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    • Home
    • About Us
      • Meet The Cochran Family
      • Be Informed
      • Contact
      • Join Our Team
    • Meet Our Team
    • Find a Home
      • Search Homes
      • Advanced Home Search
      • First-Time Home Buyers
      • VA Home Buyers
      • Home Buying Expectations
    • Sell a Home
      • Free Home Evaluation
      • Custom Market Report
      • Tennessee Home Sales
      • Marketing Your Home
      • Talk to a Listing Agent
    • Mortgage Lending
    • Title Services

  • Home
  • About Us
    • Meet The Cochran Family
    • Be Informed
    • Contact
    • Join Our Team
  • Meet Our Team
  • Find a Home
    • Search Homes
    • Advanced Home Search
    • First-Time Home Buyers
    • VA Home Buyers
    • Home Buying Expectations
  • Sell a Home
    • Free Home Evaluation
    • Custom Market Report
    • Tennessee Home Sales
    • Marketing Your Home
    • Talk to a Listing Agent
  • Mortgage Lending
  • Title Services

We All Have to Start Somewhere

Helping First-Time Home Buyers: The Buy Tennessee Dirt Team’s Passion

Buying your first home is an exciting milestone, but it can also feel overwhelming. That’s why the Buy Tennessee Dirt Team is passionate about guiding first-time home buyers through every step of the journey. From understanding your options to celebrating on closing day, we’re here to make the process smooth, stress-free, and even fun!

Why We Love Helping First-Time Buyers

As a team rooted in Middle Tennessee, we know how life-changing owning your first home can be. It’s not just about having a place to call your own—it’s about building stability, investing in your future, and creating memories. Helping first-time buyers achieve that dream is at the heart of what we do.

We understand that this process is new for you, and we take pride in being your trusted guides, answering every question and celebrating every win along the way. Seeing the joy and sense of accomplishment on our client’s faces when they receive their keys is what inspires us every day.

What to Expect When Working with Us

A Friendly Introduction

We’ll take the time to get to know you during our initial meeting. What are your goals? What’s your timeline? What’s your budget? This step is all about learning what’s important to you so we can tailor the process to your needs.

Understanding Your Finances

One of the first steps in buying your first home is understanding your financial readiness. We’ll connect you with trusted professionals, like Bryan Johnson at Primis Mortgage, who can help you explore loan options, get preapproved, and understand how much home you can afford. Programs like FHA, VA, or THDA loans might be available to make homeownership even more accessible.

Education Every Step of the Way

We believe knowledge is power. As you work with us, we’ll explain every part of the process—from what’s included in an offer to what happens during a home inspection. No question is too small, and we’re here to empower you with the information you need to make confident decisions.

Searching for Your Dream Home

This is the fun part! We’ll help you identify homes that fit your needs and budget. As local experts in Middle Tennessee, we’ll provide insights into neighborhoods, school districts, and amenities so you can find the perfect fit. Whether you’re looking for a home in Tullahoma, Manchester, or the surrounding areas, we’ve got you covered.

Negotiation and Advocacy

When it’s time to make an offer, our team will be your strongest advocates. We’ll negotiate on your behalf to get you the best deal while protecting your interests. From securing favorable terms to handling counteroffers, we’ll ensure your needs are front and center.

Celebrating Your Success

Closing day is a big deal, and we’re just as excited as you are! Whether it’s snapping a photo with your new keys, hosting a toast to your achievement, or offering advice for your next steps as a homeowner, we’re there to cheer you on.

Why Choose the Buy Tennessee Dirt Team?

Our team is made up of realtors who genuinely care about your success. We’re more than just agents; we’re your neighbors, friends, and biggest supporters. With our deep local knowledge, personalized approach, and dedication to helping you feel confident, you can trust that you’re in great hands.

Plus, our diverse team includes experts with unique backgrounds, from Becca Grider’s deep roots in Tullahoma to Jeanne Chick’s connections in the local Filipino-American community. We’re committed to meeting your unique needs and making you feel right at home in Middle Tennessee.

Ready to Start Your Journey?

If you’re thinking about buying your first home in Middle Tennessee, we’d love to be part of your story. Reach out to the Buy Tennessee Dirt Team today, and let’s make your dream of homeownership a reality. Together, we’ll turn your vision into a place you can truly call home.

Common Myths Among First-Time Home Buyers.

 

  • You Need a 20% Down Payment to Buy a Home
    Many buyers believe this, but there are loan programs that allow for much lower down payments, sometimes as little as 3-5% or even 0% for eligible buyers.
  • You Must Have Perfect Credit
    While good credit helps, many lenders offer programs for buyers with less-than-perfect credit scores.
  • Renting is Always Cheaper Than Buying
    While upfront costs for buying can be higher, owning a home often builds equity and can be more affordable in the long term.
  • You Can’t Buy a Home With Student Loan Debt
    Having student loans doesn’t automatically disqualify you. Lenders look at your overall debt-to-income ratio when evaluating your application.
  • You Should Always Buy the Most Expensive Home You Can Afford
    Stretching your budget can lead to financial stress. It’s important to leave room for maintenance, utilities, and other expenses.
  • You Don’t Need a Real Estate Agent
    A professional agent can help navigate the process, negotiate on your behalf, and ensure you avoid common pitfalls.
  • The Asking Price is Non-Negotiable
    In many cases, you can negotiate the price or request seller concessions, especially in a buyer’s market.
  • The First Offer You Make Will Be Accepted
    It's common for offers to go back and forth several times before reaching an agreement.
  • A Home Inspection Isn’t Necessary
    Skipping an inspection to save money can lead to costly surprises down the road.
  • All Lenders Offer the Same Rates
    Shopping around and comparing lenders can result in better interest rates and loan terms.
  • You Should Wait Until the Market Cools Down
    Timing the market is tricky. It’s often better to buy when you're financially ready rather than waiting for "the perfect time."
  • You’ll Find Your Dream Home Right Away
    Finding the right home can take time, and compromise is often necessary.
  • The Seller Will Fix Everything Before Closing
    Sellers may not agree to fix all issues found in the inspection, so prioritize your requests.

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The Buy Tennessee Dirt Team

707 Kings Lane Tullahoma TN 37388

Direct-629-204-4009 Broker-931-597-0263

Brokered by Southern Middle Realty- Keller Williams

Copyright © 2022 Buy Tennessee Dirt - All Rights Reserved. 

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