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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1508 Meridian St Nashville, TN 37207

Price $129,900
Beds 2
Baths 1
Living Area SqFt 1,184
Status Active Under Contract
MLS # 1715086
Property Type Residential
 

2904 Clifton Avenue Nashville, TN 37209

Price $129,900
Beds 2
Baths 1
Living Area SqFt 1,222
Status Active
MLS # 1832415
Property Type Residential
 

211 Capital St Old Hickory, TN 37138

Price $129,900
Beds 3
Baths 1
Living Area SqFt 1,436
Status Active
MLS # 1844777
Property Type Residential
 

925 Strand Fleet Dr Antioch, TN 37013

Price $129,900
Beds 2
Baths 3
Living Area SqFt 1,131
Status Active Under Contract
MLS # 1849648
Property Type Residential
 

1804 Hailey Ave Nashville, TN 37218

Price $129,900
Beds 2
Baths 1
Living Area SqFt 1,000
Status Active Under Contract
MLS # 1854292
Property Type Residential
 

1903 15th Ave. N, Nashville

Price $129,900
Beds 2
Baths 1
Living Area SqFt 891
Status Active Under Contract
MLS # 1855473
Property Type Residential
 

1715 23rd Avenue North Nashville, TN 37208

$129,900 - 2Br/2Ba -  for Sale in Harding, Nashville
New
Price $129,900
Beds 2
Baths 2
Living Area SqFt 1,257
Status Active
MLS # 1856704
Property Type Residential
 

1633 25th Ave Nashville, TN 37208

Price $129,399
Beds 2
Baths 1
Living Area SqFt 644
Status Active
MLS # 1849112
Property Type Residential
 

333 S Shore Dr Antioch, TN 37013

Price $129,000
Beds 3
Baths 2
Living Area SqFt 1,344
Status Active
MLS # 1819675
Property Type Residential
 

420a5 Elysian Fields Nashville, TN 37211

Price $127,500
Beds 2
Baths 2
Living Area SqFt 962
Status Active Under Contract
MLS # 1831800
Property Type Condo
 

184 Heritage Trace Dr Madison, TN 37115

$127,500 - 2Br/2Ba -  for Sale in Heritage Village Condomimi, Madison
New
Price $127,500
Beds 2
Baths 2
Living Area SqFt 1,152
Status Active
MLS # 1857048
Property Type Condo
 

5515 Country Dr Apt 25 Nashville, TN 37211

Price $125,900
Beds 2
Baths 2
Living Area SqFt 1,044
Status Active
MLS # 1848956
Property Type Condo
 

5510 Country Dr Apt 42 Nashville, TN 37211

Price $125,000
Beds 3
Baths 3
Living Area SqFt 1,480
Status Active Under Contract
MLS # 1852077
Property Type Condo
 

729 Willow Trace Dr Whites Creek, TN 37189

Price $125,000
Beds 3
Baths 2
Living Area SqFt 1,076
Status Active Under Contract
MLS # 1781114
Property Type Residential
 

852 Denson Ave Madison, TN 37115

Price $125,000
Beds 1
Baths 1
Living Area SqFt 755
Status Active
MLS # 1841572
Property Type Residential
 

51 Green St Nashville, TN 37210

Price $125,000
Beds 3
Baths 1
Living Area SqFt 1,216
Status Active
MLS # 1847073
Property Type Residential
 

5222 Dove Trl Hermitage, TN 37076

$125,000 - 2Br/2Ba -  for Sale in Hunters Point, Hermitage
Open House
New
Price $125,000
Beds 2
Baths 2
Living Area SqFt 1,438
Status Active
MLS # 1856895
Property Type Residential
 

420 Elysian Fields Rd Apt E2 Nashville, TN 37211

Price $124,900
Beds 2
Baths 2
Living Area SqFt 936
Status Active
MLS # 1833364
Property Type Condo
 

2512 Finland St Nashville, TN 37208

Price $124,900
Beds 2
Baths 1
Living Area SqFt 810
Status Active
MLS # 1837635
Property Type Residential
 

3802 Crouch Dr. Nashville, TN 37207

Price $124,900
Beds 3
Baths 2
Living Area SqFt 1,274
Status Active Under Contract
MLS # 1838944
Property Type Residential
 

