Discoverwhat'snext
? Your process
? Your partner
? Your next home
Contents
Partnership matters
Thank you for the opportunity to show you the difference Zeitlin Sotheby?s International Realty can make as your partner
Our job is to make purchasing your next home easier from start to finish, and we have the experience and expertise to do just that: Together, we will succeed.
At Zeitlin Sotheby?s International Realty, we have everything in place to deliver like no one else We will work with you as a true partner and guide you through each step of your journey This brief presentation will show a comprehensive plan, including how we use our resources and industry-leading knowledge to help you find your next home
Thank you once again for your consideration We would be honored to represent you.
Yourprocess
Benefitsof homeownership
Owning a home is not just a milestone but a profound source of pride for many. Pride of ownership tops the list of reasons why people cherish their homes, providing not only a sense of stability and security but also a solid foundation for personal satisfaction Financially, buying a home is a significant step towards wealth accumulation. As noted by the Harvard University Joint Center for Housing Studies, 60% of a homeowner's wealth typically comes from home equity Additionally, homeowners can benefit from financial perks such as tax deductions on mortgage interest, certain closing costs, mortgage insurance, and property taxes, though it is wise to consult a tax professional for specific benefits. Unlike renting, where payments can increase with each lease renewal, a fixed-rate mortgage offers predictable monthly payments, enhancing financial planning and stability. Homeownership also grants the privacy and freedom to renovate and style your living space as you see fit, further enhancing the enjoyment and value of owning your own home.
0 1. K N OW WH AT YOU CA N A FFORD
Know how much cash you will need out of pocket for a down payment and budget for monthly mortgage payments, including taxes, interest, insurance, and miscellaneous fees.
0 2 S EL ECT YOUR TOP LOCAT I ON S
Explore the different neighborhoods in our region to help narrow your home search to locations best suited for your needs
0 3 I D EN T I FY YOUR PROPERT Y PREFEREN CE
We will work together to determine your preferred home type, whether it be single-family homes, townhomes, condominiums, new construction homes, or others.
0 4 GET PRE-A PPROV ED
Obtain a valid pre-approval letter before making an offer A document verification, credit check, and underwriting gives you and the seller confidence in your ability to close the deal once we find your perfect home.
DOWNPAYMENT OPTIONS
The VA and USDA both offer a zero down loan program for individuals and/or properties that meet their criteria. Sometimes, loans require little or no cash out of pocket. Some HUD properties are available with as little as a $100 down.
The Federal Housing Administration loan program can allow as little as 3 5% down, and it is more lenient than most other programs on minimum credit scores and other factors
3%
Fannie Mae/ Freddie Mac conventional loans are available with down payments as low as 3% The minimum on these programs can change dependent on factors such as property type, credit score, occupancy, etc.
It'smorethan justbuyingahome
Your real estate agent provides immeasurable and insurmountable benefits. As industry experts, we have extensive experience in the field and a deep understanding of our geographical location, fully grasping the dynamics of this fast-paced, highly competitive market Together, we will work as a team to identify the lifestyle of your dreams
1FINANCING
We will work together to determine a financing plan that works for you, whether you need to secure a pre-qualification letter from a lender to facilitate your search or are paying in cash If applicable, we can refer you to qualified lenders, including our in-house mortgage affiliate, Shelter Lending Services
2
LISTING SEARCH
Utilizing our many connections and resources, we will work tirelessly to help you discover your next home, including accessing our exclusive database of off-market properties and pocket listings
3
HOME SELECTION
We will provide objective information about each property of interest With exclusive access to property data such as sales and tax history, comparable home prices, and required disclosures, as well as recommendations for inspectors and experience in reviewing reports, we are prepared to help you make informed decisions.
4
NEGOTIATION
We are experienced and powerful negotiators Our years of market knowledge and expertise in writing offers will help you successfully move forward in purchasing your desired home.
