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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250 Westfield Dr Nashville, TN 37221

$185,000 - 2Br/2Ba -  for Sale in Westfield, Nashville
New
Price $185,000
Beds 2
Baths 2
Living Area SqFt 1,152
Status Active
MLS # 1941314
Property Type Condo
 

300 Lallemand Ct Nashville, TN 37211

Price $185,000
Beds 2
Baths 1
Living Area SqFt 1,000
Status Active
MLS # 1933120
Property Type Residential
 

1822 Cephas St Nashville, TN 37208

Price $185,000
Beds 3
Baths 2
Living Area SqFt 1,289
Status Active
MLS # 1933312
Property Type Residential
 

1001 11th Ave N Nashville, TN 37208

Price $185,000
Beds 3
Baths 2
Living Area SqFt 1,289
Status Active
MLS # 1933316
Property Type Residential
 

34 Shepard St Nashville, TN 37210

Price $185,000
Beds 3
Baths 2
Living Area SqFt 1,289
Status Active
MLS # 1933327
Property Type Residential
 

936a Snow Ave Madison, TN 37115

Price $185,000
Beds 3
Baths 2
Living Area SqFt 1,289
Status Active
MLS # 1933484
Property Type Residential
 

936b Snow Ave Madison, TN 37115

Price $185,000
Beds 3
Baths 2
Living Area SqFt 1,289
Status Active
MLS # 1933485
Property Type Residential
 

166 Suzanne Dr Antioch, TN 37013

Price $185,000
Beds 3
Baths 2
Living Area SqFt 1,454
Status Active Under Contract
MLS # 1939616
Property Type Residential
 

1700 Heritage Glen Dr Madison, TN 37115

Price $185,000
Beds 3
Baths 2
Living Area SqFt 1,194
Status Active
MLS # 1939861
Property Type Residential
 

3481 Mcgavock Pike Nashville, TN 37217

$185,000 - 2Br/2Ba -  for Sale in Seven Oaks Estates, Nashville
New
Price $185,000
Beds 2
Baths 2
Living Area SqFt 1,054
Status Active
MLS # 1941793
Property Type Residential
 

214 Old Hickory Blvd Apt 146 Nashville, TN 37221

Price $184,900
Beds 2
Baths 2
Living Area SqFt 1,116
Status Active
MLS # 1938094
Property Type Condo
 

3305 Doverside Dr Nashville, TN 37207

Price $184,900
Beds 3
Baths 2
Living Area SqFt 1,533
Status Active Under Contract
MLS # 1919678
Property Type Residential
 

2913 Sheana Way Antioch, TN 37013

Price $184,900
Beds 2
Baths 2
Living Area SqFt 1,294
Status Active
MLS # 1939247
Property Type Residential
 

578 Flintlock Ct Nashville, TN 37217

Price $184,500
Beds 2
Baths 3
Living Area SqFt 1,234
Status Active Under Contract
MLS # 1934921
Property Type Condo
 

406 Flintlock Ct Nashville, TN 37217

Price $183,500
Beds 2
Baths 3
Living Area SqFt 1,216
Status Active Under Contract
MLS # 1931482
Property Type Condo
 

124 Saddle Tree Ct Hermitage, TN 37076

Price $183,000
Beds 3
Baths 3
Living Area SqFt 1,695
Status Active Under Contract
MLS # 1935103
Property Type Condo
 

360 Summit Ridge Cir Nashville, TN 37215

Price $181,000
Beds 1
Baths 1
Living Area SqFt 716
Status Active
MLS # 1933590
Property Type Condo
 

373 Rayon Dr Old Hickory, TN 37138

Price $180,900
Beds 2
Baths 1
Living Area SqFt 1,136
Status Active
MLS # 1933744
Property Type Residential
 

510 Basswood Ave Apt 15 Nashville, TN 37209

Price $180,000
Beds 2
Baths 2
Living Area SqFt 1,170
Status Active
MLS # 1938670
Property Type Condo
 

3921 Pheasant Dr Nashville, TN 37218

Price $180,000
Beds 3
Baths 2
Living Area SqFt 1,349
Status Active
MLS # 1939241
Property Type Residential
 

