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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1048 Mallow Dr Madison, TN 37115

Price $150,000
Beds 3
Baths 2
Living Area SqFt 1,050
Status Active
MLS # 1880237
Property Type Residential
 

1007 Halifax Ln Antioch, TN 37013

Price $149,900
Beds 2
Baths 3
Living Area SqFt 1,312
Status Active
MLS # 1856902
Property Type Condo
 

201 Acklen Park Dr Apt 1 Nashville, TN 37203

Price $149,900
Beds 1
Baths 1
Living Area SqFt 615
Status Active Under Contract
MLS # 1869885
Property Type Condo
 

1900 Richard Jones Rd Apt A203 Nashville, TN 37215

Price $149,900
Beds 1
Baths 1
Living Area SqFt 625
Status Active Under Contract
MLS # 1871887
Property Type Condo
 

4905 Kilimanjaro Dr Old Hickory, TN 37138

Price $149,900
Beds 3
Baths 2
Living Area SqFt 1,186
Status Active Under Contract
MLS # 1850228
Property Type Residential
 

2105 18th Avenue North Nashville, TN 37208

Price $149,900
Beds 2
Baths 1
Living Area SqFt 817
Status Active
MLS # 1861587
Property Type Residential
 

3240 Priest Woods Dr Nashville, TN 37214

Price $149,900
Beds 2
Baths 3
Living Area SqFt 1,200
Status Active
MLS # 1864877
Property Type Residential
 

3417 Towneship Rd Antioch, TN 37013

Price $149,900
Beds 3
Baths 2
Living Area SqFt 1,248
Status Active Under Contract
MLS # 1870404
Property Type Residential
 

3257 Lakeford Dr Nashville, TN 37214

Price $149,900
Beds 2
Baths 3
Living Area SqFt 1,200
Status Active Under Contract
MLS # 1873541
Property Type Residential
 

4814 Apollo Drive Antioch, TN 37013

Price $149,900
Beds 3
Baths 2
Living Area SqFt 1,406
Status Active
MLS # 1874957
Property Type Residential
 

3102 Esther Ave Nashville, TN 37218

Price $149,900
Beds 2
Baths 1
Living Area SqFt 768
Status Active Under Contract
MLS # 1878133
Property Type Residential
 

210 Wiley St Madison, TN 37115

$149,900 - 2Br/2Ba -  for Sale in Overlook Estates, Madison
New
Price $149,900
Beds 2
Baths 2
Living Area SqFt 988
Status Active
MLS # 1882551
Property Type Residential
 

2800 Greer Goodlettsville, TN 37072

Price $149,000
Beds 3
Baths 2
Living Area SqFt 1,624
Status Active
MLS # 1842240
Property Type Residential
 

718 28th Ave N Nashville, TN 37208

Price $148,900
Beds 2
Baths 1
Living Area SqFt 784
Status Active
MLS # 1812008
Property Type Residential
 

1947 Lombardia Ln Madison, TN 37115

Price $147,900
Beds 2
Baths 3
Living Area SqFt 1,176
Status Active Under Contract
MLS # 1872288
Property Type Condo
 

1939 Lombardia Ln Madison, TN 37115

Price $147,900
Beds 2
Baths 3
Living Area SqFt 1,176
Status Active
MLS # 1878439
Property Type Condo
 

2105 Lombardia Ct Madison, TN 37115

Price $147,900
Beds 2
Baths 2
Living Area SqFt 1,083
Status Active Under Contract
MLS # 1875160
Property Type Residential
 

249 Duling Ave Madison, TN 37115

$147,900 - 2Br/1Ba -  for Sale in Woodlawn Estates, Madison
New
Price $147,900
Beds 2
Baths 1
Living Area SqFt 840
Status Active
MLS # 1882097
Property Type Residential
 

110 Bellevue Rd Apt 16 Nashville, TN 37221

Price $145,900
Beds 3
Baths 2
Living Area SqFt 1,254
Status Active
MLS # 1873711
Property Type Condo
 

5510 Country Dr Apt 127 Nashville, TN 37211

Price $145,000
Beds 3
Baths 4
Living Area SqFt 2,160
Status Active
MLS # 1841801
Property Type Condo
 

