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:

211 Rachels Ct Hermitage, TN 37076

Price $152,500
Beds 2
Baths 2
Living Area SqFt 1,516
Status Active Under Contract
MLS # 1954377
Property Type Condo
 

210 Old Hickory Blvd Apt 20 Nashville, TN 37221

Price $152,000
Beds 2
Baths 2
Living Area SqFt 1,050
Status Active Under Contract
MLS # 1959090
Property Type Condo
 

214 Old Hickory Blvd Nashville, TN 37221

Price $150,000
Beds 1
Baths 2
Living Area SqFt 720
Status Active Under Contract
MLS # 1937071
Property Type Condo
 

1248 Massman Dr Nashville, TN 37217

Price $150,000
Beds 2
Baths 2
Living Area SqFt 1,160
Status Active
MLS # 1945341
Property Type Condo
 

512 Hickory Villa Dr Nashville, TN 37211

Price $150,000
Beds 2
Baths 2
Living Area SqFt 1,122
Status Active
MLS # 1959827
Property Type Condo
 

3880 Priest Lake Dr Apt 48 Nashville, TN 37217

$150,000 - 3Br/3Ba -  for Sale in Priest Lake Park Condomini, Nashville
New
Price $150,000
Beds 3
Baths 3
Living Area SqFt 1,512
Status Active
MLS # 1961562
Property Type Condo
 

2730 Old Matthews Rd. Nashville, TN 37207

Price $150,000
Beds 3
Baths 1
Living Area SqFt 925
Status Active Under Contract
MLS # 1955065
Property Type Residential
 

512 Hickory Villa Dr Nashville, TN 37211

$150,000 - 2Br/2Ba -  for Sale in Hickory Villa Estates, Nashville
New
Price $150,000
Beds 2
Baths 2
Living Area SqFt 1,122
Status Active
MLS # 1960472
Property Type Residential
 

0 24th St Nashville, TN 37209

Price $149,900
Living Area SqFt 1
Status Active
MLS # 1943863
Property Type Residential
 
 
 

4225 Harding Pike Apt 205 Nashville, TN 37205

Price $149,900
Beds 1
Baths 1
Living Area SqFt 585
Status Active
MLS # 1933554
Property Type Condo
 

1039 Heritage Dr Madison, TN 37115

Price $149,900
Beds 2
Baths 3
Living Area SqFt 1,368
Status Active
MLS # 1950978
Property Type Condo
 

83 Donelson St Nashville, TN 37210

Price $149,900
Beds 3
Baths 2
Living Area SqFt 1,464
Status Active Under Contract
MLS # 1909118
Property Type Residential
 

3109 Greggwood Nashville, TN 37207

Price $149,900
Beds 3
Baths 2
Living Area SqFt 1,552
Status Active
MLS # 1946742
Property Type Residential
 

3132 Justin Towne Ct Antioch, TN 37013

Price $149,900
Beds 2
Baths 2
Living Area SqFt 1,166
Status Active
MLS # 1956415
Property Type Residential
 

309 Timberway Cir Nashville, TN 37214

Price $147,500
Beds 2
Baths 2
Living Area SqFt 1,174
Status Active Under Contract
MLS # 1948164
Property Type Condo
 

4001 Anderson Rd Unit O39 Nashville, TN 37217

Price $147,000
Beds 2
Baths 2
Living Area SqFt 1,472
Status Active Under Contract
MLS # 1954893
Property Type Condo
 

6011 Lickton Pike Goodlettsville, TN 37072

Price $147,000
Beds 2
Baths 2
Living Area SqFt 1,400
Status Active
MLS # 1932901
Property Type Residential
 

3203 Oakview Ct Antioch, TN 37013

Price $146,900
Beds 2
Baths 3
Living Area SqFt 1,154
Status Active Under Contract
MLS # 1938425
Property Type Residential
 

615 Hickory Glade Ct Antioch, TN 37013

Price $145,000
Beds 2
Baths 2
Living Area SqFt 1,122
Status Active Under Contract
MLS # 1951823
Property Type Condo
 

21 Vaughns Gap Rd Apt 128 Nashville, TN 37205

Price $145,000
Beds 1
Baths 1
Living Area SqFt 715
Status Active Under Contract
MLS # 1952721
Property Type Condo
 

