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

12/13/2025

Could this be the solution to the "golden handcuffs" dilemma? Everyone's buzzing about assumable mortgages lately—and for good reason. 🔥

Here's how it works: when you assume someone's mortgage, you take over their existing loan with their original interest rate intact. 💰

Why does this matter NOW? ⏰ Because if someone locked in a rate at 3% back in 2021, and you can assume that loan today while everyone else is stuck at 7%? 📈

That's potentially hundreds of dollars saved every single month. 💸 We're talking thousands per year just staying in your pocket. 🏦

Insider tips you need to know 🔑

✅ Not all loans are assumable—mainly FHA, VA, and USDA loans have this feature. Conventional? Nope, not typically. ❌

📋 You still need to qualify. The lender will underwrite you just like a regular purchase, so you need solid credit and income. 💳

⚠️ Here's the catch: you'll likely need a chunk of cash. If the seller has $200K in equity and the assumable loan balance is $300K on a $500K home, you need to cover that $200K somehow—either cash or a second loan. 💵

Who's this best for? 🎯

💰 Buyers with cash reserves or access to down payment assistance

🏠 Anyone who can secure a second mortgage to cover the equity gap

📊 Savvy investors who understand the long-term rate advantage

⏱️ People buying in a high-rate environment who want immediate savings

Bottom line? Assumable mortgages aren't for everyone, but if you've got the cash and you find the right property, this could be your best move in 2025. 🚀

Let's talk about whether this strategy makes sense 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, help you accomplish your goals!⁠ 🎉

12/11/2025

2025 was a year of moves, milestones, and unwavering resilience. While the market shifted and uncertainty lingered, one thing remained constant: the dream of home.

And I’m deeply honored to have walked alongside 190 families as they made big moves this year. But the numbers only tell part of the story.

What truly fuels this work is YOU — the incredible network of past clients, industry partners, and friends who continue to trust us with your referrals. Your confidence means everything, and it’s what allows us to keep showing up for this community with heart and hustle.

This year, we also donated $20,000 to shelter-focused nonprofits doing essential work in our community:

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Thank you for following along here. I hope we’ve helped you learn something valuable about the mortgage process and your own homeownership journey. It’s been an absolute privilege to be part of your stories this year.

Wishing you and yours a cozy holiday season and a bold, brilliant 2026!✨💞

12/11/2025

2025 was a year of moves, milestones, and unwavering resilience. While the market shifted and uncertainty lingered, one thing remained constant: the dream of home.

And I’m deeply honored to have walked alongside 190 families as they made big moves this year. But the numbers only tell part of the story.

What truly fuels this work is you — the incredible network of past clients, industry partners, and friends who continue to trust us with your referrals.

Your confidence means everything, and it’s what allows us to keep showing up for this community with heart and hustle.

This year, we also donated $20,000 to shelter-focused nonprofits doing essential work in our community:

🔸
🔸
🔸
🔸
🔸

Thank you for following along here. I hope we’ve helped you learn something valuable about the mortgage process and your own homeownership journey. It’s been an absolute privilege to be part of your stories this year.

Wishing you and yours a cozy holiday season and a bold, brilliant 2026!✨💞

🚨 Think paying points to lower your interest rate is always a smart move? Think again! 💭 Here's the truth: Paying points...
12/10/2025

🚨 Think paying points to lower your interest rate is always a smart move? Think again! 💭

Here's the truth: Paying points to lower your interest rate can actually be a BAD financial move!

For those who don't know, "paying points" means paying an upfront fee to your lender to reduce your interest rate.

One point typically costs 1% of your loan amount. So on a $500,000 loan, that's $5,000 out of pocket just to shave a fraction off your rate. 💸

Here's why this might not work in your favor: It can take YEARS to break even on those upfront costs through monthly payment savings.

If you're planning to refinance when rates drop, move within a few years, or don't have extra cash sitting around, you're essentially throwing money away.

Instead, that cash could go toward a bigger down payment (reducing your monthly payment AND building equity faster), covering closing costs, or keeping a healthy emergency fund. 🏠

The bottom line? Run the numbers with your lender before committing to points. Sometimes the "savings" aren't actually savings at all!

Want to know if points make sense for YOUR situation? Let's talk about 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!⁠ 🎉

My clients just listed their 2 bed, 2 bath condo at 2013 NE 10th Ave Unit E, and honestly? It’s a gem. 🏡In the heart of ...
12/09/2025

My clients just listed their 2 bed, 2 bath condo at 2013 NE 10th Ave Unit E, and honestly? It’s a gem. 🏡

In the heart of Irvington, this place checks all the boxes: open floor plan, natural gas fireplace with built-ins, kitchen island with quartz counters, and a private patio. Plus, it’s ground floor with ADA features—perfect for long-term living and aging in place.

