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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3006 Thornbury Pl Old Hickory, TN 37138

Price $227,400
Beds 2
Baths 3
Living Area SqFt 1,374
Status Active
MLS # 1942617
Property Type Condo
 

3008 Thornbury Pl Old Hickory, TN 37138

Price $227,200
Beds 2
Baths 3
Living Area SqFt 1,374
Status Active
MLS # 1942614
Property Type Condo
 

3004 Thornbury Pl Old Hickory, TN 37138

Price $227,200
Beds 2
Baths 3
Living Area SqFt 1,374
Status Active
MLS # 1942618
Property Type Condo
 

3002 Thornbury Pl Old Hickory, TN 37138

Price $227,200
Beds 2
Baths 3
Living Area SqFt 1,374
Status Active
MLS # 1942619
Property Type Condo
 

5574 Hamilton Circle Antioch, TN 37013

Price $225,500
Beds 3
Baths 3
Living Area SqFt 1,678
Status Active
MLS # 1940456
Property Type Condo
 

5578 Hamilton Circle Antioch, TN 37013

Price $225,500
Beds 3
Baths 3
Living Area SqFt 1,678
Status Active Under Contract
MLS # 1941982
Property Type Condo
 

926 B N 6th St Nashville, TN 37207

Price $225,000
Beds 2
Baths 2
Living Area SqFt 1,056
Status Active Under Contract
MLS # 1933274
Property Type Condo
 

1322 Riverbrook Dr Hermitage, TN 37076

Price $225,000
Beds 2
Baths 3
Living Area SqFt 1,216
Status Active Under Contract
MLS # 1938001
Property Type Condo
 

2116 Hobbs Rd Apt G6 Nashville, TN 37215

Price $225,000
Beds 2
Baths 2
Living Area SqFt 1,150
Status Active
MLS # 1938901
Property Type Condo
 

5778 Brentwood Trace Brentwood, TN 37027

Price $225,000
Beds 2
Baths 2
Living Area SqFt 1,116
Status Active Under Contract
MLS # 1941071
Property Type Condo
 

2116 Hobbs Rd Apt J7 Nashville, TN 37215

Price $225,000
Beds 2
Baths 2
Living Area SqFt 1,110
Status Active
MLS # 1944026
Property Type Condo
 

3911 Dodson Chapel Rd # 37 Hermitage, TN 37076

Price $225,000
Beds 3
Baths 2
Living Area SqFt 1,409
Status Active Under Contract
MLS # 1945425
Property Type Condo
 

1808 State St Apt 306 Nashville, TN 37203

$225,000 - 2Br/2Ba -  for Sale in State House, Nashville
Open House
Price $225,000
Beds 2
Baths 2
Living Area SqFt 800
Status Active
MLS # 1950984
Property Type Condo
 

1118 Litton Ave Apt 311 Nashville, TN 37216

$225,000 - 1Br/1Ba -  for Sale in Solo East, Nashville
New
Price $225,000
Beds 1
Baths 1
Living Area SqFt 742
Status Active
MLS # 1952710
Property Type Condo
 

600 Chris St Nashville, TN 37207

Price $225,000
Beds 4
Baths 2
Living Area SqFt 1,754
Status Active
MLS # 1890193
Property Type Residential
 

101 Edgebrook Rd Goodlettsville, TN 37072

Price $225,000
Beds 3
Baths 2
Living Area SqFt 1,790
Status Active
MLS # 1910488
Property Type Residential
 

931 W Old Hickory Blvd Madison, TN 37115

Price $225,000
Beds 2
Baths 1
Living Area SqFt 1,409
Status Active
MLS # 1917685
Property Type Residential
 

929 W Old Hickory Blvd Madison, TN 37115

Price $225,000
Beds 1
Baths 1
Living Area SqFt 750
Status Active
MLS # 1917929
Property Type Residential
 

1719 Heiman St Nashville, TN 37208

Price $225,000
Beds 2
Baths 1
Living Area SqFt 1,116
Status Active
MLS # 1931900
Property Type Residential
 

3543 Dickerson Pike Nashville, TN 37207

Price $225,000
Beds 2
Baths 1
Living Area SqFt 2,398
Status Active
MLS # 1932958
Property Type Residential
 

