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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2003 Forges Drive Nashville, TN 37217

$144,941 - 3Br/1Ba -  for Sale in Una Manor, Nashville
New
Price $144,941
Beds 3
Baths 1
Living Area SqFt 1,248
Status Active
MLS # 1846828
Property Type Residential
 

1935 Lombardia Ln Madison, TN 37115

$144,900 - 2Br/3Ba -  for Sale in Lanier Park Townhomes, Madison
New
Price $144,900
Beds 2
Baths 3
Living Area SqFt 1,176
Status Active
MLS # 1847839
Property Type Condo
 

130 Heritage Trace Dr Madison, TN 37115

Price $143,900
Beds 3
Baths 2
Living Area SqFt 1,639
Status Active Under Contract
MLS # 1842542
Property Type Condo
 

4101 Main St Old Hickory, TN 37138

Price $142,900
Beds 2
Baths 1
Living Area SqFt 770
Status Active
MLS # 1826939
Property Type Residential
 

5510 Country Dr Apt 2 Nashville, TN 37211

$140,000 - 3Br/3Ba -  for Sale in Hickory Valley Condominium, Nashville
New
Price $140,000
Beds 3
Baths 3
Living Area SqFt 1,480
Status Active
MLS # 1847042
Property Type Condo
 

2705 Fleet Dr Hermitage, TN 37076

Price $140,000
Beds 3
Baths 3
Living Area SqFt 1,740
Status Active Under Contract
MLS # 1782436
Property Type Residential
 

2904 Clifton Avenue Nashville, TN 37209

Price $140,000
Beds 2
Baths 1
Living Area SqFt 1,222
Status Active
MLS # 1832415
Property Type Residential
 

3510 Clifton Ave Nashville, TN 37209

Price $139,944
Beds 3
Baths 1
Living Area SqFt 1,100
Status Active
MLS # 1845749
Property Type Residential
 

3131 Union Hill Rd Whites Creek, TN 37189

Price $139,900
Beds 3
Baths 2
Living Area SqFt 2,100
Status Active
MLS # 1829900
Property Type Residential
 

1943 Lombardia Ln Madison, TN 37115

Price $139,900
Beds 2
Baths 3
Living Area SqFt 1,176
Status Active Under Contract
MLS # 1831534
Property Type Condo
 

3216 Lakeford Dr Nashville, TN 37214

Price $139,900
Beds 3
Baths 2
Living Area SqFt 1,275
Status Active Under Contract
MLS # 1821231
Property Type Residential
 

1215 Timber Valley Dr Nashville, TN 37214

Price $139,900
Beds 2
Baths 3
Living Area SqFt 1,210
Status Active Under Contract
MLS # 1830461
Property Type Residential
 

843 Netherlands Dr Hermitage, TN 37076

Price $139,900
Beds 3
Baths 2
Living Area SqFt 1,134
Status Active Under Contract
MLS # 1835532
Property Type Residential
 

3142 Justin Towne Ct Antioch, TN 37013

Price $139,900
Beds 3
Baths 2
Living Area SqFt 1,066
Status Active
MLS # 1840631
Property Type Residential
 

1715 23rd Avenue North Nashville, TN 37208

Price $139,900
Beds 2
Baths 2
Living Area SqFt 1,257
Status Active
MLS # 1840938
Property Type Residential
 

3571 Binkley Rd Joelton, TN 37080

Price $139,900
Beds 3
Baths 2
Living Area SqFt 1,344
Status Active Under Contract
MLS # 1842045
Property Type Residential
 

211 Capital St Old Hickory, TN 37138

Price $139,900
Beds 3
Baths 1
Living Area SqFt 1,436
Status Active
MLS # 1844777
Property Type Residential
 

638 N 5th St Nashville, TN 37207

Price $139,900
Beds 3
Baths 2
Living Area SqFt 1,102
Status Active
MLS # 1846516
Property Type Residential
 

831 Netherlands Dr Hermitage, TN 37076

$139,900 - 3Br/2Ba -  for Sale in Meadows Of Tulip Grove, Hermitage
New
Price $139,900
Beds 3
Baths 2
Living Area SqFt 1,176
Status Active
MLS # 1847135
Property Type Residential
 

