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Steph Noble NMLS 129002

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United States
Portland, OR
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

09/18/2025

🚨UNPOPULAR OPINION🚨

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.)

Let me share a recent client example: They had $16,000 and were considering paying points to reduce their rate. When we ran the numbers, using that money toward their down payment instead saved them over $10,000 in the first five years!

Why? Because applying funds directly to the principal of the loan rather than paying points often provides better long-term savings.

I'm always happy to run these numbers with clients during their home search and purchase to ensure they are using their resources to the best of their ability.

🌈 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, and strategize with you!⁠ 🎉

09/17/2025

🔥 RATES JUST DROPPED!

If you’ve been waiting for the right moment to jump back into the housing market, THIS IS IT!

Mortgage rates just saw their biggest weekly drop in over a year, and buyers are already responding.

📊 The numbers don’t lie:

30-year fixed rates have dipped to 6.13% (down from 6.50% last week)

Mortgage applications jumped 7% in just one week

Purchase applications are up 23% compared to last year

This is the strongest week of borrower demand we’ve seen since 2022!

What this means for you:

Buyers: You might qualify for more home than you thought! Plus, adjustable-rate options could make your dream home even more affordable right now.

Sellers: A larger pool of qualified buyers means more potential offers and possibly a quicker sale for your property.

Everyone: With the upcoming Fed meeting, we could see even more rate movement. Now’s the time to position yourself for success!

That house that felt just out of reach a few weeks ago? It might be within your budget now. The perfect time to list your home? It could be today.

Don’t miss this window of opportunity. DM me or call today to run the numbers and see what’s possible for YOU in this shifting market! 📱🏡

09/16/2025

Join me and for the Fair Housing Historic Bus Tour! 🚌

We’re teaming up with the Fair Housing Council of Oregon and Chicago Title for an unforgettable 4-hour tour exploring Portland’s history and the fair housing challenges that still shape our communities today. 🌍

✨ Expect powerful storytelling, historic sites, and voices with first-hand experiences you won’t forget.

📅 Date: Tuesday, September 30
⏰ Time: 7:50 AM – 12 PM Tour | 12–2 PM Lunch & Discussion
📍 Meet at: 650 NE Holladay St (Chicago Title @ Liberty Centre)
☕ Coffee + pastries provided
🎓 CE Credits: 4 Hours

💵 Minimum Donation: $50 | Suggested: $100
(All proceeds beyond tour costs go to REPAIR’s Anti-Displacement Fund, helping keep Black homeowners in their homes.)

Spots are limited—don’t wait!
👉 Link in bio to sign up.

09/14/2025

✨ *That feeling when rates are falling!* ✨

I can’t stop smiling today! According to the latest U.S. Bank report, interest rate markets are pricing in FOUR to FIVE Federal Reserve rate cuts between now and June 2026! 📉

What does this mean for YOU? These potential cuts could significantly ease mortgage rates and improve home affordability - something we haven’t seen in years!

As your mortgage advocate, I’m thrilled about what this means for my clients: more negotiating power as housing inventory rises, lower monthly payments, and potentially more buying power!

Whether you’ve been waiting on the sidelines to buy or thinking about refinancing, let’s chat about how these changing market conditions might benefit you 🏡💰

📲 DM me to discuss your situation!

🌈 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 savvy homeowner!⁠ 🎉

09/09/2025

🏠 Ever heard of a RECAST? It’s mortgage’s best-kept secret! 🤫

While everyone’s obsessing over refinancing, smart homeowners are using recasts to lower their monthly payments WITHOUT all those pesky refinance fees!

Here’s the mortgage hack no one talks about 👇

1️⃣ Call your mortgage company (yes, actually talk to them!)
2️⃣ Tell them how much you want to put toward a recast (a fancy term for “big principal payment”)
3️⃣ Pay a small fee (usually just a couple hundred bucks)
4️⃣ BOOM! Lower monthly payments!

Example time! 🧮 $50,000 toward your principal at 7% interest = $350 LESS in monthly payments! That’s $4,200 back in your pocket every year!

The best part? You keep your original interest rate, skip the credit checks, and have extra cash for your next house-hunting adventure!

🌈 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, and empower you to become a homeowner!⁠ 🎉

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. ⁠
⁠
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!⁠ 🎉

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!⁠ 🎉

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!⁠ 🎉

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. 💔

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!⁠ 🎉

Address

Portland, OR
97211

Opening Hours

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

Website

http://www.stephnoble.com/

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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