Brenda's Tennessee Real Estate & Mortgage Blog

(931) 206-1907 Cell

For Sale: 120 Hawkins Lane Big Rock, TN (a short drive to Ft. Campbell, KY)

Brenda Tressler (Integrity Mortgage Services/Oracle Estates & Homes) — Thu, 20 Nov 2008 20:07:17 -0600

Enjoy Country Living! (SOLD)

$97,000 sale price

120 Hawkins Lane Big Rock, TN 37023

MLS #1034771

Built 2004 (Manufactured-Foundation)

2052 sq. ft.

4 Bedrooms 2 Bathrooms

Country Living! Large Lovely open floor plan on almost an acre includes a gourmet kitchen with pantry, master suite has a garden tub and walk-in closets, workshop (floored & wired) aand a pool.

This property is located between Ft. Campbell,KY and Dover,TN.

Living Room: 14x20 Great room

Kitchen: 14x12 Country

Dining Room: 14x12

Den: 16x17 w/Fireplace

Master Bedroom: 14x15 Walk-in Closet

Bedroom #2: 14x11

Bedroom #3: 12x12

Bedroom #4: 10x10

This home is listed by: Karla Miller Realtor, Coldwell Banker Conroy, Marable & Holleman

Karla's cell: 931-551-5233 Office: 931-552-1700

This home is featured by:

BRENDA TRESSLER

Loan Officer

Integrity Mortgage Services, Inc.

(931) 206-1907 cell

(931) 905-6900 office

FOR MORE INFORMATION OR FINANCING OPTIONS.... CLICK HERE

Thank you for viewing this home and I look forward to assisting you!

For Sale By Owners: New home buyer beware... part 1!

Brenda Tressler (Integrity Mortgage Services/Oracle Estates & Homes) — Tue, 18 Nov 2008 16:39:33 -0600

Buying/Selling a home is a complicated transaction that includes many legal forms required to comply with the law.

Real Estate Professionals spend hours in class to keep up-to-date on the changes so they can provide the best service and protect their Buyers and Sellers.

Even with all the information on-line it is difficult for non-professionals to completely understand and comply with all the required documents for selling a home.

I have seen many Buyers disappointed when they purchased a home from a for-sale-by-owner.

I hope that this series will help you avoid many pitfalls and give you a quick reference to some of the required documents.

Disadvantages of Buying a home from a for-sale-by-owner:

Pricing: many times the home is over priced

Terms: Many times sellers are less willing to negotiate

Property Condition: many times it is unknown

Contract: many times is not complete and/or one sided in favor of the Seller

If you click on the highlighted area you will find a detailed report.

Good Luck with your new home purchase...

if you have any questions feel free to contact

Brenda Tressler

Click here for answers to your home buying/selling/financing questions.

Brenda Tressler

Loan Officer

Integrity Mortgage Services

(931) 206-1907 Cell

(931) 905-6900 Office

"Let me be your friend in Financing"

For Sale By Owners: New home buyer beware... part 2!

Brenda Tressler (Integrity Mortgage Services/Oracle Estates & Homes) — Tue, 18 Nov 2008 16:34:05 -0600

Pricing a home to sell is one of the toughest jobs... to decide on the correct price you must know the current and local market.

Many home owners put years of hard work and money into their homes; it is very difficult for them to be objective when setting a sales price. Home improvements do not always have a dollar for dollar return... Pricing a home for sale depends on what has sold recently and what is similar to the home being sold.

Sellers normally do not have the data to make a good sound decision. Many times a for-sale-by-owner will disagree with a Realtor and price their home higher than comparable homes in that area.

If you are a Buyer and new to the area then many times you will not know you are paying more for a home than it will appraise for.

If your contract does not have a contingency stating "the property must appraise for the sales price or higher" then you may be required to pay out of pocket for the difference.

A Buyer does not pay a Realtor for their service but having a Realtor represent you can pay you in the long run... by saving you thousands of dollars.

A Realtor can advise you on pricing a home, negotiate a good deal and insure the contract protects your interest!

Good Luck with your new home purchase...

if you have any questions feel free to contact

Brenda Tressler

Click here for answers to your home buying/selling/financing questions.

Click here to return to part 1

Brenda Tressler

Loan Officer

Integrity Mortgage Services

(931) 206-1907 Cell

(931) 905-6900 Office

"Let me be your friend in Financing"

For Sale By Owners: New home buyer beware... part 3!

Brenda Tressler (Integrity Mortgage Services/Oracle Estates & Homes) — Tue, 18 Nov 2008 16:23:26 -0600

The condition of the property is one of the most important factors deciding ... did you get a good deal!

Buying a home is so exciting but many buyers get caught up in the cosmetic appearance of a home. It is the bones of the home that will determine how much it will cost you to maintain your home.

