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:

227 Timberway Dr Nashville, TN 37214

Price $135,000
Beds 2
Baths 3
Living Area SqFt 1,188
Status Active Under Contract
MLS # 1875006
Property Type Condo
 

212 Raintree Dr Hermitage, TN 37076

Price $135,000
Beds 3
Baths 3
Living Area SqFt 1,918
Status Active
MLS # 1875621
Property Type Condo
 

1512 Denise Court Antioch, TN 37013

Price $135,000
Beds 3
Baths 1
Living Area SqFt 1,025
Status Active
MLS # 1872613
Property Type Residential
 

1903 26th Ave N Nashville, TN 37208

Price $134,900
Beds 3
Baths 1
Living Area SqFt 810
Status Active Under Contract
MLS # 1877082
Property Type Residential
 

309 Cedarview Dr Nashville, TN 37211

Price $134,900
Beds 3
Baths 2
Living Area SqFt 1,170
Status Active Under Contract
MLS # 1882045
Property Type Residential
 

4000 Anderson Rd Apt 50 Nashville, TN 37217

Price $130,000
Beds 3
Baths 3
Living Area SqFt 1,764
Status Active Under Contract
MLS # 1855163
Property Type Condo
 

1604 B 12th Ave N Nashville, TN 37208

Price $130,000
Beds 2
Baths 1
Living Area SqFt 672
Status Active
MLS # 1852549
Property Type Residential
 

810 Bellevue Rd Apt 184 Nashville, TN 37221

Price $129,900
Beds 2
Baths 2
Living Area SqFt 1,058
Status Active Under Contract
MLS # 1848487
Property Type Condo
 

21 Vaughns Gap Rd Apt 144 Nashville, TN 37205

Price $129,900
Beds 1
Baths 1
Living Area SqFt 715
Status Active Under Contract
MLS # 1874975
Property Type Condo
 

137 Heritage Trace Dr Madison, TN 37115

Price $129,900
Beds 2
Baths 2
Living Area SqFt 1,152
Status Active
MLS # 1879626
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
 

5519 Old Hickory Blvd Ashland City, TN 37015

Price $129,900
Beds 3
Baths 2
Living Area SqFt 1,800
Status Active Under Contract
MLS # 1876042
Property Type Residential
 

201 Tenonwood Ct Antioch, TN 37013

Price $129,900
Beds 2
Baths 2
Living Area SqFt 1,116
Status Active
MLS # 1877223
Property Type Residential
 

1012 Heritage Dr Madison, TN 37115

Price $129,000
Beds 2
Baths 2
Living Area SqFt 1,320
Status Active
MLS # 1856109
Property Type Condo
 

240 Timberway Dr Nashville, TN 37214

Price $127,900
Beds 2
Baths 3
Living Area SqFt 1,160
Status Active Under Contract
MLS # 1873248
Property Type Condo
 

4350 Old Hickory Blvd Old Hickory, TN 37138

Price $125,500
Beds 3
Baths 1
Living Area SqFt 1,077
Status Active Under Contract
MLS # 1873348
Property Type Residential
 

920 Patio Drive Nashville, TN 37214

Price $125,000
Beds 1
Baths 1
Living Area SqFt 914
Status Active Under Contract
MLS # 1881160
Property Type Condo
 

7816 Old Charlotte Pike Nashville, TN 37209

Price $125,000
Beds 3
Baths 1
Living Area SqFt 768
Status Active Under Contract
MLS # 1879262
Property Type Residential
 

2031 Nashboro Blvd Nashville, TN 37217

Price $124,900
Beds 2
Baths 2
Living Area SqFt 1,278
Status Active Under Contract
MLS # 1871624
Property Type Condo
 

420 Elysian Fields Rd Apt E2 Nashville, TN 37211

Price $124,900
Beds 2
Baths 2
Living Area SqFt 936
Status Active Under Contract
MLS # 1873120
Property Type Condo
 

