Steph Noble NMLS 129002

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

12/02/2025

Okay, let's talk about the homes I tell my clients to avoid 🏠 🙈... and yes, I'm calling myself out here because I totally ignored my own advice on the last one. 😅

First up: condos. Sure, they look affordable at first glance, but those HOA fees? They're like that gym membership that keeps charging you more every year, except you actually HAVE to pay them. And if the HOA is mismanaged? Financial. Disaster. 💸

Second on the no-buy list: homes in flood zones. I don't care how good your insurance is (and let's be real, flood insurance is its own nightmare). When water damage hits, it hits HARD.

We're talking structural nightmares, mold issues, and a resale value that tanks faster than you can say "natural disaster." Just... don't do it. 🌊

And here's where I confess my sins: never buy the nicest house in the neighborhood. 🙅‍♀️

Why? Because when you're sitting on all those premium upgrades and fancy finishes, you're playing the long game whether you like it or not. It takes FOREVER to recoup your investment or make any profit.

But here's the thing—if you're like me and you did it anyway, just commit to staying put long enough for the rest of the neighborhood to catch up. Eventually, you won't be the fanciest house on the block anymore, and that's actually a good thing! 🏡✨

Questions about what YOU should or shouldn't buy? Let's chat about your unique situation and find the perfect fit for your goals! 💬

🌈 We’re helping folks in California, Oregon, Washington, Arizona, and Vermont.

I’m so thankful to have an amazing team by my side to assist anyone with a home purchase, refinance, or making a plan for building generational wealth. 🙌

We have the capacity, the expertise, and the sincere desire to support you, strategize with you, help you accomplish your goals!⁠ 🎉

11/30/2025

Someone recently asked me, "What's the biggest misconception people have about your business?" and honestly? This one takes the 🎂

Here's the deal: After 20 years in this game, my team runs like a well-oiled machine. We've hit capacity before, sure—but instead of turning people away, we got smarter.

We figured out how to scale WITHOUT sacrificing the personalized service that makes us, well, us. Think of it like leveling up in a video game, except the prize is helping more families get into homes they love. 🏡✨

So here's your reminder: Even though we have incredible partners and amazing referring clients (seriously, you all rock 🙌), we're NEVER too busy for you.

We genuinely love meeting new people, becoming a resource for new communities, and helping agents tackle whatever curveballs this market throws at them. Two decades in, and I'm still here for it. 💪

🌈 We’re helping folks in California, Oregon, Washington, Arizona, and Vermont.

I’m so thankful to have an amazing team by my side to assist anyone with a home purchase, refinance, or making a plan for building generational wealth. 🙌

We have the capacity, the expertise, and the sincere desire to support you, strategize with you, help you accomplish your goals!⁠ 🎉

🏠 Are you sick of me sharing all of my tidbits and strategies with you yet? Too bad! 😜Here's the thing—the homebuying pr...
11/28/2025

🏠 Are you sick of me sharing all of my tidbits and strategies with you yet? Too bad! 😜

Here's the thing—the homebuying process doesn't have to be overwhelming or confusing. When you understand strategies like seller concessions, rate buydowns, ADU income qualifications, and specialized loan programs, you're not just another buyer in the market.

You become a confident, informed homebuyer who knows how to negotiate, maximize savings, and build long-term wealth through real estate. 📊✨ That's the difference between settling for what's available and strategically securing what's best for YOUR financial future.

My mission is simple: give you the tools, methods, and insider knowledge you need to secure the best deal and make the smartest investment as you find your home in this real estate market.

Whether you're a first-time buyer or looking to upgrade, I want you armed with information that puts you in the driver's seat. 💪

Every homebuyer deserves to know their options. From maximizing your purchasing power to finding creative financing solutions, I'm committed to making sure you have every advantage possible.

So keep following along for tips and tricks, and when the time is right…reach out and let’s get you ready to compete! 🔑💼

🌈 We’re helping homeowners in California, Oregon, Washington, Arizona, and Vermont.

I’m so thankful to have an amazing team by my side to assist anyone with a home purchase, refinance, or making a plan for building generational wealth. 🙌

We have the capacity, the expertise, and the sincere desire to support you, strategize with you, help you accomplish your goals!⁠ 🎉

11/26/2025

POV: Me thoroughly reviewing your bank statements, credit report, and income docs to get you pre-approved 👀

Here's the thing though - I'm NOT here to judge your financial life or make you feel bad about past decisions. We've all been there. I've seen it all, and trust me, you're not going to shock me. 💯

I KNOW it might feel invasive to have someone going through your financials, but we’re on the same team! 😅

As your mortgage broker, I'm required to verify and document:

✅ Your income - W2s, pay stubs, tax returns, side hustles, ALL of it. If money comes in, I need to know about it.

✅ Your spending patterns - No judgment here! We're just making sure you can afford your mortgage payment.

✅ Your credit history - Late payments, collections, credit card balances... I see it all. But again, we're problem-solvers, not judges.

✅ Any red flags - Large deposits, random wire transfers, sudden cash injections. Lenders WILL ask questions. I'd rather we have answers ready than be surprised later!

✅ Your assets - Where's your down payment coming from? Gift funds? Savings? That wedding money from 2019? We need a paper trail.

My team and I are your advocates in this process. We're the ones who fight for you, explain your situation to underwriters, and find creative solutions when traditional paths don't work. Our entire goal is to get you into a home you love! 🏡

The mortgage approval process requires this level of scrutiny because lenders need to ensure you can comfortably afford your home. But here's what sets us apart: we'll walk you through EVERY step, explain WHY we need each document, and never leave you guessing about what's happening with your application.

