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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4844 Shasta Dr Nashville, TN 37211

Price $195,000
Beds 3
Baths 2
Living Area SqFt 1,221
Status Active Under Contract
MLS # 1911328
Property Type Residential
 

4032 Providence Park Ln Nashville, TN 37211

Price $195,000
Beds 3
Baths 2
Living Area SqFt 1,131
Status Active Under Contract
MLS # 1926990
Property Type Residential
 

8411 Callabee Way Unit 7 Antioch, TN 37013

Price $193,000
Beds 2
Baths 2
Living Area SqFt 1,174
Status Active Under Contract
MLS # 1920898
Property Type Condo
 

510 Gay St Nashville, TN 37219

Price $191,000
Beds 1
Baths 1
Living Area SqFt 594
Status Active
MLS # 1922453
Property Type Condo
 

1016 Dove Creek Ct Antioch, TN 37013

Price $190,000
Beds 3
Baths 2
Living Area SqFt 1,284
Status Active Under Contract
MLS # 1924212
Property Type Residential
 

1736 Kellow St Nashville, TN 37208

Price $189,999
Beds 4
Baths 1
Living Area SqFt 1,790
Status Active
MLS # 1860518
Property Type Residential
 

121 Colemont Dr Nashville, TN 37013

Price $189,999
Beds 3
Baths 1
Living Area SqFt 1,000
Status Active
MLS # 1900482
Property Type Residential
 

8211 Lenox Creekside Dr Unit 11 Antioch, TN 37013

Price $189,900
Beds 2
Baths 2
Living Area SqFt 1,162
Status Active Under Contract
MLS # 1910797
Property Type Condo
 

7223 Althorp Way # 6 Nashville, TN 37211

Price $189,900
Beds 2
Baths 1
Living Area SqFt 1,012
Status Active
MLS # 1931692
Property Type Condo
 

733 May Dr Madison, TN 37115

Price $189,900
Beds 3
Baths 2
Living Area SqFt 1,121
Status Active Under Contract
MLS # 1907917
Property Type Residential
 

359 Tusculum Rd Nashville, TN 37211

Price $189,900
Beds 3
Baths 1
Living Area SqFt 1,250
Status Active Under Contract
MLS # 1913437
Property Type Residential
 

1529 21st Ave N N, Nashville

Price $189,900
Beds 4
Baths 2
Living Area SqFt 1,234
Status Active Under Contract
MLS # 1922691
Property Type Residential
 

640 Carmel Ave Madison, TN 37115

Price $189,900
Beds 2
Baths 1
Living Area SqFt 800
Status Active
MLS # 1926520
Property Type Residential
 

1852 Joy Circle Nashville, TN 37207

Price $189,500
Beds 2
Baths 1
Living Area SqFt 1,368
Status Active
MLS # 1927899
Property Type Residential
 

2120 Lebanon Pike #32 Nashville, TN 37210

Price $189,000
Beds 3
Baths 3
Living Area SqFt 1,452
Status Active Under Contract
MLS # 1917089
Property Type Condo
 

108 Antler Ridge Cir Nashville, TN 37214

$189,000 - 2Br/3Ba -  for Sale in Woodland Point Townhomes, Nashville
Open House
New
Price $189,000
Beds 2
Baths 3
Living Area SqFt 1,464
Status Active
MLS # 1929112
Property Type Condo
 

8501 Burnham Ln Unit 2 Antioch, TN 37013

Price $189,000
Beds 2
Baths 2
Living Area SqFt 1,162
Status Active
MLS # 1931144
Property Type Condo
 

304 Peachtree St Nashville, TN 37210

Price $189,000
Beds 3
Baths 1
Living Area SqFt 1,714
Status Active
MLS # 1902641
Property Type Residential
 

664 James Ave Nashville, TN 37209

Price $189,000
Beds 3
Baths 1
Living Area SqFt 912
Status Active
MLS # 1922756
Property Type Residential
 

3257 Priest Woods Dr Nashville, TN 37214

Price $189,000
Beds 3
Baths 3
Living Area SqFt 1,608
Status Active Under Contract
MLS # 1924171
Property Type Residential
 

