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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804 Lake Terrace Dr Nashville, TN 37217

Price $150,000
Beds 2
Baths 2
Living Area SqFt 1,211
Status Active Under Contract
MLS # 1865169
Property Type Residential
 

2510 Delk Ave Nashville, TN 37208

Price $150,000
Beds 3
Baths 1
Living Area SqFt 875
Status Active
MLS # 1874765
Property Type Residential
 

2714 O Neal Dr Nashville, TN 37208

Price $150,000
Beds 2
Baths 1
Living Area SqFt 1,072
Status Active
MLS # 1892481
Property Type Residential
 

3338 Oak Trees Ct Antioch, TN 37013

Price $150,000
Beds 2
Baths 2
Living Area SqFt 1,435
Status Active Under Contract
MLS # 1892786
Property Type Residential
 

159 Tusculum Rd Antioch, TN 37013

Price $150,000
Beds 2
Baths 1
Living Area SqFt 1,024
Status Active Under Contract
MLS # 1896439
Property Type Residential
 

368 Oakview Dr Nashville, TN 37207

Price $150,000
Beds 2
Baths 2
Living Area SqFt 1,570
Status Active Under Contract
MLS # 1897064
Property Type Residential
 

1702 Simpkins St Nashville, TN 37208

Price $150,000
Beds 3
Baths 1
Living Area SqFt 916
Status Active Under Contract
MLS # 1898152
Property Type Residential
 

1704 Simpkins St Nashville, TN 37208

Price $150,000
Beds 3
Baths 1
Living Area SqFt 912
Status Active Under Contract
MLS # 1898166
Property Type Residential
 

3926 Crouch Dr Nashville, TN 37207

Price $150,000
Beds 3
Baths 1
Living Area SqFt 1,125
Status Active
MLS # 1898329
Property Type Residential
 

944 31st Ave North Nashville, TN 37209

$149,999 - 2Br/2Ba -  for Sale in George Waddey, Nashville
New
Price $149,999
Beds 2
Baths 2
Living Area SqFt 1,214
Status Active
MLS # 1903037
Property Type Residential
 

1703 Seminary St Nashville, TN 37207

Price $149,900
Beds 2
Baths 1
Living Area SqFt 900
Status Active
MLS # 1839418
Property Type Residential
 

4814 Apollo Drive Antioch, TN 37013

Price $149,900
Beds 3
Baths 2
Living Area SqFt 1,406
Status Active
MLS # 1874957
Property Type Residential
 

919 Rachels Pl Hermitage, TN 37076

Price $149,900
Beds 2
Baths 2
Living Area SqFt 1,349
Status Active Under Contract
MLS # 1896648
Property Type Residential
 

3305 Torbett St Nashville, TN 37209

$149,900 - 4Br/2Ba -  for Sale in Torbett, Nashville
New
Price $149,900
Beds 4
Baths 2
Living Area SqFt 1,199
Status Active
MLS # 1902605
Property Type Residential
 

2837 Lower Walkers Creek Rd Goodlettsville, TN 37072

Price $149,900
Beds 1
Baths 1
Living Area SqFt 620
Status Active
MLS # 1902818
Property Type Residential
 

3403 Tisdall Dr Whites Creek, TN 37189

Price $149,000
Beds 3
Baths 2
Living Area SqFt 1,274
Status Active Under Contract
MLS # 1901428
Property Type Condo
 

4344 Old Hickory Blvd Old Hickory, TN 37138

Price $149,000
Beds 2
Baths 1
Living Area SqFt 911
Status Active
MLS # 1887172
Property Type Residential
 

1724 23rd Ave N Nashville, TN 37208

Price $149,000
Beds 3
Baths 1
Living Area SqFt 1,008
Status Active Under Contract
MLS # 1899816
Property Type Residential
 

2905 Clifton Ave Nashville, TN 37209

Price $148,900
Beds 3
Baths 1
Living Area SqFt 1,076
Status Active
MLS # 1893821
Property Type Residential
 

1939 Lombardia Ln Madison, TN 37115

Price $147,900
Beds 2
Baths 3
Living Area SqFt 1,176
Status Active Under Contract
MLS # 1878439
Property Type Condo
 