In Tennessee a Seller is required by law to fill out a "Property Condition Form". Many Sellers do not know this is required by law and many For-Sale-By-Owners do not meet this requirement.

This form is the seller telling you about any defects in the property, changes made such as additions, the age items such as roofing, heat & air and any upgrades.

A Realtor will require this form to be filled out completely and correctly plus you have an extra eye to keep you focused on the whole property not just the nice paint.

Also a Realtor has been in hundreds of homes and can point out things you may over look. Again, having a professional on your side is alway good.

I always suggest you hire a home inspector... they will give you adetailed report on your new property. This is another contingency you will want in your contract.

Good Luck with your new home purchase...

if you have any questions feel free to contact

Brenda Tressler

Click here for answers to your home buying/selling/financing questions.

Click here to return to part 1

Brenda Tressler

Loan Officer

Integrity Mortgage Services

(931) 206-1907 Cell

(931) 905-6900 Office

"Let me be your friend in Financing"

For Sale By Owners: New home buyer beware... part 4!

Brenda Tressler (Integrity Mortgage Services/Oracle Estates & Homes) — Tue, 18 Nov 2008 16:20:17 -0600

The terms of the contract is what will determine how much you will pay for your new home, when you will close and who will pay for what services.

Each area of the country has different normal terms for real estate deals. Some areas the Seller pays everything; other areas the Seller pay for nothing. The type of loan you are getting also determines who can pay for what and often restricts or limits what can be charged and who is paying.

This is where you need to do your homework and find out what is normal for your area. Why agree to pay for everything if the Seller is willing to pay some of the closing costs and your loan program will allow it.

Again, a For-Sale-By-Owner is trying to make the most possible from their investment; so normally they will not offer to pay for closing costs and/or repairs. But with the right negotiations you may end up with a Seller paying some or all of the closing costs.

I am not saying stay away from For-sale-by-owners but I am saying be cautious and make sure you have a professional on your side. Negotiate for your best home & deal... be a happy home owner!

Good Luck with your new home purchase...

if you have any questions feel free to contact

Brenda Tressler

Click here for answers to your home buying/selling/financing questions.

Click here to return to part 1

Brenda Tressler

Loan Officer

Integrity Mortgage Services

(931) 206-1907 Cell

(931) 905-6900 Office

"Let me be your friend in Financing"

For Sale By Owners: New home buyer beware... part 5!

Brenda Tressler (Integrity Mortgage Services/Oracle Estates & Homes) — Tue, 18 Nov 2008 16:16:04 -0600

The contract is the heart of the real estate deal!

The contract will state the closing information such as date, where and with whom, sales price, type of loan, what the buyer & seller will be paying for plus much more.

The contract will also give you an out (if it has the proper contingencies) for things such as: you do not qualify for a loan, that you find the house with a serious defects or the property appraises lower than the sales price.

The contract also will give you options for remedies if thing do not go as planned. (again if it has the proper contingencies)

The contract is a legal document that if you end up in court (because things went very badly)it is what the judge uses to make his judgment. This is the one document that you want to be done correctly and many For-Sale-By-Owners do not understand everything about a contract or they insure the contract protects their interest. When just the buyer & seller are involved then there is no one to insure you, the Buyer is fully protected.

Do not make the mistake of not having a fully signed contract with contingencies to protect you! And be sure to read the fine print!

Many For-Sale-By-Owners will pay a Realtor to represent you in the transaction. So find a Realtor that you trust and let them guide you thru the buying process. Purchasing a home should be a fun & exciting time; just make sure you are represented.

Good Luck with your new home purchase...

if you have any questions feel free to contact

Brenda Tressler

Click here for answers to your home buying/selling/financing questions.

Click here to return to part 1

Brenda Tressler

Loan Officer

Integrity Mortgage Services

(931) 206-1907 Cell

(931) 905-6900 Office

"Let me be your friend in Financing"

Historic Victorian: Springfield, TN

Brenda Tressler (Integrity Mortgage Services/Oracle Estates & Homes) — Mon, 17 Nov 2008 16:32:00 -0600

Living in Historic Downtown Springfield (Sold)

$188,000 sale price

211 N. Main St. Springfield, TN 37172

MLS #991587

Built 1920 Historic

2952 sq. ft.

4 Bedrooms 3 Bathrooms

Totally Renovated... with upgraded bathrooms & kitchen with new appliances.

Must see to appreciate architectural details & chandeliers.

1 Year Warranty included

Living Room: 13x13 w/Fireplace

Kitchen: 14x13

Formal Dining Room: 13x13

Den: 13x13 w/Fireplace

Master Bedroom: 16x13 w/Full Bath

Bedroom #2: 15x15

Bedroom #3: 16x11

Bedroom #4: 20x14

This home has 2 master suites, newly renovated gourmet kitchen, fireplaces with mantles "Old World Craftsmanship", new amenities such as a spa tub. Short commute to Nashville, TN or Ft. Campbell, KY.

