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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1011 Ashmore Dr Nashville, TN 37211

Price $262,500
Beds 3
Baths 3
Living Area SqFt 1,645
Status Active Under Contract
MLS # 1946009
Property Type Condo
 

748 1st Ave N Nashville, TN 37201

$262,500 - 1Br/1Ba -  for Sale in Riverfront, Nashville
New
Price $262,500
Beds 1
Baths 1
Living Area SqFt 630
Status Active Under Contract
MLS # 1949604
Property Type Condo
 

2013 Village Park Cir Lot 30 Old Hickory, TN 37138

Price $262,400
Beds 3
Baths 3
Living Area SqFt 1,472
Status Active
MLS # 1936993
Property Type Residential
 

325 Upper Mill Dr Antioch, TN 37013

Price $262,400
Beds 3
Baths 2
Living Area SqFt 1,760
Status Active Under Contract
MLS # 1941138
Property Type Residential
 

352 Upper Mill Drive Antioch, TN 37013

Price $262,000
Beds 3
Baths 2
Living Area SqFt 1,958
Status Active Under Contract
MLS # 1945345
Property Type Residential
 

928 Wemberton Dr Nashville, TN 37214

Price $261,000
Beds 3
Baths 2
Living Area SqFt 1,338
Status Active Under Contract
MLS # 1936064
Property Type Residential
 

206 Miles Ct Nashville, TN 37205

Price $260,000
Beds 2
Baths 2
Living Area SqFt 1,340
Status Active Under Contract
MLS # 1939993
Property Type Condo
 

2662 Miami Ave Nashville, TN 37214

Price $260,000
Beds 3
Baths 2
Living Area SqFt 1,458
Status Active
MLS # 1908769
Property Type Residential
 

1906 10th Ave N Nashville, TN 37208

Price $260,000
Beds 4
Baths 2
Living Area SqFt 1,600
Status Active
MLS # 1910795
Property Type Residential
 

1000 Aldersgate Rd Antioch, TN 37013

Price $260,000
Beds 4
Baths 3
Living Area SqFt 2,212
Status Active
MLS # 1930820
Property Type Residential
 

2346 Dennywood Dr Nashville, TN 37214

Price $260,000
Beds 3
Baths 1
Living Area SqFt 1,411
Status Active Under Contract
MLS # 1935466
Property Type Residential
 

433 Cedarcliff Rd Antioch, TN 37013

Price $260,000
Beds 4
Baths 2
Living Area SqFt 2,662
Status Active
MLS # 1938422
Property Type Residential
 

312 Bristol Mountain Ct Antioch, TN 37013

Price $260,000
Beds 3
Baths 3
Living Area SqFt 2,359
Status Active Under Contract
MLS # 1940486
Property Type Residential
 

946 Strouse Ave Nashville, TN 37206

Price $260,000
Beds 4
Baths 2
Living Area SqFt 1,856
Status Active
MLS # 1945609
Property Type Residential
 

2419 Springview Dr Nashville, TN 37214

Price $260,000
Beds 4
Baths 2
Living Area SqFt 2,118
Status Active Under Contract
MLS # 1945864
Property Type Residential
 

911 Apple Valley Rd Madison, TN 37115

Price $259,999
Beds 3
Baths 2
Living Area SqFt 1,995
Status Active
MLS # 1940053
Property Type Residential
 

5025 Hillsboro Pike Apt 8b Nashville, TN 37215

Price $259,900
Beds 3
Baths 2
Living Area SqFt 1,430
Status Active
MLS # 1915700
Property Type Condo
 

404 Mercomatic Dr Apt 102 Nashville, TN 37209

Price $259,900
Beds 2
Baths 3
Living Area SqFt 1,447
Status Active Under Contract
MLS # 1935297
Property Type Condo
 

3000 Hillsboro Pike Apt 132 Nashville, TN 37215

Price $259,900
Beds 2
Baths 2
Living Area SqFt 1,080
Status Active Under Contract
MLS # 1937119
Property Type Condo
 

805 Hobbit Lane Nashville, TN 37211

Price $259,900
Beds 2
Baths 3
Living Area SqFt 1,600
Status Active Under Contract
MLS # 1939950
Property Type Condo
 