204 Mckennell Dr Nashville, TN 37206

Price $225,000
Beds 2
Baths 1
Living Area SqFt 867
Status Active
MLS # 1934853
Property Type Residential
 

700 Rocky Mountain Ct Antioch, TN 37013

Price $225,000
Beds 3
Baths 3
Living Area SqFt 1,949
Status Active
MLS # 1934877
Property Type Residential
 

1708 Litton Ave Nashville, TN 37216

Price $225,000
Beds 3
Baths 1
Living Area SqFt 1,131
Status Active
MLS # 1936403
Property Type Residential
 

1315 Otay St Nashville, TN 37216

Price $225,000
Living Area SqFt 990
Status Active
MLS # 1937219
Property Type Residential
 
 
 

2920 Steamboat Dr Nashville, TN 37214

Price $225,000
Beds 3
Baths 2
Living Area SqFt 1,288
Status Active Under Contract
MLS # 1939928
Property Type Residential
 

358b Glenrose Ave Nashville, TN 37210

Price $225,000
Beds 2
Baths 1
Living Area SqFt 888
Status Active
MLS # 1943417
Property Type Residential
 

3980 Lawing Dr Nashville, TN 37207

Price $225,000
Beds 3
Baths 2
Living Area SqFt 2,013
Status Active
MLS # 1941943
Property Type Residential
 

132 Painter Dr Antioch, TN 37013

Price $225,000
Beds 3
Baths 3
Living Area SqFt 1,716
Status Active Under Contract
MLS # 1943176
Property Type Residential
 

360 Glenrose Ave Nashville, TN 37210

Price $225,000
Beds 2
Baths 1
Living Area SqFt 1,006
Status Active
MLS # 1943405
Property Type Residential
 

114 Old Trinity Ln Nashville, TN 37207

Price $225,000
Beds 2
Baths 1
Living Area SqFt 1,100
Status Active
MLS # 1944593
Property Type Residential
 

8517 Old Charlotte Pike Pegram, TN 37143

Price $225,000
Beds 4
Baths 3
Living Area SqFt 2,224
Status Active
MLS # 1945912
Property Type Residential
 

522 Veritas St Nashville, TN 37211

Price $225,000
Beds 2
Baths 1
Living Area SqFt 1,064
Status Active
MLS # 1946492
Property Type Residential
 

5412 Louisiana Ave Nashville, TN 37209

Price $225,000
Beds 2
Baths 1
Living Area SqFt 750
Status Active Under Contract
MLS # 1947578
Property Type Residential
 

1215 Stainback Ave Nashville, TN 37207

$225,000 - 3Br/1Ba -  for Sale in Sharpe & Horns, Nashville
New
Price $225,000
Beds 3
Baths 1
Living Area SqFt 904
Status Active
MLS # 1951890
Property Type Residential
 

187 Townes Dr Nashville, TN 37211

Price $225,000
Beds 3
Baths 2
Living Area SqFt 1,332
Status Active
MLS # 1949055
Property Type Residential
 

301 Weaver Dr Nashville, TN 37217

$225,000 - 2Br/1Ba -  for Sale in Seven Oaks, Nashville
New
Price $225,000
Beds 2
Baths 1
Living Area SqFt 1,301
Status Active
MLS # 1951952
Property Type Residential
 

216 Willard Dr Nashville, TN 37211

$225,000 - 4Br/2Ba -  for Sale in Murray Heights, Nashville
New
Price $225,000
Beds 4
Baths 2
Living Area SqFt 1,750
Status Active
MLS # 1952509
Property Type Residential
 

1234 Riverbrook Dr Hermitage, TN 37076

Price $224,990
Beds 2
Baths 3
Living Area SqFt 1,216
Status Active Under Contract
MLS # 1944241
Property Type Condo
 

912 Governors Court Antioch, TN 37013

Price $224,900
Beds 2
Baths 3
Living Area SqFt 1,198
Status Active
MLS # 1948491
Property Type Condo
 

400 Herron Drive #110 Nashville, TN 37210

Price $224,900
Beds 1
Baths 1
Living Area SqFt 748
Status Active
MLS # 1947707
Property Type Condo
 

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"