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

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

Let me be honest with you... most mortgage “experts” are obsessed with refinancing, but there’s a hidden option that can...
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. 🏡

10/03/2025

We’re out here living our best lives in a vibrant, thriving community. 🌲

The real Portland?

It’s friendly neighbors supporting local businesses, stunning waterfront sunsets, and some of the best meals you will ever have.

It’s creative people building genuine connections through art, music, and shared values. 💚

Our community is strong, resilient, and full of hope. That’s why the 250+ families I helped buy a house this year are happy to call Portland their home.

🏳️‍🌈 Don’t come for us, or our trans homies 🏳️‍⚧️

Autumn has been a vibe ☀️ soaking in that sunshine wherever we can 😎
10/01/2025

Autumn has been a vibe ☀️ soaking in that sunshine wherever we can 😎

09/30/2025

Let’s look at some real numbers from a recent client:

🏠 Original loan: $500,000 at 7.5%
💵 Monthly payment: $3,496
🏠 After refinance: $500,000 at 6.25%
💵 New monthly payment: $3,079

That’s a savings of $417 EVERY MONTH! That’s over $5,004 per year back in their pocket! 🤯💰

Interest rates have been trending downward, creating huge savings potential opportunities for homeowners who bought when rates were higher. Even a 0.6-1% rate reduction can translate to HUNDREDS of dollars in monthly savings!

Every homeowner’s situation is unique. Factors like how long you plan to stay in your home, current equity position, and closing costs all play a role in determining if refinancing makes financial sense right now.

📱 Don’t leave money on the table! Our team can run your specific numbers to show you exactly how much you could save with today’s rates. We’ll help you determine your break-even point and advise if now is the optimal time for YOU to refinance.

💬 A refinance analysis takes just 10 minutes of your time but could put thousands back in your pocket this year!

🌈 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, and strategize with you!⁠ 🎉

Address

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