The HOA is only $250/month (includes water, sewer, garbage), and with a Walk Score of 91 and Bike Score of 100, you’re steps from so many necessities.

Want to tour it or talk about how we can make this yours? Let’s chat about financing options that fit your situation. DM me!

Listed by

12/09/2025

Still buzzing from this year’s Noble Tree Celebration! ✨ Another unforgettable day with our amazing community, and honestly, my heart is so full. 🎄

This celebration is our favorite way to say THANK YOU to everyone who trusted us with their home financing dreams in 2025, and to those who’ve referred their friends and family our way. Every one who purchased, refinanced or referred us throughout the year is invited to join us. Your confidence in us means everything! 🏠

It’s always one of our favorite days of the year seeing old friends, reconnecting with new friends and holiday excitement all around us. 💚

kept everyone energized, .spendabeat always has the best holiday playlist, had beautiful trees and holiday gifts for my community, and and .jpeg captured the special moments for us.

As we head into the new year, I’m overwhelmed with gratitude for this incredible community we’ve built together. Here’s to more magical moments, more dream homes, and more reasons to celebrate! 🙌✨

12/06/2025

Your mortgage broker is SO much more than just the rate they get you. 🎯 Let me tell you why this matters more than you think...

I literally get giddy when I get a text from a realtor saying the listing agent told them they've worked with me before – and that having ME on their team made the difference in getting their client's offer accepted. I mean, come on! 🙌

That's not about rates, that's about REPUTATION. That's about the listing agent knowing I'm going to close the deal, communicate clearly, and make their life easier. When you're in a competitive market, that kind of trust can literally be the difference between getting your dream home and losing out to another buyer.

Here's the thing: I'm not just running numbers and finding you a loan. I'm strategizing with you and your realtor to position your offer as the strongest one on the table. 💪

I'm the one making sure your pre-approval letter actually means something. I'm responding at 8pm on a Saturday because timing matters. I'm building relationships with listing agents so when YOUR offer comes across their desk, they already know you're working with someone who's going to deliver. That's the difference between a mortgage broker who just gets you a rate and a mortgage broker who helps you WIN. ✨

And here's something else that sets me apart: I'm not just here for your purchase. I'm here for the LIFE of your loan. 🏡

That means when rates drop and it's time to refinance? I'm on it. When you're ready to buy an investment property or upgrade to your forever home? I'm already strategizing with you. When life throws you a curveball and you need to explore your options? I'm the one picking up the phone.

I'm making smart financial real estate moves WITH you for years to come. This isn't a one-and-done transaction for me – it's a long-term partnership. So when you're choosing who's going to be in your corner, remember: you're not just picking someone to get you a loan today. You're choosing someone who's going to help you build wealth through real estate for the long haul. 💼

💭 Let's talk about ARM loans - aka adjustable-rate mortgages. And f you're getting a weird feeling just reading that, yo...
12/04/2025

💭 Let's talk about ARM loans - aka adjustable-rate mortgages. And f you're getting a weird feeling just reading that, you're not alone!

These loans got absolutely dragged through the mud during the 2008 housing crisis, and honestly? They deserved that heat.

Here's the thing though - ARMs from 15-20 years ago were a totally different beast. We're talking about predatory lending practices, crazy balloon payments, and terms that were basically designed to trap people.

No wonder they got such a bad rep! But here's what most people don't know: today's ARM loans are heavily regulated, way more transparent, and can actually be an incredibly strategic move for the right buyer. The game has completely changed, but the stigma stuck around. 📊

So when does an ARM make sense NOW?

If you're planning to sell or refinance within 3-7 years (think: starter home, relocation for work, investment property flip), an ARM can save you THOUSANDS compared to a traditional 30-year fixed rate.

You get a lower initial rate, which means lower monthly payments and more cash in your pocket during those early years. The key is having a solid exit strategy - and that's exactly where I come in.

I help my clients run the numbers, map out their timeline, and make sure an ARM actually aligns with their goals. It's not about following trends; it's about making strategic financial moves that work for YOUR situation. 🎯

Want to learn more about whether an ARM could work for your next purchase? Shoot me a DM - let's talk strategy! 💪

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!⁠ 🎉

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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