The Step-by-Step Homebuying Process in Tennessee (2025 Update)

Buying a home is one of life’s biggest milestones — but if you’ve never done it before, it can feel like a maze of steps, paperwork, and decisions. The good news? With the right guidance, it doesn’t have to be complicated.

Here’s a simple breakdown of the homebuying process in Tennessee — updated for 2025 — so you can start your journey with confidence.

1. Get Pre-Approved for a Mortgage 🏦

Before you fall in love with a house, talk to a lender and get pre-approved. This shows sellers you’re serious and gives you a clear picture of your budget.

✅ Tip: Pre-approval is different from pre-qualification — it means your finances have been verified.

2. Find the Right Realtor 🏡

Your agent will guide you through listings, showings, and negotiations. The best agents don’t just find homes — they help you avoid costly mistakes and make informed decisions.

✅ Pro Tip: Work with a local agent who knows the area well. They’ll know about off-market listings, pricing trends, and community differences.

3. Start House Hunting 🔑

Once you know your budget, your agent will set up showings that match your goals. Be sure to think about location, commute times, schools, and resale value — not just what’s inside the house.

4. Make an Offer ✍️

When you find “the one,” your Realtor will help you write a strong offer that fits your budget and stands out to sellers.

✅ Offers include your price, closing date, contingencies, and deposit amount.

5. Schedule Inspections and Appraisals 🔍

After your offer is accepted, the home will go through an inspection and appraisal.

• The inspection helps you identify any needed repairs.

• The appraisal ensures the home’s value matches your loan amount.

If anything comes up, your agent will help you negotiate solutions.

6. Finalize Financing 💰

Your lender will finalize your mortgage details and lock in your interest rate. You’ll sign final loan documents and verify that everything is accurate before closing.

7. Closing Day 🥳

Congratulations — it’s time to get your keys!

You’ll sign the final paperwork, transfer funds, and officially become a homeowner. Don’t forget to take that front porch photo — you’ve earned it.

FAQ: Buying a Home in Tennessee

How long does the homebuying process take?

On average, about 30–45 days from offer to closing, depending on financing and inspections.

Do I need a Realtor to buy a home in Tennessee?

While not legally required, working with a licensed Realtor protects your interests and simplifies every step of the process.

What credit score do I need to buy a home?

Most lenders prefer a score of 620 or higher, but some loan programs allow lower with additional verification.

Final Thoughts

Buying a home in Tennessee should feel exciting — not stressful. By following these steps and working with an experienced local Realtor, you can make confident decisions and enjoy the process from start to finish.

If you’re ready to begin your home search, reach out to one of our featured Wilson County REALTORS® who can walk you through every step of the way.