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.

Search All Nashville Listings

* Separate multiple values with comma.

Sort by:

628 Maple Top Dr Antioch, TN 37013

Price $165,000
Beds 2
Baths 2
Living Area SqFt 1,050
Status Active Under Contract
MLS # 1912690
Property Type Residential
 

503 Agee Rd Goodlettsville, TN 37072

Price $165,000
Beds 2
Baths 1
Living Area SqFt 952
Status Active
MLS # 1916659
Property Type Residential
 

1722 Simpkins St Nashville, TN 37208

Price $165,000
Beds 3
Baths 2
Living Area SqFt 1,194
Status Active Under Contract
MLS # 1919073
Property Type Residential
 

5170 Hickory Hollow Parkway 508 Antioch, TN 37013

Price $164,900
Beds 2
Baths 3
Living Area SqFt 1,240
Status Active Under Contract
MLS # 1907558
Property Type Condo
 

1900 Richard Jones Rd Apt C101 Nashville, TN 37215

$164,900 - 1Br/1Ba -  for Sale in Green Hills Terrace, Nashville
Open House
Price $164,900
Beds 1
Baths 1
Living Area SqFt 625
Status Active
MLS # 1920359
Property Type Condo
 

2600 Pennington Ave Nashville, TN 37216

Price $164,900
Beds 4
Baths 2
Living Area SqFt 1,248
Status Active Under Contract
MLS # 1903826
Property Type Residential
 

1321 Kermit Dr Nashville, TN 37217

Price $164,900
Beds 2
Baths 1
Living Area SqFt 750
Status Active Under Contract
MLS # 1906337
Property Type Residential
 

2713 Bullock Ave Nashville, TN 37207

Price $164,900
Beds 2
Baths 1
Living Area SqFt 727
Status Active
MLS # 1916879
Property Type Residential
 

109 Randy Rd Madison, TN 37115

Price $164,500
Beds 2
Baths 1
Living Area SqFt 816
Status Active Under Contract
MLS # 1909963
Property Type Residential
 

3104 Milliken Dr Joelton, TN 37080

Price $162,000
Beds 3
Baths 1
Living Area SqFt 1,250
Status Active Under Contract
MLS # 1875437
Property Type Residential
 

3535 Bell Rd Apt 402 Nashville, TN 37214

$160,999 - 2Br/2Ba -  for Sale in Williams Bend Townhomes, Nashville
New
Price $160,999
Beds 2
Baths 2
Living Area SqFt 1,116
Status Active
MLS # 1922494
Property Type Condo
 

4001 Anderson Rd Unit N33 Nashville, TN 37217

Price $160,000
Beds 2
Baths 2
Living Area SqFt 1,560
Status Active Under Contract
MLS # 1897357
Property Type Condo
 

3600 Hillsboro Pike Apt H1 Nashville, TN 37215

Price $160,000
Beds 1
Baths 1
Living Area SqFt 600
Status Active Under Contract
MLS # 1917124
Property Type Condo
 

3853 Augusta Dr Nashville, TN 37207

Price $160,000
Beds 4
Baths 2
Living Area SqFt 1,779
Status Active Under Contract
MLS # 1896238
Property Type Residential
 

1313 Hickory Park Ct W Antioch, TN 37013

Price $160,000
Beds 2
Baths 2
Living Area SqFt 1,464
Status Active Under Contract
MLS # 1911863
Property Type Residential
 

1812 Dahlia Dr Nashville, TN 37210

Price $160,000
Beds 2
Baths 1
Living Area SqFt 792
Status Active Under Contract
MLS # 1912496
Property Type Residential
 

2413 Robbie Ct Nashville, TN 37214

Price $160,000
Beds 2
Baths 2
Living Area SqFt 1,020
Status Active Under Contract
MLS # 1913058
Property Type Residential
 

3256 Rainwood Dr Nashville, TN 37207

$160,000 - 3Br/2Ba -  for Sale in Timberwood, Nashville
New
Price $160,000
Beds 3
Baths 2
Living Area SqFt 1,074
Status Active
MLS # 1922406
Property Type Residential
 

90 Lutie Nashville, TN 37210

$160,000 - 2Br/1Ba -  for Sale in Sterling Heights, Nashville
New
Price $160,000
Beds 2
Baths 1
Living Area SqFt 816
Status Active
MLS # 1922416
Property Type Residential
 

