Nashville Area Property Finder Blog
Can a Buyer Back Out After a Home Inspection in Tennessee?
Can a Buyer Back Out After a Home Inspection in Tennessee? In Tennessee, a buyer can back out after a home inspection and get their earnest money refunded — but only if the purchase agreement includes an inspection contingency and the buyer provides written notice before the contingency deadline ...
Capital Gains Tax When Selling a House in Tennessee: What You Owe (and What You Don't)
Capital Gains Tax When Selling a House in Tennessee: What You Owe (and What You Don't)In Tennessee, most homeowners who sell a primary residence pay zero capital gains tax — at any level. Tennessee has no state income tax, which means no state-level capital gains tax on real estate. At the federa...
How Long Does It Take to Close on a House in Tennessee?
How Long Does It Take to Close on a House in Tennessee? In Tennessee, the average financed home purchase closes in approximately 30–45 days from accepted offer. Data from Middle Tennessee transactions puts the average closer to 32 days, though FHA and VA loans often run 45–60 days due to addition...
What Credit Score Do You Need to Buy a House in Tennessee?
What Credit Score Do You Need to Buy a House in Tennessee? The minimum credit score to buy a house in Tennessee depends on your loan type. Conventional loans require a 620 minimum. FHA loans require 580 with 3.5% down, or 500 with 10% down. VA loans have no official minimum, though most lenders s...
Should I Renovate Before Selling or Sell My House As-Is in Gallatin, TN?
Should You Renovate Before Selling or Sell As-Is in Gallatin, TN? Most Gallatin sellers in 2026 land in the middle: neither a full renovation nor a pure as-is sale, but a focused set of updates targeting the specific issues that lose buyers or invite inspection concessions. Full renovations rarel...
What Is PMI and How Do You Avoid It When Buying a Home in Tennessee?
What Is PMI and How Do You Avoid It?PMI — private mortgage insurance — is a monthly fee that protects your lender (not you) if you stop making payments. It applies to most conventional loans where you put down less than 20%. In the Gallatin and Sumner County market, where a $350,000 home requires...
How to Price Your Home to Sell in Gallatin, TN
How Do You Price a Home to Sell in Gallatin, TN? Pricing a home in Gallatin's 2026 market starts with a comparative market analysis (CMA) — a side-by-side comparison of recent closed sales in your specific subdivision, not just your zip code. With 451 distinct subdivisions in the Gallatin area, p...
Property Taxes in Sumner County, TN: What Buyers Need to Budget in 2026
How Much Are Property Taxes in Sumner County, TN? Sumner County residential property taxes are calculated on 25% of appraised value. The county tax rate is $1.421 per $100 of assessed value; if you live within a city, that city's rate is added on top. In Gallatin city limits, the combined rate is...
Should I Sell My House Before Buying Another in Tennessee?
Should You Sell Your House Before Buying Another in Tennessee? For most homeowners in Gallatin and Sumner County, selling before buying is the lowest-risk path — it eliminates the risk of carrying two mortgages and gives you a firm number to work with before you commit to a purchase price. But it...
How to Make a Competitive Offer on a House in Gallatin, TN
How Do You Make a Competitive Offer on a House in Gallatin, TN? In Gallatin's 2026 market, a competitive offer isn't just about price — it's about the full package: earnest money that signals you're serious (1–2% of the purchase price is standard in Sumner County; 2–3% in competitive situations),...
VA Loan in Tennessee: Benefits, Requirements, and What Buyers in Gallatin Need to Know
What Are the Benefits of a VA Loan for Buying a House in Tennessee?A VA loan in Tennessee gives eligible veterans, active-duty service members, and surviving spouses the ability to buy a home with $0 down payment, no private mortgage insurance (PMI), and typically lower interest rates than conven...
What Do You Have to Disclose When Selling a House in Tennessee?
What Are Tennessee's Seller Disclosure Requirements? Tennessee requires most residential sellers to complete the Tennessee Residential Property Condition Disclosure (Form RF201) before a purchase contract is accepted. The form requires you to disclose all known material defects — including struct...
How to Make a Competitive Offer on a House in Gallatin, TN
How Do You Make a Competitive Offer on a House in Gallatin, TN? In Gallatin's 2026 market, a competitive offer isn't just about price — it's about the full package: earnest money that signals you're serious (1–2% of the purchase price is standard in Sumner County; 2–3% in competitive situations),...
Asking for Seller Concessions in Gallatin, TN: What Buyers Can Get in 2026
What Are Seller Concessions, and Can You Get Them in Gallatin, TN in 2026? Seller concessions in Gallatin's 2026 market are common and expected. With homes averaging 63 days on market and over 600 active listings across Sumner County, sellers are negotiating. Buyers in the $280K–$420K range are r...
How to Sell a House in Gallatin, TN: A 2026 Seller's Guide
How Do You Sell a House in Gallatin, TN? Selling a house in Gallatin, TN involves eight core steps: determine your net proceeds, choose your agent, prepare and price the home, list it on the MLS, manage showings and offers, negotiate and execute a contract, complete the inspection and appraisal p...
What to Do If the Home Appraisal Comes in Low in Tennessee
What Happens If the Home Appraisal Comes in Low in Tennessee? If the appraisal comes in below your contract price in Tennessee, you have four options: ask the seller to lower the price to the appraised value, pay the difference out of pocket (the "appraisal gap"), file a Reconsideration of Value ...
Buying New Construction in Gallatin, TN: What to Know Before You Sign
What Do I Need to Know About Buying New Construction in Gallatin, TN? New construction homes make up about 22% of all Gallatin sales in 2026, with active communities from D.R. Horton (Nexus North and South), Goodall Homes (Langford Farms), M/I Homes, and Ryan Homes spanning the $295K–$590K range....
First-Time Home Buyer Mistakes in Gallatin, TN (And How to Avoid Them)
What Are the Biggest Mistakes First-Time Home Buyers Make in Gallatin, TN? The most common mistakes first-time buyers make in Gallatin and Sumner County fall into two categories: financial miscalculations before the purchase and process errors during it. Specifically: shopping without pre-approva...
Contact Information
Melody Kaeilin Uhls & Rickie Uhls, REALTOR® - TN LIC #357218, #357228Hearthstone Realty
Castalian Springs, TN 37031
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