Fort Campbell Military Realtors

Veteran-Owned & Operated

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Plan your Fort Campbell purchase, sale or PCS with an Army veteran Realtor serving Clarksville, Oak Grove, Hopkinsville, Cadiz, Dover, Woodlawn and surrounding communities.

Fort Campbell Veteran & Military-Spouse Realtors
Military Homebuyer Specialists
Military Home Selling Experts
Trusted VA Loan Officers

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Home at 554 Judah Circle, Clarksville, TN 37042

VA ASSUMABLE5.5%

Military-Owned Agent-Listed

1 / 10

For Sale

$315,000

554 Judah Circle

Clarksville, TN 37042

Nearby BaseFt. Campbell, KY

Home at 4923 4923 Royal View Way Lot 77, Clarksville, TN 37040

Veteran-Owned Agent-Listed

1 / 12

For Sale

$644,900

4923 4923 Royal View Way Lot 77

Clarksville, TN 37040

Nearby BaseFt. Campbell, KY

Home at 821 Wicklow Rd, Baltimore, MD 21229

VA ASSUMABLE7.14%

Veteran-Owned Agent-Listed

1 / 10

For Sale

$240,000

821 Wicklow Rd

Baltimore, MD 21229

Nearby BaseFort George G. Meade. Another closer, though smaller, military installation is the Coast Guard Yard in Curtis Bay, which is about 9 miles away.

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Promote a sale, rental, or VA assumable opportunity to military families planning their next move.

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Local Military Real Estate Experts

Meet Your Fort Campbell Army Veteran Realtor

Karla Mullen is a U.S. Army veteran, licensed in Tennessee and Kentucky, helping military families compare Fort Campbell communities on both sides of the state line.

Karla Mullen

Realtor ☆ Army Veteran

Bio:

My military service may have ended, but my desire to serve others never did. As... More...

PCS JOES Verified Local Expert

About Karla

Karla Mullen is a U.S. Army veteran and REALTOR® licensed in Tennessee and Kentucky, helping military members, veterans, and families navigate homebuying, selling, and PCS moves throughout Fort Campbell, Clarksville, Hopkinsville, and the surrounding region. She attained the rank of Sergeant First Class while serving in the Military Police Corps, where she developed the integrity, leadership, dedication, and attention to detail that continue to guide her work. Karla’s commitment to veterans continued beyond her military service through roles helping Tennessee veterans find employment, supporting a grant program for homeless veterans, helping establish a local veteran-support organization, and remaining active with veteran organizations in her community. Supporting those who served is personal to her—not simply part of her business.

As a Tennessee and Kentucky veteran Realtor, Karla understands the pressure of relocating, starting over in an unfamiliar area, and making major housing decisions on a military timeline. She provides honest guidance, clear communication, and practical local insight so buyers and sellers can move forward with confidence. Her goal is to make every transaction less stressful, build lasting relationships, and treat every client the way she would want her own family treated. From military service to real estate, it remains Karla’s honor to serve.

Vetted PCS JOES Partner

Local Tennessee & Kentucky Expert

Military Community Focused

Communities Karla Serves

Clarksville, TN

Oak Grove, KY

Hopkinsville, KY

Cadiz, KY

Dover, TN

Woodlawn, TN

Pleasant View, TN

Springfield, TN

White House, TN

Nashville, TN

Military Bases Karla Serves

Fort Campbell (KY/TN)

Berry Field Air National Guard Base (TN)

Volunteer Training Site Smyrna (TN)

Houston Barracks (TN)

Don't see your area? This agent serves additional communities beyond those listed. Reach out directly to confirm coverage and get expert local guidance.

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Why Heroes Prefer Our Fort Campbell Military Realtors

We connect you with veteran and military-spouse Realtors who understand PCS life, VA loans, and what matters most to your family.

Veteran & Mil-Spouse Realtors

Work with professionals who understand military timelines, transitions, and family priorities.
VA Home Loan Experience

Navigate VA financing, appraisals, and property requirements with informed local guidance.
Local Area Knowledge

Compare communities, schools, and commute options throughout Fort Campbell.
Exclusive Heroes Bonus*

Receive up to 10% of your Realtor’s commission toward eligible closing costs. Restrictions apply.
Free Marketing Analysis

Review Fort Campbell pricing, market competition, and sale readiness before listing your home.
Military Homebuyer Support

Plan tours, offers, inspections, and closing around orders and reporting dates.
Remote PCS Support

Tour homes virtually and coordinate your Fort Campbell move before you arrive.
Military Home Selling Experts

Prepare, price, and market your home around PCS orders and military timelines.

