✅ 1. Get Pre-Approved for a Mortgage

Before you even start browsing listings on Zillow, it’s essential to understand what you can afford.

“I always tell my first-time buyers—get pre-approved before house hunting. It keeps you focused and competitive,” says Gina.

• Research lenders and mortgage options

• Compare interest rates and loan terms

• Get a pre-approval letter (not just pre-qualification)

• Understand your monthly budget including taxes, insurance, and maintenance

✅ 2. Choose the Right Realtor

A knowledgeable, trustworthy Realtor makes all the difference—especially in a competitive market like Middle Tennessee.

Gina’s approach is all about education and empowerment. “I want my clients to feel confident and informed every step of the way,” she says.

Why Gina Lee?

• Over a decade of experience in the local market

• Specializes in first-time homebuyers

• Deep knowledge of Gallatin, Hendersonville, Portland, and surrounding communities

• Personal, one-on-one guidance

• Trusted network of lenders, inspectors, and contractors

📞 Contact Gina Lee: 615-517-6011
🌐 www.ginaleesellstn.com

✅ 3. Define Your Needs vs. Wants

Make a list of your must-haves and nice-to-haves. Be realistic—especially if you’re shopping in a high-demand area.

Must-Haves:

• Number of bedrooms and bathrooms

• Safe neighborhood with good schools (Sumner County is known for both!)

• Commute time to work

• Price within your approved budget

Nice-to-Haves:

• Updated kitchen

• Big backyard

• Home office space

• Community amenities (like pools or parks)

Gina advises: “Be open-minded. Sometimes the perfect home is the one you didn’t expect at first glance.”

✅ 4. Research the Neighborhood

In Middle Tennessee, every town has its unique charm.

• Gallatin: Growing rapidly with a mix of historic homes and new builds. Great schools, small-town charm, and close to Nashville.

• Hendersonville: A lakeside suburb with strong community feel, shopping, and entertainment.

• Portland: Affordable options and rural appeal, perfect for those seeking peace and quiet.

• White House & Goodlettsville: Family-friendly, well-connected towns with great real estate potential.

Use tools like Google Maps, local Facebook groups, and city websites—or better yet, ask Gina.

✅ 5. Attend Open Houses & Tour Homes

Gina offers personalized showings and will help you evaluate homes with an experienced eye.

During your visits:

• Test out appliances

• Check water pressure

• Look for signs of damage (cracks, leaks, musty smells)

• Pay attention to noise levels, traffic, and nearby amenities

“Don’t be afraid to take notes or pictures. I help my clients see things they might miss on a first tour,” Gina adds.

✅ 6. Make a Competitive Offer

Once you’ve found the right home, the offer process begins—and this is where Gina shines.

• Analyze comparable sales (“comps”) with your Realtor

• Understand contingencies (inspection, appraisal, financing)

• Include an earnest money deposit to show you’re serious

• Be ready to negotiate if needed

“Middle Tennessee homes can sell fast,” Gina warns. “Being pre-approved and ready to make a solid offer is key.”

✅ 7. Schedule the Home Inspection

Never skip the home inspection—it’s your protection as a buyer.

• Hire a licensed, experienced inspector

• Attend the inspection if possible

• Ask questions and take notes

• Request repairs or credits based on findings

Gina has a list of trusted local inspectors she recommends.

✅ 8. Prepare for Closing

Once the offer is accepted and contingencies are met, it’s time to finalize the purchase.

To-do list:

• Lock in your mortgage rate

• Secure homeowner’s insurance

• Set a closing date

• Review the Closing Disclosure carefully

• Schedule a final walkthrough

“I’m with my clients from offer to closing—and beyond. I make sure they’re never in the dark,” Gina says.

✅ 9. Celebrate Your New Home!

Congratulations—you’re officially a homeowner in Middle Tennessee!

Before moving in:

• Set up utilities and change your address

• Re-key the locks

• Make a list of future upgrades or repairs

• Explore your new neighborhood—meet the neighbors, support local businesses, and enjoy the journey

Gina often gifts her first-time buyers with a welcome basket filled with local goodies. “It’s my way of saying thanks and welcome home,” she says.

Why Middle Tennessee?

There’s a reason people are flocking to this region. Middle Tennessee offers:

• Strong job market

• Affordable cost of living (compared to other metros)

• Access to nature—lakes, parks, and trails

• A vibrant mix of small-town charm and city conveniences

• Warm, welcoming communities

from Gina Lee

“Buying your first home can be scary—but it doesn’t have to be. With the right support and preparation, it can be an amazing, empowering experience,” says Gina. “My job is to take the stress out of it and make sure you love where you land.”

Ready to start your homeownership journey in Sumner County or anywhere in Middle Tennessee? Give Gina a call.

📞 Gina Lee – Benchmark Realty
Phone: 615-517-6011
Website: www.ginaleesellstn.com