Find First-Time Home Buyer Specialists in Columbia, TN
Compare first-time home buyer specialists in Columbia. Review contact information and insurance categorys before you decide.
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State Mortgage Licensing Authority of Tennessee before hiring.
Showing 13 first-time home buyer specialists in Columbia, TN
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A first-time home buyer specialist in Columbia Tennessee can guide you through the unique challenges of purchasing your first home. Tennessee offers specific down payment assistance programs through the Tennessee Housing Development Agency THDA. Local specialists understand Maury County market conditions and can help you navigate TN first-time buyer requirements.
What Does a First-Time Home Buyer Specialist in Columbia Cost?
Typical costs for a first-time home buyer specialist in Columbia Tennessee vary. Real estate agent commissions are usually paid by the seller and range from 5 to 6 percent of the purchase price. Mortgage origination fees often range from 0.5 to 1 percent of the loan amount. Down payment assistance programs may have application fees around 200 to 500 dollars. Closing costs in Tennessee typically total 2 to 5 percent of the home price. This is general information and not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What is a first-time home buyer specialist in Columbia?
A first-time home buyer specialist is a real estate agent or mortgage professional who focuses on helping people buy their first home. They understand Tennessee specific programs like the THDA Great Choice loan and know local Columbia neighborhoods and market trends.
What Tennessee programs help first-time buyers in Columbia?
Tennessee offers the THDA Great Choice loan which provides a fixed rate mortgage with down payment assistance up to 6 percent of the loan amount. The program requires a minimum credit score of 640 and completion of a home buyer education course. Local Columbia lenders may also offer FHA and USDA loans.
What documents do I need as a first-time buyer in Tennessee?
You typically need two years of tax returns, recent pay stubs, bank statements, and a valid photo ID. Tennessee law requires a home inspection and a property survey for most purchases. Your specialist will help you gather all required paperwork.