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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208 Saddlestone Ct N Hermitage, TN 37076

Price $165,000
Beds 3
Baths 2
Living Area SqFt 1,065
Status Active Under Contract
MLS # 1859738
Property Type Residential
 

2025 Woodmont Blvd Apt 348 Nashville, TN 37215

Price $164,900
Beds 1
Baths 1
Living Area SqFt 570
Status Active
MLS # 1860102
Property Type Condo
 

909 Beavercreek Way Antioch, TN 37013

Price $164,900
Beds 2
Baths 3
Living Area SqFt 1,224
Status Active Under Contract
MLS # 1861339
Property Type Condo
 

916 Livingston Street Old Hickory, TN 37138

Price $164,900
Beds 3
Baths 1
Living Area SqFt 875
Status Active Under Contract
MLS # 1846220
Property Type Residential
 

3117 Penn Meade Way Nashville, TN 37214

Price $164,900
Beds 3
Baths 2
Living Area SqFt 958
Status Active
MLS # 1848578
Property Type Residential
 

104 Nelson Ct W Madison, TN 37115

Price $164,900
Beds 2
Baths 2
Living Area SqFt 1,296
Status Active Under Contract
MLS # 1858029
Property Type Residential
 

211 Wynbrook Ct Nashville, TN 37221

Price $162,500
Beds 2
Baths 3
Living Area SqFt 1,436
Status Active Under Contract
MLS # 1856832
Property Type Condo
 

7005 Panama Dr Hermitage, TN 37076

Price $159,991
Beds 3
Baths 2
Living Area SqFt 1,698
Status Active
MLS # 1792862
Property Type Residential
 

320 Welch Rd Apt O4 Nashville, TN 37211

Price $159,900
Beds 2
Baths 1
Living Area SqFt 963
Status Active
MLS # 1833909
Property Type Condo
 

319 Yorkshire Cir Nashville, TN 37211

Price $159,900
Beds 2
Baths 2
Living Area SqFt 1,177
Status Active Under Contract
MLS # 1861726
Property Type Condo
 

2601 Hillsboro Pike Apt G2 Nashville, TN 37212

Price $159,900
Beds 1
Baths 1
Living Area SqFt 600
Status Active
MLS # 1863797
Property Type Condo
 

575 Tulip Grove Rd Hermitage, TN 37076

Price $159,900
Beds 2
Baths 1
Living Area SqFt 1,392
Status Active Under Contract
MLS # 1804525
Property Type Residential
 

3218 W Hamilton Ave Nashville, TN 37218

Price $159,900
Beds 3
Baths 2
Living Area SqFt 1,886
Status Active Under Contract
MLS # 1834180
Property Type Residential
 

4661 Long Br Antioch, TN 37013

Price $159,900
Beds 3
Baths 2
Living Area SqFt 1,406
Status Active Under Contract
MLS # 1843225
Property Type Residential
 

362 Fairlane Dr Nashville, TN 37211

Price $159,900
Beds 3
Baths 1
Living Area SqFt 950
Status Active Under Contract
MLS # 1859017
Property Type Residential
 

211 Bell Rd Nashville, TN 37217

Price $159,900
Beds 4
Baths 2
Living Area SqFt 2,320
Status Active Under Contract
MLS # 1860063
Property Type Residential
 

4117 Pepperwood Dr Antioch, TN 37013

$159,900 - 3Br/2Ba -  for Sale in Peppertree Forest, Antioch
New
Price $159,900
Beds 3
Baths 2
Living Area SqFt 1,161
Status Active
MLS # 1865477
Property Type Residential
 

4785 Whites Creek Pike Whites Creek, TN 37189

Price $158,950
Beds 2
Baths 1
Living Area SqFt 712
Status Active
MLS # 1856471
Property Type Residential
 

323 Tamworth Dr Nashville, TN 37214

$157,900 - 2Br/1Ba -  for Sale in Eva Mor Heights, Nashville
New
Price $157,900
Beds 2
Baths 1
Living Area SqFt 744
Status Active Under Contract
MLS # 1864999
Property Type Residential
 

3402 Tisdall Dr Whites Creek, TN 37189

Price $157,500
Beds 3
Baths 2
Living Area SqFt 1,315
Status Active
MLS # 1845670
Property Type Condo
 

