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

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

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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.

11/03/2026

🏡 A lower home price sounds great—but would help with closing costs make a bigger difference for YOU?

Before making an offer, compare:
💰 A price reduction
🔑 Seller-paid closing costs
📉 A mortgage rate buydown

Each affects your monthly payment, cash needed to close, and savings differently. The best choice starts with knowing which numbers matter most to your budget.

My latest blog walks through a $300,000 home example and explains the tradeoffs in plain English.

📖 Read the blog and watch the video:
https://blog.lisastepp.com/post/seller-credits-vs-price-reduction-vs-rate-buydown

Have a home in mind? Let’s compare your options. Visit LisaStepp.com to request a 15-minute strategy call.

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

Examples are hypothetical. Financing is subject to approval. Programs and seller contribution limits vary. Refinancing is not guaranteed.

11/02/2026

Buy now and refinance later” sounds like a plan—but it shouldn’t be your only plan. 🏡

Future refinancing isn’t guaranteed. Rates, income, credit, your home’s value, and closing costs all play a part.

Buy with a payment that works today. If you’re using a temporary buydown, make sure the full payment fits your budget, too.

Let’s talk through a plan that makes sense for YOU.

Lisa Stepp-Seritt | NMLS #680403
Mpire Financial | NMLS #2108504
LisaStepp.com

Equal Housing Opportunity.

10/30/2026

The seller is willing to negotiate $10,000. Would you choose a lower price—or a seller credit? 🏡

A price reduction can lower what you borrow. An eligible seller credit may help cover closing costs or a mortgage buydown.

The better choice depends on your monthly payment, cash needed at closing, and savings. **Let’s compare before you write the offer.**

Buying in Tennessee, Florida, Ohio, or Pennsylvania? Send me the listing!

Watch the full guide:
https://blog.lisastepp.com/post/wait-for-lower-mortgage-rates-or-buy-now

Lisa Stepp-Seritt | NMLS #680403
Mpire Financial | NMLS #2108504
Equal Housing Opportunity. Subject to credit approval and program eligibility. Seller credit limits apply.

10/29/2026

🏡 Ready for a home of your own—but still saving for the down payment?

DPA Advantage may help eligible FHA buyers with a grant that doesn’t require repayment—and you don’t have to be a first-time buyer to qualify!

In this quick video, I explain who may qualify and why closing costs, monthly payments, and your total budget still matter.

💬 Message me “DPA” to explore your options.

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

Subject to borrower and property eligibility, underwriting, and program availability. Closing costs and additional borrower funds may apply. The first mortgage must be repaid. Not a commitment to lend.

10/29/2026

The Fed cuts rates… so mortgage rates drop too, right? 🏡

Not necessarily. Mortgage rates also respond to inflation expectations and the bond market—and may move before the Fed announces anything.

Before putting your home search on hold, compare your actual options.

Buying in Tennessee, Florida, Ohio, or Pennsylvania? Let’s talk about your payment, closing costs, and goals.

Watch the full video: https://youtu.be/O42dQHNL-NI

Lisa Stepp-Seritt | Mpire Financial
NMLS #680403 | Company NMLS #2108504
Subject to credit approval and program eligibility. Equal Housing Opportunity.

10/28/2026

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

Before you put your home search on hold, have you compared what you could negotiate today?

A lower purchase price, seller credits, and a mortgage buydown can affect your budget differently. The right choice depends on your monthly payment, closing costs, and savings.

In my new video, I explain:
✅ Seller credits versus price reductions
✅ Temporary versus permanent buydowns
✅ When buying now—or waiting—may make sense

Buying in Tennessee, Florida, Ohio, or Pennsylvania? Let’s compare your options before you write an offer.

Watch the video and read the guide:
https://blog.lisastepp.com/post/wait-for-lower-mortgage-rates-or-buy-now

What’s your biggest hurdle—monthly payment, cash to close, or finding the right home?

Lisa Stepp-Seritt | Mpire Financial
NMLS #680403 | Company NMLS #2108504
Loan options subject to credit approval and program eligibility. Equal Housing Opportunity

10/16/2026

Could your inspection period help make your offer more attractive — without offering more money? 🏡

Part 2 of my 7 Ways to Build a Stronger Home Offer Without Just Paying More: THE INSPECTION PERIOD.

When a seller accepts an offer, they want certainty. Depending on the property, local market, and contract, you and your Realtor may be able to shorten the inspection period and reduce the amount of time the seller is waiting to know whether you're moving forward.
That does NOT mean skipping an inspection or unnecessarily giving up buyer protections.
It means building an offer strategically.

Your Realtor helps you understand the property, contract, and real estate risks. I make sure your mortgage financing is prepared to support the strategy.

📍 I'm Lisa Stepp-Seritt with Mpire Financial, based in Knoxville, Tennessee. Our team helps homebuyers across multiple states and three time zones.

Thinking about buying?

👇 Comment OFFER or visit LisaStepp.com and let's build your financing strategy before you make the offer.

Next: Part 3 — The Loan Approval Period and why strong financing can help your offer stand out.

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

Loan approval and terms are subject to qualification, program requirements, property eligibility, and underwriting. Real estate contract terms and practices vary by state and transaction.

10/15/2026

Think you have to be the highest bidder to win a home? Not necessarily.

🏡 Part 1 of my 7 Ways to Build a Stronger Home Offer Without Just Paying More: PRICE WITH A PURPOSE.

Before increasing your offer by $10,000 or $20,000, understand what that does to your monthly payment, cash to close, and overall financing strategy.

Your Realtor knows the property and local market. I help you understand what each option means to your money. Together, we can build an offer strategy that makes sense for YOU.

📍 Based in Knoxville, Tennessee, with a team helping homebuyers across multiple states and three time zones.

Thinking about buying a home?
👇 Comment OFFER or visit LisaStepp.com to start building your financing strategy before you make an offer.

Part 2 tomorrow: The Inspection Period.

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

Loan approval and terms are subject to qualification, program requirements, property eligibility and underwriting. Real estate contract terms and practices vary by state and transaction.

10/14/2026

Calling all short-term rental investors! 🏡 Before you pass on that next property, let’s take another look at the financing.

Some DSCR loan programs use the interest-only payment—plus taxes, insurance, and applicable HOA dues—to calculate the property’s qualifying ratio. That could make a difference.

You can also pay extra toward principal instead of making only the required interest-only payment. More flexibility deserves a closer look at the long-term numbers.

Buying a Smoky Mountain cabin or exploring another investment market? Send me the listing and rental-income information. Let’s compare your options and build your portfolio with a plan!

Visit LisaStepp.com and select “Review My Deal.” You’ll also find calculators, guides, and other helpful tools.

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

Investment properties only. Subject to underwriting and program eligibility. Interest-only payments do not reduce principal; required payments may increase afterward. Prepayment penalties may apply.

10/13/2026

Realtors—before recommending another price reduction, ask: **What’s actually holding the buyer back?** 🏡

The price? The monthly payment? Or the cash needed at closing?

A seller credit may help with eligible closing costs or a mortgage buydown. An overpriced home may still need a price adjustment. The key is knowing which problem you’re solving.

Watch this quick video, then send me your listing and proposed reduction. **Let’s compare the numbers before your seller makes the cut.**

Lisa Stepp-Seritt | NMLS #680403
Mpire Financial | NMLS #2108504
Equal Housing Opportunity.
Seller credits and buydowns are subject to program limits, eligible costs, and approval.

Address

Knoxville, TN
37931

Website

http://www.steppupyourgame.com/

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