633 Lane Dr Nashville, TN 37207

$139,800 - 3Br/1Ba -  for Sale in Haynes Manor, Nashville
New
Price $139,800
Beds 3
Baths 1
Living Area SqFt 1,125
Status Active
MLS # 1847983
Property Type Residential
 

405 Hickory Glade Dr Antioch, TN 37013

Price $137,500
Beds 2
Baths 2
Living Area SqFt 1,122
Status Active Under Contract
MLS # 1834908
Property Type Condo
 

5170 Hickory Hollow Pkwy Antioch, TN 37013

Price $135,000
Beds 2
Baths 3
Living Area SqFt 1,240
Status Active Under Contract
MLS # 1837054
Property Type Condo
 

5510 Country Drive Nashville, TN 37211

$135,000 - 3Br/3Ba -  for Sale in Hickory Valley Condominium, Nashville
Open House
Price $135,000
Beds 3
Baths 3
Living Area SqFt 1,480
Status Active
MLS # 1837879
Property Type Condo
 

205 Laurel Hill Dr Old Hickory, TN 37138

$134,900 - 2Br/1Ba -  for Sale in Laurel Hill Courtyard Home, Old Hickory
New
Price $134,900
Beds 2
Baths 1
Living Area SqFt 891
Status Active
MLS # 1847502
Property Type Condo
 

532 E Maple St Madison, TN 37115

Price $134,900
Beds 1
Baths 1
Living Area SqFt 968
Status Active
MLS # 1836011
Property Type Residential
 

537 Bismark Dr Nashville, TN 37210

Price $134,900
Beds 3
Baths 1
Living Area SqFt 1,000
Status Active Under Contract
MLS # 1841751
Property Type Residential
 

407 Columbus Trace Ct Madison, TN 37115

Price $134,700
Beds 3
Baths 3
Living Area SqFt 1,472
Status Active Under Contract
MLS # 1840828
Property Type Condo
 

3314 Clifton Ave Nashville, TN 37209

Price $133,000
Beds 4
Baths 2
Living Area SqFt 1,646
Status Active
MLS # 1844796
Property Type Residential
 

3520 Gondola Dr Antioch, TN 37013

$132,500 - 2Br/2Ba -  for Sale in Chelsea Of Priest Lake, Antioch
New
Price $132,500
Beds 2
Baths 2
Living Area SqFt 1,066
Status Active Under Contract
MLS # 1847152
Property Type Residential
 

3401 Anderson Rd Unit 19 Antioch, TN 37013

Price $132,000
Beds 2
Baths 2
Living Area SqFt 1,328
Status Active Under Contract
MLS # 1836520
Property Type Condo
 

333 S Shore Dr Antioch, TN 37013

Price $130,000
Beds 3
Baths 2
Living Area SqFt 1,344
Status Active Under Contract
MLS # 1819675
Property Type Residential
 

367 Rayon Dr Old Hickory, TN 37138

Price $130,000
Beds 2
Baths 1
Living Area SqFt 800
Status Active Under Contract
MLS # 1822919
Property Type Residential
 

4608 Arapaho Ct Antioch, TN 37013

Price $130,000
Beds 3
Baths 2
Living Area SqFt 1,026
Status Active Under Contract
MLS # 1841807
Property Type Residential
 

3139 Justin Towne Ct Antioch, TN 37013

Price $130,000
Beds 2
Baths 2
Living Area SqFt 1,374
Status Active Under Contract
MLS # 1846536
Property Type Residential
 

926 Old Fountain Pl Hermitage, TN 37076

Price $129,900
Beds 2
Baths 2
Living Area SqFt 1,413
Status Active Under Contract
MLS # 1837983
Property Type Condo
 

227 Timberway Dr Nashville, TN 37214

Price $129,900
Beds 2
Baths 3
Living Area SqFt 1,188
Status Active
MLS # 1844594
Property Type Condo
 

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
 

1007 Brittany Park Drive Antioch, TN 37013

Price $129,900
Beds 2
Baths 2
Living Area SqFt 1,120
Status Active Under Contract
MLS # 1835728
Property Type Residential
 

2712 Bullock Ave Nashville, TN 37207

Price $129,900
Beds 3
Baths 2
Living Area SqFt 1,400
Status Active
MLS # 1842119
Property Type Residential
 

4013 Fairview Dr Nashville, TN 37218

Price $129,000
Beds 2
Baths 1
Living Area SqFt 768
Status Active Under Contract
MLS # 1837886
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"