Get Your Dream Home

YOUR MIDDLE TENNESSEE REAL ESTATE PROFESSIONAL

10 TIPS FOR MAKING A WISE REAL ESTATE PURCHASE (AND HOW I WILL HELP):

Budget first. Decide on what you can realistically afford to spend on your housing expense before you get your heart set on a property. The last thing you want is to fall in love with a home that is out of your price range, or even worse, sign a mortgage on a property that is beyond what you want to spend, even if the bank approves that amount. Not knowing what you are comfortable spending on housing can lead to disappointment, stress, and even financial disaster. Get your Middle Tennessee home purchase off to a good start by knowing how much home you can afford and sticking to that. From Murfreesboro to Nashville, Smyrna to Christiana, there’s a home out there for every budget!

  • I won’t push you to spend beyond your budget.
  • I will help you find the right home for you within your budget and other needs.
  • When we are considering homes, I will always share my analysis and opinion of the property and list price, and I will tell you if I think it is overpriced.

Know where you stand with lenders. There are some excellent local mortgage lenders who know the local markets in Rutherford, Davidson, Williamson, Wilson, and surrounding Tennessee counties. Lenders will look at your credit score, work history, down payment, and other factors when making a lending decision. They will consider your debt to income ratio, and will generally allow for 28% of your monthly gross (before taxes and other withholding) income for housing expenses, and a maximum of 36% of your monthly gross income for all debt. If your household’s gross monthly income is $5,000, the lender would allow $1,400 for total housing payments (principle, interest, and insurance) and $1,800 for total debt payments, including housing.

  • I will recommend several lenders who will offer the best products for your personal situation.
  • As with all of my recommendations, I have no affiliation with any of the professionals that I recommend. I receive nothing in exchange for making referrals to mortgage lenders, inspectors, builders, etc. You can rest assured that when I recommend someone, it is only in your best interest and because I believe that they are the right person for the job.
  • I will direct you to credit reporting resources and advise you on ways to enter the homebuying market wisely, without unnecessarily doing damage to your credit.

Understand your financing options. Most people finance their real estate purchases, so explore your financing options. Whether low monthly payments, low money down, or a quick payoff are your goals, there is a product out there for you. Shop around for a mortgage – there are lots of options.

  • I will help you find a banker or mortgage broker who can help.
  • My first recommendations will be local lenders – someone here in Middle TN that you can meet with face to face and who will be there to help get you the right financing for your dream home.

Get pre-approved before you start shopping. This puts you in a very strong position as a buyer by reassuring sellers that you have the financial resources already lined up to purchase their home. This also keeps you on track by shopping for houses that are within your budget – meaning that we make the best use of our time in working to find a home that is suitable for you.

  • I am serious about finding you a home – and I want to know that we are spending our time wisely.
  • I will direct you to lenders who can provide you with a pre-approval letter.
  • I will work with your lender so that we can present the strongest offers possible.

Know what you want and what you need. Some features are non-negotiable; other features may be so attractive that we would be willing to make compromises in other areas just to get what we want. Do you want 4 bedrooms but would settle for 3 if the neighborhood were more convenient? Do you absolutely need a 3-car garage, or would a 2-car and extra parking work if the home also had a “man cave”? Is a fenced in yard an option, or a must?

  • I will find the home of your dreams if it is anywhere in Middle Tennessee, as long as I know what that looks like.
  • I will ask questions and get to know your wants and needs, and I will show you the houses that meet your needs.

Contact Aaron Lovett, your Middle Tennessee Realtor®, to get started.

Know the market. This is another area where I can really help you. “The market” is local – even down to the neighborhood – so understanding the market value of a property requires understanding what properties in the area have been selling for in recent weeks.

  • I will always negotiate according to your best interests and instructions.
  • I will teach you about the local buying and selling trends, how quickly things are moving, and how best to approach and negotiate with local sellers.
  • I will help you understand the local real estate market. Smyrna, Murfreesboro, Brentwood, Franklin – each has its own style and feel.

