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Figuring out how much to spend on a house can be hard when you have a sea of houses to choose from. But no need to fret! As your local mortgage professional, Steadfast Mortgage can guide you through the quest for homeownership.

How to Use DTI to Calculate Home Affordability

First things first, let's talk about Debt-to-Income Ratio (DTI). DTI helps us mortgage professionals determine how much house you can afford. Think of it as a comparison between the money you earn and the money you spend. We're talking about your recurring expenses like housing costs, car payments, student loans, and credit card debt. After crunching the numbers, we'll get a DTI percentage.

Here's what that might look like. Let's say you earn $2,000 a month, and your

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Looking for luxury in Westhaven? This prestigious Westhaven home has been beautifully updated with designer touches and offers amazing views on a corner lot!

Built by Legend Homes, this home features tons of living and entertainment space, a long list of updates, an elevator, primary suites on the first and second floor, and three fireplaces. The home also includes over 1000 sqft of porches, a gourmet kitchen, 16ft ceilings on main, a screened porch with a fireplace, a built-in audio system, and much more. You have to see this beauty in person!

Listed by Kelly Dougherty

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When it comes to tipping the scales in your favor in homebuying, negotiating the asking price is often the first item on the list. But did you know that there are other things you can negotiate with the seller for your benefit?

What's even better is that these items can often be negotiated even in a seller's market!

And when you combine it with a competitive mortgage rate with us **wink wink**, you'll be well on your way to saving thousands and making your home-buying experience work an awesome and affordable one.

1.) Closing costs: Closing costs can include a variety of fees, such as appraisal fees, title insurance, and attorney fees. Buyers can negotiate with the seller to pay some or all of these costs or ask for a credit to offset the

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Middle Tennessee residents and visitors, listen up: it’s time to prepare to beat the scorching summer heat in the coolest, most enjoyable way possible – by hitting the best water parks in Tennessee! These aquatic sanctuaries are a great way for the whole family to stay active and have fun during the warmest months of the year.

Dive into adventures large and small on water slides that twist and turn, in peaceful wave pools that bring the beach to you, and down lazy rivers that evoke memories of childhood days spent floating on quiet waterways. Your small children can spend hours bouncing through splash pads and paddling in safe, shallow pools while vigilant lifeguards stand watch.

Gather your swimwear, slather on some high-SPF sunscreen, and

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Resting in Brentwood's highly sought-after Annandale neighborhood, this exquisite Mediterranean gem blends proximity to Nashville with Williamson County's charm, excellent schools, and lower tax rates!

This luxurious custom-built home features tons of living and entertainment space and new designer updates throughout. The gourmet kitchen offers top appliances, custom cabinetry, and a large island for unforgettable gatherings. The primary suite is a tranquil haven with a sitting area, a spa-like bathroom, and dual walk-in closets. Set on a picturesque acre lot, this property allows you to enjoy a fenced-in backyard with room for a pool. With 11' ceilings, a theater room, a four-car garage, and premium finishes, this home has it all!

Listed

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Middle Tennessee is a cornucopia of gorgeous produce, all of which is available at the farmers markets that are now open throughout the region. Additionally, local artisans will be present, selling their wares crafted from these same delicious farms and dairies. Due to the perennial popularity of each of these markets, we do encourage you to arrive as early as possible to lock down parking and have your pick of the best produce and products available at your neighborhood market.

While most vendors now accept cards and other forms of electronic payment, it’s still a good idea to bring cash as a backup. It can be a bit of a letdown to find just the item you’ve been looking for only to discover your card isn’t accepted at a particular cash-only

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How is the market? It’s a question our agents get asked a lot, and for good reason. If you’re considering buying a new home or selling one that you already own, market trends and predictions are important in the decision-making process. Below is our most recent market update information for Davidson, Maury, Rutherford, Sumner, Williamson, Wilson, Bedford, Coffee, Dekalb, Robertson, and Montgomery counties to help you make the most informed and beneficial choices possible.

 

 

See the Previous Month's Stats!

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Located in the beloved Westhaven Community, this renovated home feels like a slice of historic Franklin!

This home offers a traditional and sprawling layout with a charming yet grand way about it. The large added windows provide beautiful light throughout the entire home. A fun/fresh mix of old and new create a calm welcome the moment you arrive at the door. The show-stopping kitchen was built for gatherings around the island with a large classic dining room, butler's pantry, and wet bar. The home includes clean, natural palettes with gorgeous tile, marble, brick, and designer selections. On the exterior, the multiple outdoor spaces offer peaceful respites. This home also has great storage and closet spaces. Best of all, the property is close to

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Even just a decade ago, smart home technology was popular only among early adopters, most of whom were quite tech-savvy. Compare that to today, with Parks Associates reporting that their survey of 10,000 homes in the US found 38% of households own at least one smart home device, and it’s clear that we are headed toward automated and tech-enhanced homes.

Take TikTok, for example, where “smart home” dominates the home-renovation trend, garnering more than four billion views! The second-most-popular term, “enhanced outdoor spaces” pulled in a mere 270,000 views.

Despite the increasing popularity of smart home technology, it’s still worth taking your time to decide whether you want to purchase a specific device or appliance. Data privacy still

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Located in the desirable Stephens Valley community, this stunning home offers incredibly sleek designs, modern fixtures, polished finishes, and a spacious open-concept floor plan!

Built by Legend Homes, this home features a kitchen that opens up to a bright and airy living room and dining room. The private and secluded recreation room on the second level has its own full bathroom and can be used as you see fit. The covered back porch includes a gorgeous gas fireplace and leads to an additional back patio creating a lovely outdoor living and entertaining space. This home is lovely!

Listed by Lisa Culp Taylor - LCT Team

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