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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

11/08/2025

🏠 Going through a divorce? One of the biggest questions I get is: "Do we HAVE to sell the house?"

The short answer? Not necessarily.

💡 As a Certified Divorce Lending Professional, I've helped countless clients navigate this exact situation.

There are actually several paths forward—refinancing to buy out your spouse's equity, exploring loan assumption options, or even setting up a co-ownership arrangement post-divorce.

Each situation is unique, and what works best depends on your financial picture, your goals, and what you want your next chapter to look like.

Here's what most people don't realize though: timing is EVERYTHING. ⏰

If you sell during divorce proceedings without proper planning, you could be hit with capital gains taxes that were completely avoidable.

Plus, the emotional toll of making rushed decisions during an already stressful time? That's real, and it matters.

I work with my clients to map out all the options, run the numbers, and find the solution that protects both their financial future and their peace of mind.

Bottom line: you have more options than you think. Whether keeping the home makes sense or selling is actually the smarter move, let's talk through it together and find the path that works best 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, and empower you!⁠ 🎉

11/03/2025

🚨 You're not gonna like this, but you NEED to hear it…especially Buyers looking for a great deal 🚨

Homes that are sitting on the market for months, something’s going on…listen up to see which of these three things could be going on:

1️⃣ The price is too high — Sellers (and sometimes agents) get emotionally attached to a number that just doesn't match reality 📊

2️⃣ The listing agent dropped the ball — Not answering calls? Bad marketing? Bad agents kill deals and let houses sit 📱❌

3️⃣ There's something wrong with the house — The property itself might have issues that are turning buyers away 🏚️

But here's the SILVER LINING for buyers: 🌟

A house that's been on the market for 60+ days? That's your opportunity for a DEAL 💰 Figure out which of these three factors is at play, and you could score serious savings.

Ready to turn market stagnation into your advantage? Let's talk strategy 👉 DM me to chat!

🌈 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!⁠ 🎉

10/31/2025

GET IT WHILE YOU STILL CAN! 🎃 Offers due TODAY, Friday 10/31. Happy Halloween!

🏡✨ Check out this fantastic property listed by my clients! Originally built duplex, lovingly preserved in the heart of Hawthorne. This two-family gem sits proud on a 6,100 sq ft lot. Each flat tells its own story with expansive rooms, breathtaking woodwork, built-ins, and clawfoot tubs:

🌿 1216: Garden views, circular layout, oak floors, wood-burning fireplace, gracious dining room, airy bedrooms, and tons of space for your creative pursuits

🌳 1218: Elegant treehouse penthouse! 2-story retreat with unpainted woodwork, extensive built-ins, bayed window seat, gas fireplace, pocket doors, picture molding, fir floors, stainless kitchen with subway tile & butcher block, private balcony, skylights, and a flexible finished attic.

1216 SE 18th Ave. Portland OR 97214
$899,900
Listed by

DM me to get pre-approved! 🔑

10/24/2025

Those letters are coming! 📩📬💰🏡 Here is your property tax statement 101:

The color of your statement matters too—yellow means your mortgage company or the Department of Revenue may pay on your behalf, while green means you have taxes to pay. 💸

Your statement includes key property data like your account number and address, ownership information, and property values including Real Market Value (RMV) and Assessed Value. 📈🏡

Payment flexibility is built in! You can pay in full for a 3% discount, two-thirds for a 2% discount, or split payments into thirds with due dates on November 17, February 16, and May 15.

Multiple payment options are available including online payments, phone, drop box, mail, or through your bank’s bill pay service. Remember, to earn discounts and avoid interest, payments must be received or postmarked by the due date.

Important to note: tax increases aren’t limited to 3% per year! Factors like new voter-approved bonds, property renovations beyond basic maintenance, or loss of compression can result in larger increases. If you disagree with your property’s market value, you can appeal by December 31, 2025 with a $30 filing fee.

Visit multcotax.org for more information and payment options!

10/23/2025

Listen up, Zillow scrollers 👀 If you’re looking at houses online every night, it’s time to get pre-approved (it costs you NOTHING).

I see it ALL. THE. TIME. 🤦‍♀️ The panicked call from someone who just found their “dream home” on Zillow and needs a pre-approval YESTERDAY. They’ve been browsing listings for months but never bothered to get financially ready.

Here’s the hard truth: last-minute mortgage miracles rarely happen.

Not saying that my team hasn’t made it happen…some do call us miracle workers after all 🤓😎

But the more likely outcome? When you throw your hat in the ring last minute, you don’t have enough time to put together as strong of an offer. You’ll likely be overshadowed by someone who was more prepared.

The clients who actually WIN their dream homes? They did the work FIRST. They got their finances organized, paperwork ready, and even strategically paid down debt to boost their buying power.

So take my advice and start your preapproval even when you’re “just browsing” because when that perfect home appears, you’ll either be ready to pounce or watching someone else get the keys.

Your choice. 🔑

10/21/2025

Back by popular demand, my annual Halloween memes!🎃👻 And if you’re ready to stop haunting open houses and finally get the keys? Let’s chat! 🔑

10/19/2025

Your mortgage BFF here dropping the real estate wisdom you’ve been waiting for...

1. Your dream home doesn’t have to be your forever home

2. Most people wait TOO LONG to talk to a mortgage broker (hint: 6-12 months before buying is ideal!)

3. The “perfect” interest rate is a myth - waiting for rates to drop has cost more clients their dream home than anything else

4. The client who asks the most questions ALWAYS gets the best deal

5. Building wealth through real estate isn’t about timing the market - it’s about getting in the market

These might not seem like mind-blowing facts, but you’d be surprised how many people don’t consider these things before making decisions—or worse, remain on the sidelines when they could be actively building wealth.

Ready to turn these insights into action? Reach out for a 1 on 1 strategy session where we’ll map out your personalized wealth-building plan through real estate. Your financial future is worth the conversation!

10/17/2025

The mortgage world can feel like a boys’ club sometimes.

You hear things like, “trust me bro” far too often. 🙄

That’s why all of the women on my team work hard to create a space that brings both expertise AND empathy to the table.

No ego, no jargon - just straightforward advice tailored to YOUR unique situation.

Whether you’re a first-time buyer, going through a divorce, or looking to invest in property, my team has the years of experience and the genuine interest in your long term success.

Team Noble is proudly queer-led and woman powered! 🏳️‍🌈💅🏼

Drop a comment or send us a DM if you want a team of badass women to help you fund your next home purchase!

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