So yes, I'm technically "minding my business"... which during pre-approval happens to BE your business. But I promise we're doing this WITH you, not TO you. Everyone is human, everyone has a story, and you’re not a-loan in this process! 😜

Questions about the pre-approval process? Worried about something in your financial history? Let's talk about it! We can work with almost anything if we know about it upfront. 🤝

11/22/2025

🤯 I know it sounds backwards, but stick with me here because this strategy has helped SO many of my clients level up their home buying game!

Here’s the math magic ✨
Say you’ve got $50K saved for a down payment, but you’re also carrying a $700/month car payment with about $20K left on the loan. Most people would just put all $50K toward the house, right? WRONG!

If you use $20K to pay off that car loan first, you’re left with only $30K for your down payment BUT (and this is a big but) 👀 eliminating that $700 monthly payment actually increases your buying power by $100K!

Why does this work? It all comes down to your debt-to-income ratio (DTI). Lenders care MORE about your monthly obligations than the size of your down payment.

When you eliminate that car payment, you free up $700/month that can now go toward a mortgage payment instead. That means you qualify for a bigger loan, even with a smaller down payment.

Sometimes the math just hits different when you’re strategic about it! 💪

This is exactly the kind of creative problem-solving I love doing with my clients. Everyone’s financial situation is unique, and sometimes the conventional wisdom just doesn’t apply.

Want to see if this strategy could work for you? Let’s run your numbers and find out! 🏡💰

🎙️ Empowering clients through life’s toughest transitions 💪Working with clients navigating divorce isn’t just about numb...
11/18/2025

🎙️ Empowering clients through life’s toughest transitions 💪

Working with clients navigating divorce isn’t just about numbers and paperwork—it’s about giving people their power back during one of the most emotional times in their lives. 🏠💙

Many people feel anxious about buying or selling during a divorce, worried they’ll be forced into decisions they don’t want.

My job? Helping them realize they have options and can work together on solutions that truly serve them.

Because at the end of the day, it’s about more than just the mortgage—it’s about helping people move forward with confidence. ✨

🌈 We’re helping homeowners in California, Oregon, Washington, Arizona, and Vermont.

I’m so thankful to have an amazing team by my side to assist anyone with a home purchase, refinance, or making a plan for building generational wealth. 🙌

We have the capacity, the expertise, and the sincere desire to support you, strategize with you, help you accomplish your goals!⁠ 🎉

11/14/2025

🚨 Don't let clickbait headlines keep you from your homeownership goals. Business Insider says you need a $114K household income to buy a $430K house? Not so fast! 🏡

Here's what they're missing: those "averages" for credit score, debt, property taxes, and insurance might not match YOUR situation at all.

If your financial profile is stronger than average, you can absolutely qualify with less income than they're claiming.

I just helped a client making $85K qualify for a $400K home. 💪 Why? Because we looked at THEIR specific situation—not some generic national average.

Your credit score, debt-to-income ratio, down payment, and overall financial picture matter way more than blanket statistics from a news article.

Bottom line? Connect with a lender who'll actually review YOUR numbers and show you what's possible.🎯 You might be surprised at how much house you can afford!

Ready to find out what you really qualify for? Let's talk. 📲

🏠 Going through a divorce? One of the biggest questions I get is: "Do we HAVE to sell the house?"The short answer? Not n...
11/08/2025

🏠 Going through a divorce? One of the biggest questions I get is: "Do we HAVE to sell the house?"

The short answer? Not necessarily.

💡 As a Certified Divorce Lending Professional, I've helped countless clients navigate this exact situation.

There are actually several paths forward—refinancing to buy out your spouse's equity, exploring loan assumption options, or even setting up a co-ownership arrangement post-divorce.

Each situation is unique, and what works best depends on your financial picture, your goals, and what you want your next chapter to look like.

Here's what most people don't realize though: timing is EVERYTHING. ⏰

If you sell during divorce proceedings without proper planning, you could be hit with capital gains taxes that were completely avoidable.

Plus, the emotional toll of making rushed decisions during an already stressful time? That's real, and it matters.

I work with my clients to map out all the options, run the numbers, and find the solution that protects both their financial future and their peace of mind.

Bottom line: you have more options than you think. Whether keeping the home makes sense or selling is actually the smarter move, let's talk through it together and find the path that works best for YOU. 💪

🌈 We’re helping folks in California, Oregon, Washington, Arizona, and Vermont.

I’m so thankful to have an amazing team by my side to assist anyone with a home purchase, refinance, or making a plan for building generational wealth. 🙌

We have the capacity, the expertise, and the sincere desire to support you, strategize with you, and empower you!⁠ 🎉

11/03/2025

🚨 You're not gonna like this, but you NEED to hear it…especially Buyers looking for a great deal 🚨

Homes that are sitting on the market for months, something’s going on…listen up to see which of these three things could be going on:

1️⃣ The price is too high — Sellers (and sometimes agents) get emotionally attached to a number that just doesn't match reality 📊

2️⃣ The listing agent dropped the ball — Not answering calls? Bad marketing? Bad agents kill deals and let houses sit 📱❌

3️⃣ There's something wrong with the house — The property itself might have issues that are turning buyers away 🏚️

But here's the SILVER LINING for buyers: 🌟

A house that's been on the market for 60+ days? That's your opportunity for a DEAL 💰 Figure out which of these three factors is at play, and you could score serious savings.

Ready to turn market stagnation into your advantage? Let's talk strategy 👉 DM me to chat!

🌈 We’re helping folks in California, Oregon, Washington, Arizona, and Vermont.

I’m so thankful to have an amazing team by my side to assist anyone with a home purchase, refinance, or making a plan for building generational wealth. 🙌

We have the capacity, the expertise, and the sincere desire to support you, strategize with you, and empower you!⁠ 🎉

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Portland, OR
97211

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

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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