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Why Buy House in Nashville with Zivak Realty Group
We bring you the local expertise, negotiation skills, and insights that refine your home buying experience. At Zivak Realty Group, our customer-first approach helps you buy a house in Nashville Tennessee with less stress and more confidence.
With 28+ years of combined Nashville knowledge, we help you find the right home in the right neighborhood—at the right price.
From the first showing to the final signature, we’re by your side every step of the way.
We provide real-time market insights, neighborhood stats, and property comparisons to help you make confident decisions.
We advocate for your best interests and negotiate strong offers so you get more value for your investment.
We match you with homes that fit your needs, saving you time and stress during your search.
Need a reliable lender, inspector, or contractor? We’ve built a strong network of local professionals to support your journey.
Your Next Chapter Starts With the Perfect Home
Whether you're planning to buy your dream house soon or ready to move to your next home, we deliver straightforward advice tailored to your goals.Step by Step Guide to Buying A Home in Nashville
From preparing financially to getting the keys, Zivak Realty Group helps you navigate the buying process with confidence, clarity, and expert support.
Offer, Schedule, Finalize
For the final stage, it’s time to craft a compelling offer with backup contingencies in place. Additionally, you may also want to negotiate the price of repairs before finalizing the purchase. Better inspection = Higher value
Look Strategically
You can’t compromise when searching for homes in Nashville. So, list your non-negotiables, such as school zone, layout, and community. Use the LMS, open houses, and tours to compare listings and find the best option.
Choose A Local Realtor
Choosing a local realtor in Nashville Tennessee can save you lots of hassle! They understand the market trends, are familiar with your target market, and guide you through showings, offers, and negotiations.
Explore Programs
Examining all your options is the best way to secure a loan. Compare your options with USDA, FHA, VA, conventional, and jumbo loans. You should also consider monthly installments to increase your purchasing power.
Get Pre-Approved
Get pre-approved before you start looking for houses. Aim for a high credit score to secure competitive rates, and compare offers from multiple lenders to maximize your leverage. Remember, more budget = better options.
Assess Your Needs
Are you ready to buy a house in Nashville? Check out your financial readiness by evaluating your income and expenses. Evaluate your home affordability range and fix down payments that make home ownership affordable.
Apply Benefits Strategically
Some buyers qualify for multiple layers of assistance, for example, combining down payment help with a competitive-rate mortgage and a “Hero” program if you’re a teacher, healthcare worker, or veteran.
Get Pre-Approved Via an Approved Lender
To access programs like THDA’s Great Choice, you’ll need to work with an approved lending partner. These lenders are familiar with local and state-level offerings and can help guide you through the paperwork without delays.
Take Required Course
Most first-time buyer programs require a certification. It’s usually a one-day class or a self-paced online course, and it helps you understand the ins and outs of mortgages, budgeting, and what to expect during the home-buying process.
Get Help with Down Payment
Tennessee Housing Development Agency (THDA) and other agencies offer grants or second mortgages that can help reduce your out-of-pocket costs. Some loans are even forgivable after a few years of ownership. Choose wisely.
Check Eligibility Requirements
These programs often have specific requirements based on income, credit score, and purchase price limits, which can vary by county. Before you dive in, double-check that you meet the criteria for the programs you’re considering.
Explore Available Programs
Start by exploring Nashville Tennessee-specific and federal programs designed for first-time home buyers. Your options include THDA’s Great Choice Loan, HFA Advantage, as well as VA or USDA loans for eligible individuals.
Skipping Final Walkthrough
Even if everything looks good on paper, a last-minute check can be a life and cost saver. It helps uncover damage, missing fixtures, or issues that need to be addressed before you sign the dotted line.
Mortgage Rate Lock
Rates can rise between the offer and closing. If you don’t lock your rate in time, you could end up with a higher monthly payment than expected. Ensure you’re locked in with one rate before finalizing the deal.
Emotions Over Logic
Falling in love with the perfect property is natural, but don’t let it cloud your judgment. Bidding wars can lead to setbacks in the purchase process. Know your budget and choose within the range when you go for a home visit.
Research Your Neighborhood
Finding the perfect house isn’t enough. Research local schools, crime rates, commute times, and HOA rules before making an offer. The area impacts your daily life more than you think. Research your neighborhood well.
Don’t Overlook Costs
Your mortgage payment is just a part of home ownership. Don’t forget to include property taxes, insurance, utilities, and ongoing maintenance. These hidden costs add up fast. Remember, monthly cost ≠mortgage only.
Skipping Mortgage Pre-Approval
Without pre-approval, you’re risking looking for homes outside your budget. Not to forget, you may appear unserious to sellers in a competitive market. Therefore, ensure you secure a pre-approval before searching for properties.
Close with Confidence
Do a final walkthrough to confirm the home’s condition. Inspect the attic, roof, and pipeline. Once satisfied, sign closing documents, finalize your financing, and collect the keys to your new home.
Inspect & Appraise
Schedule a home inspection and lender-required appraisal. Review results carefully and negotiate repairs or price adjustments as needed. Careful inspections can save you a significant amount of money upfront.
Make Smart Offer
Do your research! Always combine market data and your realtor’s input before submitting an offer. Ensure you’ve examined timelines and flexibility based on seller motivation. Pre-planning = Better purchase.
Start Touring Properties
Create a focused shortlist that aligns with your specific needs and requirements. Visit homes in person to gain a deeper understanding of the layout, location, and community. Proper home inspection = saved costs.
Hire Local Agent
Always hire a local real estate agent who is familiar with the area.A knowledgeable real estate agent brings off-market insights, negotiation experience, and step-by-step support
Get Pre-Qualified
Knowing your approval limit helps narrow your search and makes you a serious buyer. Getting pre-qualified before house hunting strengthens your position and sets realistic expectations during property inspections.