This home is listed by: Karla Miller Realtor, Coldwell Banker Conroy, Marable & Holleman

Karla's cell: 931-551-5233 Office: 931-552-1700

This home is featured by:

BRENDA TRESSLER

Loan Officer

Integrity Mortgage Services, Inc.

(931) 206-1907 cell

(931) 905-6900 office

If you need a Welcome Packet click here

FOR MORE INFORMATION OR FINANCING OPTIONS.... CLICK HERE

Thank you for viewing this home and I look forward to assisting you!

Moving as a Military Child is Positive ... Welcome to Ft. Campbell, KY

Brenda Tressler (Integrity Mortgage Services/Oracle Estates & Homes) — Mon, 10 Nov 2008 23:18:12 -0600

Can our children survive another move? Yes...

I am a military spouse; my husband retired in 1995...now with grown children. Our two girls were moved all over the United States, Germany & Korea. I was raised in a small community just outside Dayton, OH... where no one moved. I heard from friends & family that I would doom my children to failure if I continued to move them year after year. But to me I had no other choice; you see I married Steve who made the Army his career. To me keeping my family as normal & whole as possible was my only goal in life.

Worrried at times if my family was right... I did my best and I always keep each move with a positive thought:

You can be who ever you want in the new school
You will meet lots of new friends
You will experience a different culture, sites and people that many people will never have the opportunity of experiencing.

As my children grew up they received a variety of memories from our trips and adventures driving & flying to all over the world. I sat down with them a few weeks ago and we were talking about their childhood... I was surprise at how the conversation went. Dana my oldest said she was surprised at how many stories she had to tell about her childhood compared to the average person. Brandy commented that she was surprised at how open minded she was compared to many. She said growing up that she learned being different wasn't a bad thing. That she was more open to change in her life. Dana said that traveling and moving did not stress her at all... it was exciting. All the subjects and comments were positive... Boy I was relieved... that my friend & family were wrong... Moving as a military family turned out to be a happy experience for my children.

So if you are moving to Ft. Campbell, KY or somewhere else... remember you are creating memories that will last a life time! Make it a good memory...

Always think positive
Let you children be part of the move; you may be surprised how much help they can be
Get them a camera; it will keep them busy and you may get some great pictures
Give them a map; they can keep track of how much farther and learn map reading skills
Just try to have fun... Don't be so stressed

Ft. Campbell, KY/Clarksville is a great place to raise a family! Welcome Home!

I wish you the best

Call Brenda Tressler for home & loan information to Ft. Campbell, KY

Have a Safe Trip!

Calling ALL ActiveRain Members... Leave a Comment if you VOTED!

Brenda Tressler (Integrity Mortgage Services/Oracle Estates & Homes) — Mon, 03 Nov 2008 15:50:04 -0600

Just for FUN... if you Voted... leave a comment!

You may say who you voted for or anything you feel like saying.

I just thought it would be fun to see how many ActiveRain Members voted in this election.

They say before & after work will be the busiest time...

so if you can go mid day your wait may be shorter.

I live in a small town in Tennessee... we never have a wait except to talk.

If you voted early... I want to hear from you too.

If you know anyone that is older or may not have transportation... ask if you could give them a ride.

We had a News report that said many older Americans wanted to vote but did not have a ride.

Support out Troops

VOTE THIS ELECTIONS!

THANK YOU FOR LEAVING A COMMENT AND I hope you have a great day!

Brenda Tressler

Financing a Home... Do I need Title Insurance!

Brenda Tressler (Integrity Mortgage Services/Oracle Estates & Homes) — Sat, 01 Nov 2008 23:24:26 -0500

OWNER'S TITLE INSURANCE

What is owner's title insurance?

Owner's title insurance provides you with protection against the loss of your home caused by somebody in the future finding a defect in your title. Unlike other types of insurance that protects against losses from future events, title insurance provides protection from past events, which may or may not be a matter of public record.

What if I don't have owner's title insurance?

If a problem with your title occurs and you don't have owner's title insurance, you could lose everything you've invested in your home or face expensive legal costs.

How does owner's title insurance protect me?

If someone initiates a claim against your title, having owner's title insurance provides you with a legal defense and, if your title should fail, reimbursement of the equity in your home up to the face amount of your policy. It also covers attorney's fees. In short, owner's title insurance protects you against losing your investment in your home.

Doesn't lender's title insurance protect me?

No. if there is a complete failure of title; you have no protection and would lose both your property and your equity in the property. The lender requires you purchase lender title insurance as part of your loan. If you choose not to purchase owner's title insurance and a problem arises the lender is the only one protected.

What if my attorney reviews the title?