141 Thistle Ln Hermitage, TN 37076

Price $145,000
Beds 2
Baths 2
Living Area SqFt 1,116
Status Active Under Contract
MLS # 1875453
Property Type Condo
 

4718 Richards Ct Antioch, TN 37013

$145,000 - 3Br/1Ba -  for Sale in Debra Heights, Antioch
New
Price $145,000
Beds 3
Baths 1
Living Area SqFt 1,025
Status Active
MLS # 1882057
Property Type Residential
 

129 Lakebrink Dr Nashville, TN 37214

Price $144,900
Beds 2
Baths 2
Living Area SqFt 1,156
Status Active Under Contract
MLS # 1870860
Property Type Condo
 

515 Basswood Avenue 156 Nashville, TN 37209

Price $144,900
Beds 1
Baths 1
Living Area SqFt 703
Status Active
MLS # 1880305
Property Type Condo
 

3147 Justin Towne Ct Antioch, TN 37013

Price $144,900
Beds 2
Baths 2
Living Area SqFt 1,166
Status Active Under Contract
MLS # 1864487
Property Type Residential
 

1212 Massman Nashville, TN 37217

Price $143,900
Beds 2
Baths 2
Living Area SqFt 1,024
Status Active
MLS # 1867535
Property Type Condo
 

2028 Jones Cir Nashville, TN 37207

Price $143,000
Beds 2
Baths 1
Living Area SqFt 1,052
Status Active
MLS # 1881801
Property Type Residential
 

820 Old Coach Pl Hermitage, TN 37076

Price $142,500
Beds 2
Baths 2
Living Area SqFt 1,647
Status Active Under Contract
MLS # 1878900
Property Type Condo
 

2197 Nolensville Pike Apt 103 Nashville, TN 37211

Price $140,000
Baths 1
Living Area SqFt 510
Status Active Under Contract
MLS # 1865797
Property Type Condo
 
 

125 Mcmurray Cir Nashville, TN 37211

Price $140,000
Beds 2
Baths 2
Living Area SqFt 1,106
Status Active
MLS # 1872228
Property Type Condo
 

111 Elizabeths Ct Antioch, TN 37013

Price $140,000
Beds 2
Baths 2
Living Area SqFt 1,092
Status Active
MLS # 1874678
Property Type Condo
 

2833 Claylick Rd Whites Creek, TN 37189

Price $140,000
Beds 2
Baths 2
Living Area SqFt 1,504
Status Active Under Contract
MLS # 1866091
Property Type Residential
 

3361 Oak Trees Ct Antioch, TN 37013

Price $140,000
Beds 2
Baths 2
Living Area SqFt 1,096
Status Active
MLS # 1873432
Property Type Residential
 

719 Elissa Dr Nashville, TN 37217

Price $140,000
Beds 3
Baths 1
Living Area SqFt 950
Status Active
MLS # 1874167
Property Type Residential
 

1010 Heritage Dr Madison, TN 37115

Price $139,900
Beds 3
Baths 3
Living Area SqFt 1,812
Status Active
MLS # 1865735
Property Type Condo
 

5600 Country Dr Nashville, TN 37211

Price $139,900
Beds 2
Baths 2
Living Area SqFt 1,247
Status Active Under Contract
MLS # 1878479
Property Type Condo
 

129 Tomarand Rd Antioch, TN 37013

Price $139,900
Beds 3
Baths 1
Living Area SqFt 1,100
Status Active Under Contract
MLS # 1869285
Property Type Residential
 

663 E Old Hickory Blvd Madison, TN 37115

Price $139,900
Beds 2
Baths 2
Living Area SqFt 894
Status Active
MLS # 1870051
Property Type Residential
 

332 Duke St Nashville, TN 37207

Price $139,900
Beds 2
Baths 1
Living Area SqFt 750
Status Active Under Contract
MLS # 1873526
Property Type Residential
 

4041 Navaho Trail Nashville, TN 37211

Price $139,500
Beds 3
Baths 2
Living Area SqFt 988
Status Active Under Contract
MLS # 1870679
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"