5170 Hickory Hollow Pkwy Unit 9 Antioch, TN 37013

Price $159,900
Beds 2
Baths 3
Living Area SqFt 1,152
Status Active
MLS # 1921406
Property Type Condo
 

2717 Pine Ridge Dr Nashville, TN 37207

Price $159,900
Beds 3
Baths 2
Living Area SqFt 1,154
Status Active Under Contract
MLS # 1901045
Property Type Residential
 

1382 Rural Hill Rd Unit 151 Antioch, TN 37013

Price $159,900
Beds 2
Baths 3
Living Area SqFt 1,248
Status Active Under Contract
MLS # 1907635
Property Type Residential
 

1006 Highland Cir Madison, TN 37115

Price $159,900
Beds 3
Baths 1
Living Area SqFt 1,100
Status Active Under Contract
MLS # 1907970
Property Type Residential
 

3543 Gondola Dr Antioch, TN 37013

Price $159,900
Beds 2
Baths 3
Living Area SqFt 1,188
Status Active Under Contract
MLS # 1911918
Property Type Residential
 

708 28th Ave N Nashville, TN 37208

Price $159,900
Beds 3
Baths 1
Living Area SqFt 820
Status Active
MLS # 1914171
Property Type Residential
 

4341 Hopewood Dr Nashville, TN 37011

Price $159,900
Beds 3
Baths 2
Living Area SqFt 960
Status Active
MLS # 1919134
Property Type Residential
 

21 Vaughns Gap Rd Apt 79 Nashville, TN 37205

$159,000 - 2Br/1Ba -  for Sale in Belle Meade Highlands, Nashville
New
Price $159,000
Beds 2
Baths 1
Living Area SqFt 960
Status Active Under Contract
MLS # 1921544
Property Type Condo
 

6680 Charlotte Pike #j5 Nashville, TN 37209

$159,000 - 2Br/1Ba -  for Sale in Avenue Nashville West, Nashville
New
Price $159,000
Beds 2
Baths 1
Living Area SqFt 963
Status Active
MLS # 1922032
Property Type Condo
 

3380 Oak Trees Ct Antioch, TN 37013

Price $159,000
Beds 2
Baths 3
Living Area SqFt 1,166
Status Active
MLS # 1908354
Property Type Residential
 

810 Bellevue Rd Apt 292 Nashville, TN 37221

Price $156,900
Beds 2
Baths 2
Living Area SqFt 1,058
Status Active Under Contract
MLS # 1919777
Property Type Condo
 

5510 Country Dr Apt 125 Nashville, TN 37211

Price $155,000
Beds 3
Baths 4
Living Area SqFt 2,142
Status Active
MLS # 1913180
Property Type Condo
 

7009 Lenox Village Drive E-209 Nashville, TN 37211

Price $155,000
Beds 1
Baths 1
Living Area SqFt 687
Status Active
MLS # 1918226
Property Type Condo
 

214 Old Hickory Blvd Apt 93 Nashville, TN 37221

Price $155,000
Beds 1
Baths 1
Living Area SqFt 730
Status Active
MLS # 1919263
Property Type Condo
 

1025 31st Ave N Nashville, TN 37209

Price $155,000
Living Area SqFt 1,828
Status Active Under Contract
MLS # 1892020
Property Type Residential
 
 
 

310 Aurora Ave. Madison, TN 37115

Price $155,000
Beds 2
Baths 1
Living Area SqFt 800
Status Active Under Contract
MLS # 1906647
Property Type Residential
 

515 Basswood Ave #j 92 Nashville, TN 37209

Price $154,900
Beds 2
Baths 1
Living Area SqFt 968
Status Active
MLS # 1900550
Property Type Condo
 

242 Jenna Lee Cir Madison, TN 37115

Price $154,900
Beds 2
Baths 3
Living Area SqFt 1,202
Status Active Under Contract
MLS # 1918779
Property Type Condo
 

5170 Hickory Hollow Pkwy. #261, Antioch

Price $154,500
Beds 3
Baths 3
Living Area SqFt 1,240
Status Active Under Contract
MLS # 1910643
Property Type Condo
 

810 Bellevue Rd Apt 145 Nashville, TN 37221

Price $150,500
Beds 2
Baths 2
Living Area SqFt 1,058
Status Active Under Contract
MLS # 1916525
Property Type Condo
 

21 Vaughns Gap Rd #62 Nashville, TN 37205

Price $150,000
Beds 2
Baths 1
Living Area SqFt 960
Status Active Under Contract
MLS # 1920555
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"