Spy out the area. Use your own eyes and ears to get to know the areas that you are interested in. Drive through at times that are critical to you. Does your regular commute put you on the road at a certain time? Make the drive from the neighborhood you are considering at that time. Do you expect things to be quiet in the evenings? Check it out in the evenings.

  • I will give you my professional opinion of the neighborhood, but no one can know better than you do whether or not the area is a good fit for your needs.

Ignore the “Zestimate”. Websites that offer estimates of property values are never going to be as accurate as a personally prepared CMA – Comparative Market Analysis – prepared by a real estate professional who knows the local market. Don’t believe me? Take a look at this Wall Street Journal article: “How Accurate is Zillow’s Zestimate? Not Very…” and my blog posts on the Zestimate accuracy in Middle TN.

  • I will research and recommend a price range to offer for the home you have your sights on.
  • My advice will take into account the most recent sales in the neighborhood, the trends in the area, the features and current condition of the property, the other homes on the market – all things that are ignored by estimate websites.

Get an inspection. A home inspection can reveal defects or issues with a home that might otherwise have gone unnoticed. Why wouldn’t you want an eagle-eyed and unbiased inspector to alert you to any issues of a property before you commit to buying it? The money you pay for an inspection might save you much more in surprises, repairs, or in negotiated savings later on.

  • I will point out any potential issues that I notice.
  • I will recommend a professional home inspector to check out the property from top to bottom.
  • I will recommend a contractor to review the distressed properties in obvious disrepair
  • I will do a “hands on” review of the inspection report and/or the contractor's report with you

Don’t procrastinate. Mortgage rates remain near all-time lows. In the Middle Tennessee area, home inventory is also very low. New houses are coming on the market every day, but they go quickly. Offers are often being submitted within days of a house going on the market. This means that if you find a home you like, it might be sold if you wait to put in your offer. When interest rates rise, you may find that you can no longer afford as much house as you could when interest rates were lower.

  • I will help you find your dream home – so let’s get started!

Contact Aaron Lovett, your Middle Tennessee Realtor®, to get started.

For more information, see:

The information on this website is for the education of my clients and customers, and is believed to be up-to-date, accurate, and reliable. Statements and opinions are for information purposes only, and are not legal, financial, or medical advice.

As your licensed real estate professional, I will give you the information and advice that you need.  I cannot make decisions for you, but I can and will do my best to help you make informed decisions.

Real Reviews

From Our Clients

Recent Sales

We get your home SOLD!
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1006 Avery Park Dr Smyrna TN 37167 FOR SALE

You need to see this beautiful 3 bedroom 2 bath one-level home in Lenox of Read More
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106 Jeremiah Ct Rockvale TN 37153 SOLD

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1554 North Side Dr Murfreesboro TN SOLD

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5614 Glenalden Dr Smyrna TN twilight view

5614 Glenalden Dr Smyrna TN 37167 SOLD!

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Why is this one of my favorites? Because it's a castle. And the king and queen of this castle are wonderful people! 105 Rockingham Dr Murfreesboro TN

105 Rockingham Dr Murfreesboro TN 37129 SOLD

Clint and Rachel were looking for the perfect place for their family to call home. Read More
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7229 Bidwell Rd Joelton TN 37080 SOLD!

The renovated home and professional recording studio features an open layout finished with granite, stone, Read More
440 Snow White Wartrace TN 37183

440 Snow White Prince Ln Wartrace TN 37183 SOLD

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1009 Cascadeway Dr, Murfreesboro SOLD!

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When Clint decided to sell his home at 2179 Veranda Pl in Murfreesboro, he knew who to call.

2179 Veranda Place Murfreesboro TN 37130 SOLD!

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1107 Taylor Place Murfreesboro TN 37129 SOLD

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4715 Abbay Dr Nashville TN 37211 SOLD!

