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

Did you know FHA loans aren't just for first-time homebuyers? 👀⁠⁠Here's an industry secret: If your credit score is in t...
09/07/2025

Did you know FHA loans aren't just for first-time homebuyers? 👀⁠
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Here's an industry secret: If your credit score is in the mid-to-high 600s, an FHA loan could actually get you a SIGNIFICANTLY BETTER interest rate than conventional financing! 💰⁠
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Why? Because these loans are backed by the federal government, which reduces the lender's risk. That security translates directly to potentially lower rates for YOU!⁠
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Real client win: Yesterday, helping a client recently secure an FHA loan with an interest rate LOWER than what they qualified for conventionally. 🤯⁠
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On a $400,000 loan, that's a difference of about $250 LESS per month and nearly $90,000 SAVED over the life of their loan! 🏡💵⁠
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Too many buyers automatically assume conventional is their best option without exploring alternatives. Every financial situation is unique - that's why personalized mortgage advice matters!⁠
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Want to know if you could be saving thousands with an FHA loan? Let's talk about ALL your options! Drop a 🏠 in the comments and I'll reach out.⁠
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🌈 We’re helping homeowners in California, Oregon, Washington, Arizona, and Vermont. ⁠
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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. 🙌 ⁠
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We have the capacity, the expertise, and the sincere desire to support you, strategize with you, help you accomplish your goals!⁠ 🎉

09/04/2025

If I wasn’t afraid to tell you what I really think...

As a divorce specialist (CDLP), here’s my honest take: The short-term discomfort of transitioning to a new living situation after divorce might feel destabilizing (especially with kiddos in tow) — but it often creates greater long-term financial stability for your entire family.

When you right-size your housing to align with your new financial reality, you’re not “downgrading” your life. You’re actually creating a sustainable foundation that allows you to:

- Build emergency savings
- Contribute to retirement
- Save for your children’s education
- Reduce financial stress

I’ve seen countless clients transform initial housing transitions into powerful financial resets that benefit their children for decades to come.

The courage to make smart financial decisions today creates the stability your family deserves tomorrow. 💪

🌈 We’re helping folks navigate the nuances of homeownership 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!⁠ 🎉

🏠 Fall Housing Market Forecast: Why Smart Buyers Are Moving NOW 🍂Interest rates are expected to drop this fall, and hist...
09/03/2025

🏠 Fall Housing Market Forecast: Why Smart Buyers Are Moving NOW 🍂

Interest rates are expected to drop this fall, and history tells us exactly what happens next...

The market will flood with eager buyers, competition will skyrocket, and those "good deals" sitting on the market? They'll disappear overnight! When sellers regain the upper hand, expect higher prices, bidding wars, and far less negotiating power.

My expert tip? Don't wait for the rate drop everyone's talking about - that's exactly when you'll pay premium prices and lose negotiating leverage. The savvy move is to lock in NOW while sellers are still motivated, then refinance later when rates improve.

Ready to make your move before the market shifts? Let's chat about getting you pre-approved today! Drop a "🏡" below if you want a personalized rate analysis.

🌈 We’re helping homebuyers and sellers navigate the Real Estate market 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 to become a homeowner!⁠ 🎉

Today is my birthday.And it feels impossible to separate it from the fact that two weeks ago, on August 13th, my mom die...
08/30/2025

Today is my birthday.
And it feels impossible to separate it from the fact that two weeks ago, on August 13th, my mom died.

How do you celebrate your life and also grieve the person who gave life to you?
How do you mourn someone you both knew and didn’t know? Someone you loved and also felt very distant-almost foreign—to?

Being one of eight kids, for me, meant being raised to be independent, self-sufficient, and if I’m honest…alone. Eight little islands. It doesn’t make sense on paper, but somehow it’s possible to feel alone inside a big family.

My mom was just 25 years older than me. Always learning, always doing, always productive. She lived and ultimately died on her own quirky terms.

What feels the strangest is this: with her gone, my connection to the generations before feels like it’s snapped. Like I’m left holding the end of a rope, reaching back into the generational mist for answers and security. The comfort of a living generation beyond me is gone.

So today, I find myself holding both ends of the rope, another year of my own life, and the loss of the woman who gave it to me. Gratitude tangled with grief. Love threaded with distance. The heaviness of her absence.

Today I feel the weight of it all, and I’m learning how to hold it. I know I’m not alone, so this year, I’m choosing to begin to reach out.