No matter how extensive the title search may be, the possibility of "hidden risk", although rare, remains. Real estate titles have hazards that even the most competent attorney can not discover - hidden defects such as improper indexing of records, forgery of documents, unknown or missing heirs, and more (see list below). The attorney cannot be held liable should you suffer loss because of any hidden title defects.

How much does owner's title insurance cost?

The basic premium rate for owner's title insurance is approximately $1.00 per $1,000 more than lender's insurance. That means the owner's insurance premium for a $115,000 home is only $115 more than lender's insurance. (This is just an estimate, prices will vary)You only pay the premium once - there are no recurring premiums. The policy is effective for as long as you, or your heirs, have any interest in the property. Plus, you are covered even after the property is sold.

When do I need to get owner's title insurance?

At Closing, Owner's title insurance should be offered at the closing by the attorney. If it is not mentioned, you should specifically request the option to purchase owner's title insurance.

WAYS YOU COULD LOSE YOUR HOUSE AND WHY YOU NEED TITLE INSURANCE

Claims of missing heirs

Falsely personating ownership of the property

Forgery

Clerical errors

Confusion due to similar names

Unsatisfied claims on property, not shown on title search

Fraud in connection with the execution of documents

Deeds executed under expired or false powers of attorney

Incorrect disclosure of marital status of former owners

Improperly probated wills and trusts

Mental incompetence

I would highly recommend Title insurance for all properties purchased

It will also save you money when you sell your home... be sure to keep your policy and let the closing company know you have a owner's title policybefore they start their title search and they will discount some of their fees.

Call Brenda Tressler

for all your financing needs

(931) 206-1907 cell

(931) 905-6900 office

brenda@imsiloans.com

clarksvilletnrealty.com

Thank you and I look forward to assisting you with your new home!

A PARTY TO REMEMBER IN CLARKSVILLE, TN/Ft. Campbell, KY... THANKS TO ALL!

Brenda Tressler (Integrity Mortgage Services/Oracle Estates & Homes) — Sat, 01 Nov 2008 23:01:04 -0500

Welcome to Integrity Mortgage Services

1^st Annual Halloween Party

and

Open House

It was so exciting to move into our new office and to host an Open House & Halloween Party.

We had a great turn out... many past customers, new customers, local agents, friends & family.

Many members of the ActiveRain community stopped by also!

My THANKS TO ALL!

We had all sorts of characters to visit...

There were games & prizes for all...

The kids had a great time

enjoying the New Play Room

and

games just for them!

We had tons of food & drinks!

We all had great fun... if you did not make it to our Open House then just stop by anytime!

I would love to give you a personal office tour.

Our office feels more like a home... full kitchen, play room for the children, huge conference room.

I would love to show you my new office.

Integrity Mortgage Services mission is to provide the best customer service in town

and

to provide a relaxing atmosphere for everyone!

We are located just outside Ft. Campbell, KY and specailze in VA Loans.

If you are relocating to Ft. Campbell, KY we offer free relocation packets & home searches!

You are invited to stop by for a visit ... we always have coffee or hot chocolate and a warm smile!

Call Brenda Tressler

For all you financing needs!

(931) 206-1907 cell

(931) 905-6900 office

1919 Tiny Town Rd., Suite 200

Clarksville, TN 37042

clarksvilletnrealty.com

I look forward to seeing you soon!

HAPPY HALLOWEEN FROM FT. CAMPBELL, KY

Brenda Tressler (Integrity Mortgage Services/Oracle Estates & Homes) — Sat, 01 Nov 2008 19:39:55 -0500

Every year my family loads up the car and goes to Fort Campbell to Trick-or-Treat... We always have the best time! My husband retired from Ft. Campbell, KY in 1995 but we both still feel very close to all our military families. This year... we had three grand children: Katelyn, Logan and Brandon (his first Halloween). It was such fun seeing all the children running around and having such fun. I could only think... I wonder how many of these children's parents were deployed for this Halloween. The spirit of our military families is amazing... every home had flags flying and tons of Halloween decorations... just look!

I just wanted to say to ALL OUR MILITARY AND THEIR FAMILIES... GOD BLESS YOU AND THANK-YOU FOR ALL THAT YOU GIVE TO KEEP OUR COUNTRY FREE!

I was honored to be at Ft. Campbell to say thank-you to the families and to have enjoyed such a nice evening with the best people in the world!

Now I must post a picture of my Grand Kids...

Thank-You

To the Families of Ft. Campbell, Ky

for providing

such a safe and fun time for

me & my family!

If you are relocating to Ft. Campbell, KY you will love the post and all the families here. This is a very tight community that believes in taking care of each other.

I would like to say WELCOME to the Clarksville/Ft. Campbell Area!

I hope you had a Safe & Happy Halloween!

Brenda Tressler

Loan Officer

Call or e-mail me if you have any Real estate or Financing Questions!

(931)206-1907

Financing a Home... Answers to Common Questions!

