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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114b Lasalle Ct Nashville, TN 37205

Price $1,250,000
Beds 5
Baths 6
Living Area SqFt 6,169
Status Active
MLS # 1864898
Property Type Residential
 

117 Abbottsford Nashville, TN 37215

Price $1,250,000
Beds 4
Baths 5
Living Area SqFt 4,300
Status Active
MLS # 1867993
Property Type Residential
 

2007 Beechwood Ave Nashville, TN 37212

Price $1,249,900
Beds 5
Baths 5
Living Area SqFt 4,709
Status Active
MLS # 1842411
Property Type Residential
 

1709 Sweetbriar Ave Nashville, TN 37212

Price $1,245,000
Beds 4
Baths 5
Living Area SqFt 4,442
Status Active
MLS # 1851135
Property Type Residential
 

3619 Woodmont Blvd Nashville, TN 37215

Price $1,237,950
Beds 5
Baths 5
Living Area SqFt 4,585
Status Active
MLS # 1851712
Property Type Residential
 

1723 Glen Echo Rd. #12 Nashville, TN 37215

Price $1,230,000
Beds 4
Baths 5
Living Area SqFt 4,244
Status Active
MLS # 1835935
Property Type Residential
 

917 Caruthers Ave Nashville, TN 37204

Price $1,229,000
Beds 5
Baths 5
Living Area SqFt 4,005
Status Active
MLS # 1865721
Property Type Residential
 

7623 River Rd. Pike Nashville, TN 37209

Price $1,225,000
Beds 4
Baths 5
Living Area SqFt 4,733
Status Active
MLS # 1869405
Property Type Residential
 

106 Taggart Ave Nashville, TN 37205

Price $1,215,000
Beds 4
Baths 5
Living Area SqFt 4,250
Status Active
MLS # 1861666
Property Type Residential
 

2006 Lombardy Ave Nashville, TN 37215

Price $1,209,000
Beds 4
Baths 4
Living Area SqFt 4,304
Status Active
MLS # 1862186
Property Type Residential
 

1004 Acklen Ave Nashville, TN 37203

Price $1,200,000
Beds 5
Baths 6
Living Area SqFt 3,838
Status Active
MLS # 1817117
Property Type Residential
 

2533 Tinnin Rd Goodlettsville, TN 37072

Price $1,200,000
Beds 3
Baths 3
Living Area SqFt 3,410
Status Active
MLS # 1829347
Property Type Residential
 

3426b Hopkins St Nashville, TN 37215

Price $1,200,000
Beds 4
Baths 4
Living Area SqFt 4,409
Status Active
MLS # 1846702
Property Type Residential
 

6103 Robin Hill Rd Nashville, TN 37205

Price $1,200,000
Beds 4
Baths 5
Living Area SqFt 4,587
Status Active
MLS # 1862872
Property Type Residential
 

501 Wilson Blvd S Nashville, TN 37205

Price $1,200,000
Beds 4
Baths 4
Living Area SqFt 3,605
Status Active
MLS # 1869141
Property Type Residential
 

4222 Jamesborough Pl Nashville, TN 37215

Price $1,200,000
Beds 6
Baths 7
Living Area SqFt 7,210
Status Active
MLS # 1870564
Property Type Residential
 

805 Azura Landing Old Hickory, TN 37138

Price $1,199,900
Beds 5
Baths 7
Living Area SqFt 5,936
Status Active
MLS # 1820530
Property Type Residential
 

3912 Abbott Martin Rd Nashville, TN 37215

Price $1,199,000
Beds 5
Baths 5
Living Area SqFt 4,158
Status Active
MLS # 1863599
Property Type Residential
 

3910 Abbott Martin Rd Nashville, TN 37215

Price $1,199,000
Beds 4
Baths 5
Living Area SqFt 4,158
Status Active
MLS # 1863600
Property Type Residential
 

1709 Castleman Drive Nashville, TN 37215

Price $1,199,000
Beds 4
Baths 4
Living Area SqFt 3,951
Status Active
MLS # 1868020
Property Type Residential
 

