Tim and Pam Cash - Clarksville TN Real Estate Professionals

When considering a Short Sale in Clarksville Tennessee, the first step is to realize that a Short Sale is a process that will weigh on your emotions and patience as well as that of your Family. Finding an experienced and compassionate Real Estate Professional would be your second step in the process.

Short Salesare becoming more prevalent in today's market, especially in a Military City such as Clarksville. With many of our Heroes from Fort Campbell and the 101st Airborne Division (Air Assault) returning from their duties abroad, they are now looking forward to their PCS move to another installation. On the norm, Army Familiesstay an average of 3 years at one installation. That said, the decline in the Clarksville Real Estate Market, while not being as significant as in other areas around the country still have left many Army Families with the realization that they will not be able to sale their home for the amount owed.

The process can be a lengthy one, but one that will save you and your Family from the possibility of Foreclosure. As it is true in the Army, so it is with a Short Sale in Clarksville - Communication and Teamwork are key. Communicating with your significant other, your Realtor and with the bank during the process.

If your current mortgage is a VA Loan, you may qualify for a VA Compromise Sale. Below is some helpful information and links regarding the VA Compromise Sale Program. Just one a few options available to our Veterans.

In order to be considered for a compromise sale, several factors must be considered:

• The property must be sold for fair market value.
• The closing costs must be reasonable and customary.
• The compromise sale must be less costly for the Government than foreclosure.
• There must be a financial hardship on the part of the seller.
• On loans that originated on or before December 31, 1989, the seller must be willing to sign a promissory note.
• There must be no second liens or other liens (unless the amount is insignificant). In situations whereby there are second liens or other liens, the seller can request that the lienholder consider releasing the lien and converting the loan to a personal loan.
• The seller must first obtain a sales contract in order to be considered for the program.
• To protect the seller's interest, the seller should make the sales contract contingent and/or subject to the approval of a VA compromise sale.

Once it is determined that a you may qualify for VA compromise sale, the Realtor or the homeowner should contact the homeowner's lender and/or the VA. A majority of the lenders now have a Loss Mitigation Department that have been authorized by VA to process a VA compromise sale.

Still not sure you qualify? Contact your VA Regional Loan Center. For the Fort Campbelland Clarksville area, the VA Regional Loan Center is located in Atlanta:

For more information on the VA Compromise Sale Program click here

If you have any questions about a Short Sale in Clarksville Tennessee, please feel free to contact The Cash Team today.

Regards

Tim and Pam Cash
Crye-Leike Realtors
931-338-1375 or 931-436-7617


The Cash Team - Making dreams come true one home at a time. Proudly serving the citizens of Clarksville and the Soldiers of Fort Campbell. To view available Clarksville properties, please visit our website at www.cashsofclarksville.com or email us at thecashteam@cashsofclarksville.comand we will run a custom search for you. Finding you and yours the perfect property in Clarksville Tennessee and surrounding areas is our goal.

Be sure to check out our other blog post Clarksville and Montgomery County Schools Information

As with any involved parent with a child in the Clarksville Tennessee School System, we make it a point to check the Clarksville Montgomery County Schools website periodically as it is chalk full of great information.

With schools here in Clarksville opening in a mere week I thought I would post some news for parents and those who are moving to the Fort Campbell and Clarksville area in the coming months. I am sure that you will find that our school system is fantastic (or at least we believe them to be)

The reason that the Clarksville schools are outstanding are a combination of great faculty and teachers as well as INVOLVED PARENTS - yes - you heard it - Clarksville Schools are as good as they are because the PARENTS CARE AND ARE ENGAGED in their children's future.

If you are sitting there reading this and saying 'Wait a cotton-pickin minute - I aint involved!" then I say to you - GET INVOLVED PARENT!

This year we will see the opening of Rossview Elementary School which will complete the Rossview School Complex. Also, West Creek High School will make it's grand opening this school year. To find out information about your child's school in Clarksville Montgomery County please visit: http://www.cmcss.net/schools/main.asp

For those who have not read over this year's budget, I would encourage you to do so: 2010 School Budget Remember to help your schools out by assisting the teachers in acquiring much needed school materials - Folks alot of this is NOT bought by the government - alot of Teachers PAY OUT OF POCKET - which is unsatisfactory - it is your children - help them out - teachers simply do not make enough to be forking out that kind of money.

Looking for the Clarksville School Zones?

Click here for Bus and Zoning Information

2009-2010 Elementary School Zones

2009-2010 Middle School and High School Zones

Pam and I wish all the children in Clarksville a great school season!