661 Longhunter Ct Nashville, TN 37217

Price $124,700
Beds 3
Baths 3
Living Area SqFt 1,914
Status Active
MLS # 1854538
Property Type Condo
 

102 Beech Forge Dr Antioch, TN 37013

Price $124,500
Beds 2
Baths 2
Living Area SqFt 1,176
Status Active Under Contract
MLS # 1841450
Property Type Condo
 

1125 Nelson Dr Madison, TN 37115

Price $124,500
Beds 2
Baths 2
Living Area SqFt 1,152
Status Active
MLS # 1847676
Property Type Residential
 

1127 Nelson Dr Madison, TN 37115

Price $124,500
Beds 2
Baths 2
Living Area SqFt 1,150
Status Active
MLS # 1847678
Property Type Residential
 

2929 Selena Dr # 111 Nashville, TN 37211

Price $120,000
Beds 2
Baths 2
Living Area SqFt 1,043
Status Active
MLS # 1845624
Property Type Condo
 

3415 W End Ave # E-703 Nashville, TN 37203

Price $120,000
Beds 1
Baths 1
Living Area SqFt 348
Status Active Under Contract
MLS # 1851213
Property Type Condo
 

3870 Priest Lake Dr Nashville, TN 37217

Price $120,000
Beds 2
Baths 2
Living Area SqFt 1,289
Status Active Under Contract
MLS # 1855758
Property Type Residential
 

3205 Country Way Rd Antioch, TN 37013

Price $119,999
Beds 3
Baths 2
Living Area SqFt 1,242
Status Active
MLS # 1855768
Property Type Residential
 

510 Hickory Villa Dr. Nashville, TN 37211

Price $119,911
Beds 2
Baths 2
Living Area SqFt 1,174
Status Active Under Contract
MLS # 1841200
Property Type Condo
 

109 N Timber Dr Nashville, TN 37214

Price $119,900
Beds 2
Baths 2
Living Area SqFt 1,143
Status Active Under Contract
MLS # 1854681
Property Type Condo
 

20 Sycamore Ct Antioch, TN 37013

$119,900 - 2Br/3Ba -  for Sale in Hickory Hollow, Antioch
New
Price $119,900
Beds 2
Baths 3
Living Area SqFt 1,284
Status Active
MLS # 1857269
Property Type Condo
 

3109 Greggwood Dr Nashville, TN 37207

Price $119,900
Beds 3
Baths 2
Living Area SqFt 1,552
Status Active
MLS # 1849711
Property Type Residential
 

3839 Knight Dr Whites Creek, TN 37189

Price $119,000
Beds 3
Baths 4
Living Area SqFt 1,100
Status Active
MLS # 1853008
Property Type Residential
 

122 N Timber Dr Nashville, TN 37214

Price $117,500
Beds 2
Baths 2
Living Area SqFt 1,143
Status Active Under Contract
MLS # 1850060
Property Type Condo
 

3142 E Lake Dr Nashville, TN 37214

Price $115,900
Beds 2
Baths 2
Living Area SqFt 1,140
Status Active Under Contract
MLS # 1844591
Property Type Residential
 

135 Fain St Nashville, TN 37210

Price $115,000
Beds 2
Baths 1
Living Area SqFt 986
Status Active Under Contract
MLS # 1849884
Property Type Residential
 

3710 Colonial Heritage Dr Nashville, TN 37217

Price $114,900
Beds 3
Baths 2
Living Area SqFt 1,352
Status Active Under Contract
MLS # 1797648
Property Type Residential
 

3304 Kings Ln Nashville, TN 37218

Price $110,000
Beds 3
Baths 1
Living Area SqFt 1,040
Status Active Under Contract
MLS # 1850535
Property Type Residential
 

354 Clearwater Drive Nashville, TN 37217

Price $109,900
Beds 2
Baths 2
Living Area SqFt 1,040
Status Active Under Contract
MLS # 1855589
Property Type Residential
 

2929 Selena Dr # 140 Nashville, TN 37211

Price $105,000
Beds 1
Baths 1
Living Area SqFt 720
Status Active
MLS # 1807016
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"