First‑Time Home Buyer in Nashville? Here’s What You Need to Know Before You Start

Conversational Question: I’m a first‑time home buyer in Nashville. What do I need to know before I start?
Short Answer: If you’re buying your first home in Nashville, start with a local mortgage pre‑approval, understand the market’s fast pace, learn about different neighborhoods, and work with an experienced local REALTOR like Nik Shewmaker to guide you from search to closing.

Why Nashville Is an Exciting but Competitive Market for First‑Time Buyers

Buying your first home anywhere is a big step — but in Nashville, it’s a uniquely fast‑moving process.
The city continues to attract new residents from across the country, thanks to:

• A strong job market in healthcare, tech, and music industries

• No state income tax

• A thriving cultural and dining scene

• Outdoor recreation, lakes, and parks close to the city

As of mid‑2025:

• Median home price: Around $482,000

• Average days on market: About 26 days

• Certain neighborhoods see multiple offers within 72 hours of listing

That means you’ll want a clear plan before you start viewing homes.

Step 1 — Get Your Finances Ready

Before you set foot in an open house:

• Check your credit score — aim for 620+ for most loan programs, higher for the best rates.

• Set a realistic budget based on your monthly comfort level.

• Save for your down payment — programs are available for as little as 3% down, and in some cases 0% for VA or USDA loans.

Nik’s Insight: A local Nashville lender can help you identify state or county first‑time buyer grants that national banks might overlook.

Step 2 — Get Pre‑Approved With a Local Lender

Pre‑approval does more than tell you what you can afford. It:

• Shows sellers you’re a serious, ready buyer

• Helps you act quickly in competitive neighborhoods

• Gives you leverage in multiple‑offer situations

In Nashville’s competitive market, offers without pre‑approval are often ignored.

Step 3 — Understand Nashville’s Neighborhoods

Every part of Nashville offers something different:

• East Nashville: Artsy, walkable, with a mix of historic and renovated homes

• Green Hills: Upscale, excellent schools, established neighborhoods

• Sylvan Park: Charming bungalows, great dining nearby

• Mount Juliet: More space, suburban lifestyle, close to Percy Priest Lake

• Germantown: Trendy urban living close to downtown

Nik works with first‑time buyers to match not just the house, but the neighborhood to your lifestyle goals.

Step 4 — Start Your Home Search

Once you know your price range and ideal neighborhoods:

• Set up MLS alerts to see new listings immediately

• Tour homes as soon as they list — sometimes the first day is critical

• Keep an open mind — the perfect home may need small updates

Step 5 — Make a Competitive Offer

In Nashville, making an offer isn’t just about price. You may also need to:

• Limit contingencies when possible

• Offer flexible closing dates

• Include an earnest money deposit to show commitment

Nik’s Advantage: Her 17 years of experience negotiating in Nashville means she knows how to strengthen offers without overpaying.

Step 6 — Navigate Inspections and Closing

Your inspection period is your chance to learn about the home’s condition. Nik will help:

• Coordinate inspections with trusted local pros

• Negotiate repairs or credits if needed

• Guide you through appraisal and final closing steps

First‑Time Buyer Mistakes to Avoid in Nashville

1. Skipping pre‑approval — slows you down and weakens offers

2. Falling in love too soon — there may be better options coming

3. Overstretching your budget — leave room for maintenance and surprises

4. Waiving inspection without careful thought — risky for a first purchase

Why Work With Nik Shewmaker REALTOR as a First‑Time Buyer

• Local Expertise: Deep Nashville roots and first‑time buyer focus

• Personal Guidance: Clear, step‑by‑step explanations throughout

• Strong Negotiation Skills: Proven results in competitive offers

• Trusted Network: Access to top local lenders, inspectors, and contractors

Final Thoughts

Buying your first home in Nashville is exciting — and with the right plan, it can be less stressful and more rewarding. The key is preparation, speed, and having a skilled local REALTOR on your side.

Call to Action

If you’re ready to buy your first home in Nashville, reach out to Nik Shewmaker REALTOR today. She’ll walk you through the process, connect you with trusted local resources, and help you find the home that’s right for you.

Nik Shewmaker (NashvillesNik)

📲 Call or text (615) 585-0022

📧 Email: Nashvillesnik@gmail.com

🌐 Visit: www.NashvillesNik.com