5
DUE DILIGENCE
We will help you navigate through the significant steps and numerous contingencies necessary before your purchase can be finalized
6
CLOSING
We will coordinate your closing and ensure you are fully prepared to finalize the transaction If applicable, we can refer you to qualified title companies, including our in-house title affiliate, Music City Title Once the closing is complete, you will have officially taken legal possession of your new home
Sotheby'sInternationalRealty AffiliateinTennessee
We proudly provide luxury service to each of our clients, regardless of price point. All clients represented by Zeitlin Sotheby's International Realty benefit from the firm's global reach, powerful marketing, and superior professional service Our network of Agents live and work throughout 20+ counties in the region, making us experts in our local market.
Yourcommunity isourcommunity
We live here too. So we know the neighborhoods, schools, and shops from the inside out to best inform you on your home buying journey.
2 0 +
Number of counties in which we conducted business $ 930,0 0 0 VS. $ 4 92,0 0 0 Our brokerage's average sales price compared to the market's average sales price
47
Years since we established our brokerage in 1979
Pre-Qualification letterchecklist
If you are not paying cash, it is essential to either pre-qualify or obtain pre-approval from a lender beforehand to assess various aspects. This presents an excellent opportunity to explore interest rates and request a detailed loan estimate in writing to compare different loan options and associated fees Additionally, your Agent might have suggestions and can direct you to our in-house mortgage partner, Shelter Lending Services
PRE-QUALIFICATION LETTER CHECKLIST
Maximum price range
Maximum loan amount
Total monthly payment
Total cash amount needed to close
Officialloan applicationchecklist
Required within three days of the contract acceptance, you will fill out a full loan application This is when you will pay for the appraisal and credit report ? costs that will be credited to you at closing
LOAN APPLICATION CHECKLIST
Bank Statements
Last twomonthsof checking/savingsstatements
Retirement Accounts
Last twomonthsof retirement/pensionand 401k statements
Pay Stubs
Twomost recent employment pay stubscovering a minimum of 30 days
Signed Tax Returns
All pagesof W-2sor 1099sfrom all employersin the last twoyears
Valid ID Copy
Driver?slicense,passport,or a social securitycard
Earnest Money
Copy of check
IF APPLICABLE
Award Letters
For retirement/pension income,social security,disability income
Divorce Documents
Complete divorce decree
Mortgage Statements
Property taxbillsand homeowner?sinsurance statementsfor all properties
Bankruptcy Petition and discharge
Home inspectionchecklist
It is strongly recommended that your home is professionally inspected and your agreement to purchase contingent upon the satisfactory results of the home inspection. We will coordinate and review the report to determine if items will be included on repair/replace requests If you are not satisfied with the seller?s response to repair requests, you can terminate the contract if you have an inspection contingency
IMPORTANT INSPECTION ITEMS TO REVIEW
Plumbing,electrical,and structural issues
Althoughmost issuescan be fixed upon request,youwant tobe well-informed of these repair needsand the home?soverall condition
Radon gas
If the test resultsshowa radon gaslevel above the EPA recommended amount,a licensed companymay install a radon abatement system.
Asbestos
Asbestosinsulation materialsmight be found in anattic or exposed wall inhomesconstructed prior to 1980.If so,a further evaluation by an EPA-approved firm maybe necessary.
Lead-based paint
The majorityof homesconstructed prior to1978 contain lead-based paint. Federal lawrequiresthat known hazardsbe disclosed before sellinga house.
Toxic mold and fungus
If present,toxic mold canbe alleviated by a licensed mold specialist.
Closing checklist
We will help manage a variety of tasks upon closing to ensure a smooth and successful transaction
ITEMS TO HAVE ORGANIZED FOR CLOSING
Utilities
Arrange for utilitiesto be turned on the day of possession.
Transferred funds
Be sure you have transferred fundstoa local institutionin order to obtaina cashier?scheck for closing.
Valid ID
Bringa government issued photoID,such asa driver?slicense.
