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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3419 Cainbrook Xing Antioch, TN 37013

Price $249,900
Beds 3
Baths 3
Living Area SqFt 1,994
Status Active
MLS # 1932128
Property Type Residential
 

7225 Willow Creek Dr Nashville, TN 37221

Price $249,900
Beds 3
Baths 2
Living Area SqFt 1,896
Status Active Under Contract
MLS # 1932168
Property Type Residential
 

4404 Sandpiper Lane Antioch, TN 37013

$249,900 - 3Br/2Ba -  for Sale in Summerfield Village, Antioch
New
Price $249,900
Beds 3
Baths 2
Living Area SqFt 1,895
Status Active
MLS # 1932544
Property Type Residential
 

121 Elmhurst Ave Nashville, TN 37207

$249,900 - 2Br/1Ba -  for Sale in East View, Nashville
New
Price $249,900
Beds 2
Baths 1
Living Area SqFt 832
Status Active
MLS # 1932638
Property Type Residential
 

2916 Walnut Crest Dr Antioch, TN 37013

$249,900 - 3Br/2Ba -  for Sale in Forest View Park, Antioch
New
Price $249,900
Beds 3
Baths 2
Living Area SqFt 2,314
Status Active
MLS # 1933020
Property Type Residential
 

3785 Seasons Drive Antioch, TN 37013

Price $249,500
Beds 4
Baths 3
Living Area SqFt 2,426
Status Active Under Contract
MLS # 1926194
Property Type Residential
 

4325 Ashland City Hwy #10 Nashville, TN 37218

Price $249,000
Beds 3
Baths 3
Living Area SqFt 1,712
Status Active Under Contract
MLS # 1875809
Property Type Condo
 

1417 Meridian Nashville, TN 37207

Price $249,000
Beds 4
Baths 1
Living Area SqFt 1,423
Status Active
MLS # 1901788
Property Type Residential
 

1636 Evelyn Ave Nashville, TN 37216

Price $249,000
Beds 3
Baths 2
Living Area SqFt 1,215
Status Active Under Contract
MLS # 1919967
Property Type Residential
 

5120 Preserve Blvd Antioch, TN 37013

Price $249,000
Beds 3
Baths 3
Living Area SqFt 2,055
Status Active
MLS # 1922543
Property Type Residential
 

4104 Longfellow Dr Nashville, TN 37214

$249,000 - 3Br/3Ba -  for Sale in Abbington Park, Nashville
New
Price $249,000
Beds 3
Baths 3
Living Area SqFt 1,440
Status Active
MLS # 1933229
Property Type Residential
 

1992 Rolling Meadow Ln Chapel Hill, TN 37034

Price $248,900
Beds 3
Baths 2
Living Area SqFt 1,827
Status Active
MLS # 1921017
Property Type Residential
 

509 Des Moines Dr Hermitage, TN 37076

$248,500 - 3Br/2Ba -  for Sale in Tulip Grove, Hermitage
Open House
New
Price $248,500
Beds 3
Baths 2
Living Area SqFt 1,275
Status Active
MLS # 1932589
Property Type Residential
 

1500 Mount Mitchell Ct Antioch, TN 37013

Price $248,000
Beds 4
Baths 3
Living Area SqFt 1,887
Status Active Under Contract
MLS # 1926948
Property Type Residential
 

8206 Rossi Rd Brentwood, TN 37027

Price $247,900
Beds 3
Baths 3
Living Area SqFt 1,724
Status Active Under Contract
MLS # 1926569
Property Type Condo
 

700 Church St Apt 406 Nashville, TN 37203

$247,900 - 1Br/1Ba -  for Sale in Bennie Dillon, Nashville
New
Price $247,900
Beds 1
Baths 1
Living Area SqFt 600
Status Active
MLS # 1932562
Property Type Condo
 

4487 Post Pl #84 Nashville, TN 37205

Price $247,500
Beds 1
Baths 1
Living Area SqFt 1,002
Status Active
MLS # 1919141
Property Type Condo
 

3122 Long Blvd Apt 304 Nashville, TN 37203

Price $247,500
Beds 1
Baths 1
Living Area SqFt 651
Status Active Under Contract
MLS # 1923477
Property Type Condo
 

8811 Dolcetto Grv Brentwood, TN 37027

Price $247,500
Beds 3
Baths 3
Living Area SqFt 1,690
Status Active Under Contract
MLS # 1927464
Property Type Condo
 