How PCS JOES Supports Your Fort Campbell Move

Whether you are buying before arrival, selling around PCS orders, or comparing commute options near Fort Campbell, PCS JOES helps connect you with a vetted local Realtor who understands military moves. Your Realtor can coordinate virtual tours, explain neighborhood and school considerations, help you prepare for VA financing, and keep the transaction aligned with your reporting timeline.

Connect With a Fort Campbell Veteran Realtor

Training Matters. Experience Matters More.

MRP Training + Real Military Experience

An MRP-certified agent has completed specialized military relocation training, including foundational education about VA financing. It is a valuable credential—but it is not the only measure of whether an agent understands your move.

Some PCS JOES Realtors are MRP certified. We do not require the designation because all PCS JOES Realtors are veterans or military spouses with firsthand experience navigating military life, PCS timelines, and the realities facing military families.

A certification provides foundational training. PCS JOES adds lived military experience, local real estate expertise, and veteran VA loan officers whose work is focused primarily on VA borrowers.

Why That Matters for Your PCS

Military relocation knowledge
Guidance shaped around orders, reporting dates, deployments, and remote home searches.
Veteran VA loan experts
Our veteran loan officers primarily process VA loans and understand VA eligibility, appraisals, property requirements, benefits, and closing from the inside out.
Firsthand understanding
An agent who understands military family priorities because they have lived the lifestyle.
Local market guidance
Help comparing neighborhoods, schools, commute times, and access to your installation.

Local experience: Our Fort Campbell military Realtors help families compare communities and commute options around Fort Campbell.

Nationwide VA Loan Support

Meet Our VA Loan Officers Serving Fort Campbell

Get expert guidance on VA loan preapproval, eligibility requirements, VA mortgage rates, and financing options tailored to your homebuying goals.

Matt Elliott

VA Loan Officer

Tennessee VA Home Loan Lender Bio:

Matt Elliott is a Marine Corps veteran and Veteran Mortgage Loan Originator with the Veteran... More...

Local Tennessee VA Home Loan Support

VA Loan Guidance for Fort Campbell

Matt Elliott is a Marine Corps combat veteran and trusted VA Home Loan Lender who helps service members, veterans, and military families nationwide navigate the VA home loan process with clarity and confidence. For homebuyers moving to Fort Campbell, Tennessee, Matt provides guidance on VA preapproval, eligible financing costs, and preparing a competitive offer for the local market. Support is available for PCS homebuyers moving near Fort Campbell.

Tennessee VA Home Loan Guidance

VA Preapproval Support

Military and Veteran Homebuyer Focused

VA Loan Support Near Fort Campbell Military Bases

Fort Campbell

Contact Matt to discuss VA loan options for your move to Fort Campbell, Tennessee.

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Bryant Mateus

VA Loan Officer

Tennessee VA Home Loan Lender Bio:

Bryant Mateus is a United States Air Force Academy graduate, Air Force Reserve Major, and... More...

Local Tennessee VA Home Loan Support

VA Loan Guidance for Fort Campbell

Bryant Mateus is a United States Air Force Academy graduate, Air Force Reserve Major, and experienced VA Home Loan Lender dedicated to helping veterans, active-duty service members, and military families navigate the VA loan process with confidence. For homebuyers moving to Fort Campbell, Tennessee, Bryant provides guidance on VA preapproval, eligible financing costs, and preparing a competitive offer for the local market. Support is available for PCS homebuyers moving near Fort Campbell.

Tennessee VA Home Loan Guidance

VA Preapproval Support

Military and Veteran Homebuyer Focused

VA Loan Support Near Fort Campbell Military Bases

Fort Campbell

Contact Bryant to discuss VA loan options for your move to Fort Campbell, Tennessee.

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Ready For Your Next Move?

PCSing to Fort Campbell? We've Got Your Six.

Plan your Fort Campbell move with Karla Mullen, an Army veteran Realtor who understands military transitions, VA homebuying and long-distance relocation.

CONNECT WITH CLARKSVILLE VETERAN REALTORS Browse Homes

Live Near Fort Campbell Bases

Popular Communities with Fort Campbell Military Families

From neighborhoods close to base to surrounding communities across the Fort Campbell area, military families have several options when PCSing to Fort Campbell. Our local Fort Campbell military realtors can help you compare commute times, lifestyle, and housing options before your next move.

Largest nearby city and a primary Fort Campbell housing market

Clarksville, TN

Clarksville offers the region’s broadest mix of established neighborhoods, newer construction, rentals, shopping and services. Compare the actual route to the assigned gate, school boundaries, property taxes, flood exposure and total monthly cost.