Regards

Tim and Pam Cash
Crye-Leike Realtors
931-338-1375 or 931-436-7617


The Cash Team - Making dreams come true one home at a time. Proudly serving the citizens of Clarksville and the Soldiers of Fort Campbell. To view available Clarksville properties, please visit our website at www.cashsofclarksville.com or email us at thecashteam@cashsofclarksville.comand we will run a custom search for you. Finding you and yours the perfect property in Clarksville Tennessee and surrounding areas is our goal.

Be sure to check out our other blog post Welcome to Clarksville Tennessee

Tis the Permanent Change of Station (PCS) season for many our our Soldiers and Families stationed at Fort Campbell Kentucky. Pam and I would like to extend a warm welcome to Clarksville Tennessee to those Army Families that are making their way to our great city and Fort Campbell.

I think that you will find, as many of us before you that Clarksville Tennessee and Fort Campbell are two of the best kept secrets in the Army. Many simply do not want to be stationed anywhere else but Fort Campbell and their Families love the city of Clarksville as do Pam and I.

For those who are having to leave and move on to where duty calls, Pam and I hope that you will be able to return to Clarksville in the near future and wish you well at your new duty station. Should you need assistance with selling your home in Clarksville or are looking for a Realtor to assist you at your next duty station we would love to assist you.

For those Army Families that are just arriving or soon to do so, Pam and I hope that you will consider us as your Clarksville Real Estate team of choice. We love nothing more than to assist our Military Families in their transistion as it is a great way to stay connected to a life that we both loved for over 20 years. Being a retired First Sergeant I still find that I can assist young Soldiers even after leaving the service - what a great feeling.

Pam and I would like to give you a few helpful links for you to puruse prior to your arrival:

here are some helpful links for those that are transferring to our great community:

http://www.cityofclarksville.com/ City of Clarksville Webpage

http://www.clarksville.tn.us/ Clarksville-Montgomery County Economic Development Council

http://www.theleafchronicle.com/apps/pbcs.dll/frontpage Clarksville's own Leaf Chronicle Newspaper

http://www.apsu.edu/ Austin Peay State University (Located in Downtown Clarksville)

http://www.cmcss.net/default2.htm Clarksville/Montgomery County Schools Website

http://www.montgomerycountytn.org/county/index.htm Montgomery County TN Webpage

http://www.campbell.army.mil/newinternet2/index.asp Fort Campbell, KY Webpage

http://www.oakgroveky-tourism.com/ Oak Grove, KY Webpage

http://www.hoptown.org/ Hopkinsville, KY Webpage

Again, if there is anything we can do to assist you in your relocation to the Fort Campbell area whether it be assisting you in your Clarksville Real Estate Search or simply the number to Fort Campbell Housing Office, please feel free to contact us.

Regards

Tim and Pam Cash
Crye-Leike Realtors
931-338-1375 or 931-436-7617


The Cash Team - Making dreams come true one home at a time. Proudly serving the citizens of Clarksville and the Soldiers of Fort Campbell. To view available Clarksville properties, please visit our website at www.cashsofclarksville.com or email us at thecashteam@cashsofclarksville.comand we will run a custom search for you. Finding you and yours the perfect property in Clarksville Tennessee and surrounding areas is our goal.

Be sure to check out our other blog post Are you stil on the Fence?

Did you know that since Mortage Rate averages started being tracked in 1971 this past year they have been the lowest we have seen in the 30 year fixed rate?

If you have been like many prospective buyers - perched on the preverbial fence and waiting for that right time to swoop down, the time is now.

Everything is in your favor:

- Interest rates are at historic lows

- An $8,000 tax credit for first time home buyers.

- Home prices at drastically reduced levels in many areas.

So what are you waiting for? Call or email The Cash Team today and let us assist you in finding the home of your dreams in Clarksville Tennessee.

Regards

Tim and Pam Cash
Crye-Leike Realtors
931-338-1375 or 931-436-7617


The Cash Team - Making dreams come true one home at a time. Proudly serving the citizens of Clarksville and the Soldiers of Fort Campbell. To view available Clarksville properties, please visit our website at www.cashsofclarksville.com or email us at thecashteam@cashsofclarksville.comand we will run a custom search for you. Finding you and yours the perfect property in Clarksville Tennessee and surrounding areas is our goal.