1221 Old Hickory Blvd Brentwood, TN 37027

Price $1,195,000
Beds 6
Baths 4
Living Area SqFt 6,206
Status Active
MLS # 1857160
Property Type Residential
 

2455 Old Hickory Blvd Nashville, TN 37221

Price $1,190,200
Beds 4
Baths 4
Living Area SqFt 3,607
Status Active
MLS # 1864651
Property Type Residential
 

1711 Sevier St Nashville, TN 37206

Price $1,175,000
Beds 4
Baths 4
Living Area SqFt 3,579
Status Active
MLS # 1862314
Property Type Residential
 

2218 Belmont Blvd Apt 101 Nashville, TN 37212

Price $1,174,900
Beds 3
Baths 5
Living Area SqFt 3,272
Status Active
MLS # 1849257
Property Type Residential
 

3420a Benham Ave Nashville, TN 37215

Price $1,159,000
Beds 5
Baths 5
Living Area SqFt 4,160
Status Active
MLS # 1871831
Property Type Residential
 

415 Church St Apt 1301 Nashville, TN 37219

Price $1,150,000
Beds 3
Baths 3
Living Area SqFt 2,200
Status Active
MLS # 1868646
Property Type Condo
 

2807a White Oak Dr Nashville, TN 37215

Price $1,150,000
Beds 5
Baths 5
Living Area SqFt 4,775
Status Active
MLS # 1822488
Property Type Residential
 

2807b White Oak Dr Nashville, TN 37215

Price $1,150,000
Beds 5
Baths 5
Living Area SqFt 4,775
Status Active
MLS # 1822491
Property Type Residential
 

923 Halcyon Ave Nashville, TN 37204

Price $1,150,000
Beds 4
Baths 4
Living Area SqFt 4,341
Status Active
MLS # 1830898
Property Type Residential
 

2241 Kayla Dr Goodlettsville, TN 37072

Price $1,150,000
Beds 4
Baths 6
Living Area SqFt 7,868
Status Active
MLS # 1856065
Property Type Residential
 

211 Hillwood Blvd Nashville, TN 37205

Price $1,150,000
Beds 4
Baths 5
Living Area SqFt 4,992
Status Active
MLS # 1868975
Property Type Residential
 

3418 Amanda Ave Nashville, TN 37215

Price $1,150,000
Beds 4
Baths 4
Living Area SqFt 4,049
Status Active
MLS # 1869984
Property Type Residential
 

4022b Lealand Ln Nashville, TN 37204

Price $1,149,990
Beds 5
Baths 6
Living Area SqFt 4,728
Status Active
MLS # 1845750
Property Type Residential
 

5925 Sedberry Rd Nashville, TN 37205

Price $1,149,000
Beds 5
Baths 5
Living Area SqFt 5,013
Status Active
MLS # 1849875
Property Type Residential
 

2511 Natchez Trace Nashville, TN 37212

Price $1,149,000
Beds 4
Baths 5
Living Area SqFt 4,117
Status Active
MLS # 1860038
Property Type Residential
 

2000 Ashwood Ave Nashville, TN 37212

$1,146,500 - 6Br/5Ba -  for Sale in Hillsboro Village, Nashville
Open House
Price $1,146,500
Beds 6
Baths 5
Living Area SqFt 4,123
Status Active
MLS # 1867953
Property Type Residential
 

3000 Poston Ave Apt 401 Nashville, TN 37203

Price $1,125,000
Beds 3
Baths 3
Living Area SqFt 1,939
Status Active Under Contract
MLS # 1842261
Property Type Condo
 

2225 Castleman Dr Nashville, TN 37215

Price $1,125,000
Beds 5
Baths 5
Living Area SqFt 4,353
Status Active
MLS # 1855500
Property Type Residential
 

3415b Benham Ave Nashville, TN 37215

Price $1,124,000
Beds 4
Baths 5
Living Area SqFt 4,243
Status Active
MLS # 1865232
Property Type Residential
 

3737 West End Ave #302 Nashville, TN 37205

Price $1,115,000
Beds 3
Baths 4
Living Area SqFt 3,247
Status Active
MLS # 1862068
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"