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My buyers were shopping from CA. Between video tours, calls, and trips to TN, we got it done! 247 Thompson Rd Shelbyville TN

247 Thompson Rd Shelbyville TN 37160 SOLD

When Josh and Debra decided to move from California to Tennessee, they knew they would Read More
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1213 Oak Dr Manchester SOLD

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4958 Edmondson Pike #J-46, Nashville TN 37211 SOLD

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117 Reveille Ct Franklin TN 37064

117 Reveille Court, Franklin TN 37064 SOLD

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2507 Spaulding Circle Murfreesboro TN home for sale 5 bedrooms

2507 Spaulding Cr, Murfreesboro TN 37128 SOLD

2507 SPAULDING CIRCLE, MURFREESBORO TN 37128 SOLD!  This fully renovated home in quiet Countryside subdivision features 5 Read More
323 Stewarts Landing Circle Smyrna TN 37167

323 Stewarts Landing Cr Smyrna TN 37167 SOLD

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5444 George Franklin Rd Smyrna TN 37167 SOLD

5444 GEORGE FRANKLIN RD, SMYRNA TN 37167 SOLD! This great Smyrna home has sold, but check Read More
109 Griswold Ct Smyrna TN 37167

109 Griswold Ct Smyrna TN 37167 SOLD

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129 Hartmann Crossing Drive Lebanon TN 37087 SOLD

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130 Bailey Collins Dr Smyrna TN 37167 SOLD

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1858 James Dr, Murfreesboro TN 37129 SOLD!

Love the home you choose! This spacious 2790+ sqft one-level home features all brick construction, Read More
722 Eaglesham Dr Christiana TN 37037

722 Eaglesham Dr, Christiana TN 37037 SOLD!

Step inside and fall in love with this adorable Christiana home for sale. It has Read More
Ted and Amanda were grateful to find just the right buyer for their home at 419 Alydar Dr in Watertown.

419 Alydar Dr, Watertown TN 37184 SOLD!

This beautiful home has a walk-out basement and gorgeous views! Would you love a spacious Read More
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711 Rock Glen Trace Smyrna TN 37167 SOLD!

This great Smyrna home is ready for you! This 3-bedroom has a great lower-level bonus Read More
When it was time for this local medic to sell her home and upgrade, I was happy to help and get her a Homes for Heroes rebate!

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686 Baker Rd Smyrna TN 37167 SOLD!

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Land for sale – UNRESTRICTED!  Build your dream home or develop this commercially.   “Buy land, Read More
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22 acre tract John Bragg Hwy Readyville TN 37149 SOLD!

Land for sale in Rutherford County, TN!  Build your dream home just outside of Murfreesboro, Read More
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8124 Cooper Dr Murfreesboro TN 37129 SOLD!

What is your favorite thing about this beautifully renovated 3-bedroom home?   Solid surface laminate and Read More
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3330 Dizzy Dean Dr Murfreesboro TN 37128 SOLD!

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202 Ross Dr Smyrna TN 37167 SOLD!

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209 Ashmont Ln Smyrna TN 37167 SOLD!

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203 Center St LaVergne TN 37086 SOLD!

COMMENTS Sit by the fireplace or enjoy the gorgeous yard from the large deck. Vaulted Read More
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SOLD! Land for Sale! 11 Acres near Murfreesboro

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Yudel bought a great investment property at 113 Bailey Collins Dr

SOLD! 3 Bedroom Smyrna home!

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Michael and Rachel sold their home at 168 Sullivan Trail in La Vergne TN for far more than they expected.

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I called someone I knew would love this one. As soon as she walked in, she made plans to put her home on the market and buy this very cool custom home. 5040 Old Nashville Hwy Murfreesboro TN

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Is this the prettiest home in Westfork? Enjoy spacious living areas, eat-in kitchen with birch Read More

Do you have a Home or
Property in Middle Tennessee to sell?

Contact Aaron Lovett, Real Estate Professional to discuss your
options and find out what your property is worth today!

I’m Ready!

Do you have a Home or
Property in Middle Tennesseeto sell?

Contact Aaron Lovett Realtor to discuss your
options and find out what your property is worth today!

I’m Ready!