Get Your Dream Home



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!

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

106 Jeremiah Ct Rockvale TN 37153 SOLD

Don’t miss this newly renovated home just outside of Murfreesboro! The spacious 3 bedroom 2 Read More

205 Sherrilltown Rd Watertown home SOLD

Dream home alert! This one of a kind property has never before been offered for Read More

1554 North Side Dr Murfreesboro TN SOLD

My clients were ecstatic to close on this beautiful home in a lovely setting. We Read More
5614 Glenalden Dr Smyrna TN twilight view

5614 Glenalden Dr Smyrna TN 37167 SOLD!

Have you seen this beautiful home? This spacious 3025 sqft 4-bedroom Smyrna home for sale Read More
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

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

THE VIEWS!  This 15+ acre estate is situated on a private drive with breathtaking views Read More

1009 Cascadeway Dr, Murfreesboro SOLD!

Do you love a spacious all-brick home? This gorgeous 1-owner home has 2 master suites Read More
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!

This is it! All-brick showcase home in a gated community! Master down | master up Read More

1107 Taylor Place Murfreesboro TN 37129 SOLD

The seller put his heart into bringing this classic home into the modern age. And Read More

4715 Abbay Dr Nashville TN 37211 SOLD!

What do you think about the wall of windows, the big kitchen, and the beautiful Read More
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

1213 Oak Dr Manchester SOLD

beautifully renovated classic home in the heart of Manchester! $0 down USDA RD eligible! This Read More

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

4958 Edmondson Pike #J-46, Nashville TN 37211 SOLD You will fall in love with this Read More
117 Reveille Ct Franklin TN 37064

117 Reveille Court, Franklin TN 37064 SOLD

Is this the one? This renovated home is just minutes from downtown Franklin and I-65. Read More
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

Renovated townhome in desirable Stewarts Landing! This beautiful all-brick townhome features a spacious open floor Read More

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

We love this beautiful all-brick home in the heart of Smyrna! The location is ideal Read More

129 Hartmann Crossing Drive Lebanon TN 37087 SOLD

Spacious home and corner lot in Hartmann Crossing! This beautiful home features a spacious open Read More

1204 Ben Hill Boulevard Nolensville TN 37135 SOLD!

Like New in McFarlin Pointe! This home was made for entertaining. Custom built in 2019, Read More

4912 Lee Road Smyrna TN 37167 SOLD

All Brick Smyrna Home on 3+ acres Is this your new home? This all-brick home Read More

130 Bailey Collins Dr Smyrna TN 37167 SOLD

RENOVATED 4 BR SMYRNA HOME FOR SALE Would you love a beautifully renovated 4-bedroom home Read More

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

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!

5129 Chippendale Dr, Murfreesboro TN SOLD!

Are you looking for a great home zoned for Blackman Schools? This newly renovated 3-bedroom Read More

686 Baker Rd Smyrna TN 37167 SOLD!

Home sweet home! This beautiful 2017 Smyrna home is practically new! 3 bedrooms, 2 full Read More

18 acre tract John Bragg Hwy Woodbury TN 37190 SOLD!

Land for sale – UNRESTRICTED!  Build your dream home or develop this commercially.   “Buy land, Read More

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

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

3330 Dizzy Dean Dr Murfreesboro TN 37128 SOLD!

This beautiful home features 4 bedrooms plus and office that could be used as a Read More

202 Ross Dr Smyrna TN 37167 SOLD!

Imagine what you could do with this 4 bedroom home for sale in Smyrna TN Read More

209 Ashmont Ln Smyrna TN 37167 SOLD!

What do you think about this Smyrna TN home for sale?  209 Ashmont Ln., Smyrna Read More
LTO renovated this cute home at 203 Center St in La Vergne TN and we found a happy buyer!

203 Center St LaVergne TN 37086 SOLD!

COMMENTS Sit by the fireplace or enjoy the gorgeous yard from the large deck. Vaulted Read More

SOLD! Land for Sale! 11 Acres near Murfreesboro

Yudel bought a great investment property at 113 Bailey Collins Dr

SOLD! 3 Bedroom Smyrna home!

SOLD!  113 BAILEY COLLINS DR., SMYRNA TN 37167 This classic split-level Smyrna home features 3 bedrooms Read More

SOLD! Beautifully Renovated 4 Bedroom Home

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

SOLD! HOME FOR SALE 168 Sullivan Trail LaVergne TN


637 Ferrells Loop Rd Beechgrove TN 37018 SOLD!

Is this it? This spacious custom all-brick home with pool on 5 park-like acres is Read More
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

5040 Old Nashville Hwy Murfreesboro TN 37129 SOLD!

Is this the one you’ve been looking for? Renovated 2021! This custom built all brick Read More

9001 Capshaw St Smyrna TN 37167 SOLD!

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!