Final walk-through
Prior toclosing,we will schedule a walk-throughat your new home toensure the house isin agreed-uponcondition.
Other
Provide anyoutstandingdocumentsor paperwork that you have not yet provided to the title companyor the mortgage loan officer.
Closing costs
Typically, home buyers will pay between 2 to 5 percent of the purchase price of the home in closing fees The following is a list of the most common fees
0 1 ORI GI N AT I ON FEE
Percent of loan amount charged by lender to prepare the loan.
0 2 POI N TS
A point is equal to one percent of the loan amount
0 3 CRED I T REPORT
Tri-merged mortgage credit report that is required on all mortgage loans.
0 4 A PPRA I SA L
Required to determine the property value.
0 5 SURV EY
Indicates what property is being used as security for the mortgage.
0 6 AT TORN EY FEE
Retained to handle legal aspects and formal closing of the loan.
0 7 T I T L E I N SURA N CE
(Lender?s Coverage) insures the lender that it holds a valid security interest in the property
0 8 . T I T L E I N SURA N CE
(Owner?s Coverage) insures the owner against title defects not revealed through normal title search and unrecorded claims
0 9 RECORD I N G FEES
Local municipality charge for the recording of the deed of trust.
10 M I SC FEES
Common fees charged by the lender such as a tax services, document prep, processing, underwriting, and application
11. PRO- RATA I N T EREST
Interest on the loan from closing through the end of the month.
12 FI RE & H A Z A RD I N SURA N CE
Required to protect the lender and homeowner against loss due to fire (first year?s premium charged at closing)
13 . M ORTGAGE I N SURA N CE
Required on conventional loans made with less than 20% down (all FHA loans require this insurance regardless of the down payment amount)
14 . ESCROWS
Funds held in account by the lender to assure future payment for taxes and insurance (a minimum of two months taxes and insurance are charged at closing).
Yourpartner
Your brokerage
Zeitlin Sotheby?s International Realty?s Agents are full-time, global real estate advisors who live and work throughout Middle Tennessee with an established record of providing first-class service by combining local expertise with a world-renowned brand. The Sotheby?s International Realty®network includes 26,000 sales associates across 1,100 offices spanning 86 countries and territories with over $182 billion in annual global sales volume. Zeitlin Sotheby?s International Realty is a local, family-owned real estate brokerage that harnesses the power of our global reach to provide unprecedented luxury at every price point
Deeply rooted in Middle Tennessee, Zeitlin Sotheby?s International Realty is committed to helping develop and sustain the city?s unique culture and sense of community. Zeitlin Sotheby?s International Realty Agents contribute to the Zeitlin Charitable Fund, which supports non-profit organizations in our community.
Luxury is an experience, not a price point Whether your definition of luxury is a beautiful view, a walkable lifestyle, or the perfect entertaining space, our global real estate advisors are highly qualified to help you identify the lifestyle you desire From Green Hills to Germantown, Brentwood to Bellevue, Franklin to Forest Hills, or even London to Lisbon, let us help you find the home of your dreams while providing renowned white-glove service
Our Agentsarefull-time professionalswholiveand workthroughout Middle Tennesseeandbeyond.We knowtheneighborhoods, schools,andshopsfromthe insideout tobest informyou onyour homebuyingjourney.
Weareafamily-owned, locallyrootedbusinessthat harnessesthepower of our global brandtoprovide luxuryserviceat every pricepoint.
1.045
Sotheby's International Realty 2025 Performance
1,399# 47# YearsofLocal Expertise
953K $ AverageClosedPrice forRelocationReferrals Transactions
26,0 0 0
Sales associates
1,10 0 Offices worldwide
42 million+ sothebysrealty.com visits in 2025 # 1
Most profiled real estate brand in the news
1 38 Million Engaged social media followers
46 Million+ Videos played in 2025
1744 The year our heritage began
Countries & territories
Ourworld isyours
Sotheby?s International Realty is the only truly global luxury real estate company with 26,000 advisors working in more than 1,100 local offices across 86 countries and territories Our unparalleled network works together to meet your needs and expectations
Ourwebsite bringstheworld withinreach
We make your listing easy to find online with our Webby Award-winning website and finely tuned Search Engine Optimization. Zeitlin.com enables millions of visitors to immerse themselves in engaging videography, impactful photography, and inviting virtual tours.