Kentucky community immediately north of Fort Campbell

Oak Grove, KY

Oak Grove can provide short access to parts of Fort Campbell and a strong military-oriented rental and resale market. Review the specific gate route, property condition, school assignment and Kentucky ownership costs.

Larger Kentucky market north of the installation

Hopkinsville, KY

Hopkinsville offers established neighborhoods, services and a wider housing mix than many smaller border communities. Test the commute to the member’s unit and compare taxes, insurance, utilities and future resale demand.

More rural Kentucky option west of Hopkinsville

Cadiz, KY

Cadiz may appeal to households seeking more space or a small-town setting. The tradeoff is a longer drive, so evaluate the actual duty schedule, road conditions, utilities, internet access and property maintenance.

Small-town and rural options west of Clarksville

Dover, TN

Dover offers a more rural setting and access to outdoor recreation. Buyers should compare the Fort Campbell commute, septic or utility systems, internet availability, insurance and the property’s long-term resale audience.

Rural-suburban community west of Clarksville

Woodlawn, TN

Woodlawn can offer larger lots and a quieter setting while remaining connected to Clarksville and Fort Campbell. Review commute routes, utilities, drainage, broadband and the total cost of maintaining the property.

Southeast Clarksville area with access toward Nashville

Sango, Clarksville, TN

Sango is part of Clarksville and offers established and newer neighborhoods southeast of the city center. Military buyers should test the longer drive to their assigned Fort Campbell gate and compare school boundaries, traffic, taxes and HOA costs.

County covering Oak Grove, Hopkinsville and surrounding areas

Christian County, KY

Christian County includes both city and rural housing north of Fort Campbell. Compare the exact property’s route to the installation, school assignment, utilities, internet access, condition and Kentucky ownership costs.

Local PCS Planning

Resources For Your PCS to Fort Campbell

Explore trusted VA loan, PCS move, and military homeownership resources for service members, veterans, and military families.

VA LOAN GUIDANCE

VA Home Loan Education

Review VA eligibility, preapproval, appraisals and closing questions before you shop.

Learn More

Military family meeting with a VA loan expert to review homebuying options and VA home loan benefits

FREE DOWNLOAD

Military Homebuyer Guide

Use a step-by-step VA loan and PCS homebuying guide designed for service members and veterans.

Learn More

MILITARY ONESOURCE

PCS Move Checklist

Plan your move with official relocation checklists, timelines and Military OneSource tools.

Learn More

Real PCS JOES Experiences

Trusted By Military Families Nationwide

★★★★★

We could not be more satisfied with our experience working with Kyle! From our very first interaction...If you're looking for someone who provides expert guidance, timely responses, and gets it right every single time, Kyle is your guy. He made what could have been a stressful process feel smooth and confident. Highly recommend!

★★★★★

I bought a home near Nellis AFB. I used Matt Elliott Mortgage Loan Originator, a Marine Veteran as my Lender, and Air force Veteran Jonny Cosca as my realtor. They made the process quick, simple. and easy. Jonny and Matt are an outstanding team and I highly recommend using them to help purchase a home near Nellis and Creech AFB!!

★★★★★

I worked with Mortgage Loan Originator and Marine Veteran Matt Elliott for a year before I PCS’ed to Fort Hood...bought a home and the process was made easy! I highly recommend Mortgage Matt Elliott and PCS JOES for all your PCS home buying needs.

Questions Before Your Move

FREQUENTLY ASKED QUESTIONS

Every PCS JOES realtor goes through a strict vetting process before being accepted into our network. All agents are prior-service veterans or military spouses and must demonstrate proven experience working with military families, PCS timelines, and VA home loans. We also evaluate their local market expertise, communication standards, and track record of ethical, client-first service. This ensures every PCS JOES realtor understands military life and is equipped to guide you through a smooth, informed move.

No. PCS JOES does not sell advertising or charge agents to be listed on our platform. Our partner agents are carefully vetted veterans and military spouses selected for their experience, professionalism, and commitment to serving military families. When a military member chooses to work with one of our partners, PCS JOES may receive a referral fee after closing. A portion of that fee is reserved to support our PCS JOES military bonus, where permitted by state law, while the remainder allows us to provide our PCS concierge service at no cost to military members and their families.

Yes. As a result of the National Association of Realtors (NAR) settlement reached on March 15, 2024, real estate agents who use the Multiple Listing Service (MLS) to share property information are required to enter into written agreements with buyers before touring a home in person or virtually. For detailed information, please visit the official NAR settlement fact page.

