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

That's the tea! ☕️ I'd love to hear your thoughts! Do you believe that the recent decrease in rates combined with an inc...
01/14/2026

That's the tea! ☕️

I'd love to hear your thoughts! Do you believe that the recent decrease in rates combined with an increase in applications will lead to a bustling spring market? 🌷🏡

01/09/2026

Listen up homebuying overthinkers! 🤔 Use my 5-5-5 method to cut through the noise and get crystal clear on whether now is the right time to buy a house. 🏠✨

This method helps you think through not just *when* to buy, but **how much to spend, how long you plan to stay, and where you want to land**. 📊💰 It's especially powerful in a shifting market like ours here on the West Coast , where emotions and competition can run high and market conditions change fast. 📈

Stop overthinking and start using this framework to make confident, informed decisions about one of the biggest purchases of your life. 🏡💪

🌈 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 to become a homeowner!⁠ 🎉

01/05/2026

📈 Highest mortgage applications since 2023? This is HUGE news for the real estate market, and here's exactly what it means for you.

We're seeing a major shift in supply and demand dynamics. After what felt like an endless pause, buyers are flooding back into the market – and this momentum is real.

This isn't just a blip; it's a signal that the market is stabilizing and people are ready to make their move.

Here's what's coming:

🔥 Competition is heating up. More buyers = more offers on good properties. If you've been on the fence, that "perfect home" might not wait around much longer.

💰 Prices are likely to climb. When demand increases and inventory stays tight, sellers gain pricing power. What's affordable today might stretch your budget in 6 months.

🎯 Sellers are getting their negotiating power back. After a period of buyer advantage and price drops, we're moving toward more balanced negotiations – and in hot pockets, seller advantages.

⚡ Homes are going to move faster. Days on market will shrink. That "I'll think about it" mentality? It's becoming a luxury you can't afford.

Here's my advice: If you've been waiting for the "perfect time," this data is your wake-up call. The market doesn't wait for anyone. The best time to buy is when YOU'RE ready – and if you're ready now, let's get you preapproved and positioned to win before this wave gets even bigger.

I'm here to strategize with you, whether you're a first-time buyer, moving up, or building your investment portfolio. Let's make sure you're not left behind in this surge. 💪🏠

🌈 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 to become a homeowner!⁠ 🎉

📚 Story time... Recently client came to me with a 680 credit score, and everyone told him conventional was the only way....
01/03/2026

📚 Story time... Recently client came to me with a 680 credit score, and everyone told him conventional was the only way... 🙄

Spoiler alert—we ran the numbers with FHA as one possible scenario and it was by far the best option. He went FHA instead of conventional and dropped his rate by a full 1%. That's literally thousands of dollars staying in his pocket over the life of the loan. 💰

Plus, FHA loans are assumable—meaning future buyers can take over your low rate, making your home significantly more attractive and valuable when it's time to sell.

After 20 years in this business, I've seen SO many people miss out on better deals because they didn't know FHA could work in their favor.

It's not just for first-time buyers—it's for smart buyers. If your credit score is chilling somewhere between 620-680, FHA might actually save you more money than conventional. Wild, right? 🤯

Here's the thing: Most lenders won't take the extra 5 minutes to run both scenarios for you. But I will.

Because why would I let you pay more than you have to? Let's pull up your numbers and see what we can make happen. Your wallet will thank me later. 📊✨

Ready to see what's possible? Let's run the numbers together! 💪🏠

🌈 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!⁠ 🎉

2025: A year of love, adventure, and home. 🏡✨Here’s to another year of saying yes to the journey, wherever it takes us. ...
01/01/2026

2025: A year of love, adventure, and home. 🏡✨

Here’s to another year of saying yes to the journey, wherever it takes us. 💛

#2026

12/28/2025

📈 Highest mortgage applications since 2023? This is HUGE news for the real estate market, and here's exactly what it means for you.

We're seeing a major shift in supply and demand dynamics. After what felt like an endless pause, buyers are flooding back into the market – and this momentum is real. This isn't just a blip; it's a signal that the market is stabilizing and people are ready to make their move.

Here's what's coming:

🔥 Competition is heating up. More buyers = more offers on good properties. If you've been on the fence, that "perfect home" might not wait around much longer.

💰 Prices are likely to climb. When demand increases and inventory stays tight, sellers gain pricing power. What's affordable today might stretch your budget in 6 months.

🎯 Sellers are getting their negotiating power back. After a period of buyer advantage and price drops, we're moving toward more balanced negotiations – and in hot pockets, seller advantages.

⚡ Homes are going to move faster. Days on market will shrink. That "I'll think about it" mentality? It's becoming a luxury you can't afford.

Here's my advice: If you've been waiting for the "perfect time," this data is your wake-up call. The market doesn't wait for anyone. The best time to buy is when YOU'RE ready – and if you're ready now, let's get you preapproved and positioned to win before this wave gets even bigger.

I'm here to strategize with you, whether you're a first-time buyer, moving up, or building your investment portfolio. Let's make sure you're not left behind in this surge. 💪🏠

🌈 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 to become a homeowner!⁠ 🎉

Wishing everyone a joyful and magical holiday season! 🎄✨ Every year, we host our holiday event where kids write letters ...
12/25/2025

Wishing everyone a joyful and magical holiday season! 🎄✨

Every year, we host our holiday event where kids write letters to Santa, and this year's submissions were pure gold 😂 We're excited to share a few of our favorites with you— which one is your favorite? 😆🎅💌

Happy new year from all of us at Team Noble, see you in 2026!

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!⁠ 🎉

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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