Nashville Area Property Finder Blog
Septic, Well, and Radon Testing: A Buyer's Guide Outside Gallatin, TN
Do I Need to Test for Septic, Well Water, and Radon When Buying Outside Gallatin, TN? Tennessee has no statewide law requiring a septic inspection when a home sells, but FHA, VA, and USDA loans sometimes require one anyway, and a private well almost always needs a certified water test for those s...
Escalation Clauses and Appraisal Gap Coverage: What Gallatin Buyers Need to Know
What Are Escalation Clauses and Appraisal Gap Coverage, and How Do They Work in Gallatin, TN? An escalation clause automatically increases your offer by a set amount above any competing bid, up to a ceiling you choose, so you don't have to guess at a number in a multiple-offer situation. Appraisa...
How Do Multiple Offers Actually Work When You're Buying a House in Gallatin, TN?
How Do Multiple Offers Work When You're Buying a House in Gallatin, TN? When a seller in Gallatin gets more than one offer, there's no law dictating what happens next. The seller isn't required to accept the highest offer, and the listing agent isn't required to tell you how many other offers exi...
15-Year vs. 30-Year Mortgage: Which Is Right for a Gallatin Buyer
Should You Get a 15-Year or 30-Year Mortgage in Gallatin, TN? A 15-year mortgage costs meaningfully more per month but saves a large amount in total interest and builds equity far faster. A 30-year mortgage keeps your monthly payment lower and more flexible, which matters more in a higher-rate en...
Selling the House During a Divorce or After Losing a Spouse in Sumner County, TN
Do I Have to Sell My House During a Divorce or After My Spouse Dies in Tennessee? In a Tennessee divorce, a jointly titled home generally can't be sold without both spouses' agreement or a court order, and a statutory injunction restricts transferring marital property the moment a divorce is file...
My House Isn't Selling in Gallatin, TN: What Now?
Why Isn't My House Selling in Gallatin, and What Should I Do About It? If your Gallatin home has been on the market for several weeks with little or no activity, the cause is almost always price, condition, marketing, or access, usually in that order of likelihood. Before you touch your asking pr...
Do You Have to Sign a Buyer's Agent Agreement in TN?
Do You Have to Sign a Buyer's Agent Agreement Before Touring Homes in Tennessee? Yes. Since August 2024, agents representing buyers in Tennessee are required to have a signed written agreement in place before touring a home with you. This came out of the national NAR settlement, and it applies he...
Gallatin, Hendersonville, or Portland, TN: Which to Buy?
Should You Buy in Gallatin, Hendersonville, or Portland, TN? Gallatin, Hendersonville, and Portland sit along the same stretch of Sumner County but land in different places on price, commute, and growth. Hendersonville runs the most expensive, with a median around $530,000 and the shortest Nashvi...
Selling an Inherited House in Sumner County, TN
What Do You Need to Know Before Selling an Inherited House in Sumner County, TN? Selling an inherited house in Tennessee usually means working through probate first, though the property can sometimes be marketed before probate fully closes if the executor has the authority to do so. Tennessee has...
How Much Are HOA Fees on Gallatin, TN Condos and Townhomes?
How Much Are HOA Fees on Condos and Townhomes in the Gallatin Area?HOA fees on condos and townhomes around Gallatin and Sumner County typically run anywhere from about $50 a month in low-amenity single-family HOAs to $280 to $350+ a month for townhome and condo communities with exterior maintenan...
Who Pays the Recordation Tax When You Buy or Sell in Sumner County, TN?
Who Pays the Recordation Tax in Sumner County, TN: the Buyer or the Seller? In Tennessee, the buyer pays the Recordation Tax, not the seller. It's officially called the Realty Transfer Tax, it runs $0.37 per $100 of a home's sale price, and Tennessee law puts the responsibility on the grantee, me...
Is Gallatin, TN Growing Too Fast? A Buyer's Guide
Is Gallatin, TN Growing Too Fast for Its Infrastructure to Keep Up? Gallatin's population has grown from about 44,800 in 2020 to more than 56,500 today, a 26% jump in six years, and thousands more homes are already permitted or under construction. The city's own long-range plans call for tens of ...
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...
Contact Information
Melody Kaeilin Uhls & Rickie Uhls, REALTOR® - TN LIC #357218, #357228Hearthstone Realty
Castalian Springs, TN 37031
Send a message