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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1444 Autumn Knoll Hermitage, TN 37076

Price $199,900
Beds 3
Baths 2
Living Area SqFt 1,280
Status Active Under Contract
MLS # 1922559
Property Type Residential
 

113 Rose St Nashville, TN 37210

Price $199,900
Beds 3
Baths 1
Living Area SqFt 1,150
Status Active
MLS # 1928325
Property Type Residential
 

5235 Ashland City Hwy Nashville, TN 37218

Price $199,900
Beds 4
Baths 3
Living Area SqFt 2,304
Status Active Under Contract
MLS # 1929304
Property Type Residential
 

2517a Herman St Nashville, TN 37208

Price $199,900
Beds 2
Baths 2
Living Area SqFt 1,125
Status Active
MLS # 1929090
Property Type Residential
 

216 Larkin Springs Rd Madison, TN 37115

Price $199,900
Beds 4
Baths 2
Living Area SqFt 1,350
Status Active Under Contract
MLS # 1929137
Property Type Residential
 

218 Larkin Springs Rd Madison, TN 37115

Price $199,900
Beds 4
Baths 2
Living Area SqFt 1,350
Status Active Under Contract
MLS # 1929148
Property Type Residential
 

1402 Bryan St Old Hickory, TN 37138

Price $199,900
Beds 3
Baths 1
Living Area SqFt 1,296
Status Active
MLS # 1930201
Property Type Residential
 

2011 Manchester Ave Nashville, TN 37218

Price $199,900
Beds 3
Baths 1
Living Area SqFt 1,309
Status Active Under Contract
MLS # 1932989
Property Type Residential
 

4729 Terragon Trl Antioch, TN 37013

Price $199,900
Beds 4
Baths 2
Living Area SqFt 1,900
Status Active Under Contract
MLS # 1933425
Property Type Residential
 

605 Annex Ave Nashville, TN 37209

Price $199,900
Beds 2
Baths 1
Living Area SqFt 888
Status Active
MLS # 1934585
Property Type Residential
 

105 Newell Ave Old Hickory, TN 37138

Price $199,900
Beds 3
Baths 2
Living Area SqFt 1,249
Status Active Under Contract
MLS # 1935562
Property Type Residential
 

4316 Summercrest Blvd Antioch, TN 37013

Price $199,900
Beds 2
Baths 3
Living Area SqFt 1,151
Status Active
MLS # 1936692
Property Type Residential
 

4316 Summercrest Blvd Antioch, TN 37013

Price $199,900
Beds 2
Baths 3
Living Area SqFt 1,151
Status Active
MLS # 1936712
Property Type Residential
 

4316 Summercrest Blvd Antioch, TN 37013

Price $199,900
Beds 2
Baths 3
Living Area SqFt 1,151
Status Active
MLS # 1937794
Property Type Residential
 

105 Nelson Ct W Madison, TN 37115

Price $199,900
Beds 3
Baths 2
Living Area SqFt 1,512
Status Active Under Contract
MLS # 1937949
Property Type Residential
 

4316 Summercrest Blvd Antioch, TN 37013

Price $199,900
Beds 2
Baths 3
Living Area SqFt 1,151
Status Active
MLS # 1939002
Property Type Residential
 

5131 Hunters Point Ln Hermitage, TN 37076

Price $199,900
Beds 3
Baths 2
Living Area SqFt 1,690
Status Active
MLS # 1940752
Property Type Residential
 

814 Delmas Ave Nashville, TN 37206

$199,900 - 2Br/1Ba -  for Sale in East Hill, Nashville
New
Price $199,900
Beds 2
Baths 1
Living Area SqFt 860
Status Active
MLS # 1941789
Property Type Residential
 

1610b 12th Ave N Nashville, TN 37208

Price $199,400
Beds 3
Baths 1
Living Area SqFt 1,361
Status Active
MLS # 1920105
Property Type Residential
 

752 Fox Ridge Dr Brentwood, TN 37027

Price $199,000
Beds 2
Baths 2
Living Area SqFt 992
Status Active Under Contract
MLS # 1933070
Property Type Condo
 