Far from the 'Tour De France' - still Clarksville Tennessee Cycling is a growing sport and hobby. For years now I have had friends who have encouraged me to get into cycling. It was not until recently that I decided that I needed to get back into exercising. When I retired from the Army two years ago the VA Doctor told me that my days of running were behind me. This was disturbing to me as I always enjoyed running and it was something that I was rather good at - but years of pounding the pavement and trails, along with ruck marches and the art of jumping out of perfectly good aircraft for no particular reason had taken its toll.

Perhaps it was my turning the big FOUR 'O' that pushed me back to the gym and looking to cycling- or it could have been my giving up a bad tobacco habit (yet again) that was making me a tad restless. I suppose I don't know but none-the-less I broke down and bought me one of those Road Bikes that many of my friends have along with the bright and flashy jersey - spandex shorts and the whole NINE YARDS. I must admit I was excited to start into this hobby, although it was just as expensive as many of the other hobbies that we get into- the difference I suppose is that this is 'good for you'.

We won't get into the cost of entry into this sport/hobby was other than to say that I am starting at ENTRY LEVEL which those familiar will know is still a sizeable amount of money - but again it is worth it right? Afterall, everyone of my friends who cycle here in Clarksville continue to tell me that the feel INCREDIBLE after a short ride of 10 - 15 miles and that unlike running they can ride EVERY DAY. Oh yeah, that is what I need - I need to FEEL INCREDIBLE in my old age.

Bought the bike and all associated items needed to get started this past week, but did not get the bike fitted until yesterday evening. I must say I was anxiously awaiting my initial Clarksville Tennessee Cycling experience. I plotted my route using www.mapmyride.com on Thursday. After talking to a few different cyclist of varying experience I decided a 13 mile trek was appropriate for my first ride through the Clarksville and Sango.

This morning, without fail, I jumped out of bed just after sun-up - dressed in full 'cycling' regalia to include gloves, sunglasses, reflective belt and helmet and set out on my journey! My biggest fear was the shoes being snapped into the pedals - I had heard enough horror stories about simply falling over from a cyclist's inability to get their shoe out of the pedal in time - this was not a problem - I was an INSTANT PRO at that.

OFF INTO THE VAST UNKNOWN I WENT. Um, folks, friends, BUDDIES, you forgot to tell me about the hills and the fact that no matter how much I down shifted it simply did not make the incline go away. Also, you forgot to mention that the searing pain in my thighs (not to mention my buttocks) would feel like somebody slapped me with a 2x6! It was all I could do to make it - but make it I did.

Now 'friends', 'buddies', 'PALS', let's talk about this INCREDIBLE FEELING that you all described. I would certainly like to know your definition of incredible. I guess you could call what I am feeling as incredible - INCREDIBLE FATIGUE! Not to mention the discomfort when I sit!

Okay, enough whining on my part. To be honest with you folks, my feeling beat down is because I did not 'take it easy' as I simply don't know the meaning of such. I pushed myself as hard as I could (dumb I know) and kept a steady pace for as long as I could. The key, besides not hurting myself is to stick with it which I intend to do. I am not looking to compete with Lance Armstrong, but I would certainly like to be able to stick with the pack and join some of those in the Clarksville Tennessee Cycling Club on some of their rides once I build up some endurance and stamina.

For those of you who are interested in learning more about cycling or who are moving to Clarksville Tennessee and are looking for information on Clarksville Tennessee Cycling, below are some links for you. There are some wonderful routes in Clarksville and on Fort Campbell to enjoy. From the novice to the downright 'make me scream for momma!' routes I believe there are enough to challenge all. And who knows, maybe we will pass each other on a ride some day soon.

http://www.mapmyride.com/find-ride/united-states/tn/clarksville

http://www.clarksvillecyclingclub.com/routes.html

http://www.clarksvillecyclingclub.com/

http://www.clarksvillecentury.com/

http://www.mapmytri.com/find-workout/united-states/tn/clarksville

http://www.littlerivercyclingclub.com/

Clarksville Area Bike Shops:

http://www.bikesandmoore.com/

http://www.thebicyclecenter.com/

Regards

Tim and Pam Cash
Crye-Leike Realtors
931-338-1375 or 931-436-7617


The Cash Team - Making dreams come true one home at a time. Proudly serving the citizens of Clarksville and the Soldiers of Fort Campbell. To view available Clarksville properties, please visit our website at www.cashsofclarksville.com or email us at thecashteam@cashsofclarksville.comand we will run a custom search for you. Finding you and yours the perfect property in Clarksville Tennessee and surrounding areas is our goal.

Be sure to see my post Welcome Home Ceremony