Our Buying Process


Obtain pre-qualification for a loan (if necessary)

Review listing alerts sent to you based on your criteria

Schedule showings and attend open houses

Find the perfect home and write an offer

Go through acceptance, appraisal, and inspection

CLOSE, get the keys and CELEBRATE!!!


What Credit Score Is Needed to Buy a House in Tennessee?

To take advantage of optimal mortgage products and interest rates, you will need a credit score of 600 or higher. Not quite there yet? There are several steps you can take to raise your credit score, such as

  • Pay down existing debt.

  • Have bills put in your name and make sure to pay them on time.

  • If you do not have one, apply for and use a credit card, but keep balances low and always pay on time.

  • Do not apply for multiple credit cards or products. Each application can ding your score.

You can also look for a lender who provides “credit builder loans.” These are usually small personal loans that will have a specific purpose, such as being used as a down payment or going to school. When you pay the loan in full, the funds are released.

How Do I Buy a House in Tennessee?

Buying a house is a huge step in life, but it does not have to be a stressful one. Just take your time, do your research, and don’t be afraid to ask questions. To get the keys to your dream home in hand, follow these main steps:

  1. Research current mortgage rates in Tennessee. You can use a mortgage calculator to help you determine monthly payments and affordability.

  2. Choose your lender and get pre-approved for a loan. Prequalification lets you know how much house you can afford, so it is important to complete this before you start looking at houses.

  3. Find your dream home.

  4. Make an offer.

  5. Close on your new house and . . . 

  6. Make it a home!

Yours with Young

You can make the home buying process even easier by choosing a helpful and knowledgeable buying specialist. That’s where Young Marketing Group steps in. Our Knoxville real estate team has helped many people become, or continue to be, Knoxvillians.

For more information about buying or selling a home, check out our blog, give us a call at 1-865-281-1321, email us at carl@ymgproperties.com, or request a call back using our convenient online scheduler.

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