5170 Hickory Hollow Pkwy 222 Antioch, TN 37013

Price $155,000
Beds 3
Baths 3
Living Area SqFt 1,440
Status Active Under Contract
MLS # 1845466
Property Type Condo
 

8215 Coley Davis Rd Nashville, TN 37221

Price $155,000
Beds 2
Baths 3
Living Area SqFt 1,152
Status Active Under Contract
MLS # 1856957
Property Type Condo
 

646 W Green Ln W, Nashville

Price $155,000
Beds 3
Baths 2
Living Area SqFt 1,620
Status Active Under Contract
MLS # 1846716
Property Type Residential
 

2316 Baker Station Rd Goodlettsville, TN 37072

Price $155,000
Beds 3
Baths 1
Living Area SqFt 1,796
Status Active
MLS # 1855501
Property Type Residential
 

574 Moss Landing Dr Antioch, TN 37013

Price $155,000
Beds 3
Baths 2
Living Area SqFt 1,489
Status Active Under Contract
MLS # 1863338
Property Type Residential
 

1505 Debow St Old Hickory, TN 37138

Price $155,000
Beds 3
Baths 1
Living Area SqFt 1,028
Status Active Under Contract
MLS # 1863851
Property Type Residential
 

209 Nawakwa Trl Madison, TN 37115

Price $154,900
Beds 3
Baths 2
Living Area SqFt 984
Status Active
MLS # 1862046
Property Type Residential
 

425 Scotts Creek Trl Hermitage, TN 37076

Price $154,900
Beds 2
Baths 2
Living Area SqFt 1,136
Status Active Under Contract
MLS # 1864053
Property Type Residential
 

8409 Riley Adcock Rd Joelton, TN 37080

Price $154,800
Beds 3
Baths 2
Living Area SqFt 1,288
Status Active
MLS # 1860522
Property Type Residential
 

8161 Jackman Rd Joelton, TN 37080

Price $154,800
Beds 2
Baths 1
Living Area SqFt 784
Status Active Under Contract
MLS # 1864250
Property Type Residential
 

5510 Country Dr Apt 127 Nashville, TN 37211

Price $153,000
Beds 3
Baths 4
Living Area SqFt 2,160
Status Active
MLS # 1841801
Property Type Condo
 

5266 Old Hickory Blvd Nashville, TN 37218

Price $150,000
Living Area SqFt 1,519
Status Active
MLS # 1837481
Property Type Residential
 
 
 

3338 Oak Trees Ct Antioch, TN 37013

Price $150,000
Beds 2
Baths 2
Living Area SqFt 1,137
Status Active
MLS # 1841016
Property Type Residential
 

2402 Santi Avenue Nashville, TN 37208

Price $150,000
Beds 3
Baths 1
Living Area SqFt 1,207
Status Active Under Contract
MLS # 1841622
Property Type Residential
 

309 Amberwine Ct Antioch, TN 37013

Price $150,000
Beds 3
Baths 2
Living Area SqFt 940
Status Active Under Contract
MLS # 1855555
Property Type Residential
 

3417 Towneship Rd Antioch, TN 37013

Price $150,000
Beds 3
Baths 2
Living Area SqFt 1,248
Status Active
MLS # 1860026
Property Type Residential
 

3147 Justin Towne Ct Antioch, TN 37013

Price $150,000
Beds 2
Baths 2
Living Area SqFt 1,166
Status Active
MLS # 1864487
Property Type Residential
 

804 Lake Terrace Dr Nashville, TN 37217

$150,000 - 2Br/2Ba -  for Sale in Harbor Gate, Nashville
New
Price $150,000
Beds 2
Baths 2
Living Area SqFt 1,211
Status Active
MLS # 1865169
Property Type Residential
 

411 Gregg Ct Nashville, TN 37217

$150,000 - 2Br/3Ba -  for Sale in Edge-o-lake, Nashville
New
Price $150,000
Beds 2
Baths 3
Living Area SqFt 1,280
Status Active
MLS # 1865179
Property Type Residential
 

707 27th Ave N Nashville, TN 37208

$149,999 - 2Br/1Ba -  for Sale in Turner/mcnairy, Nashville
New
Price $149,999
Beds 2
Baths 1
Living Area SqFt 821
Status Active
MLS # 1865069
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"