2077 Nashboro Blvd Nashville, TN 37217

Price $124,900
Beds 2
Baths 2
Living Area SqFt 1,278
Status Active
MLS # 1881223
Property Type Condo
 

212 Lake Cv Old Hickory, TN 37138

Price $120,000
Beds 2
Baths 1
Living Area SqFt 890
Status Active
MLS # 1878269
Property Type Residential
 

3880 Priest Lake Dr Apt 5 Nashville, TN 37217

Price $119,900
Beds 2
Baths 2
Living Area SqFt 1,218
Status Active Under Contract
MLS # 1862435
Property Type Condo
 

3109 Greggwood Dr Nashville, TN 37207

Price $119,900
Beds 3
Baths 2
Living Area SqFt 1,552
Status Active
MLS # 1849711
Property Type Residential
 

135 Fain St Nashville, TN 37210

Price $115,000
Beds 2
Baths 1
Living Area SqFt 986
Status Active
MLS # 1849884
Property Type Residential
 

20 Sycamore Ct Antioch, TN 37013

Price $114,900
Beds 2
Baths 3
Living Area SqFt 1,284
Status Active Under Contract
MLS # 1870791
Property Type Condo
 

2512 Finland St Nashville, TN 37208

Price $114,900
Beds 2
Baths 1
Living Area SqFt 810
Status Active Under Contract
MLS # 1837635
Property Type Residential
 

1718 25th Ave N Nashville, TN 37208

Price $114,900
Beds 3
Baths 1
Living Area SqFt 944
Status Active
MLS # 1874119
Property Type Residential
 

318 Capital St Old Hickory, TN 37138

Price $112,500
Beds 2
Baths 1
Living Area SqFt 1,207
Status Active Under Contract
MLS # 1860973
Property Type Residential
 

665 Longhunter Ct Nashville, TN 37217

Price $110,500
Beds 3
Baths 3
Living Area SqFt 1,914
Status Active Under Contract
MLS # 1869521
Property Type Condo
 

4261 Nepal Dr Hermitage, TN 37076

Price $109,991
Beds 2
Baths 1
Living Area SqFt 912
Status Active
MLS # 1876015
Property Type Condo
 

123 Five Oaks Dr Nashville, TN 37217

Price $109,900
Beds 2
Baths 2
Living Area SqFt 1,102
Status Active Under Contract
MLS # 1864262
Property Type Condo
 

320 Welch Rd Apt O4 Nashville, TN 37211

Price $109,900
Beds 2
Baths 1
Living Area SqFt 963
Status Active
MLS # 1868308
Property Type Condo
 

345 Rayon Dr Old Hickory, TN 37138

Price $109,900
Beds 2
Baths 1
Living Area SqFt 775
Status Active
MLS # 1879403
Property Type Residential
 

5235 Ashland City Hwy Nashville, TN 37218

Price $109,500
Beds 4
Baths 2
Living Area SqFt 2,304
Status Active
MLS # 1874166
Property Type Residential
 

110 Minnette Ct Nashville, TN 37207

Price $105,000
Beds 2
Baths 2
Living Area SqFt 1,040
Status Active Under Contract
MLS # 1749132
Property Type Residential
 

420 Elysian Fields Unit A20 Nashville, TN 37211

Price $104,500
Beds 2
Baths 2
Living Area SqFt 936
Status Active Under Contract
MLS # 1812158
Property Type Condo
 

1301 Neelys Bend Rd Madison, TN 37115

Price $99,950
Beds 2
Baths 2
Living Area SqFt 1,104
Status Active
MLS # 1864549
Property Type Condo
 

204 Commerce St Old Hickory, TN 37138

Price $98,000
Beds 2
Baths 1
Living Area SqFt 560
Status Active Under Contract
MLS # 1877131
Property Type Residential
 

420 M68 Walton Ln Madison, TN 37115

Price $95,000
Beds 2
Baths 1
Living Area SqFt 920
Status Active Under Contract
MLS # 1878223
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"