57 Glenrose Ave Nashville, TN 37210

Price $199,000
Beds 2
Baths 1
Living Area SqFt 868
Status Active
MLS # 1862308
Property Type Residential
 

4810 Apollo Dr Antioch, TN 37013

Price $199,000
Beds 4
Baths 4
Living Area SqFt 1,901
Status Active
MLS # 1869873
Property Type Residential
 

1523 16th Ave N Nashville, TN 37208

Price $199,000
Beds 3
Baths 1
Living Area SqFt 1,208
Status Active Under Contract
MLS # 1903933
Property Type Residential
 

2112 24th Ave Nashville, TN 37208

Price $199,000
Beds 4
Baths 2
Living Area SqFt 2,228
Status Active Under Contract
MLS # 1930105
Property Type Residential
 

134 Port Dr Madison, TN 37115

Price $199,000
Beds 3
Baths 2
Living Area SqFt 1,716
Status Active Under Contract
MLS # 1933016
Property Type Residential
 

206 Nesbitt Ln Madison, TN 37115

Price $198,900
Beds 3
Baths 2
Living Area SqFt 1,000
Status Active
MLS # 1857787
Property Type Residential
 

2120 Lebanon Pike Apt 55 Nashville, TN 37210

Price $198,000
Beds 2
Baths 2
Living Area SqFt 1,188
Status Active Under Contract
MLS # 1937647
Property Type Condo
 

825 Todd Preis Dr Nashville, TN 37221

Price $198,000
Beds 2
Baths 2
Living Area SqFt 1,117
Status Active
MLS # 1940103
Property Type Condo
 

735 Tulip Grove Rd Apt 212 Hermitage, TN 37076

Price $197,923
Beds 3
Baths 3
Living Area SqFt 1,320
Status Active Under Contract
MLS # 1938462
Property Type Condo
 

7470 Charlotte Pike Apt 6 Nashville, TN 37209

Price $196,900
Beds 2
Baths 3
Living Area SqFt 1,155
Status Active Under Contract
MLS # 1924468
Property Type Residential
 

7780 Sawyer Brown Rd Nashville, TN 37221

Price $195,500
Beds 1
Baths 1
Living Area SqFt 7,203
Status Active
MLS # 1905901
Property Type Condo
 

7780 Sawyer Brown Rd Nashville, TN 37221

Price $195,500
Beds 2
Baths 2
Living Area SqFt 1,276
Status Active
MLS # 1905906
Property Type Condo
 

712 Delray Dr Nashville, TN 37209

Price $195,000
Beds 2
Baths 1
Living Area SqFt 660
Status Active Under Contract
MLS # 1938099
Property Type Residential
 

1345 Bell Rd Unit 209 Antioch, TN 37013

Price $194,949
Beds 3
Baths 3
Living Area SqFt 1,644
Status Active Under Contract
MLS # 1939792
Property Type Condo
 

3224 Lincoya Creek Dr Nashville, TN 37214

Price $194,900
Beds 2
Baths 3
Living Area SqFt 1,140
Status Active Under Contract
MLS # 1935587
Property Type Condo
 

2197 Nolensville Pike Apt 311 Nashville, TN 37211

Price $194,900
Beds 1
Baths 1
Living Area SqFt 680
Status Active
MLS # 1936126
Property Type Condo
 

1400 Lillian St Nashville, TN 37206

Price $194,900
Beds 2
Baths 1
Living Area SqFt 816
Status Active Under Contract
MLS # 1924565
Property Type Residential
 

320 Rose St Nashville, TN 37210

Price $194,900
Living Area SqFt 924
Status Active
MLS # 1927570
Property Type Residential
 
 
 

1404 Rice Hill Cir Antioch, TN 37013

Price $193,500
Beds 3
Baths 2
Living Area SqFt 1,440
Status Active Under Contract
MLS # 1938453
Property Type Residential
 

221 Slayton Dr Madison, TN 37115

Price $192,500
Beds 3
Baths 2
Living Area SqFt 1,201
Status Active Under Contract
MLS # 1938047
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"