Brenda Tressler (Integrity Mortgage Services/Oracle Estates & Homes) — Mon, 22 Sep 2008 21:13:47 -0500

1. I am not eligible for a VALoan.

This may not be true; if you have ever served in the military as Active Duty, National Guard or Reserves you may qualify for a VA Loan. Contact me at brenda@imsiloans.com or call me at 931-206-1907 and together we can find out if you are eligible.

My own father did not know he was eligible for a VA loan until I became a loan officer and asked why he had never use his VA eligible.

2. I can only use my VA eligibility once.

Not so! You can use your VA benefit over & over. You may even be eligible to purchase a second home using the same eligibility with bonus entitlement if your first home was under $144,000.

3. The more money I put down on a home the better my interest rate will be for my home loan.

Actually the reverse is true; the higher your loan amount is, the better your interest rate can be. Many lenders provide a price break for loans above $100,000. There are advantages to making a larger down payment such as: reduced funding fee (if VA), a lower mortgage payment and no mortgage insurance. However there are some programs that do not require mortgage insurance.

4. It is better to use a Bank or Credit Union rather than Mortgage Broker!

Not true... All of the above do basically the same thing by providing your home financing. The important difference is that Banks and Credit Unions are stricter, corporate in nature and you are just a number. Whereas with a Mortgage Broker, you will receive personalized service because normally a mortgage broker is local, independently owned and operated business. What does this mean to you? Banks and Credit Unions usually have set fees and one lender to provide your financing; with bankers hours (9 to 4 central time). At Integrity Mortgage Services, we work with several lenders, which gives us more options to find you the best loan for your situation. Plus, I will be available when you need me, even nights & weekends. That is very important especially if you are in a different time zone or country! With our personal approach to service we can normally obtain loan approval when the bank says NO!

5. I need thousands of dollars to purchase a home.

Not True. There are loan programs that allow you to purchase a home "No Money Down". Typically, the seller of a property can pay anywhere from 3 to 6% of the sale price toward closing cost and pre-paids. In many cases, the 6% is enough to cover all costs; furthermore, for a slightly higher interest rate, the lender can chip in up to 1% of the loan amount to help pay any closing cost you may have. (But remember it's important to know what loan you are obtaining & what the seller is allowed to pay prior to negotiation. It is the sales contract and the loan program together that determine how much you will pay at closing).That is the reason you must see a lender first to pre-qualify; so that you know how much closing costs the seller can pay before you sign a contract.

6. I have to pay all the closing costs to buy a house!

Not True...That varies greatly! The contract between you and the seller plus the loan program is really what determines how much you will need out of pocket to finalize the transaction. Again, talking with a lender and being pre-qualified is the only way to know how much money (if any) you will need to purchase your new home; avoiding any surprises.

7. I should start my loan Process after I find a home!

Not True... Finding your home first could be setting yourself up for stress & disappointment. It is much better to be pre-approved: then you will know how much you qualify for (the price range you can afford) and how much of the closing costs the seller can pay. Your loan approval is good for 120 days. So if you plan to purchase a home any time in the next 4 months call 931-206-1907 or e-mail me at brenda@imsiloans.com to start the process. This will give us plenty of time; you will know if you need to save any money for closing and have time to correct any credit problems that may need to be addressed. Remember my goal is to make this as stress free as possible for you with no surprises!

8. What if I'm not sure about my credit status?

Then we need to start as soon as possible. I will offer my professional opinion and show you exactly where you stand with your credit status. I am also offering you a free pre-approval session. Just call Brenda Tressler at my office 931-905-6900 or if you prefer you can e-mail me at brenda@imsiloans.com and tell me when is the best time to contact you and I will call you at that time

(Please remember to tell me what time zone you are in). Ask for Brenda Tressler when you call... Thanks and have a great day!

Ft. Campbell, KY / Clarksville, TN: What can I find in MLS area 77?

Brenda Tressler (Integrity Mortgage Services/Oracle Estates & Homes) — Mon, 01 Sep 2008 23:33:08 -0500

When searching for a home in Clarksville, Tennessee:

the homes listed in the MLS (Multiple Listing Service) are divided into areas. I have a report that lists a brief description of each area with the advantages & disadvantages.

Now I am going to write a detailed report on each area,

I hope you find the information interesting and helpful!

For all the reports you may Click Here .

This report is on... area 77 (Sango, Hwy 76, Memorial Dr.):

South east of Ft. Campbell; a 30-minute plus drive to Ft. Campbell.

Advantages: Close to I-24 & Nashville, many new subdivisions & existing homes.

Disadvantages: Longer distance to Ft. Campbell. Prices of homes higher per square foot.