36%
24% 46M
Visitors from outside the U S Organic search traffic Videos played in 2025
Sources: Google Analytics, Brightcove, and Listrac ? Full Year 2025
Expert advisors toindustrytitans
For more than 45 years, the Zeitlin Sotheby?s International Realty
Relocation team has relocated and provided comprehensive relocation services to new and existing industry-leading companies as they recruit, hire, and transfer top-level talent to the Middle Tennessee area This allows us the opportunity to work with a large number of buyers moving into the region and transferring sellers moving away.
Partnering with our network of over 26,000 global advisors across 86 countries and territories, we pride ourselves in the ability to sell homes to anyone, from anywhere
1,100
26,000
Countries and Territories Global Offices Advisors
CORPORAT E CL I EN TS
- AllianceBernstein
- Ascension Saint Thomas
- Asurion
- Bank Of New York (TPC)
- Bass,Berry & Sims
- Bridgestone
- Carlisle Tire
- CleanSlate
- Delek
- Dell Computers,Inc.
- Digital Reasoning
- Dollar General Corporation
- Eco Energy
- Edison Partners
- Education Media Foundation
- First Trust Portfolios
- General Motors
- Genesco,Inc.
- Gibson Musical Instruments
- Hankook Tire
- Harper Collins
- HCA
- Ingram Barge
- Iron Galaxy
- Jackson National Life
- Kirkland's
- Lifeway Christian Resources
- Mars Petcare
- Marriott International
- Metropolitan Nashville Airport
- Messer Construction
- Mitsubishi
- Nashville Electric Service
- Nashville Symphony
- Nissan
- Pillsbury Law
- Saint Thomas Medical Group
- Tennessee Valley Authority
- THNKS
- Thomas Nelson
- Truist Bank
- United Methodist General Board of Discipleship
- United Methodist Publishing House
- Vanderbilt Medical Center
- Vanguard Health Systems
RELOCAT I ON COM PA N I ES
- Aires
- Altair Global Relocation
- ARC Relocation
- Archibald Relocation
- Bristol Global Mobility
- CapRelo
- Cartus
- Coppergate Global Relocation
- Cornerstone Relocation
- Corporate Relocation International
- Focus Relocation
- GMS
- Graebel
- Home Services Relocation
- Morreale RES
- Moving Station
- NEI Global Relocation
- NuCompass Mobility
- Plus Relocation
- Porchlight Relocation
- Relocation America International
- Premier Transitions
- Quest Relocation
- RELODirect
- Relocation Coordinates Int'l
- Relocation Synergy Group
- Relocation Today
- Signature Relocation
- SIRVA
- Sterling Lexicon
- TRC Global
- Weichert Relocation
- WHRGroup
- Xonex Relocation
Thepower ofpartnership
Your partners matter: Discover the power of partnering with Middle Tennessee's premier mortgage and title professionals, ensuring the highest quality service in every aspect of your real estate journey.
Music City Title & Escrow Inc is a full-service title insurance agency serving the residential and commercial real estate sectors of Tennessee and is committed to providing clients with an exceptional level of customer service, superior efficiency, innovative technology, and an industry-best team for each closing. They pride themselves on building long-lasting relationships with clients and look forward to serving you
musiccitytitle com ashley@musiccitytitle.com 615 270 1530
Shelter Lending Services is a direct mortgage lender that provides a variety of services that cater to the unique needs of a real estate transaction From flexible real estate loans and refinancing options to investment tools and other helpful resources, Shelter Lending Services proudly partners with Zeitlin Sotheby's International Realty to offer exceptional service at every price point, and every transaction.
sheltermortgageTN com
kurt johansson@sheltermortgage com
615 482 7252
Ourhigh-endresearch deliverstop-endresults
The secret to our expertise in high-end residential markets is our endless research.
