Buying a home my be one of the largest purchases you will ever make, but it doesn’t have to be stressful. Let us guide you down the path to homeownership.

Select The Right Representative

The first step in finding a house is to select the right agent. Purchasing a home is a big investment with many legal and financial ramifications, so you should not choose an agent merely on “personal connection” or because that agent is “nice,” without further investigation. Just like lawyers and doctors, the best agents tend to specialize in certain types of sales, certain market segments, or other special areas.

While no agent is “right” for everyone, we believe that experience, training, education, background, and specialization all contribute to success. Nowadays, it is easy to locate properties through a combination of open houses and online searching. It may not, however, be in your best interest to wait until you locate a house to select a specific agent.

We can help identify the right neighborhood, coordinate financing, filter out inappropriate properties, identify off-market opportunities, and answer questions that come up along the way. An initial in-person consultation is absolutely critical.

Get PreApproved
Getting pre-approved by a local lender or mortgage broker is one of the first things you should do for many reasons. In Nashville, a pre-approval letter is a prerequisite for serious consideration of your offer. Knowing the available loan amount will aid in determining how much you intend to spend on your home and which neighborhoods to consider.
Generally, you should begin the pre-approval process immediately after meeting with your agent. If any issues come up, such as inaccuracies that make your credit score lower than expected, you will have time to resolve them. We can help you through this process and recommend excellent lenders and mortgage brokers. Our recommendations are completely free of any conflict of interest; we do not benefit monetarily from providing recommendations.
Make The Offer
Once we locate the best property, we will work with you to draft an offer. We will speak with the listing agent ahead of time to ascertain the seller’s desires and to see if you can offer any items of value to the seller with little cost to you. This shows your desire to work with the seller and can optimize the situation for both you and the seller. Regarding what price to offer, we will provide you with a comparable market analysis, showing the selling price of recent comparable properties and what the market value is of the current property. Additionally, we will update you on the interest level of other parties and whether you may be in a multiple offer situation.
Accept, Reject, Counter
 Once an offer is made, it can be accepted, rejected, or countered. A counteroffer accepts all the terms of the contract, except the terms that are mentioned. For instance, a counteroffer may increase the purchase price or shorten the closing period. A counteroffer can be made to one party or multiple parties. If there is only one counteroffer and that counteroffer is accepted, then a binding contract has formed. On the other hand, if there are multiple counteroffers, which may all have the same or different terms, the counteroffer must be accepted by the buyer and reaccepted by the seller, ensuring that the home sells to only one party.
Open Escrow
After the parties formed a contractual agreement, the escrow period begins. An escrow company is a neutral third party that acts as an intermediary between the buyer and seller. In Tennessee, title companies handle both the title and escrow duties of the same transaction. The most important job of the escrow company is to properly take the buyer’s money in exchange for the seller’s property. An average escrow period is 30-45 days.
If your purchase contract has contingencies, such as an inspection contingency, then we will help you find inspectors to view the home during the contingency period. During this period, you can determine whether you want to proceed with the purchase. If you back out of a contract for a reason related to a contingency during the contingency period, then you are entitled to a full return of your “good faith trust deposit.” We can assist you and ask the seller to credit you for any new problems. Usually, an agreement can still be reached if the seller accepts your requests. If your findings uncover a major issue, such as bad foundation, then you will likely want to back out of the deal without seeking a credit, as this involves a lot of risk. If you have a loan, as most homebuyers do, then an appraiser will appraise your home. Also, we will work with your loan officer to ensure that the loan proceeds arrive on time and with little hassle.
 
Closing Day
On the day of closing, the escrow company transfers your funds to the seller and records the deed in your name with the county. Once you are on record with the county, we will provide to you with the keys, garage opener, and access codes, if any. Other information, such as manuals for appliances, are usually left inthe property. While you are the owner of record when escrow closes, you generally will not receive the official deed from the county until several weeks later.
Enjoy Your Home

Congratulations and thank you for working with our team!