Plan Your Costs
Estimate in property taxes, homeowners’ insurance, private mortgage insurance (PMI), and closing costs. Set a separate fund for post-move repairs or furnishing needs to ensure required renovations are met before it’s too late.
Compare Loan Products
Look beyond the rate. Evaluate 15 vs. 30-year terms, fixed vs. ARM options, and loan types like FHA, VA, or USDA to find the best fit for your finances. Higher tenure increases the interest rate, whereas short-term reduces it.
Improve Credit Health
Your credit score affects your mortgage rate. Pay down debts, fix report errors, and avoid taking on new credit to increase approval chances and reduce costs. A healthy score of 740 or higher minimizes the interest rate.
Build Emergency Reserve
Set aside 2–3 months’ worth of living expenses before buying a house in Nashville. This buffer helps cover surprise repairs or income gaps after you move in. Emergency reserves also enable you to manage unforeseen circumstances.
Save for Down Payment
Most loans require a down payment of between 3% and 20%. Explore low-down-payment options if needed, and start building your savings early to reduce your loan amount and monthly costs.
Track Income vs. Expenses
Know precisely what you bring in and where it goes. This helps you calculate how much home you can comfortably afford each month, without stretching your budget too thin.
Let’s Simplify Your Nashville Home Buying Experience Today
Do you have questions on how to buy a home in Nashville, Tennessee? Or need help with the steps? Connect with our real estate agents for a detailed walk-through today. Let’s simplify your home ownership experience.
+1(615)916-9961
What Our Clients Are Saying?
Check out what our customers have to say about their experience with Zivak Realty Group.
karen hopper
Bo sold our condo for us in Nashville. He went above and beyond to get it on the market as it had some issues. He was diligent, responsible and always kept us informed. Grateful!!
Mark Roeder
Bo was my realtor for my Rhythm Condo on Music Row. His service was excellent, and his attention to detail unmatched. He’s a Nashville native, so he knows the market and the neighborhoods. I’d greatly recommend Bo for your real estate needs. He’s one of the ...
Milica Djurdjevic
Bo was seriously amazing during my home search. Not only was it the craziest market I have ever seen, and in a very competitive Nashville market…(5+ offers on every home we looked at a minimum, and most of them cash offers), but he also was very attentive, knowledgeable, and encouraging ...
Alexandra Clark
Bo went above and beyond to find us a house. He worked with our schedule, was so good with our son when he had to tag along. He drove North, South, East, and West, sometimes an hour or more, just to find us a house!
Miso Hrgota
My wife and I needed to find a house asap with 2 dogs and a baby. Bo was always on top of things, answered our many questions, and helped us navigate the home buying process seamlessly. I cant say enough good things about him and would recommend them to anyone ...
Dani Morio
I have had the pleasure of working with Bo two different times now. He helped me facilitate the purchase of my first house. Then four years later helped me sell that house and buy my dream house! Both times I thought I gave him a near possible task with very ...
Ketul Patel
Bo is very enthusiastic person. Great Service to his clients.
Mina Radovic
Bo is the best of the best! He goes the extra mile to make sure that you get the home you want.
Dario Kebara
Highly recommended for your real estate needs. Bo will find the best place for you for the best price!
Abeda Alamri
We LOVE our new house! Bo was able to find exactly what we needed and help us win a multiple offer situation without overpaying for the house. We will never use another agent!
Frequently Asked Questions
We’ve answered some of the most common questions our clients have about buying, selling, and working with Zivak Realty Group.
Didn’t Find What You’re Looking For?
Get in TouchWhat steps should I take to buy a home in Nashville, Tennessee?
There are multiple steps involved when buying a house in Nashville, Tennessee. Start by analyzing your finances to understand how much loan you need. Next, get pre-approved for a mortgage before you start looking for houses. Once done, it’s time to take your agent’s help in locking the house by making an offer, negotiating the terms, and guiding the closing process.
How much do I need for a down payment and closing costs?
Your down payment will be directly proportional to the type of loan. Home buyers are generally required to put between 3% and 20% of the home’s price. Additionally, it’s smart to plan for your closing costs beforehand (typically 2% to 5%). It’s a good idea to get a ballpark estimate early so you’re not caught off guard later.
How do I get pre-approved for a mortgage in Nashville, Tennessee?
Pre-approval begins with completing a loan application and providing documents such as pay stubs, bank statements, and credit information. A lender will review everything and provide you with a pre-approval letter, which demonstrates to sellers that you’re financially ready to buy. It’s one of the smartest moves you can make before touring homes.
What are the best and most affordable neighborhoods in Nashville?
Nashville, Tennessee is a welcoming city with numerous neighborhoods. However, finding the most affordable and best depends on your unique requirements. If you prioritize school districts, areas like Donelson, Madison, and Antioch could be a good option. Similarly, if you're looking for upscale living, consider neighborhoods like Sylvan Park and The Nations. Have other unique requirements? Ensure you pass the message to your real estate agent.
What hidden costs should I plan for when buying a house in Nashville, Tennessee?
Beyond the sale price, there are several standard extras to budget for, including the home inspection, appraisal, property taxes, homeowners' insurance, and possibly some immediate repairs. It’s smart to set aside a little cushion for the unexpected, just in case.
Are there down payment assistance or first-time buyer programs in Tennessee?
Yes, Tennessee has multiple programs for payment assistance and first-time home owners. Programs like THDA (Tennessee Housing Development Agency) and others offer grants or low-interest loans to improve your down payment and closing costs. However, most programs are focused on first-time buyers.
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