8231 Lenox Creekside Dr Unit C1 Antioch, TN 37013

Price $187,900
Beds 2
Baths 2
Living Area SqFt 1,162
Status Active Under Contract
MLS # 1920247
Property Type Condo
 

2201 Morena St Nashville, TN 37208

Price $187,500
Beds 3
Baths 2
Living Area SqFt 1,480
Status Active
MLS # 1874326
Property Type Residential
 

5170 Hickory Hollow Pkwy Unit 2 Antioch, TN 37013

Price $186,500
Beds 2
Baths 3
Living Area SqFt 2,004
Status Active
MLS # 1910202
Property Type Condo
 

510 Gay Street Nashville, TN 37219

Price $185,000
Beds 1
Baths 1
Living Area SqFt 594
Status Active
MLS # 1905884
Property Type Condo
 

2464 Nashboro Blvd Nashville, TN 37217

Price $185,000
Beds 3
Baths 2
Living Area SqFt 1,692
Status Active Under Contract
MLS # 1921489
Property Type Condo
 

8207 Sawyer Brown Rd Apt A4 Nashville, TN 37221

Price $185,000
Beds 3
Baths 3
Living Area SqFt 1,716
Status Active Under Contract
MLS # 1923812
Property Type Condo
 

232 Pepper Ridge Cir Antioch, TN 37013

Price $185,000
Beds 3
Baths 2
Living Area SqFt 1,892
Status Active Under Contract
MLS # 1924202
Property Type Condo
 

476 Flintlock Ct Nashville, TN 37217

Price $185,000
Beds 2
Baths 3
Living Area SqFt 1,234
Status Active Under Contract
MLS # 1926358
Property Type Condo
 

1624 Rice Hill Ct Antioch, TN 37013

Price $185,000
Beds 3
Baths 2
Living Area SqFt 1,310
Status Active Under Contract
MLS # 1911268
Property Type Residential
 

2036 Pinecrest Dr Nashville, TN 37211

Price $185,000
Beds 2
Baths 3
Living Area SqFt 1,188
Status Active
MLS # 1911692
Property Type Residential
 

3425 Towne Village Rd Antioch, TN 37013

Price $185,000
Beds 3
Baths 2
Living Area SqFt 1,222
Status Active Under Contract
MLS # 1915008
Property Type Residential
 

2918 Dunmore Dr Nashville, TN 37214

Price $185,000
Beds 2
Baths 2
Living Area SqFt 1,241
Status Active
MLS # 1916859
Property Type Residential
 

1623 Lincoya Bay Dr Nashville, TN 37214

Price $184,900
Beds 2
Baths 3
Living Area SqFt 1,129
Status Active Under Contract
MLS # 1926098
Property Type Condo
 

2524 Whites Creek Pike Nashville, TN 37207

Price $184,900
Beds 2
Baths 1
Living Area SqFt 1,128
Status Active
MLS # 1911958
Property Type Residential
 

3305 Doverside Dr Nashville, TN 37207

Price $184,900
Beds 3
Baths 2
Living Area SqFt 1,533
Status Active Under Contract
MLS # 1919678
Property Type Residential
 

205 Mcarthur Dr Madison, TN 37115

Price $184,900
Beds 3
Baths 2
Living Area SqFt 1,154
Status Active Under Contract
MLS # 1927261
Property Type Residential
 

1518 Marwood Ln Nashville, TN 37210

Price $184,500
Beds 2
Baths 1
Living Area SqFt 1,128
Status Active
MLS # 1911689
Property Type Residential
 

8441 Callabee Way Unit H-11 Antioch, TN 37013

Price $184,000
Beds 2
Baths 2
Living Area SqFt 1,162
Status Active Under Contract
MLS # 1916429
Property Type Condo
 

3328 Hope Hill Ct Nashville, TN 37211

Price $184,000
Beds 3
Baths 2
Living Area SqFt 1,070
Status Active Under Contract
MLS # 1921830
Property Type Residential
 

406 Flintlock Ct Nashville, TN 37217

Price $183,500
Beds 2
Baths 3
Living Area SqFt 1,216
Status Active Under Contract
MLS # 1931482
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"