Area 77 covers a lot of area which includes Sango, Fedonia, Port Royal:

Memorial Drive is located where the old hospital was located so you will still find many doctors offices, clinics, restaurants and shopping. Homes range from smaller starter homes to large custom homes. Highway 76 connects you to I-24 with easy access to Ft. Campbell, the Mall area or Nashville.

Sango is growing and changing with lots of open land, many existing and new subdivisions. You will find homes of all price ranges in this area but you will pay more per square foot for a home.

Fedonia is in the southeast corner of Montgomery County near the Cheatham County line. This area has many subdivisions but is still mainly rural & agricultural.

Port Royal is one of Tennessee's oldest towns and is in the northeast corner of Montgomery County. This area was once known for it's covered bridge and Port Royal State Park; but the bridge was damaged by several floods since the 1970's.

This is a fast growing area with plenty of shopping, restaurants, Clarksville's third Super Wal-mart and many new businesses.

The above description is an overview of the area; I highly suggest that if you are new to the area you take a day and drive thru all the areas. This will help you decide what each area has to offer and which one best fits your budget & lifestyle.

There is a Driving Tour Guide Map (map to historic sites & points of interest around Clarksville)

and

a Walking Tour Guide Map (points of interest in Historic Downtown & Vicinity)

available by calling 1-800-530-2487 / 931-647-2331

contact me and I will mail one to you with a Welcome Packet.

I hope you enjoy what Clarksville has to offer!

Clarksville Tennessee...Gateway to the New South !

If you have any questions contact Brenda at brenda@imsiloans.com

Integrity Mortgage Services, Inc.

Let me be your Friend in Financing!

Ft. Campbell, KY / Clarksville, TN: What can I find in MLS area 76?

Brenda Tressler (Integrity Mortgage Services/Oracle Estates & Homes) — Mon, 01 Sep 2008 23:28:35 -0500

When searching for a home in Clarksville, Tennessee;

the homes listed in the MLS (Multiple Listing Service) are divided into areas. I have a report that lists a brief description of each area with the advantages & disadvantages.

Now I am going to write a detailed report on each area, I hope you find the information interesting and helpful!

For all the reports Click Here

This report is on... area 76 (St. Bethlehem):

East of Ft. Campbell; a 20 to 30 minute drive to Ft. Campbell.

Advantages:Close to the mall, Clarksville's second Wal-mart,main shopping area, restaurants and the new hospital. Easy access to I-24 makes commute to Ft. Campbell and Nashville quick & easy. You will find many new & existing homes in all price ranges.

Disadvantages:Heavy traffic because of shopping, restaurants and businesses.

This area is the heart of shopping & eating; with just about any restaurant or store you would need located on Wilma Rudolph Blvd. Locals will refer to this as St. B; just to let you know. This area was country years ago, but my how it has grown: now it is the location of our new hospital, Governors Square Mall and traffic. You will also find Swan Lake Golf Course, Dunbar Cave with museum, hiking, fishing & playgrounds and Beachaven Vineyards & Winery. You can find a variety of homes such as older homes, starter homes to custom-built homes with a variety of lot sizes. There are apartments & single-family homes available for rent in this area. Just use exit 4 on I-24 and you are in the middle of everything. From here it is an easy to drive to just about everywhere: Ft. Campbell, downtown, Sango or Nashville. Home prices are a little more than in area 73, 74 or 75. No matter where you live you will be visiting this part of town!

There is a Driving Tour Guide Map

(map to historic sites & points of interest around Clarksville)

and

a Walking Tour Guide Map

(points of interest in Historic Downtown & Vicinity)

available by calling 1-800-530-2487 / 931-647-2331

contact me and I will mail one to you with a Welcome Packet.

I hope you enjoy what Clarksville has to offer!

Clarksville Tennessee...Gateway to the New South !

The above information is just a brief description of each area. I would suggest that you take a drive and look over each area then decide what fits you needs & lifestyle the best. I do hope this helps!

If you have any questions contact Brenda at brenda@imsiloans.com

Integrity Mortgage Services, Inc.

Let me be your Friend in Financing!

Ft. Campbell, KY / Clarksville, TN: What can I find in MLS area 75?

Brenda Tressler (Integrity Mortgage Services/Oracle Estates & Homes) — Mon, 01 Sep 2008 23:21:11 -0500

When searching for a home in Clarksville, Tennessee;

the homes listed in the MLS (Multiple Listing Service) are divided into areas.

I have a report that lists a brief description of each area with the advantages & disadvantages. Now I am going to write a detailed report on each area,

I hope you find the information interesting and helpful!

For all the reports Click Here

This report is on... area 75 (41 A North):

East and boarders Ft. Campbell; a 5 to 15 minute drive to Ft. Campbell.

Advantages: Homes available in subdivisions, close to shopping.

Disadvantages: Traffic can be heavy, some newer homes but not as many custom homes.

