
MLS # 1915952
Property Type Residential
 

1805 Writers Circle (#46) Brentwood, TN 37027

Price $1,379,500
Beds 4
Baths 5
Living Area SqFt 3,962
Status Active
MLS # 1918277
Property Type Residential
 

6233 Bresslyn Rd Nashville, TN 37205

Price $1,375,000
Beds 6
Baths 6
Living Area SqFt 5,200
Status Active
MLS # 1920376
Property Type Residential
 

1908 Elliott Ave Nashville, TN 37204

Price $1,375,000
Beds 4
Baths 4
Living Area SqFt 5,859
Status Active Under Contract
MLS # 1928391
Property Type Residential
 

1625 S Observatory Dr Nashville, TN 37215

Price $1,350,000
Beds 5
Baths 5
Living Area SqFt 4,285
Status Active
MLS # 1890484
Property Type Residential
 

7622 Bidwell Rd Joelton, TN 37080

Price $1,350,000
Beds 3
Baths 4
Living Area SqFt 6,604
Status Active
MLS # 1899628
Property Type Residential
 

3924 Wallace Ln Nashville, TN 37215

Price $1,348,000
Beds 4
Baths 6
Living Area SqFt 4,301
Status Active
MLS # 1910533
Property Type Residential
 

525 W Hillwood Dr Nashville, TN 37205

Price $1,334,900
Beds 4
Baths 5
Living Area SqFt 4,480
Status Active Under Contract
MLS # 1915314
Property Type Residential
 

2424b Abbott Martin Rd Nashville, TN 37215

Price $1,329,900
Beds 5
Baths 5
Living Area SqFt 4,744
Status Active
MLS # 1928835
Property Type Residential
 

547 Close Ln Nashville, TN 37205

Price $1,329,000
Beds 4
Baths 5
Living Area SqFt 5,726
Status Active
MLS # 1900455
Property Type Residential
 

3111 Overlook Dr Nashville, TN 37212

Price $1,300,000
Beds 4
Baths 5
Living Area SqFt 4,156
Status Active
MLS # 1901037
Property Type Residential
 

223 Oceola Ave Nashville, TN 37209

Price $1,300,000
Living Area SqFt 5,120
Status Active Under Contract
MLS # 1921478
Property Type Residential
 
 
 

1021 Summitt Ave Nashville, TN 37203

Price $1,299,900
Beds 6
Baths 6
Living Area SqFt 3,504
Status Active
MLS # 1872880
Property Type Residential
 

117 Lasalle Ct Nashville, TN 37205

Price $1,299,900
Beds 4
Baths 5
Living Area SqFt 3,800
Status Active
MLS # 1912951
Property Type Residential
 

762 Brownlee Dr Nashville, TN 37205

Price $1,299,000
Beds 5
Baths 5
Living Area SqFt 4,640
Status Active
MLS # 1930255
Property Type Residential
 

900 20th Ave S Apt 1111 Nashville, TN 37212

Price $1,295,000
Beds 2
Baths 3
Living Area SqFt 2,075
Status Active
MLS # 1864834
Property Type Condo
 

2033a Castleman Dr Nashville, TN 37215

Price $1,295,000
Beds 5
Baths 6
Living Area SqFt 4,340
Status Active
MLS # 1888372
Property Type Residential
 

3504a Amanda Ave Nashville, TN 37215

Price $1,292,000
Beds 4
Baths 5
Living Area SqFt 4,795
Status Active Under Contract
MLS # 1910364
Property Type Residential
 

20 Rutledge St #107 Nashville, TN 37210

$1,269,900 - 3Br/4Ba -  for Sale in Citylights, Nashville
Open House
Price $1,269,900
Beds 3
Baths 4
Living Area SqFt 2,502
Status Active
MLS # 1929271
Property Type Condo
 

4408a Hunt Pl Nashville, TN 37215

Price $1,269,900
Beds 4
Baths 6
Living Area SqFt 4,290
Status Active
MLS # 1927324
Property Type Residential
 

4408b Hunt Pl Nashville, TN 37215

Price $1,269,900
Beds 4
Baths 6
Living Area SqFt 4,290
Status Active
MLS # 1927325
Property Type Residential
 

900 20th Ave S Apt 1601 Nashville, TN 37203

Price $1,250,000
Beds 2
Baths 2
Living Area SqFt 1,829
Status Active
MLS # 1898949
Property Type Condo
 

8405 Old Harding Pike Nashville, TN 37221

Price $1,250,000
Beds 4
Baths 4
Living Area SqFt 4,000
Status Active
MLS # 1925806
Property Type Residential
 

1911 Beechwood Ave Nashville, TN 37212

Price $1,250,000
Beds 4
Baths 4
Living Area SqFt 3,761
Status Active
MLS # 1930742
Property Type Residential
 

4022b Lealand Ln Nashville, TN 37204

Price $1,249,900
Beds 5
Baths 6
Living Area SqFt 4,728
Status Active
MLS # 1927721
Property Type Residential
 

2502 Ashwood Ave Nashville, TN 37212

Price $1,240,000
Beds 4
Baths 5
Living Area SqFt 3,627
Status Active Under Contract
MLS # 1921702
Property Type Residential
 

3207 Long Blvd Nashville, TN 37203

Price $1,225,000
Beds 4
Baths 2
Living Area SqFt 1,846
Status Active
MLS # 1903537
Property Type Residential
 

515 Church Street #4203, Nashville

Price $1,220,000
Beds 2
Baths 2
Living Area SqFt 1,334
Status Active
MLS # 1916929
Property Type Condo
 

515 Church Street #3506, Nashville

Price $1,220,000
Beds 2
Baths 2
Living Area SqFt 1,053
Status Active
MLS # 1926300
Property Type Condo
 

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"