8820 Dolcetto Grv Brentwood, TN 37027

$259,900 - 3Br/3Ba -  for Sale in Villas At Concord Place, Brentwood
Open House
Price $259,900
Beds 3
Baths 3
Living Area SqFt 1,595
Status Active
MLS # 1940491
Property Type Condo
 

7508 Lords Chapel Dr Nashville, TN 37211

Price $259,900
Beds 2
Baths 3
Living Area SqFt 1,610
Status Active
MLS # 1942006
Property Type Condo
 

1101 18th Ave S Apt 612 Nashville, TN 37212

Price $259,900
Beds 1
Baths 1
Living Area SqFt 762
Status Active
MLS # 1944362
Property Type Condo
 

3525 W End Ave Apt 1d Nashville, TN 37205

Price $259,900
Beds 1
Baths 1
Living Area SqFt 745
Status Active
MLS # 1944899
Property Type Condo
 

8300 Rossi Rd Brentwood, TN 37027

$259,900 - 3Br/3Ba -  for Sale in Villas At Concord Place, Brentwood
Open House
Price $259,900
Beds 3
Baths 3
Living Area SqFt 1,724
Status Active
MLS # 1945177
Property Type Condo
 

3227 West End Cir Nashville, TN 37203

Price $259,900
Beds 2
Baths 1
Living Area SqFt 972
Status Active
MLS # 1947484
Property Type Condo
 

7403 Lords Chapel Dr Nashville, TN 37211

Price $259,900
Beds 2
Baths 3
Living Area SqFt 1,530
Status Active
MLS # 1948399
Property Type Condo
 

142 Hillsboro Pl Nashville, TN 37215

Price $259,900
Beds 2
Baths 2
Living Area SqFt 1,257
Status Active
MLS # 1949211
Property Type Condo
 

5817 River Rd Nashville, TN 37209

Price $259,900
Beds 2
Baths 1
Living Area SqFt 1,050
Status Active
MLS # 1834310
Property Type Residential
 

703 29th Ave N Nashville, TN 37209

Price $259,900
Beds 2
Baths 1
Living Area SqFt 800
Status Active
MLS # 1904610
Property Type Residential
 

2822 Dunmore Dr Nashville, TN 37214

Price $259,900
Beds 4
Baths 4
Living Area SqFt 4,170
Status Active
MLS # 1922065
Property Type Residential
 

4814 Abbay Dr Nashville, TN 37211

Price $259,900
Beds 3
Baths 2
Living Area SqFt 1,003
Status Active Under Contract
MLS # 1924552
Property Type Residential
 

1317 Paulson Way Antioch, TN 37013

Price $259,900
Beds 4
Baths 2
Living Area SqFt 1,872
Status Active Under Contract
MLS # 1925188
Property Type Residential
 

1124 Chester Ave Nashville, TN 37206

Price $259,900
Beds 3
Baths 1
Living Area SqFt 1,120
Status Active
MLS # 1928337
Property Type Residential
 

887 Sharpe Ave Nashville, TN 37206

Price $259,900
Beds 2
Baths 1
Living Area SqFt 672
Status Active
MLS # 1930974
Property Type Residential
 

2637 Solon Dr Nashville, TN 37206

Price $259,900
Beds 2
Baths 1
Living Area SqFt 1,050
Status Active
MLS # 1932549
Property Type Residential
 

1412 10th Ave N Nashville, TN 37208

Price $259,900
Beds 3
Baths 1
Living Area SqFt 936
Status Active
MLS # 1933270
Property Type Residential
 

2602 Mesa Dr Nashville, TN 37217

Price $259,900
Beds 3
Baths 4
Living Area SqFt 2,618
Status Active
MLS # 1934385
Property Type Residential
 

7015 Bonnafair Dr Hermitage, TN 37076

Price $259,900
Beds 5
Baths 2
Living Area SqFt 2,200
Status Active Under Contract
MLS # 1936405
Property Type Residential
 

813 Winchester Close Antioch, TN 37013

Price $259,900
Beds 3
Baths 3
Living Area SqFt 2,036
Status Active
MLS # 1938910
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"