This area has everything you would need; it is just outside of Ft. Campbell, close to shopping, Clarksville's first Super Wal-mart, schools and just about anything you would need. There is a mixture of homes from older neighborhoods, starter homes and newer subdivisions. You have easy access to I-24 and in 20 minutes you can be in the Mall area. There are apartments & single-family homes for rent in this area. You will find average home prices varying depending on age & size of home.

There is a Driving Tour Guide Map

(map to historic sites & points of interest around Clarksville)

and

a Walking Tour Guide Map

(points of interest in Historic Downtown & Vicinity)

available by calling 1-800-530-2487 / 931-647-2331

contact me and I will mail one to you with a Welcome Packet.

I hope you enjoy what Clarksville has to offer!

Clarksville Tennessee...Gateway to the New South !

If you have any questions contact Brenda at brenda@imsiloans.com

Integrity Mortgage Services, Inc.

Let me be your Friend in Financing!

I am moving to Ft. Campbell, KY / Clarksville, TN: Where do I start when searching for a home!

Brenda Tressler (Integrity Mortgage Services/Oracle Estates & Homes) — Mon, 01 Sep 2008 23:17:34 -0500

This is normally the first question that a newcomer to the Clarksville /Ft. Campbell area asks me.

My response is it all depends on what is important to you.

Let me first start with where in the world is

Ft. Campbell, Ky./Clarksville, TN.

Fort Campbell is located part in Kentucky and Tennessee.

Oak Grove/Hopkinsville is on the Kentucky side and Clarksville in on the Tennessee side.

The information here is for the Tennessee side... Clarksville!

When you first talk with a Realtor they will ask what area do you want to search? The MLS has divided Clarksville into areas. Listed below are all the areas and their number with a brief description of each.

Area 71 (Downtown & Surrounding area):

South east of Ft. Campbell; a 15 to 20 minute drive to Ft. Campbell.

Advantages: Close to all parts of town and downtown shopping.

Disadvantages: More older homes with a smaller selection of new homes available.

Area 72 (Palmyra/Cumberland Heights to the Montgomery County Line stopping at the Dickson County line):

South of Ft. Campbell; a 20 to 40 minute drive to Ft. Campbell.

Advantages: Country living with acreage available, more home for the money.

Disadvantages: Shopping a distance and one bridge to cross going to Clarksville/Ft.Campbell.

Area 73 (Dotsonville Rd/Woodlawn to the Montgomery County Line stopping at the Stewart County line):

South and boarders Ft. Campbell; a 10 to 30 minute drive to Ft. Campbell.

Advantages: Homes available in subdivisions and acreage, close to shopping, more home for the money.

Disadvantages: Longer distance to Nashville & I-24.

Area 74 (Dover Rd to Dotsonville Rd):

South and boarders Ft. Campbell; a 10 to 15 minute drive to Ft. Campbell.

Advantages: Homes available in subdivisions and acreage, close to shopping, more home for the money.

Disadvantages: Longer distance to Nashville & I-24.

Area 75 (41 A North of Ringgold Rd):

East and boarders Ft. Campbell; a 5 to 15 minute drive to Ft. Campbell.

Advantages: Homes available in subdivisions, close to shopping and Ft. Campbell.

Disadvantages: Older homes, some newer homes with smaller lots.

Area 76 (St. Bethlehem):

East of Ft. Campbell; a 20 to 30 minute drive to Ft. Campbell.

Advantages: Close to the mall, new hospital and main shopping area, many new & existing homes. Close to Nashville & I-24.

Disadvantages: Heavy traffic because of shopping.

Area 77 (Sango, Hwy 76, Memorial Dr.):

South east of Ft. Campbell; a 30 minute plus drive to Ft. Campbell.

Advantages: Close to I-24 & Nashville, many new subdivisions & existing homes plus acreage.

Disadvantages: Longer distance to Ft. Campbell. Prices of homes higher.

The above information is just a breif discription of each area. I would suggest that you take a drive and look over each area then decide what fits you needs & lifestyle the best. I do hope this helps!

If you have any questions contact Brenda at brenda@imsiloans.com

Integrity Mortgage Services, Inc.

Let me be your Friend in Financing!

Ft. Campbell, KY / Clarksville, TN: What can I find in MLS area 74?

Brenda Tressler (Integrity Mortgage Services/Oracle Estates & Homes) — Mon, 01 Sep 2008 23:15:06 -0500

When searching for a home in Clarksville, Tennessee;

the homes listed in the MLS (Multiple Listing Service) are divided into areas.

I have a report that lists a brief description of each area with the advantages & disadvantages.

Now I am going to write a detailed report on each area, I hope you find the information interesting and helpful!

For all the reports Click Here .

This report is on... area 74 (Dover Rd to Dotsonville Rd):

South and boarders Ft. Campbell; a 10 to 15 minute drive to Ft. Campbell.

Advantages: Homes available in subdivisions and acreage, close to shopping, more home for the money.

