Steven Tiberio, Realtor: KW, Veteran-Owned and Community-Focused

06/06/2026

💡 The best real estate advice you’ll hear today: Hire a Realtor who can afford to tell you "no."

It sounds counterintuitive, right? You want an agent who is eager and motivated. But there is a massive difference between being motivated to help you and being desperate to close a deal.

When an agent is financially stable and established in their career, they gain a superpower: unbiased honesty.

They can afford to tell you:
❌ "This house has too many red flags, let's pass."
❌ "You're overpaying for this neighborhood.
❌ "The market is shifting, we should wait.
‘You deserve an advocate, not just a salesperson.

Looking for honest, no-BS real estate guidance? Let’s chat.

05/27/2026

🏡 If you are looking for a beautiful move in ready home look no further.

This beautiful home is available at 3726 Crisscross Ct, only minutes from Ft Campbell and it’s one you’ll want to see in person.

This home offers the space, comfort, and location that many buyers are looking for right now. Whether you’re purchasing your first home, moving up for more space, or relocating to the area, this is a strong option to consider.

✨ Quiet cul-de-sac location
✨ Great layout for everyday living
✨ Convenient access to shopping, dining, and Fort Campbell

Homes in this area tend to move quickly. If you’d like photos, pricing details, or to schedule a private showing, reach out directly.

📩 Message me for more information.

https://go.realtracs.com/1fw9V9V

— Steven Tiberio
Tiberio Veterans Group
Keller Williams Real Estate

$342,000 3 Beds, 2/1 Baths, 1748 SqFt

05/25/2026

Standing in a place where sacrifice is not just remembered—but felt.

Today we honor those who gave everything for this country. The rows of headstones and the Tomb of the Unknown Soldier serve as a powerful reminder that freedom comes at a cost.

Grateful for those who never made it home.

05/09/2026

Fannie Mae and Freddie Mac will now accept mortgages using a credit scoring model that counts on-time rent payments, a change that could make 7.7 million Americans mortgage-eligible and unlock an estimated $777 billion in new mortgage volume.

04/23/2026

Quick market tip for Middle TN buyers 👇
Inventory is finally loosening up, but the homes getting multiple offers right now share one thing in common: they're priced right from day one.
If you're shopping, don't skip a listing just because it's been sitting. Sellers who adjust are often the most motivated — and that's where the real negotiating room lives.
Questions about a specific home or neighborhood? Send me a DM.

04/08/2026

VA loan Debunked VA does not fund construction Loans

Technically, you are right that the VA doesn't fund them directly (just as they don't fund standard home loans—they only guarantee them). However, the real hurdle isn't the VA; it's the lenders.

Listen, I hear this from clients all the time, and it’s a total "myth-conception" that’s costing veterans the chance to build their dream homes.
As a Realtor, I’m here to tell you: The VA absolutely allows construction loans. The problem isn't the VA; it's that most "big box" lenders just don’t want to do the paperwork.
Here is the "Realtor-to-Client" breakdown of what’s actually happening:
1. The VA "One-Time Close" (The Unicorn)
The VA has a specific product called the One-Time Close (OTC) Construction Loan. It is hands-down the best deal in real estate because it allows you to:
• Buy the land and build the house with 0 down.
• Close once. You don’t pay two sets of closing costs.
• Lock in your permanent interest rate before the first brick is even laid.
2. Why "Everyone" Says They Don't Exist
If you walk into a standard bank, they’ll tell you "the VA doesn't do that." What they actually mean is: "Our bank doesn't want the headache."
• Lender Risk: Construction is messy. Projects get delayed, builders go broke, and materials get stolen. Most lenders prefer "turn-key" homes because they are easier to sell on the secondary market.
• The "Two-Step" Workaround: Most lenders will try to push you into a high-interest, 12-month local construction loan and tell you to "refinance into a VA loan later." Don’t fall for this unless you have to; it’s more expensive and you risk interest rates jumping while you build.
3. The Realtor’s Reality Check
If you want to use your VA benefits to build, you need two things that are hard to find:
1. A Specialized Lender: You need a specialized VA lender that specifically handles "OTC" loans. They are out there, but they don't usually have branches on every corner.
2. A VA-Registered Builder: The builder must have a VA Builder ID. If your dream builder doesn't have one, they have to apply for it. It's not hard, but many custom builders are "old school" and hate the extra government oversight.

If you find a piece of land you love, don't let a loan officer who just wants an easy commission tell you it’s impossible. We just need to pivot to a lender who knows how to navigate the VA construction handbook.

Are you looking at a specific lot right now, or are you still in the "is this even possible" phase?

04/04/2026

You’re Invited: Tour This Home In Person

04/04/2026

VA Loan Myths: DEBUNKED 🛡️🇺🇸
Think you can’t use a VA loan if your credit isn't perfect? Or that it's a "one-time use" benefit? Think again.
❌ Myth: The VA requires a 640+ credit score.
✅ Fact: The VA actually has no minimum score. While lenders have their own rules (usually around 620), we look at your whole financial picture, including your "residual income."
❌ Myth: You can only use it once.
✅ Fact: This is a lifetime benefit. You can restore your entitlement every time you sell, or even use "bonus entitlement" to buy your next home while keeping your first!
❌ Myth: You have to pay a massive funding fee out of pocket.
✅ Fact: Most Vets roll the fee into the loan. AND, if you have a 10%+ disability rating, you pay $0 in funding fees. 🙅‍♂️
Ready to unlock the benefits you earned? DM me to see what you qualify for! 📩

03/31/2026

Your private cul-de-sac retreat in Clarksville is hitting the market! Step into this beautifully maintained 3-bedroom,
2.5-bathroom home located in the heart of Clarksville’s desirable 37040 zip code. Situated at the quiet end of a cul-de-sac, this ~1,748 sq. ft residence offers the perfect blend of privacy and community.
Spacious Interior: An open-concept main level featuring a bright living area, a modern kitchen with ample cabinetry, and a dedicated dining space perfect for hosting. • Primary Suite Retreat: Enjoy a large primary bedroom with a private en-suite bath and generous closet space. • Outdoor Oasis: One of the largest lots in the neighborhood at 0.35 acres, providing a massive backyard for pets, play, or weekend BBQs.
Location, Location: Less than 20 minutes to Fort Campbell and minutes from local shopping, dining, and easy interstate access
for Nashville commuters. This move-in-ready gem won't last long.
Schedule your private tour today! MLS # 3145027