4001 Anderson Rd Unit H46 Nashville, TN 37217

$145,000 - 2Br/2Ba -  for Sale in Harbour Town, Nashville
New
Price $145,000
Beds 2
Baths 2
Living Area SqFt 1,353
Status Active
MLS # 1961738
Property Type Condo
 

1738 23rd Ave N Nashville, TN 37208

Price $145,000
Beds 2
Baths 1
Living Area SqFt 973
Status Active Under Contract
MLS # 1937909
Property Type Residential
 

2929 Selena Dr # 130 Nashville, TN 37211

Price $144,900
Beds 2
Baths 2
Living Area SqFt 1,043
Status Active
MLS # 1959997
Property Type Condo
 

4312 Baton Rouge Dr Hermitage, TN 37076

Price $144,900
Beds 2
Baths 1
Living Area SqFt 941
Status Active Under Contract
MLS # 1946000
Property Type Residential
 

2501 Heiman St Nashville, TN 37208

Price $144,000
Beds 2
Baths 2
Living Area SqFt 960
Status Active Under Contract
MLS # 1952952
Property Type Residential
 

2503 Heiman St Nashville, TN 37208

Price $144,000
Beds 2
Baths 2
Living Area SqFt 960
Status Active Under Contract
MLS # 1952954
Property Type Residential
 

1819 15th Ave N N, Nashville

Price $142,900
Beds 2
Baths 1
Living Area SqFt 1,003
Status Active
MLS # 1944516
Property Type Residential
 

2835 Lake Forest Dr Nashville, TN 37217

Price $140,000
Beds 2
Baths 2
Living Area SqFt 1,220
Status Active Under Contract
MLS # 1930094
Property Type Condo
 

540 Chandler Pl Hermitage, TN 37076

Price $140,000
Beds 2
Baths 2
Living Area SqFt 1,110
Status Active
MLS # 1958257
Property Type Condo
 

1710 County Hospital Rd Nashville, TN 37218

Price $140,000
Beds 3
Baths 1
Living Area SqFt 1,305
Status Active
MLS # 1919658
Property Type Residential
 

214 Old Hickory Blvd Apt 82 Nashville, TN 37221

Price $139,900
Beds 1
Baths 1
Living Area SqFt 730
Status Active Under Contract
MLS # 1954174
Property Type Condo
 

332 Stewarts Ferry Pike Nashville, TN 37214

$139,900 - 2Br/2Ba -  for Sale in Bianca Square, Nashville
New
Price $139,900
Beds 2
Baths 2
Living Area SqFt 1,020
Status Active
MLS # 1960607
Property Type Condo
 

4638 Wright Ave Old Hickory, TN 37138

Price $139,900
Beds 3
Baths 1
Living Area SqFt 986
Status Active
MLS # 1939765
Property Type Residential
 

2174 Tinnin Rd Goodlettsville, TN 37072

Price $139,900
Beds 3
Baths 2
Living Area SqFt 1,629
Status Active
MLS # 1957325
Property Type Residential
 

1605 21st Ave N Nashville, TN 37208

Price $139,900
Beds 2
Baths 1
Living Area SqFt 900
Status Active
MLS # 1959696
Property Type Residential
 

4000 Anderson Rd #25 Nashville, TN 37217

Price $139,897
Beds 3
Baths 3
Living Area SqFt 1,480
Status Active
MLS # 1957822
Property Type Condo
 

928 Curdwood Blvd Nashville, TN 37216

Price $139,500
Beds 2
Baths 1
Living Area SqFt 777
Status Active
MLS # 1898533
Property Type Residential
 

5531 Eulala Dr Nashville, TN 37211

Price $137,000
Beds 2
Living Area SqFt 832
Status Active
MLS # 1946493
Property Type Residential
 
 

810 Bellevue Rd # 195 Nashville, TN 37221

Price $136,000
Beds 2
Baths 1
Living Area SqFt 912
Status Active
MLS # 1951971
Property Type Condo
 

613 Youngs Ln Nashville, TN 37207

Price $135,000
Beds 2
Baths 1
Living Area SqFt 1,056
Status Active
MLS # 1956893
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"