609 Pekoe Cir Antioch, TN 37013

Price $247,000
Beds 3
Baths 3
Living Area SqFt 1,822
Status Active Under Contract
MLS # 1915190
Property Type Residential
 

122 Plan 1680 Lot 122 Nashville, TN 37207

Price $246,990
Beds 4
Baths 3
Living Area SqFt 1,680
Status Active
MLS # 1927361
Property Type Residential
 

1990 Rolling Meadow Ln Chapel Hill, TN 37034

Price $245,900
Beds 3
Baths 2
Living Area SqFt 1,805
Status Active
MLS # 1929941
Property Type Residential
 

2310 Elliott Ave Apt 803 Nashville, TN 37204

Price $245,000
Beds 1
Baths 1
Living Area SqFt 864
Status Active Under Contract
MLS # 1912795
Property Type Condo
 

2310 Elliott Ave Nashville, TN 37204

Price $245,000
Beds 1
Baths 1
Living Area SqFt 864
Status Active Under Contract
MLS # 1921137
Property Type Condo
 

4487 Post Place Unit 110, Nashville

Price $245,000
Beds 1
Baths 1
Living Area SqFt 1,002
Status Active Under Contract
MLS # 1923590
Property Type Condo
 

2821 Galesburg Dr Nashville, TN 37217

Price $245,000
Beds 3
Baths 2
Living Area SqFt 1,987
Status Active
MLS # 1909243
Property Type Residential
 

609 Sweetwater Cir Old Hickory, TN 37138

Price $245,000
Beds 3
Baths 3
Living Area SqFt 1,703
Status Active Under Contract
MLS # 1910269
Property Type Residential
 

805 Broadmoor Dr Nashville, TN 37216

Price $245,000
Beds 2
Baths 1
Living Area SqFt 1,223
Status Active Under Contract
MLS # 1921647
Property Type Residential
 

214 Berry St Nashville, TN 37207

Price $245,000
Beds 3
Baths 2
Living Area SqFt 1,311
Status Active Under Contract
MLS # 1926083
Property Type Residential
 

9212 Thomason Trl Antioch, TN 37013

Price $245,000
Beds 3
Baths 2
Living Area SqFt 1,664
Status Active Under Contract
MLS # 1926420
Property Type Residential
 

781 Dover Glen Antioch, TN 37013

Price $245,000
Beds 3
Baths 2
Living Area SqFt 1,780
Status Active
MLS # 1928576
Property Type Residential
 

626 James Ave Nashville, TN 37209

Price $245,000
Beds 2
Baths 1
Living Area SqFt 704
Status Active
MLS # 1929680
Property Type Residential
 

428 Bowling Ave Nashville, TN 37205

Price $244,900
Beds 2
Baths 1
Living Area SqFt 919
Status Active
MLS # 1923736
Property Type Condo
 

1460 Autumn Knl Hermitage, TN 37076

Price $244,900
Beds 4
Baths 2
Living Area SqFt 2,820
Status Active Under Contract
MLS # 1913654
Property Type Residential
 

1100 Dew St Nashville, TN 37206

Price $244,900
Beds 2
Baths 1
Living Area SqFt 792
Status Active
MLS # 1920261
Property Type Residential
 

3139 Larkspur Dr Nashville, TN 37207

Price $244,900
Beds 3
Baths 2
Living Area SqFt 1,940
Status Active
MLS # 1920805
Property Type Residential
 

122 Rayon Dr Old Hickory, TN 37138

Price $244,900
Beds 4
Baths 2
Living Area SqFt 1,668
Status Active Under Contract
MLS # 1926335
Property Type Residential
 

404 Lawrence St Old Hickory, TN 37138

Price $244,900
Beds 3
Baths 2
Living Area SqFt 1,200
Status Active
MLS # 1926792
Property Type Residential
 

7122 Lama Terra Dr Goodlettsville, TN 37072

$244,900 - 3Br/2Ba -  for Sale in Lama Terra, Goodlettsville
New
Price $244,900
Beds 3
Baths 2
Living Area SqFt 1,580
Status Active
MLS # 1933173
Property Type Residential
 

1142 Ardee Ave Nashville, TN 37216

$244,900 - 2Br/1Ba -  for Sale in Sunnymeade, Nashville
New
Price $244,900
Beds 2
Baths 1
Living Area SqFt 1,126
Status Active
MLS # 1933253
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"