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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1973 Tinnin Rd Goodlettsville, TN 37072

Price $1,099,000
Beds 5
Baths 5
Living Area SqFt 6,514
Status Active
MLS # 1940082
Property Type Residential
 

4047 Lealand Lane Nashville, TN 37204

$1,099,000 - 4Br/4Ba -  for Sale in Lealand Commons, Nashville
New
Price $1,099,000
Beds 4
Baths 4
Living Area SqFt 4,086
Status Active
MLS # 1941532
Property Type Residential
 

4222 Jamesborough Pl Nashville, TN 37215

Price $1,095,000
Beds 6
Baths 7
Living Area SqFt 7,210
Status Active
MLS # 1870564
Property Type Residential
 

1329 Duncanwood Ct Nashville, TN 37204

Price $1,095,000
Beds 3
Baths 5
Living Area SqFt 3,580
Status Active
MLS # 1940963
Property Type Residential
 

3912 Abbott Martin Rd Nashville, TN 37215

Price $1,075,000
Beds 5
Baths 5
Living Area SqFt 4,158
Status Active
MLS # 1926856
Property Type Residential
 

2006a Galbraith Dr Nashville, TN 37215

Price $1,074,900
Beds 4
Baths 6
Living Area SqFt 5,101
Status Active
MLS # 1909354
Property Type Residential
 

3420b Benham Ave Nashville, TN 37215

Price $1,074,900
Beds 5
Baths 6
Living Area SqFt 4,161
Status Active
MLS # 1937549
Property Type Residential
 

3737 West End Ave #302 Nashville, TN 37205

Price $1,070,000
Beds 3
Baths 4
Living Area SqFt 3,247
Status Active
MLS # 1862068
Property Type Condo
 

805 Foster Hill Nashville, TN 37215

Price $1,067,500
Beds 3
Baths 4
Living Area SqFt 4,451
Status Active
MLS # 1900996
Property Type Residential
 

4107 Westlawn Dr Nashville, TN 37209

Price $1,056,000
Beds 5
Baths 4
Living Area SqFt 3,624
Status Active
MLS # 1930259
Property Type Residential
 

110 31st Ave N Apt 802 Nashville, TN 37203

Price $1,050,000
Beds 3
Baths 3
Living Area SqFt 2,614
Status Active
MLS # 1934062
Property Type Condo
 

3358 Acklen Ave Nashville, TN 37212

Price $1,050,000
Beds 4
Baths 4
Living Area SqFt 3,926
Status Active
MLS # 1938792
Property Type Residential
 

3425 Amanda Avenue Nashville, TN 37215

Price $1,049,900
Beds 4
Baths 5
Living Area SqFt 3,761
Status Active Under Contract
MLS # 1925037
Property Type Residential
 

1919 Castleman Dr. Nashville, TN 37215

Price $1,049,000
Beds 5
Baths 4
Living Area SqFt 3,893
Status Active
MLS # 1905522
Property Type Residential
 

4117 Nebraska Avenue Nashville, TN 37209

Price $1,049,000
Beds 5
Baths 5
Living Area SqFt 3,600
Status Active Under Contract
MLS # 1926530
Property Type Residential
 

6412 Worchester Dr Nashville, TN 37221

$1,049,000 - 4Br/5Ba -  for Sale in Devonshire Manor, Nashville
New
Price $1,049,000
Beds 4
Baths 5
Living Area SqFt 5,200
Status Active
MLS # 1941273
Property Type Residential
 

3610a West End Ave. (#104) Nashville, TN 37205

Price $1,042,365
Beds 3
Baths 4
Living Area SqFt 2,860
Status Active
MLS # 1898345
Property Type Residential
 

3623 Woodmont Blvd Nashville, TN 37215

Price $1,040,000
Beds 5
Baths 5
Living Area SqFt 4,413
Status Active
MLS # 1902284
Property Type Residential
 

515 Church Street #3504, Nashville

Price $1,025,000
Beds 2
Baths 2
Living Area SqFt 1,071
Status Active
MLS # 1916858
Property Type Condo
 

