Lisa Stepp-Seritt NMLS # 680403 Mpire Financial, Sr. Loan Officer

Lisa Stepp-Seritt NMLS # 680403 Mpire Financial, Sr. Loan Officer I help homeowners and real estate investors across the U.S. All links & resources: https://t.mtrbio.com/steppupyourgame

Mortgage & real estate financing specialist | Mpire Financial NMLS # 2108504 | NMLS # 680403 | Equal Housing Opportunity Lender | 24+ yrs helping homeowners & investors nationwide buy, refinance, and unlock equity in residential properties—including short‑term rentals, long‑term rentals, renovation projects, primary homes, and reverse mortgages—backed by 24+ years of mortgage and real estate financing experience. Services include:
– Short‑term and mid‑term rental financing
– Long‑term rental and portfolio / DSCR loans
– Primary home purchase and refinance
– Renovation, construction, and value‑add loans
– Reverse mortgages and equity‑release strategies

Mpire Financial NMLS # 2108504
NMLS # 680403
Equal Housing Opportunity Lender

Based in Knoxville, serving clients nationwide.

10/02/2026

Veterans: struggling to find the right home? Your VA benefits may give you more options than you realize. 🇺🇸

Eligible borrowers can explore VA financing to:
🏡 Purchase a home
🔨 Build a new home
🛠️ Buy a home that needs qualifying repairs or improvements

Construction and renovation options depend on the lender, property and program requirements.

I’m Lisa Stepp-Seritt with Mpire Financial. With 25 years of mortgage experience, I help you understand your options and take the next step with confidence—whether you’re exploring Knoxville, East Tennessee or another area where I’m licensed.

Ask me about Stepp Up Housing Rewards, too, and whether you qualify.

📩 DM me “VA” and tell me your goal: BUY, BUILD or RENOVATE. Let’s talk through what could work for you.

Lisa Stepp-Seritt | NMLS #680403
Mpire Financial | NMLS #2108504
Office: 865-352-8222 | Mobile: 518-894-0517

Equal Housing Opportunity. All loans subject to credit, income, eligibility and property approval. Program availability and restrictions apply. Not affiliated with or endorsed by the Department of Veterans Affairs or any government agency.

10/01/2026

“I’m waiting for mortgage rates to drop.”

That could make sense—but what if the home you want costs more by then? 🏡

A lower rate is only one piece of the puzzle. The purchase price, rent while you wait, closing costs, and opportunities to negotiate all matter.

In this video, I break down what to compare before you put your homebuying plans on hold—and when waiting may actually help.

Thinking about buying or moving to Tennessee? Let’s look at what makes sense for YOUR budget.

📩 DM me “COMPARE” to start the conversation.

Lisa Stepp-Seritt | NMLS #680403
Mpire Financial | NMLS #2108504
Equal Housing Opportunity. Subject to credit and underwriting approval. Examples are illustrative; future rates, home values, and refinancing are not guaranteed.

09/30/2026

Love your mortgage rate but need access to cash? Ready to buy, but worried about the payment? Self-employed and unsure how to qualify?

You may have more options than you realize.

From home equity loans and lines of credit to bank statement programs, renovation loans, and DSCR financing for investment properties—including short-term rentals—let’s explore what could work for you.

I’m Lisa Stepp-Seritt with Mpire Financial. With 25+ years in the mortgage industry, I help you understand your options so you can make an informed decision.

DM me for more information, and let’s look at your options.

Lisa Stepp-Seritt | NMLS #680403
Mpire Financial | NMLS #2108504
Office: 865-352-8222 | Mobile: 518-894-0517
https://LisaStepp.com

Equal Housing Opportunity. All loans are subject to credit and underwriting approval. Program availability, eligibility, rates, terms, and fees vary. Not a commitment to lend. Home equity loans and lines of credit are secured by your home; failure to repay could result in foreclosure. Available only where licensed.

09/25/2026

Can you buy a fixer-upper with a VA loan? **Eligible buyers may be able to finance the purchase and qualifying repairs in one mortgage through a participating lender.** 🏡🔨

Before making an offer, check:
✅ Does the renovation program allow the repairs needed?
✅ What contractor approvals and estimates are required?
✅ What will your payment and cash to close look like?

Not every property qualifies, and not every VA lender offers renovation financing. Get the answers before committing to a home that needs work.

**Found a property with potential? DM me “VA” with the listing and the state you’re buying in. Let’s explore whether VA renovation financing fits your plans.**

Read the full guide:
https://blog.lisastepp.com/post/va-renovation-loan-fixer-upper

Lisa Stepp-Seritt | NMLS #680403
Mpire Financial | NMLS #2108504

Equal Housing Opportunity. Subject to borrower eligibility, credit, income, property and lender approval. Program availability and requirements vary. Not affiliated with or endorsed by the Department of Veterans Affairs.