Our annual Luxury Outlook report provides current data on trends and consumer behavior in residential markets around the globe Naturally, the more insights we have into a market, the more we can help our clients make informed decisions
Yournext home
Davidson County
Davidson County is a dynamic and thriving county that serves as the heart of Middle Tennessee. The home of Music City, Davidson County offers a unique blend of rich history, vibrant culture, and exciting opportunities From the iconic Honky Tonk Highway to world-renowned music venues, residents and visitors alike can immerse themselves in Nashville's legendary music scene The county's diverse neighborhoods cater to various lifestyles, from charming historic districts to modern urban developments, providing an array of housing options to suit every preference With a flourishing economy, and an abundance of recreational activities and outdoor spaces, Davidson County promises an unmatched living experience that embraces both the excitement of the city and the charm of Southern hospitality.
Williamson County
Williamson County is a highly desirable destination that embodies the perfect blend of natural beauty, thriving communities, and exceptional quality of life. Located just south of Nashville, this county offers a diverse range of neighborhoods and towns, each with its own unique charm and character Williamson County is known for its picturesque landscapes, including rolling hills, lush green spaces, and scenic rivers Residents have access to an abundance of outdoor recreational opportunities, such as hiking, biking, and boating, thanks to the numerous parks, trails, and waterways in the area The county is also home to top-rated schools, making it an attractive choice for those seeking an excellent education for their children In addition to its natural splendor, Williamson County boasts a vibrant arts and culture scene, with an array of theaters, galleries, and music venues With its strong sense of community, rich history, and exceptional amenities, Williamson County offers an unparalleled living experience
Maury County
Maury County is a thriving and picturesque area that blends small-town charm with economic growth opportunities. Located in the heart of Middle Tennessee, Maury County offers a warm and welcoming community with a rich history and a promising future. With a focus on economic development and business expansion, Maury County provides a diverse range of industries, making it an attractive destination for job seekers and entrepreneurs alike. Maury County's natural beauty and scenic landscapes create an enchanting backdrop for residents to enjoy a variety of outdoor activities The county's dedication to economic growth is evident in its well-maintained infrastructure and business-friendly environment With a variety of housing options, from historic homes with character to modern developments, Maury County caters to various lifestyles and preferences
Rutherford County
Rutherford County is a vibrant and diverse county located in Middle Tennessee
As one of the fastest-growing areas in the state, Rutherford County offers a perfect balance of suburban living and urban amenities This county is home to a wide range of communities, from charming historic neighborhoods to modern developments Rutherford County's central location provides easy access to major highways, making it a convenient hub for commuters and travelers alike. The county has a strong economy and numerous parks and recreational facilities From its lively arts and cultural scene to its renowned music festivals, Rutherford County offers an enriching and diverse lifestyle that caters to a wide range of interests
Wilson County
Wilson County is a thriving and diverse Middle Tennessee community As one of the fastest-growing counties in the state, Wilson County offers a unique blend of rich history, picturesque landscapes, and modern amenities The county's mission to provide exceptional services and promote economic growth is evident in its well-maintained parks, vibrant downtown districts, and flourishing local businesses. Wilson County's central location provides easy access to major highways, making it a convenient commute to nearby Nashville and other surrounding areas The county's commitment to preserving its natural beauty, combined with a dynamic economy and diverse housing options, creates an exceptional living experience for residents
Sumner County
Sumner County is a captivating destination that blends rich history, natural beauty, and modern conveniences. Located just northeast of Nashville, Sumner County offers a diverse range of communities, each with its own unique charm and character The county's rich history is evident in its well-preserved historic sites and landmarks, providing a glimpse into the past while embracing the progress of the present Sumner County's scenic landscapes, including stunning lakes and rolling hills, create an enchanting backdrop for residents to enjoy a variety of outdoor activities Whether it is boating on Old Hickory Lake, exploring the picturesque parks, or strolling through quaint downtown districts, there's no shortage of opportunities to embrace the beauty of nature.