Disadvantages: Longer distance to Nashville & I-24.

This area is on the edge of Clarksville & Woodlawn. Homes in this area are located close to Ft. Campbell, shopping, schools and about 20 minutes to the Mall area. You will find starter homes, larger family homes and some homes with 5 to 10 acres. Normally you will get more home for you money than in some of the other areas. Many of these homes are on city water & sewer but you will find a few on septic tanks; be sure to ask. There is a good selection of rentals both single-family homes & apartments.

There is a Driving Tour Guide Map

(map to historic sites & points of interest around Clarksville)

and

a Walking Tour Guide Map

(points of interest in Historic Downtown & Vicinity)

available by calling 1-800-530-2487 / 931-647-2331

contact me and I will mail one to you with a Welcome Packet.

I hope you enjoy what Clarksville has to offer!

Clarksville Tennessee...Gateway to the New South !

If you have any questions contact Brenda at brenda@imsiloans.com

Integrity Mortgage Services, Inc.

Let me be your Friend in Financing!

Ft. Campbell, KY / Clarksville, TN: What can I find in MLS area 73?

Brenda Tressler (Integrity Mortgage Services/Oracle Estates & Homes) — Mon, 01 Sep 2008 23:10:08 -0500

When searching for a home in Clarksville, Tennessee;

the homes listed in the MLS (Multiple Listing Service) are divided into areas. I have a report that lists a brief description of each area with the advantages & disadvantages.

Now I am going to write a detailed report on each area, I hope you find the information interesting and helpful!

For all the reports Click Here .

This report is on... area 73 (Woodlawn/ to Dotsonville Rd.):

South and boarders Ft. Campbell; a 10 to 15 minute drive to Ft. Campbell.

Advantages: Homes available in subdivisions and acreage, close to shopping, more home for the money.

Disadvantages: Longer distance to Nashville & I-24.

This area is a mixture of a little bit of everything: subdivisions (new & older), larger family farms and smaller family farms (5-10 acres). Properties here will have septic tanks, wells, city water and sewer; so you will need to ask your real estate agent to be sure. Do not assume that it is city water & sewer! The only way in or out is Dover Rd/Hwy 79; which now is wider and better and the 101^st Parkway. These road improvements make this area much more appealing. This is the place for you if you want to be close to Ft. Campbell and have the feel of living in the country. Prices in this area will vary depending on what you are looking for but you will pay more for acreage here than in area 72.

This is only a brief description; I do suggest that you take a day and drive all the areas. Then you will know what will fit you budget & lifestyle the best. I do hope this was helpful!

There is a Driving Tour Guide Map

(map to historic sites & points of interest around Clarksville)

and

a Walking Tour Guide Map

(points of interest in Historic Downtown & Vicinity)

available by calling 1-800-530-2487 / 931-647-2331

contact me and I will mail one to you with a Welcome Packet.

I hope you enjoy what Clarksville has to offer!

Clarksville Tennessee...Gateway to the New South !

If you have any questions contact Brenda at brenda@imsiloans.com

Integrity Mortgage Services, Inc.

Let me be your Friend in Financing!

Ft. Campbell, KY / Clarksville, TN: What can I find in MLS area 72?

Brenda Tressler (Integrity Mortgage Services/Oracle Estates & Homes) — Mon, 01 Sep 2008 23:04:48 -0500

When searching for a home in Clarksville, Tennessee;

the homes listed in the MLS (Multiple Listing Service) are divided into areas. I have a report that lists a brief description of each area with the advantages & disadvantages.

Now I am going to write a detailed report on each area, I hope you find the information interesting and helpful!

For all the reports Click Here .

This report is on... area 72 (Palmyra/Cumberland Heights):

South of Ft. Campbell; a 20 to 30 minute drive to Ft. Campbell.

Advantages: Country living with acreage available, more home for the money.

Disadvantages: Shopping a distance and one bridge to cross going to Clarksville/Ft. Campbell

This is God's Country! You will find large family farms, smaller family farms (5-10 acres), single-family homes, custom homes and a few subdivisions. Most of the homes are on septic systems and well water but some do have city water. Many properties in this area has untouched timber, fresh water springs and creeks. There is a combination of fairly level land to down right hilly, goat country. Prices of homes will vary depending on what you are looking for. Here you will find peace and quiet with enough space for horses, cows or just a place to hide-a-way. This area is rural but is growing as more people are looking the country life.

There is a Driving Tour Guide Map

(map to historic sites & points of interest around Clarksville)

and

a Walking Tour Guide Map

(points of interest in Historic Downtown & Vicinity)

available by calling 1-800-530-2487 / 931-647-2331

contact me and I will mail one to you with a Welcome Packet.

I hope you enjoy what Clarksville has to offer!

Clarksville Tennessee...Gateway to the New South !