PCS JOES began as a military-focused blog and was converted into a national referral network in 2021 while we were stationed at Lackland AFB. For several years, we maintained a large internal spreadsheet of vetted partner agents, allowing us to personally connect service members with trusted military realtors nationwide. Since starting retirement SkillBridge leave in late 2025, we’ve been transitioning that system onto the website by building base-specific landing pages and publishing PCS JOES realtor profiles so military families can browse agents and connect directly online. New locations are added weekly. While automation is helping speed up this process, every PCS JOES customer is still personally tracked and supported throughout their real estate journey. If you don’t see a landing page for your area yet, simply submit an inquiry on our homepage and we will personally connect you with the appropriate PCS JOES partner agent. Our goal is to have the system fully online by the end of 2026.

Tax Returns: Your VA loan officer needs to get the full story of your financial situation to provide an accurate preapproval. Generally, they want to see 2 years worth of tax returns to ensure your annual income is consistent with your reported earnings through pay stubs. You will likely need to sign a Form 4506-T to allow your lender to request copies of your certified tax returns from the IRS
Pay Stubs, W-2s, or Other Proof of Income: Lenders will want to see your most recent pay stubs to get a clear idea of your overall financial health. If you're self-employed or have other income sources (such as VA disability pay or child support), you may need to show proof through 1099 forms, direct deposits, or other mean.
Bank Statements & Other Assets: These items help your lender appropriately asses your risk profile.
Credit History: Credit reports are often necessary to assess your risk level. Be prepared to write a statement that explains any negative items--one-time unavoidable circumstances may be viewed differently than habitual delinquencies.
Gift Letters: You will need to provide a written confirmation of any money gifted to you to help you buy your home. This letter should include their relationship to you as the amount received.
Photo ID: A copy of your ID will be required to prove you are who you're claiming to be.

As soon as you receive your assignment notification. Many military families contact us 6–9 months before their PCS, even before orders are in hand. This early timeframe is ideal because it allows our VA loan officers to identify and resolve potential issues well in advance. Think of our PCS JOES lender partners as your personal financial coach—no matter your situation, they can build an action plan to strengthen your credit profile and position you for the best possible rate by the time you complete your PCS. We also regularly help service members with last-minute PCS moves in the 30–60 day window. While most home purchases close in 30–45 days once under contract, we’ve successfully completed closings in as little as 26 days.

Fort Campbell

PCS planning for Fort Campbell housing, schools, access, lodging, BAH and communities on both sides of the Kentucky–Tennessee line.

PCS to Fort Campbell

Our Fort Campbell veteran realtors help PCS families plan a move to Fort Campbell. Fort Campbell spans the Kentucky–Tennessee state line and supports a large Army population. Clarksville, Oak Grove, Hopkinsville, Cadiz, Dover and Woodlawn offer different gate routes, housing costs, school systems and state-specific considerations.

Popular Nearby Communities

Clarksville, TN - the largest nearby housing and services market
Oak Grove, KY - immediately north of the installation
Hopkinsville, KY - a larger Kentucky community north of Fort Campbell
Woodlawn and Dover, TN - west and southwest options with more rural housing
Cadiz, KY - a farther Kentucky option that may suit some households

Schools & Student Support

School assignment depends on the exact residence and current district boundaries.
Because this market crosses state and county lines, verify attendance zones, transportation and enrollment directly with the applicable district and the Fort Campbell School Liaison.

Gates & Installation Access

Fort Campbell is a secure installation; confirm current visitor, sponsor, identification and vehicle requirements before arrival.
Gate hours and access procedures can change due to operations, construction, holidays or security conditions.
Test the actual commute to the assigned unit and gate rather than relying only on mileage.

On-Base & Off-Base Housing

Compare on-post availability with off-post rent or purchase options before making a commitment.
Fort Campbell Housing Services advises service members to contact the office before entering an off-post rental, lease or purchase agreement.
Compare property taxes, insurance, utilities and state-specific costs for each address.

In-Processing

Coordinate with the sponsor and gaining unit before travel.
Keep orders, amendments, identification, travel receipts, personnel records, medical documents and housing paperwork accessible.
Follow current command instructions for the correct report location and arrival process.

Temporary Lodging & TLE

Reserve temporary lodging early and confirm eligibility, pet policies, cancellation requirements and reimbursement rules.
Keep confirmations and itemized receipts and verify any non-availability documentation requirements.

BAH & Cost of Living

Use the official DoD BAH lookup for the assigned duty-station ZIP code and current calendar year.
Rates vary by pay grade and dependency status and are not tied to the price of a specific home.
Budget for taxes, insurance, utilities, transportation and maintenance in addition to principal and interest.

Official Planning Resources

Need help comparing communities or planning a home purchase near Fort Campbell?

Connect With a Fort Campbell Veteran Realtor

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