Robertson County
Robertson County is a charming and thriving county that offers a perfect blend of rural beauty and modern amenities. This county boasts rolling hills, lush farmland, and scenic landscapes that showcase the region's natural splendor With a rich history dating back to the early 1800s, Robertson County exudes a timeless appeal that is complemented by its warm and welcoming communities. Robertson County provides a wide array of housing options, from historic homes with unique character to newly developed neighborhoods with modern comforts The county has a strong sense of community, excellent schools, and recreational facilities. Embrace the tranquility of country living while enjoying the convenience of easy access to nearby urban centers
Cheatham County
Cheatham County is a hidden gem nestled in the heart of Tennessee Known for its natural beauty and small-town charm, this county offers a peaceful and idyllic setting for residents seeking a tranquil escape from city life With a rich history dating back to the early 1800s, Cheatham County boasts well-preserved landmarks and historic sites that add character to its landscape The county's picturesque countryside and scenic waterways provide ample opportunities for outdoor enthusiasts to explore and connect with nature Residents can enjoy a variety of local events and festivals that showcase the area's vibrant culture and friendly community spirit.
Montgomery County
Montgomery County is a vibrant region that offers a rich blend of history, nature, and community spirit. The county seat, Clarksville, situated on the scenic Cumberland River and the Highland Plateau, showcases the area's diverse landscape of valleys, plateaus, and ridges. This rural area is not only known for its natural beauty but also for its significant military presence at Fort Campbell, home to the 101st Airborne Division and the 160th Special Operations Aviation Regiment Economically and socially, Montgomery County is marked by diversity and growth, with a variety of housing options from upscale planned communities to historic family farms that showcase the county?s rich agricultural heritage The presence of festivals, local parks, and various community activities further enrich the residents' quality of life, making it a dynamic place to live and work
Dickson County
Dickson County is a picturesque and welcoming community in Middle Tennessee. With a rich history dating back to the early 1800s, this county exudes a small-town charm that captivates residents and visitors alike
Boasting rolling hills, scenic landscapes, and an abundance of outdoor recreational opportunities, Dickson County is an outdoor enthusiast's paradise
Residents can enjoy Montgomery Bell State Park, equipped with a conference center, on-site restaurant, quaint inn, and environmentally-friendly modern cabins for rent The campground features nearly 100 campsites and shares this natural space with native Tennessee wildlife. Dickson County offers a diverse range of housing options, from historic homes with timeless character to modern developments with modern amenities.
Trust builds alastingrelationship
Thank you again for this opportunity to share our qualifications We would love to work with you and show you why we have earned the trust of so many clients. Trust, of course, is all about comfort It?s about feeling at home Which is exactly how we want you to feel all the way to your new one
One of the world?s most trusted and respected brands
Known for unsurpassed service
The only luxury real estate company with a true global reach
Experienced Agents with local insights and worldwide connections Award-winning website with 42 million visits per year
zeitlin com
© 2026 Sotheby?s International Realty All Rights Reserved Sotheby?s International Realty®is a registered trademark and used with permission Each Sotheby?s International Realty office is independently owned and operated, except those operated by Sotheby?s International Realty,Inc The Sotheby?s International Realty network fully supports the principles of the Fair Housing Act and the Equal Opportunity Act The Comparative Market Analysis (CMA) is provided for reference only CMA data has been obtained from third-party sources and is considered reliable but not guaranteed for accuracy This is not an appraisal or professional valuation All estimates may change and should be independently verified before making real estate decisions