Rest easy, Mom. 💔

I couldn’t help myself 😅The internet can’t stop talking about Taylor and Travis’s engagement. But you know what we can’t...
08/27/2025

I couldn’t help myself 😅

The internet can’t stop talking about Taylor and Travis’s engagement. But you know what we can’t stop talking about?

Getting our people into homes! 🏡💃

Who’s ready to say YES… to homeownership? 🏠💖💍

🌈 Team Noble is helping homeowners and homebuyers 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!⁠ 🎉

08/27/2025

🏠 Buyers! Here are 3 things you NEED to know about the real estate market from a local mortgage expert:

1️⃣ There is NO "perfect time" to buy a home. When people say "it's hot" or "it's cold," take it with a grain of salt! The perfect time is simply when it's right for YOU and your financial situation.

2️⃣ When evaluating a property, ask to see ALL comparable sales in the neighborhood, not just cherry-picked ones. A broader view gives you better negotiating power and prevents overpaying!

3️⃣ Don't trust those Zillow or Redfin estimates blindly! 😱 They can be off by as much as 18% - that's a whopping $90K on a $500K home! Trust your own eyes and your agent's expertise instead.

🔍 The market timing myth has trapped so many buyers in endless waiting games! Truth is, the best homes are bought by people who understand their own finances, not market trends. I've helped countless clients find their dream homes by focusing on THEIR readiness, not some magical market moment! ✨

💰 And those online valuations? Let's just say they're about as reliable as a weather forecast for next month! I once had a client almost walk away from their perfect home because Zillow said it was overpriced. After reviewing actual comparable sales (the FULL picture, not just selected ones), they realized it was actually a steal! They still thank me at every holiday party at the tree farm! 🎉

🌈 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!⁠ 🎉

👀 Have you been hearing whispers of “recession”?…The jobs report reality check 🔍 only 73,000 jobs were added in July wit...
08/24/2025

👀 Have you been hearing whispers of “recession”?…

The jobs report reality check 🔍 only 73,000 jobs were added in July with previous months revised DOWN by 258,000. Unemployment now at 4.2%.

AGENTS 📢 what does this mean for your real estate clients?

Slide through to hear what this means for both Buyers and Sellers ➡️

This news doesn’t have to mean doom-and-gloom - they're opportunities for prepared clients. Realtors reading this... let’s chat strategies to help our clients navigate these waters ⛵️🧭🏡

🌈 We’re helping homeowners and agents strategize for success 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!

08/20/2025

💭 Thinking about refinancing but not sure if it's the right move?

Let’s break it down!

The perfect time to refi isn't just when rates drop (though 0.75-1% lower is a good start). 🤩

Your improved credit score might qualify you for better terms than you realize 💸 So many homeowners miss this opportunity!

Sometimes refinancing is about tapping into your home's equity after you’ve made improvements 🛠️

Or it could be a strategy to help you consolidate debt, or beneficially change your loan terms.

Every financial situation is unique 💡 what works for others might not be right for YOU. I set aside time each week to discuss individual scenarios with no pressure, just strategic planning tailored to your goals 💪

Let's make sure your mortgage works as hard for you as you did to get it!

🌈 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!

08/18/2025

🎬 When your credit score finally hits that target number after taking my advice on how to improve it! My team can’t help but be your hype crew 😂

Fun fact: I’m basically the Credit Score Whisperer 🧙‍♀️ My clients are always shocked when I show them the little-known credit-boosting strategies that most folks don’t even realize are options for them!

From rapid rescoring techniques to strategic account management, I’ve helped countless clients unlock better rates and higher approvals - sometimes in as little as 60 days!

Drop me a DM if you want to chat about my credit-boosting secrets!

🌈 We’re helping homebuyers and 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!

08/18/2025

🎬 When your credit score finally hits that target number after taking my advice on how to improve it! My team can't help but be your hype crew 😂

Fun fact: I'm basically the Credit Score Whisperer 🧙‍♀️ My clients are always shocked when I show them the little-known credit-boosting strategies that most folks don’t even realize are options for them!

From rapid rescoring techniques to strategic account management, I've helped countless clients unlock better rates and higher approvals - sometimes in as little as 60 days!

Drop me a DM if you want to chat about my credit-boosting secrets!

🌈 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!

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Portland, OR
97211

Opening Hours

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