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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3621 Woodmont Blvd Nashville, TN 37215

Price $1,120,000
Beds 5
Baths 6
Living Area SqFt 4,349
Status Active
MLS # 1851701
Property Type Residential
 

2253b Castleman Dr Nashville, TN 37215

Price $1,119,000
Beds 5
Baths 4
Living Area SqFt 3,897
Status Active
MLS # 1857573
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
 

320 Broadway Nashville, TN 37201

Price $1,100,000
Beds 1
Baths 2
Living Area SqFt 1,101
Status Active Under Contract
MLS # 1853099
Property Type Condo
 

1803 5th Ave N Nashville, TN 37208

Price $1,100,000
Beds 1
Baths 1
Living Area SqFt 1,877
Status Active
MLS # 1804987
Property Type Residential
 

4321 Estes Rd Nashville, TN 37215

Price $1,100,000
Beds 3
Baths 3
Living Area SqFt 2,809
Status Active Under Contract
MLS # 1825595
Property Type Residential
 

1200 Sigler St Se, Nashville

Price $1,100,000
Beds 6
Baths 5
Living Area SqFt 6,700
Status Active
MLS # 1842738
Property Type Residential
 

1909 Sevier St Nashville, TN 37206

Price $1,100,000
Beds 5
Baths 5
Living Area SqFt 3,667
Status Active
MLS # 1862304
Property Type Residential
 

1101 Ozark St Nashville, TN 37206

Price $1,100,000
Beds 5
Baths 5
Living Area SqFt 3,667
Status Active
MLS # 1862310
Property Type Residential
 

111 W End Close Nashville, TN 37205

Price $1,099,990
Beds 3
Baths 3
Living Area SqFt 3,272
Status Active
MLS # 1857211
Property Type Condo
 

4022a Lealand Ln Nashville, TN 37204

Price $1,099,990
Beds 5
Baths 4
Living Area SqFt 4,273
Status Active
MLS # 1845751
Property Type Residential
 

429 Glen West Dr Lot 7, Nashville

Price $1,099,900
Beds 4
Baths 4
Living Area SqFt 4,044
Status Active
MLS # 1805890
Property Type Residential
 

2310 Vaulx Ln Nashville, TN 37204

Price $1,099,000
Beds 4
Baths 3
Living Area SqFt 3,011
Status Active
MLS # 1845035
Property Type Residential
 

142 39th Ave N Nashville, TN 37209

Price $1,099,000
Beds 4
Baths 6
Living Area SqFt 3,689
Status Active
MLS # 1857603
Property Type Residential
 

5 Middleton Park Ln Nashville, TN 37215

Price $1,097,000
Beds 4
Baths 6
Living Area SqFt 5,155
Status Active
MLS # 1859003
Property Type Residential
 

4400 Estes Rd Nashville, TN 37215

Price $1,095,000
Beds 4
Baths 4
Living Area SqFt 4,456
Status Active
MLS # 1841810
Property Type Residential
 

61 Whitworth Blvd Nashville, TN 37205

Price $1,095,000
Beds 4
Baths 4
Living Area SqFt 5,309
Status Active
MLS # 1846432
Property Type Residential
 

5617 Ottershaw Court Brentwood, TN 37027

Price $1,050,000
Beds 5
Baths 5
Living Area SqFt 8,154
Status Active Under Contract
MLS # 1838218
Property Type Residential
 

1415 Gale Ln Nashville, TN 37212

Price $1,050,000
Beds 5
Baths 5
Living Area SqFt 3,675
Status Active Under Contract
MLS # 1842583
Property Type Residential
 

1408 Sigler St Nashville, TN 37203

Price $1,050,000
Beds 4
Baths 5
Living Area SqFt 3,066
Status Active Under Contract
MLS # 1850664
Property Type Residential
 

1014 Battlefield Dr Nashville, TN 37204

Price $1,050,000
Beds 5
Baths 5
Living Area SqFt 4,663
Status Active
MLS # 1855943
Property Type Residential
 

6429 Worchester Dr Nashville, TN 37221

Price $1,049,900
Beds 4
Baths 4
Living Area SqFt 5,331
Status Active Under Contract
MLS # 1850684
Property Type Residential
 

3513 Ruland Pl Nashville, TN 37215

Price $1,025,000
Beds 4
Baths 4
Living Area SqFt 4,115
Status Active
MLS # 1853023
Property Type Residential
 

1410 Sigler St Nashville, TN 37203

Price $1,025,000
Beds 4
Baths 5
Living Area SqFt 3,216
Status Active
MLS # 1857668
Property Type Residential
 

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

Price $1,019,725
Beds 3
Baths 4
Living Area SqFt 2,860
Status Active
MLS # 1843179
Property Type Residential
 

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

Price $1,002,345
Beds 3
Baths 4
Living Area SqFt 2,813
Status Active
MLS # 1843176
Property Type Residential
 

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

Price $1,001,550
Beds 3
Baths 4
Living Area SqFt 2,813
Status Active
MLS # 1843174
Property Type Residential
 

310 Greenway Av Nashville, TN 37205

Price $1,000,000
Beds 3
Baths 2
Living Area SqFt 2,290
Status Active
MLS # 1834886
Property Type Residential
 

4112 Brandywine Pointe Blvd Old Hickory, TN 37138

Price $1,000,000
Beds 5
Baths 6
Living Area SqFt 8,276
Status Active
MLS # 1863480
Property Type Residential
 

3705a Estes Rd Nashville, TN 37215

Price $999,900
Beds 5
Baths 4
Living Area SqFt 3,863
Status Active
MLS # 1812411
Property Type Residential
 

3705b Estes Rd Nashville, TN 37215

Price $999,900
Beds 5
Baths 4
Living Area SqFt 3,860
Status Active
MLS # 1812412
Property Type Residential
 

2037 Overhill Dr Nashville, TN 37215

Price $999,900
Beds 3
Baths 5
Living Area SqFt 3,960
Status Active
MLS # 1834773
Property Type Residential
 

923 Waldkirch Ave Nashville, TN 37204

Price $999,500
Beds 4
Baths 3
Living Area SqFt 3,852
Status Active
MLS # 1838780
Property Type Residential
 

6412 Worchester Dr Nashville, TN 37221

Price $999,000
Beds 4
Baths 5
Living Area SqFt 5,200
Status Active
MLS # 1843442
Property Type Residential
 

144 Vaughns Gap Rd Nashville, TN 37205

Price $999,000
Beds 5
Baths 5
Living Area SqFt 4,827
Status Active
MLS # 1859307
Property Type Residential
 

1507 4th Ave N Nashville, TN 37208

Price $998,750
Beds 3
Baths 4
Living Area SqFt 2,871
Status Active
MLS # 1856179
Property Type Condo
 

1212 Laurel St Apt 902 Nashville, TN 37203

Price $998,000
Beds 2
Baths 3
Living Area SqFt 1,563
Status Active
MLS # 1849206
Property Type Condo
 

2007b Overhill B Nashville, TN 37215

Price $995,000
Beds 5
Baths 7
Living Area SqFt 5,210
Status Active
MLS # 1859751
Property Type Residential
 

3201 Acklen Ave Nashville, TN 37212

Price $989,000
Beds 4
Baths 4
Living Area SqFt 4,073
Status Active
MLS # 1825390
Property Type Residential
 

2003b Galbraith Dr Nashville, TN 37215

Price $985,000
Beds 4
Baths 5
Living Area SqFt 3,897
Status Active
MLS # 1833871
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"