09/24/2026

Seller credits or a price reduction—which should you ask for when buying a home? 🏡

A $10,000 price reduction and a $10,000 seller credit can affect your finances differently. The right choice depends on your cash to close, monthly payment and long-term plans.

In this video, I explain:
✅ How a lower purchase price can affect your loan amount
✅ How seller credits may reduce eligible closing expenses
✅ When discount points or a temporary buydown may be worth comparing
✅ Why you should run the numbers BEFORE negotiating

**Have a home picked out? DM me “OFFER” with the listing and tell me your biggest concern: cash to close or monthly payment. Let’s compare financing scenarios before your next offer or counteroffer.**

Agents: Have a buyer negotiating this week? Let’s review the numbers together.

Visit LisaStepp.com for more home buying tips and financing resources.

Lisa Stepp-Seritt | NMLS #680403
Mpire Financial | NMLS #2108504

Equal Housing Opportunity. Examples are illustrative. Seller credits and buydowns are subject to program limits and lender approval. All financing is subject to underwriting; availability and terms vary.

09/23/2026

Self-employed and buying a home? **A bank statement loan may offer another way to qualify.** 🏡

If your tax returns make mortgage qualification challenging, certain programs may use eligible personal or business bank deposits to evaluate income instead.

In this video, I explain:
✅ How bank statement mortgage programs work
✅ Why every deposit doesn’t automatically count as income
✅ What else lenders review before approving a loan

**Already house hunting—or told your qualifying income was too low? DM me “BUSINESS” with the state you’re buying in and when you hope to move. Let’s review your options before you put your plans on hold.**

Visit LisaStepp.com for more homebuying tips and financing resources.

Lisa Stepp-Seritt | NMLS #680403
Mpire Financial | NMLS #2108504

Equal Housing Opportunity. Financing is subject to credit, income, property and lender approval. Program availability, documentation requirements and terms vary by lender and state.

09/22/2026

Buying a short-term rental? Before you make an offer, check whether the property fits your financing. 🏡

An attractive rental projection doesn’t automatically mean the income will qualify for a DSCR loan.

In this video, I cover three questions to ask early:
✅ What rental income will the lender accept?
✅ How much cash will you need beyond the down payment?
✅ Does the loan fit your plans—including any prepayment penalty?

**Have a property picked out? DM me “PROPERTY” with the listing link and your estimated down payment. Let’s review the financing questions before you make your offer.**

Visit **LisaStepp.com** for more short-term rental purchasing tips and financing resources.

Still browsing? Save this video for your next property tour.

Lisa Stepp-Seritt | NMLS #680403
Mpire Financial | NMLS #2108504

Equal Housing Opportunity.

Financing is subject to borrower, property and lender approval. Program availability and requirements vary by state and lender.

09/21/2026

Love the location. See the potential. But the house needs work. 🏡🔨

Before you cross it off your list, ask about VA renovation financing.

Eligible buyers may be able to combine a home purchase and qualifying repairs into one mortgage through a participating lender.

▶️ Watch to learn what to consider BEFORE making an offer.

💬 Message me “VA” and let’s discuss the property you have in mind.

Lisa Stepp-Seritt | NMLS #680403
Mpire Financial | NMLS #2108504

Equal Housing Opportunity.

Buyer, property and project must qualify. Program availability and lender requirements vary.

09/17/2026

Buying an investment property? 🏠📈

Start with the financing—not the property.

Your loan options can depend on the property type, qualifying rental income, cash requirements, and your overall investment strategy.

And if you're considering DSCR financing, the numbers on the listing aren't necessarily the numbers a lender can use.
Already looking at a property?

Let's review the financing before you make the offer.

LisaStepp.com → Review My Deal

Lisa Stepp-Seritt | NMLS #680403
Mpire Financial
Equal Housing Opportunity

09/07/2026

Should you pay discount points to permanently lower your mortgage interest rate?

Maybe—but the lower rate isn’t the only number that matters.

Before paying points, calculate:

✅ The upfront cost
✅ Your monthly savings
✅ Your break-even point
✅ How long you expect to keep the mortgage

If you sell or refinance before reaching the break-even point, paying points may not have been the best use of your money.

Never buy a lower rate simply because it looks better on paper.

Comment or message me **BUY DOWN**, and I’ll help you compare the cost, potential savings, and break-even point.

Lisa Stepp-Seritt | NMLS #680403
Mpire Financial | NMLS #2108504
Equal Housing Opportunity

Loan programs, interest rates, seller-contribution limits, and eligibility requirements vary. This information is for educational purposes only and is not a commitment to lend. All loans are subject to application, underwriting, and approval.

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Knoxville, TN
37931

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