1513 Lock Rd Nashville, TN 37207

Price $180,000
Beds 2
Baths 1
Living Area SqFt 624
Status Active
MLS # 1939849
Property Type Residential
 

336 Dinwiddie Dr Madison, TN 37115

$180,000 - 3Br/1Ba -  for Sale in Stanley Heights, Madison
New
Price $180,000
Beds 3
Baths 1
Living Area SqFt 1,262
Status Active
MLS # 1941889
Property Type Residential
 

214 Jenna Lee Cir Madison, TN 37115

Price $179,900
Beds 2
Baths 3
Living Area SqFt 1,181
Status Active Under Contract
MLS # 1922028
Property Type Condo
 

206 Jenna Lee Cir Madison, TN 37115

Price $179,900
Beds 2
Baths 3
Living Area SqFt 1,181
Status Active Under Contract
MLS # 1927726
Property Type Condo
 

418 Flintlock Ct Nashville, TN 37217

Price $179,900
Beds 2
Baths 3
Living Area SqFt 1,216
Status Active Under Contract
MLS # 1930271
Property Type Condo
 

306 Mckenzie Pass Madison, TN 37115

Price $179,900
Beds 2
Baths 3
Living Area SqFt 1,181
Status Active Under Contract
MLS # 1932351
Property Type Condo
 

1740 Lincoya Bay Dr Nashville, TN 37214

Price $179,900
Beds 2
Baths 2
Living Area SqFt 1,088
Status Active
MLS # 1935814
Property Type Condo
 

1832 Isabelle Ln Unit 121 Antioch, TN 37013

Price $179,900
Beds 2
Baths 3
Living Area SqFt 1,380
Status Active Under Contract
MLS # 1936266
Property Type Condo
 

515 Basswood Ave # B25 Nashville, TN 37209

Price $179,900
Beds 3
Baths 2
Living Area SqFt 1,154
Status Active
MLS # 1938347
Property Type Condo
 

111 Allison Ann Pass Madison, TN 37115

Price $179,900
Beds 2
Baths 3
Living Area SqFt 1,181
Status Active Under Contract
MLS # 1938545
Property Type Condo
 

1301 Litton Ave Nashville, TN 37216

Price $179,900
Beds 3
Baths 1
Living Area SqFt 1,260
Status Active Under Contract
MLS # 1860507
Property Type Residential
 

3217 Panorama Dr Nashville, TN 37218

Price $179,900
Beds 3
Baths 2
Living Area SqFt 1,407
Status Active Under Contract
MLS # 1903944
Property Type Residential
 

708 Chadwell Madison, TN 37115

Price $179,900
Beds 3
Baths 2
Living Area SqFt 1,460
Status Active Under Contract
MLS # 1919524
Property Type Residential
 

3812 Ridgeside Dr Nashville, TN 37207

Price $179,900
Beds 3
Baths 2
Living Area SqFt 1,376
Status Active Under Contract
MLS # 1929769
Property Type Residential
 

2420 Fairbrook Dr Nashville, TN 37214

Price $179,900
Beds 2
Baths 2
Living Area SqFt 1,020
Status Active
MLS # 1932465
Property Type Residential
 

5890 Lickton Pike Goodlettsville, TN 37072

Price $179,900
Beds 2
Baths 2
Living Area SqFt 2,240
Status Active
MLS # 1933152
Property Type Residential
 

2809 Hastings Rd Nashville, TN 37214

Price $179,900
Beds 3
Baths 2
Living Area SqFt 1,454
Status Active Under Contract
MLS # 1936584
Property Type Residential
 

10 N. Hill Nashville, TN 37210

Price $179,000
Beds 3
Baths 1
Living Area SqFt 1,552
Status Active Under Contract
MLS # 1803778
Property Type Residential
 

1614 Elizabeth Rd Nashville, TN 37218

Price $178,500
Beds 3
Baths 2
Living Area SqFt 1,432
Status Active Under Contract
MLS # 1911262
Property Type Residential
 

220 Jenna Lee Cir Madison, TN 37115

Price $177,900
Beds 2
Baths 3
Living Area SqFt 1,164
Status Active Under Contract
MLS # 1925924
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"