COMING SOON in Oak Hill Townhomes

We have a beautiful Townhouse coming on the market in the next 2 weeks! It is located in the Oak Hill neighborhood in Nashville. It is 1645 sqft, 3 bedrooms, and 2 1/2 baths. For more info on this beautiful home, call us today.

Joshua Smith

Principal Broker of Dream Homes

(615) 885-9000 office

(615) 519-2538 cell

DOCUMENTS NEEDED FOR A GOOD SOLID PRE APPROVAL

Smyrna's Depot Days

Smyrna Tennessee's 10 Annual Depot Days is this Friday & Saturday! It is an event that the whole family can enjoy. On Friday is runs from 6pm to 9pm & Saturday from 10am to 4pm. We hope to see everyone out there!

Joshua Smith

Dream Homes

(615) 885-9000

THINGS TO DO BEFORE YOU MOVE

Moving day is a very stressful day for most. Trying to remember all the things that need to be done. One of the most forgotten things is to let everyone know your new address! What I mean by everyone, is people like doctors, vets, banks, insurance agents, lawn care services, laundry services, etc. These are people that may need to send you important documents. One way to do make sure you receive these things at first is to change your forwarding address at the post office. This is just a temporary thing, you still need to reach out to everyone and let them know your new address. You also what to make sure you have contacted your utility companies to get services turn on at your new home and turned off at the home you are leaving. No one whats to be without lights and water!

Hopefully this little list will help you when moving day gets here. I have been the stressed out home owner running around on the day of the move, doing these things. Hopefully your REALTOR will send you a few reminders, to help you remember some of these things. Happy House Hunting!!

Joshua B. Smith

Principal Broker of Dream Homes

(615) 885-9000 Office

THE COST OF BUYING A HOME

After years of working with first time home buyers, one thing I have discovered is that people do not really understand the cost of buying a home. There are several things that must be paid for up front when buying a home. These cost are going to be different based on the loan and size of the home. Here are a few bullets on different costs.

• Earnest Money: This will vary based on the price of the home. There is not a “set amount” that you have to give. This is money that is usually held by the listing broker, stating that you will not just walk away from the contract for no reason, other than what the contract says you can. It is like a good faith promise. At closing this money will be credited back to you.
• Home Inspection: As a REALTOR® I will highly recommend that you get a home inspection. This is something that is not required, but recommended to protect you. The price for a home inspection varies from the size of the home to what all you want the inspector to look for. You can expect to spend anywhere from $250 to $500. Most of my clients spend around $300. I suggest that you call a few different inspectors and ask questions to see which one might be the best fit for you.
• Termite Inspection: This is a separate inspection from the home inspection. It is required by most lenders. They are looking for wood destroying insects. The cost can range from $35 to $55. This fee can be added to the final closing cost and paid at closing most of the time. If termites are found, a proposal will be sent to the seller to have the home treated.
• Appraisal: This is something that is ordered by the lender to make sure that the home is worth what you are paying for it. Most of my clients pay around $400 for their appraisals. This cost will vary based on the price/size of the home. This is also paid upfront to the lender before they order the appraisal.

These are just a few of the basic things that you can expect to pay upfront when buying a home. Of course you will have the down payment & closing cost that will be due at the time of closing. Other things can come up, well inspections, septic inspections, etc. Your REALTOR® or Lender will be able to help you through the process.

Joshua B. Smith

Principal Broker of Dream Homes

615-885-9000

Where To Start

Where To Start

Happy New Year!