Buyers Resources

Buyers Agency in Clarksville, TN

If you are searching for a home in North Tennessee or Southwest Kentucky, consider Clarksville, TN and the surrounding area. This thriving, mid-sized city in Tennessee has a lot to offer any homeowner. Whether you are relocating, buying for the first time or looking to build a new home, having the right buyers real estate agent in Clarksville, TN can help you realize your goals.

Mary McCooley at Berkshire Hathaway Home Services PenFed Realty works with buyers in Clarksville, Woodlawn and Oak Grove to help them find their ideal homes. This area has a lot to offer and we are excited to help you through the process of buying.

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Reasons To Buy A Home in Clarksville

Clarksville is a city located in Tennessee. With a 2020 population of 161,686, it is the 5th largest city in Tennessee (after Nashville, Memphis, Knoxville, and Chattanooga) and the 158th largest city in the United States. Clarksville is currently growing at a rate of 1.11% annually and its population has increased by 21.63% since the most recent census, which recorded a population of 132,929 in 2010. Clarksville reached it's highest population of 161,686 in 2021. Spanning over 99 miles Clarksville has a population density of 1,637 people per square mile. Much of this growth is likely due to the strong economic opportunities in the area. With major employers including American Standard, Google, LG, Jostens and more, the city has a relatively high per capita income for the state.

Furthermore, the housing market is relatively accessible. The average price per square foot is $100 to $150. Values in Clarksville are about 31% below the national average, meaning that buyers can get a lot for their money. By working with the right buyers agency in Clarksville, TN, families and individuals can find the right home no matter what their budget is.

Why Choose Mary McCooley at Berkshire Hathaway Home Services PenFed Realty

Mary McCooley is an experienced buyers real estate agent in Clarksville, TN. She hold the ABR designation - Accredited Buyers Representative. She will help you with the process from start to finish including financing, finding the right home, making an offer and closing the deal.

Buying a home isn’t a simple process. Whether you are looking for your first home or your fifth, you need the help of an agent that is dedicated to your success. Mary also can help with military relocation and buying foreclosures or new construction. No matter what your goals are, we are in your corner.

Contact Mary McCooley Today

Choose Mary as your buyers agency in Clarksville, TN. No one will work harder to help you get the right home for the right price. Contact Mary today.

Choosing a Realtor®

Of all the decisions you'll face when buying a home, there's none more important than the person you choose to represent you.

The job of your Sales Associate is to support you in finding the right home with the best possible terms, and to aid you through the entire process. Your Sales Associate will explain the process of buying a home, and familiarize you with the various activities, documents and procedures that you will experience throughout the transaction.

Tips For Selecting A Realtor®

Your Real Estate Professional should be:
  • Knowledgeable about the communities of interest to you.
  • Aware of the complicated local and state requirements affecting your transaction.
  • Effective in multi-party, face-to-face negotiations.
  • Highly-trained, with access to programs for continued learning and additional certifications.
  • Technology-focused.
  • Supported by professional legal counsel.


  • Most real estate professionals and mortgage lenders recommend pre-qualifying for a loan before selecting a home to purchase. This process will help you:
  • Determine the price range you can afford.
  • Understand the types of loans you qualify for.
  • Determine what your monthly payment will be.
  • Estimate the down payment and closing costs.

The Loan Process

Your Sales Associate will help you to select a mortgage lender. Once you have made your decision, these are the steps of the process:

Application - All pertinent documentation is obtained. Fees and down payments are discussed, and the borrower will receive a Good Faith Estimate (GFE) and a Truth-in-lending statement (TIL), itemizing the rates and associated costs for the loan.

You will be asked to provide certain documents to your lender in order that your loan can be processed in a timely manner.

Loan Submission - Once all the necessary documentation is in, your completed file is submitted to a lender for approval.

Loan Approval (Underwriting) - Loan approval, or underwriting, generally takes 24 to 72 hours. All parties are notified of the approval and any loan conditions that must be received before the loan can close.

Closing - Once all parties have signed the loan documents, they are returned to the lender. If all the forms have been properly executed, the lender sends the loan funds by wire transfer. At this point, the borrower finishes the loan process and actually buys the house.

Finding and Choosing the Right Home

Based on criteria that you and your Sales Associate establish together, your Associate will help you find the perfect home. There are many factors to consider in selecting a property, including location, bedroom and bath count, schools and amenities.

Your Sales Associate will apply their extensive community knowledge and professional resources to research available properties, and show you the homes that best meet your needs. If you find a property that interests you through the Internet or your own research, let your Sales Associate know so that a showing can be arranged.

As you view different properties, your criteria may change. Open and direct communication with your Sales Associate is a key element of a successful property search.

Making an Offer

Once you have found the home that you wish to purchase, your Sales Associate will apply their professional training and do all the necessary research to help you structure an effective offer.

This is where your Sales Associate's negotiation skills come into play. When an offer is made, the seller will have the option of accepting, rejecting or counter-offering. Your Sales Associate will negotiate the best possible terms for you.

Your Sales Associate will draft the purchase agreement, advising you of protective contingencies, customary practices, and local regulations. Home warranty, title and escrow arrangements will be detailed in the offer. Although your Sales Associate will give you advice and information, it is your decision as to the exact price and terms that you wish to offer.

Managing the Escrow

When the purchase agreement is accepted and signed by all parties, your Sales Associate will open escrow for you and your earnest money will be deposited. The escrow is a neutral third party that will receive, hold, and distribute all funds associated with your transaction.

Removing Contingencies

Prior to closing escrow, all of the contingencies of the Purchase Agreement must be met. Your Sales Associate will coordinate this process. Typical contingencies include:
  • Approval of the Seller’s Property Disclosure Statement.
  • Approval of the preliminary title report.
  • Loan approval, including an appraisal of the property.
  • Physical inspections of the property.
  • Pest inspection and certification.
  • Acquisition of homeowner's insurance.

Closing Escrow and Moving In!

When all of the conditions of the purchase agreement have been met, you will sign your loan documents and closing papers. You will deposit the balance of your down payment and closing costs to escrow, and your lender will deposit the balance of the purchase price. The deed will then be recorded at the County Recorder's office and youwill take ownership of your home


Your Sales Associate is a valuable source of helpful tips for planning and coordinating your move.

Mary McCooley
Mary McCooley
Affilate Broker
2503 Wilma Rudolph Blvd Clarksville TN 37040
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