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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8376 Riley Adcock Joelton, TN 37080

Price $139,900
Beds 3
Baths 2
Living Area SqFt 1,257
Status Active Under Contract
MLS # 1850803
Property Type Residential
 

2402 Booker St Nashville, TN 37208

Price $139,900
Beds 2
Baths 1
Living Area SqFt 792
Status Active
MLS # 1857049
Property Type Residential
 

1002 42nd Ave Nashville, TN 37209

Price $139,900
Beds 3
Baths 1
Living Area SqFt 1,185
Status Active
MLS # 1858113
Property Type Residential
 

3215 Lakeford Dr Nashville, TN 37214

Price $139,900
Beds 3
Baths 2
Living Area SqFt 1,265
Status Active Under Contract
MLS # 1859716
Property Type Residential
 

2403 Stivers St Nashville, TN 37218

Price $139,900
Beds 2
Baths 1
Living Area SqFt 1,140
Status Active Under Contract
MLS # 1861629
Property Type Residential
 

1016 Mallow Dr Madison, TN 37115

Price $139,900
Beds 3
Baths 2
Living Area SqFt 1,050
Status Active Under Contract
MLS # 1862665
Property Type Residential
 

1714 Buchanan Ct Nashville, TN 37208

Price $139,399
Beds 3
Baths 1
Living Area SqFt 875
Status Active Under Contract
MLS # 1849118
Property Type Residential
 

725 Knightsbridge Way Antioch, TN 37013

Price $139,000
Beds 3
Baths 2
Living Area SqFt 1,534
Status Active Under Contract
MLS # 1840652
Property Type Residential
 

2800 Greer Goodlettsville, TN 37072

Price $139,000
Beds 3
Baths 2
Living Area SqFt 1,624
Status Active Under Contract
MLS # 1842240
Property Type Residential
 

123 Five Oaks Dr Nashville, TN 37217

$138,900 - 2Br/2Ba -  for Sale in Five Oaks, Nashville
New
Price $138,900
Beds 2
Baths 2
Living Area SqFt 1,102
Status Active
MLS # 1864262
Property Type Condo
 

1467 Snell Blvd Nashville, TN 37218

Price $135,900
Beds 3
Baths 1
Living Area SqFt 1,490
Status Active Under Contract
MLS # 1859370
Property Type Residential
 

323 Timberway Cir Nashville, TN 37214

Price $135,000
Beds 2
Baths 3
Living Area SqFt 1,174
Status Active
MLS # 1856370
Property Type Condo
 

221 Cedarwood Ln Madison, TN 37115

Price $135,000
Beds 2
Baths 3
Living Area SqFt 1,330
Status Active Under Contract
MLS # 1859357
Property Type Condo
 

1012 Heritage Dr Madison, TN 37115

Price $134,900
Beds 2
Baths 2
Living Area SqFt 1,320
Status Active
MLS # 1856109
Property Type Condo
 

1104 Cabana Dr Nashville, TN 37214

$134,900 - 2Br/1Ba -  for Sale in Patio Villa, Nashville
New
Price $134,900
Beds 2
Baths 1
Living Area SqFt 1,067
Status Active
MLS # 1864675
Property Type Residential
 

2603 Jenkins St Nashville, TN 37208

Price $134,501
Beds 3
Baths 1
Living Area SqFt 912
Status Active Under Contract
MLS # 1849016
Property Type Residential
 

5101 Hunters Point Ln Hermitage, TN 37076

Price $134,000
Beds 2
Baths 1
Living Area SqFt 1,105
Status Active Under Contract
MLS # 1862701
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
 

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
 

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
 

5510 Country Dr Apt 8 Nashville, TN 37211

Price $129,900
Beds 2
Baths 2
Living Area SqFt 1,218
Status Active
MLS # 1863882
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
 

661 Ewing Dr Nashville, TN 37207

Price $129,900
Beds 4
Baths 2
Living Area SqFt 2,863
Status Active
MLS # 1813801
Property Type Residential
 

2904 Clifton Avenue Nashville, TN 37209

Price $129,900
Beds 2
Baths 1
Living Area SqFt 1,222
Status Active Under Contract
MLS # 1832415
Property Type Residential
 

1804 Hailey Ave Nashville, TN 37218

Price $129,900
Beds 2
Baths 1
Living Area SqFt 1,000
Status Active Under Contract
MLS # 1854292
Property Type Residential
 

3215 Clifton Ave Nashville, TN 37209

Price $129,900
Beds 3
Baths 1
Living Area SqFt 1,128
Status Active
MLS # 1861671
Property Type Residential
 

420a5 Elysian Fields Nashville, TN 37211

Price $127,500
Beds 2
Baths 2
Living Area SqFt 962
Status Active Under Contract
MLS # 1831800
Property Type Condo
 

184 Heritage Trace Dr Madison, TN 37115

Price $127,500
Beds 2
Baths 2
Living Area SqFt 1,152
Status Active Under Contract
MLS # 1857048
Property Type Condo
 

4001 Anderson Rd Unit G62 Nashville, TN 37217

Price $125,900
Beds 4
Baths 2
Living Area SqFt 1,912
Status Active Under Contract
MLS # 1862093
Property Type Condo
 

5510 Country Dr Apt 42 Nashville, TN 37211

Price $125,000
Beds 3
Baths 3
Living Area SqFt 1,480
Status Active
MLS # 1852077
Property Type Condo
 

340 Hickory Pl Nashville, TN 37214

Price $125,000
Beds 2
Baths 3
Living Area SqFt 1,178
Status Active Under Contract
MLS # 1857755
Property Type Condo
 

426 Raintree Pl Hermitage, TN 37076

Price $125,000
Beds 4
Baths 3
Living Area SqFt 1,912
Status Active
MLS # 1860420
Property Type Condo
 

110 Bellevue Rd Unit 30 Nashville, TN 37221

Price $125,000
Beds 2
Baths 2
Living Area SqFt 1,122
Status Active Under Contract
MLS # 1862191
Property Type Condo
 

4958 Edmondson Pike # C13 Nashville, TN 37211

$125,000 - 3Br/2Ba -  for Sale in Woodlea Place, Nashville
New
Price $125,000
Beds 3
Baths 2
Living Area SqFt 1,349
Status Active
MLS # 1865059
Property Type Condo
 

729 Willow Trace Dr Whites Creek, TN 37189

Price $125,000
Beds 3
Baths 2
Living Area SqFt 1,076
Status Active Under Contract
MLS # 1781114
Property Type Residential
 

852 Denson Ave Madison, TN 37115

Price $125,000
Beds 1
Baths 1
Living Area SqFt 755
Status Active
MLS # 1841572
Property Type Residential
 

2501 Finland St Nashville, TN 37208

Price $125,000
Beds 2
Baths 1
Living Area SqFt 792
Status Active Under Contract
MLS # 1859955
Property Type Residential
 

420 Elysian Fields Rd Apt E2 Nashville, TN 37211

Price $124,900
Beds 2
Baths 2
Living Area SqFt 936
Status Active
MLS # 1833364
Property Type Condo
 

901 Patio Dr Nashville, TN 37214

Price $124,900
Beds 1
Baths 1
Living Area SqFt 933
Status Active
MLS # 1857536
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"