Lisa Stepp

Mortgage Lender Knoxville, TN

NMLS #680403

AZ, CA, CO, CT, FL, GA, ID, IL, IN, LA, MD, MI, NJ, NM, NC, OH, OK, PA, SC, TN, TX, VA, WA

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Get to know me

As a Senior Loan Officer with over 22 years of mortgage experience in Knoxville, TN, I specialize in guiding clients through the home loan process with expertise and personalized service. My in-depth industry knowledge combined with a commitment to clear communication ensures a seamless journey toward achieving your homeownership dreams. Contact me at Mpire Financial to discuss your unique needs and take the first step toward your dream home.

Loan Options

Finding the right home loan requires careful evaluation of your unique financial situation and goals. Lisa is a mortgage expert and provides personalized guidance, leveraging in-depth knowledge to recommend tailored loan solutions that align with your needs.

Lisa Stepp's

Things You'll Need

We understand that gathering all the necessary documents for a loan application can be a daunting task. That's why we've put together a comprehensive checklist to streamline the process and alleviate any stress. With this handy guide, you'll have everything you need to breeze through your loan application.

Income Items

- W2 forms for the last two years
- Pay stubs covering a 30 day period
- Federal tax returns (1040s) for the last two years, if you are self-employed, earn more than 25% of your income from commissions or bonuses, own rental property, or are getting a USDA or THDA loan
- Corporate or partnership tax returns (if applicable)
- Pension Award letter (for retired individuals)
- Social Security Award letters (for those on Social Security)

Asset Items

- Bank statements for the previous two months on all accounts, all pages
- Statements for two months on all stocks, mutual funds, bonds, etc
- Copy of 401K statement (or other retirement assets)
- Copy of Closing Disclosure on recent sales of homes
- Gift letter if some of the funds come as a gift from a family member (we will give this form to you)
- Gifts can also require a verification of donor’s ability to make the gift (bank statement), a copy of the check used to make the gift, a copy of the deposit receipt showing the funds deposited into bank account or escrow

Credit Items

- Explanations for any of the following items that may appear on your credit report (we will help with all of this if needed); late payments, credit inquiries in the last 90 days, charge-offs, collections, judgements, and liens
- Copy of bankruptcy papers if you have filed bankruptcy within the last seven years

Other Items

- Copy of driver’s license
- Copy of purchase agreement (if you have already made an offer)
- To document receipt of child support, a copy of Marital Dissolution Agreement (to show the amount)

Loan Specific Items

- FHA (Green Card if not a US citizen)
- VA (Copy of DD214 & Copy of a termination letter)
- Refinances (Payoff on subject property, Most recent mortgage statements on all homes owned Copy of homeowners insurance policy for all properties)

About

As a Senior Loan Officer with over 22 years of mortgage experience in Knoxville, TN, I specialize in guiding clients through the home loan process with expertise and personalized service. My in-depth industry knowledge combined with a commitment to clear communication ensures a seamless journey toward achieving your homeownership dreams. Contact me at Mpire Financial to discuss your unique needs and take the first step toward your dream home.

Mortgage Loan Expert Offering Personalized Solutions

As a seasoned mortgage professional, I specialize in tailoring loan options to meet diverse client needs. Whether you require a conventional, VA, or any other type of mortgage loan, my expertise ensures a seamless experience. Inspired by Zig Ziglar's philosophy of paying it forward, I've built my career on genuine connections and positively impacting people's lives.

Creating a Welcoming, Stress-Free Mortgage Experience

I believe that laughter and optimism are essential tools for navigating challenges and creating a welcoming atmosphere for clients. My dedication to professional excellence and personalized care has earned me the trust of those I work with, fostering lasting friendships along the way.

Empowering Homeownership Dreams with Integrity

Looking to the future, I remain committed to guiding clients through their financial journeys with integrity, expertise, and a touch of humor. My goal is not just to close loans but to empower individuals and families, supporting their homeownership aspirations one mortgage at a time. With a smooth and enjoyable process, I strive to make every mortgage transaction a positive experience.

2nd Look with Lisa Stepp!

Community

Our community is about getting you the best price and service available. We've used these vendors and programs countless times during our home purchases. I personally vouch for these vendors. Our clients have regularly reported they have received beneficial pricing and "above and beyond service" through using our referral program