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 financi

ng 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.

06/09/2026

—
Lisa Stepp NMLS #680403 | Mpire Financial NMLS #2108504 | Equal Housing OpportunityStop asking what the rate is. Start asking what the payment feels like. 👇

Two buyers can have the same loan and one sleeps fine while the other panics every month. The difference isn't the rate — it's whether the payment fits the life.

The question I ask every client first:
💭 What monthly number lets you still go to dinner Friday, save a little, and not dread the 1st?

That's your "comfort number." Everything else — price range, loan type, timing — gets built around it.

Comment COMFORT and I'll send you the worksheet I use with every client. Takes 10 minutes.

24 years. Let's make it fit your life.

06/08/2026

🏡 "We're waiting for rates to come down."

I hear that almost every week.

And while that sounds like a smart strategy, here's the question most buyers aren't asking:

What is waiting costing you?

If rates drop, more buyers may jump back into the market.

That could mean:
✅ More competition
✅ More multiple-offer situations
✅ Higher home prices

The truth is nobody knows exactly where rates will be six months from now.

What we do know is that buying a home is about more than interest rates. It's about your goals, your timeline, and your overall financial strategy.

The best time to buy isn't when the headlines tell you to.

It's when you're financially and personally ready.

I'm Lisa Stepp-Seritt. For more than 25 years, I've helped buyers make informed mortgage decisions based on facts, not fear.

📩 DM RATES and let's discuss your options.

Lisa Stepp-Seritt
25+ Years in the Mortgage Industry
Serving clients the way I expect to be served.

After 24+ years in the mortgage world, I’m doubling down on what I do best: helping homeowners and real estate investors...
06/07/2026

After 24+ years in the mortgage world, I’m doubling down on what I do best: helping homeowners and real estate investors make smarter financing decisions.

I help clients across the U.S. buy, refinance, and unlock equity in residential properties—including short‑term rentals, long‑term rentals, renovation projects, primary homes, and reverse mortgages.

If you’re looking at a deal (or your current mortgage) and want a second set of eyes on the numbers and structure, this is what I do all day.

Based in Knoxville, serving clients nationwide.

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

Tap this link for all my resources and ways to work with me:

https://t.mtrbio.com/steppupyourgame

06/05/2026

🏡 Veterans: Don't overlook homes that need a little work.
Many buyers don't realize the VA Renovation Loan allows eligible veterans to purchase a home and finance improvements into a single mortgage.
That could mean more inventory, more opportunity, and potentially instant equity.
Thinking about buying but can't find the perfect home?

Comment or DM RENOVATE and let's talk about your options.

Lisa Stepp-Seritt
Mpire Financial
NMLS # 680403
Serving veterans and homebuyers with personalized mortgage solutions.

06/04/2026

🚫 Myth: You Need 20% Down to Buy a Home

I can't tell you how many people I've spoken with who waited years to buy a home because they believed they needed 20% down.

The truth?

Many buyers qualify with much less.

✅ Conventional loans may allow as little as 3% down
✅ FHA loans may require as little as 3.5% down
✅ Eligible veterans may qualify for 0% down VA financing

The biggest mistake you can make is assuming you don't qualify without having a conversation first.

Homeownership may be closer than you think.

I'm Lisa Stepp-Seritt. For more than 25 years, I've helped buyers understand their options and build a plan that works for their goals.

📩 DM DOWNPAYMENT to learn what programs may be available to you.

Lisa Stepp-Seritt
25+ Years in the Mortgage Industry
Serving clients the way I expect to be served.

06/03/2026

A pre-approval letter is only as strong as the work behind it. Before you make an offer, make sure your income, assets, and credit have been properly reviewed. Sellers want confidence that a buyer can close. After 25+ years in the mortgage industry, I've learned that preparation wins. DM PREAPPROVAL to see what a professional mortgage review looks like.

Lisa Stepp-Seritt
25+ Years in the Mortgage Industry
Serving clients the way I expect to be served.

06/02/2026

This right here - seller's and realtors!

Thinking about a price reduction?
You may not need one.
A temporary rate buy down can help lower a buyer's monthly payment while allowing you to maintain your sales price.
This strategy is helping buyers qualify, helping sellers protect equity, and helping Realtors get more homes sold.
Before reducing the price, let's look at all the options.
📩 Comment or DM BUYDOWN and I'll send you a real-world example.

05/30/2026

Essential Checklist Before Buying a STR

Thinking about buying a short-term rental in the next 90 days?

Start now.

Clarke Tefft says buyers need to get their ducks in a row before they start making offers.

That means:

Stay revenue-driven

Don’t get too emotional

Underwrite the property properly

Don’t be afraid of HOAs, but understand the cost

Have a design budget ready

Don’t shortcut professional photography

Understand the tax and cost-segregation conversations

Build the right team early

In this clip from Cabins, Cash Flow & Closings, Clarke and Lisa Stepp-Seritt talk about what buyers should be thinking about before purchasing a Smoky Mountain STR.

Watch the full episode on YouTube:
https://youtu.be/EjIQmNrHo7A?si=T2vdsq6Bt27_gmYv

Listen on Spotify:
https://open.spotify.com/episode/7k4ocQhUuziH8RKqGrAVyt?si=5PtjIHpZSo6JsQCDw7gzrA

Connect with Clarke Tefft:
https://www.facebook.com/clarke.tefft.2025
843-422-9060

Connect with Lisa Stepp-Seritt:
https://www.facebook.com/lisasponaugle.stepp
518-894-0517

05/29/2026

Most veterans are told “no”… when it should be YES.
VA loans are more flexible than you think.
👉 DM VA and let’s see what’s possible.

05/28/2026

DSCR Financing and Second-Lien Option

Short-term rental financing is not always the same as buying a primary home.

If you’re buying a true nightly rental, many programs may require a larger down payment, and the financing can depend heavily on the revenue the property can support.

In this clip from Cabins, Cash Flow & Closings, Lisa Stepp-Seritt explains DSCR financing, second-home financing, revenue-based qualifying, and a newer second-lien option for current cabin owners who want to buy another STR.

Before you start shopping, make sure your financing strategy matches the property and your investment goal.

Watch the full episode on YouTube:
https://youtu.be/EjIQmNrHo7A?si=T2vdsq6Bt27_gmYv

Listen on Spotify:
https://open.spotify.com/episode/7k4ocQhUuziH8RKqGrAVyt?si=5PtjIHpZSo6JsQCDw7gzrA

Connect with Clarke Tefft:
https://www.facebook.com/clarke.tefft.2025
843-422-9060

Connect with Lisa Stepp-Seritt:
https://www.facebook.com/lisasponaugle.stepp
518-894-0517

Address

Knoxville, TN
37931

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