3404 Love Circle Nashville, TN 37212

Price $1,025,000
Beds 4
Baths 4
Living Area SqFt 3,911
Status Active
MLS # 1937878
Property Type Residential
 

3610b West End Ave. (#103) Nashville, TN 37205

Price $1,023,865
Beds 3
Baths 4
Living Area SqFt 2,813
Status Active
MLS # 1898347
Property Type Residential
 

3610c West End Ave. (#102) Nashville, TN 37205

Price $1,023,625
Beds 3
Baths 4
Living Area SqFt 2,813
Status Active
MLS # 1898316
Property Type Residential
 

3616b West End Ave *117 Nashville, TN 37205

Price $1,020,325
Beds 3
Baths 4
Living Area SqFt 2,826
Status Active
MLS # 1898350
Property Type Residential
 

515 Church Street #4108, Nashville

Price $1,015,000
Beds 2
Baths 2
Living Area SqFt 1,075
Status Active
MLS # 1916875
Property Type Condo
 

4109 Westlawn Dr Nashville, TN 37209

Price $1,015,000
Beds 4
Baths 3
Living Area SqFt 3,244
Status Active Under Contract
MLS # 1906219
Property Type Residential
 

3608 D West End Ave. (#105) Nashville, TN 37205

Price $1,014,425
Beds 3
Baths 4
Living Area SqFt 2,850
Status Active
MLS # 1933708
Property Type Residential
 

3614 A West End Ave. (#122) Nashville, TN 37205

Price $1,013,235
Beds 3
Baths 4
Living Area SqFt 2,850
Status Active
MLS # 1934340
Property Type Residential
 

3616c West End Ave *116 Nashville, TN 37205

Price $1,012,390
Beds 3
Baths 4
Living Area SqFt 2,779
Status Active
MLS # 1898352
Property Type Residential
 

851 Clayton Ave Nashville, TN 37204

Price $1,003,210
Beds 5
Baths 5
Living Area SqFt 3,690
Status Active Under Contract
MLS # 1895635
Property Type Residential
 

701 Taylor St Nashville, TN 37208

Price $1,000,000
Beds 3
Baths 4
Living Area SqFt 2,678
Status Active
MLS # 1937877
Property Type Residential
 

605 Green Park Nashville, TN 37215

$1,000,000 - 4Br/4Ba -  for Sale in Abbottsford, Nashville
New
Price $1,000,000
Beds 4
Baths 4
Living Area SqFt 4,186
Status Active
MLS # 1941713
Property Type Residential
 

142 39th Ave N Nashville, TN 37209

Price $999,999
Beds 4
Baths 6
Living Area SqFt 3,689
Status Active
MLS # 1873418
Property Type Residential
 

1012 Monroe Nashville, TN 37208

Price $999,990
Beds 4
Baths 4
Living Area SqFt 3,753
Status Active
MLS # 1868120
Property Type Residential
 

1811 Blair Blvd Nashville, TN 37212

Price $999,900
Beds 4
Baths 3
Living Area SqFt 3,401
Status Active
MLS # 1926175
Property Type Residential
 

971 Greerland Dr Nashville, TN 37204

Price $999,900
Beds 4
Baths 4
Living Area SqFt 3,778
Status Active
MLS # 1934509
Property Type Residential
 

973 Greerland Dr Nashville, TN 37204

Price $999,900
Beds 4
Baths 4
Living Area SqFt 3,778
Status Active
MLS # 1934602
Property Type Residential
 

3000 Poston Avenue 306 Nashville, TN 37203

Price $999,000
Beds 2
Baths 3
Living Area SqFt 1,910
Status Active
MLS # 1868849
Property Type Condo
 

117 Abbottsford Nashville, TN 37215

Price $999,000
Beds 4
Baths 5
Living Area SqFt 4,328
Status Active
MLS # 1912800
Property Type Residential
 

1410 Sigler St Nashville, TN 37203

Price $998,999
Beds 4
Baths 5
Living Area SqFt 3,216
Status Active
MLS # 1920552
Property Type Residential
 

3507 Richland Ave Nashville, TN 37205

Price $998,900
Beds 4
Baths 3
Living Area SqFt 3,000
Status Active Under Contract
MLS # 1906599
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"