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Steph Noble NMLS 129002

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United States
Portland, OR
Steph Noble NMLS 129002

Mortgage Lender + Math Magician licensed in Oregon, Washington and California.

Main Office Licensed as a Mortgage Banker with the Arizona Department of Financial Institutions No. 0919020

Personal NMLS129002
Branch NMLS1825

10/24/2025

Those letters are coming! 📩📬💰🏡 Here is your property tax statement 101:

The color of your statement matters too—yellow means your mortgage company or the Department of Revenue may pay on your behalf, while green means you have taxes to pay. 💸

Your statement includes key property data like your account number and address, ownership information, and property values including Real Market Value (RMV) and Assessed Value. 📈🏡

Payment flexibility is built in! You can pay in full for a 3% discount, two-thirds for a 2% discount, or split payments into thirds with due dates on November 17, February 16, and May 15.

Multiple payment options are available including online payments, phone, drop box, mail, or through your bank’s bill pay service. Remember, to earn discounts and avoid interest, payments must be received or postmarked by the due date.

Important to note: tax increases aren’t limited to 3% per year! Factors like new voter-approved bonds, property renovations beyond basic maintenance, or loss of compression can result in larger increases. If you disagree with your property’s market value, you can appeal by December 31, 2025 with a $30 filing fee.

Visit multcotax.org for more information and payment options!

10/23/2025

Listen up, Zillow scrollers 👀 If you’re looking at houses online every night, it’s time to get pre-approved (it costs you NOTHING).

I see it ALL. THE. TIME. 🤦‍♀️ The panicked call from someone who just found their “dream home” on Zillow and needs a pre-approval YESTERDAY. They’ve been browsing listings for months but never bothered to get financially ready.

Here’s the hard truth: last-minute mortgage miracles rarely happen.

Not saying that my team hasn’t made it happen…some do call us miracle workers after all 🤓😎

But the more likely outcome? When you throw your hat in the ring last minute, you don’t have enough time to put together as strong of an offer. You’ll likely be overshadowed by someone who was more prepared.

The clients who actually WIN their dream homes? They did the work FIRST. They got their finances organized, paperwork ready, and even strategically paid down debt to boost their buying power.

So take my advice and start your preapproval even when you’re “just browsing” because when that perfect home appears, you’ll either be ready to pounce or watching someone else get the keys.

Your choice. 🔑

10/21/2025

Back by popular demand, my annual Halloween memes!🎃👻 And if you’re ready to stop haunting open houses and finally get the keys? Let’s chat! 🔑

10/19/2025

Your mortgage BFF here dropping the real estate wisdom you’ve been waiting for...

1. Your dream home doesn’t have to be your forever home

2. Most people wait TOO LONG to talk to a mortgage broker (hint: 6-12 months before buying is ideal!)

3. The “perfect” interest rate is a myth - waiting for rates to drop has cost more clients their dream home than anything else

4. The client who asks the most questions ALWAYS gets the best deal

5. Building wealth through real estate isn’t about timing the market - it’s about getting in the market

These might not seem like mind-blowing facts, but you’d be surprised how many people don’t consider these things before making decisions—or worse, remain on the sidelines when they could be actively building wealth.

Ready to turn these insights into action? Reach out for a 1 on 1 strategy session where we’ll map out your personalized wealth-building plan through real estate. Your financial future is worth the conversation!

10/17/2025

The mortgage world can feel like a boys’ club sometimes.

You hear things like, “trust me bro” far too often. 🙄

That’s why all of the women on my team work hard to create a space that brings both expertise AND empathy to the table.

No ego, no jargon - just straightforward advice tailored to YOUR unique situation.

Whether you’re a first-time buyer, going through a divorce, or looking to invest in property, my team has the years of experience and the genuine interest in your long term success.

Team Noble is proudly queer-led and woman powered! 🏳️‍🌈💅🏼

Drop a comment or send us a DM if you want a team of badass women to help you fund your next home purchase!

10/15/2025

Everyone join me in wishing Tina a HUGE congratulations because today marks her 12 year anniversary with Team Noble! 🎉

Also scroll to the very last slide for a true throwback 😂👶👯‍♀️

If you’ve had the privilege of working with Tina, you know she’s the glue that holds it all together. Seriously, she’s the backbone that buttons up everything behind the scenes so that what our clients and agents experience is smoother than butter 🧈

Around these parts we call her the closer 😎

Tina, we’re so grateful to have you on the team. Here’s to many more years! 🥳

10/14/2025

🏠 Hot Take: There’s No “Secret” Mortgage Broker Hiding the Best Rates 👀

We’ve all been there - shopping around, making those calls, sending those emails, convinced that somewhere out there is a mortgage broker with magically lower rates than everyone else. 😅

🫧👈 I hate to burst your bubble, but we’re all working with basically the same rate sheets! The truth might sting a little, but mortgage brokers don’t have some secret stash of ultra-low rates we’re hiding from you.

Here’s the real deal: while fees might vary slightly from one broker to another, what ACTUALLY makes the difference isn’t some mythical quarter-point lower rate.

It’s the quality of service you receive throughout what can be a pretty stressful process. 🧠 It’s having someone who returns your calls on weekends, who explains complex terms without making you feel stupid, and who has strong relationships with underwriters to help push your file through when challenges arise. 💪

The broker who’s been in your local market for years has connections that the online impossible-to-get-a-hold-of broker simply doesn’t.

💡They know which loan programs work best for self-employed borrowers, which ones are great for unique properties, and which ones to avoid when you need to close quickly🏃‍♀️

So while it might feel good to think you’re getting the “best deal” by calling 15 different places, what you really want is someone with experience, knowledge, and most importantly, the reputation to get your deal done right the first time. 🤝

Because trust me, saving 0.125% isn’t worth the headache of a delayed closing or a loan that falls through at the last minute! 🏠

10/09/2025

Let me be honest with you... most mortgage “experts” are obsessed with refinancing, but there’s a hidden option that can save you thousands without the hassle! 💰

Ever heard of a mortgage RECAST? Probably not, because lenders don’t advertise it (no big fees for them!). But it’s a game-changer if you have some extra cash and want lower monthly payments.

The math is simple: put that bonus or inheritance toward your principal, keep your original rate – smaller payments without the credit checks, closing costs, or application headaches.

I’ve seen clients save hundreds every month with this strategy while keeping their favorable interest rates. No lengthy application process, no starting over with a 30-year term.

Not everyone needs a refi! Sometimes the smarter move is hiding in plain sight. 🏡

Address

Portland, OR
97211

Opening Hours

Monday	8am - 5pm
Tuesday	8am - 5pm
Wednesday	8am - 5pm
Thursday	8am - 5pm
Friday	8am - 5pm

Website

http://www.stephnoble.com/

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Our Story

Finance, real estate (and yes, travel) are my passions. I am committed to providing you with the highest quality customer service combined with competitive interest rates. Whether you are purchasing your dream home, refinancing, consolidating debt, leveraging or planning a mortgage free future, I can help!

Creating individualized mortgage plans is my creative outlet within the financial industry. I excel at finding ways to use the financial market and industry to benefit you. I truly work as your advocate to help you obtain the right loan, for the right home at the right rate.

My ultimate goal is to create lasting relationships with my clients so that I can provide excellent service for years to come. My belief is that working with me as your mortgage planner now as well as in the future allows you to receive the best, customized service to truly fit your financial goals.

The views expressed here are my personal views and do not reflect the views of my employer. Not all applicants will qualify. Guild Mortgage Company NMLS #3274 Company License ML-176 NMLS 129002 Guild Mortgage Company Is An Equal Housing Lender Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act