1945 Lombardia Ln Madison, TN 37115

Price $147,900
Beds 2
Baths 3
Living Area SqFt 1,176
Status Active
MLS # 1894998
Property Type Condo
 

737 Troy Dr Nashville, TN 37207

Price $147,000
Beds 3
Baths 2
Living Area SqFt 1,590
Status Active Under Contract
MLS # 1886233
Property Type Residential
 

5510 Country Dr Apt 127 Nashville, TN 37211

Price $145,000
Beds 3
Baths 4
Living Area SqFt 2,160
Status Active Under Contract
MLS # 1888502
Property Type Condo
 

5170 Hickory Hollow Pkwy Unit 1 Antioch, TN 37013

Price $145,000
Beds 2
Baths 3
Living Area SqFt 1,240
Status Active Under Contract
MLS # 1895688
Property Type Condo
 

719 Elissa Dr Nashville, TN 37217

Price $145,000
Beds 3
Baths 1
Living Area SqFt 950
Status Active
MLS # 1874167
Property Type Residential
 

515 Basswood Ave # 156 Nashville, TN 37209

Price $144,900
Beds 1
Baths 1
Living Area SqFt 703
Status Active
MLS # 1891316
Property Type Condo
 

633 Hickory Glade Ct Antioch, TN 37013

Price $142,500
Beds 2
Baths 1
Living Area SqFt 950
Status Active Under Contract
MLS # 1891693
Property Type Condo
 

125 Mcmurray Cir Nashville, TN 37211

Price $142,500
Beds 2
Baths 2
Living Area SqFt 1,106
Status Active Under Contract
MLS # 1893838
Property Type Condo
 

327 Dinwiddie Dr Madison, TN 37115

Price $142,000
Beds 2
Baths 1
Living Area SqFt 850
Status Active
MLS # 1902853
Property Type Residential
 

622 Hickory Glade Ct Antioch, TN 37013

Price $141,000
Beds 2
Baths 1
Living Area SqFt 950
Status Active Under Contract
MLS # 1899747
Property Type Condo
 

4966 Barella Dr Antioch, TN 37013

Price $140,000
Beds 3
Baths 1
Living Area SqFt 1,000
Status Active Under Contract
MLS # 1895633
Property Type Residential
 

108 Claiborne St Nashville, TN 37210

Price $140,000
Beds 3
Baths 2
Living Area SqFt 1,174
Status Active Under Contract
MLS # 1901795
Property Type Residential
 

1402 Bryan St Old Hickory, TN 37138

Price $139,931
Beds 3
Baths 1
Living Area SqFt 864
Status Active Under Contract
MLS # 1888932
Property Type Residential
 

214 Old Hickory Blvd Apt 138 Nashville, TN 37221

Price $139,900
Beds 1
Baths 1
Living Area SqFt 730
Status Active Under Contract
MLS # 1885582
Property Type Condo
 

65 Cannon Street Nashville, TN 37210

Price $139,900
Beds 3
Baths 1
Living Area SqFt 933
Status Active
MLS # 1902414
Property Type Residential
 

3151 Justin Towne Ct Antioch, TN 37013

Price $139,900
Beds 2
Baths 2
Living Area SqFt 1,166
Status Active Under Contract
MLS # 1902929
Property Type Residential
 

2712 Bullock Ave Nashville, TN 37207

$139,900 - 3Br/2Ba -  for Sale in Meadow Valley Estates, Nashville
New
Price $139,900
Beds 3
Baths 2
Living Area SqFt 1,400
Status Active
MLS # 1902956
Property Type Residential
 

6680 Charlotte Pike Apt F4 Nashville, TN 37209

Price $139,000
Beds 2
Baths 1
Living Area SqFt 963
Status Active Under Contract
MLS # 1879079
Property Type Condo
 

1512 Denise Court Antioch, TN 37013

Price $135,000
Beds 3
Baths 1
Living Area SqFt 1,025
Status Active Under Contract
MLS # 1872613
Property Type Residential
 

1492 Dolan Rd Nashville, TN 37218

Price $135,000
Beds 3
Baths 1
Living Area SqFt 1,103
Status Active
MLS # 1902339
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"