Steph Noble NMLS 129002

Disclaimer: No frail male egos were hurt in the making of this reel 😅🫣 As your lender I’m more than just a piece of your transition puzzle 🧩 I’m a trusted partner, advisor, and advocate for my divorcing clients 🤝 Going through a divorce is tough enough - getting a mortgage shouldn’t add to your stress. 💚 As someone who specializes in helping clients navigate home financing during divorce, here’s how I show up differently: ✓ Available for those urgent calls when you’re trying to figure out your next steps ✓ Clear communication with both parties and their attorneys to keep the process smooth ✓ Expert guidance and creativity on qualifying with alimony/child support income ✓ Understanding of quitclaim deeds and refinancing after property settlements Your fresh start deserves a dedicated partner who gets it. 🫡 Let’s talk about your options - I’m here to help you move forward with confidence. 🏠❤️ #MortgageBroker #DivorceAndRealEstate #FreshStart #PDXMortgage #PortlandRealEstate

🤔 Real Talk: Sometimes getting a higher interest rate on a refinance actually makes financial sense! Before you click away, hear me out... 💳 Let's talk about credit card debt. If you're carrying balances on multiple high-interest credit cards (we're talking 15-25% APR!), consolidating that debt into a mortgage refinance could dramatically lower your monthly payments. Even if your new mortgage rate is higher than your current one. Think about it: paying 7% instead of 20% on that debt is a huge win! 🏠 Another scenario? If you need to tap into your home's equity for a major expense or investment. Maybe you're funding a home renovation that'll increase your property value, starting a business, or dealing with unexpected medical bills. Sometimes, a cash-out refinance at a higher rate beats alternative financing options or depleting your savings. 🧮 The key is looking at your complete financial picture, not just the mortgage rate in isolation. It's about total monthly payments, tax implications, and your long-term financial goals. 💡 Remember: Personal finance is PERSONAL. I’m hear to break down the barriers and chat with anyone about the strategic moves that can help you get where you want to be financially. Reach out if you think this strategy could be a benefit to you! 🙌 We have the capacity, the expertise, and the sincere desire to support you, strategize with you, help you accomplish your goals & make your home ownership dreams come true!⁠ 🎉 🌈 I’m so thankful to have an amazing team by my side to assist anyone on the West Coast. We’re helping homeowners in California, Oregon, Arizona, all the way to Washington. No matter where we are, we are ready to help. 🏠 #mortgageexpert #personalfinance #financialliteracy #refinancing #realestate #mortgageadvice #financialfreedom #debtfree #moneytips #financialplanning #mortgagebroker #realestateexpert

POV: My team celebrating when you close on your new home! 🎉 We're over here doing our happy dance because there's nothing better than seeing our clients get the keys to their dream home! 🔑✨ Whether it's helping them find their way home, achieve that dreamy vacation home they’ve always wanted, or smoothly navigating a big transition - it just brings us so much joy 🥳 Here's to many more happy dances in 2025! 💞 🕺🏼 🌈 I’m so thankful to have an amazing team by my side to assist anyone on the West Coast. From California, throughout Oregon and all the way to Washington, we’re here for you! No matter where we are, we are ready to help. 🏠 🙌 We have the capacity, the expertise, and the sincere desire to support you, strategize with you, help you accomplish your goals & make your home ownership dreams come true!⁠ 🎉 #PDXMortgage #HomeClosing #MortgageLender #PDXRealEstate #ClosingDay #DreamHome #PortlandRealEstate #MortgageLife #HappyDance #TeamCelebration

Do you want to know what I ACTUALLY look at when pre-approving you for a mortgage? 🔍 Let me break it down for you! 📋 1️⃣ Debt-to-Income Ratio: This tells me how much of your monthly income goes towards paying debts. Lower is better! 💪 2️⃣ Loan-to-Value (LTV): This shows how much you’re borrowing compared to the home’s value. The more down payment you have, the better your chances! 🏠 3️⃣ Income: I’ll look at your steady income streams to ensure you can comfortably make those monthly payments. Show me those paystubs! 💵 4️⃣ Credit Score: Your credit history matters! Good credit = Better rates. Let’s make those numbers work for you! ⭐ 5️⃣ Employment: A stable job history gives lenders confidence in your ability to repay. Two years is the sweet spot! 💼 I’m ready to help when the time is right for you! 🤗 Let’s get you into that dream home 🌟 #MortgageBroker #HomeLoans #RealEstate #MortgageTips #FirstTimeHomeBuyer #MortgageEducation #HomeBuying #RealEstateFinance #MortgageAdvice #HousingMarket

🎄✨ We have a winner… or TWO! 🎉🎅 To wrap up our holiday celebrations, we want to say a heartfelt THANK YOU to our amazing clients and business partners. Your support means the world to us! 💖🎁 We’re thrilled to announce the lucky winners of our raffle! 🏆❄️ Here’s the big reveal… Happy Holidays from Team Noble! 🎄☃️✨

Raffle going live in one hour. Come back at 1pm.

🏠 Caught you scrolling through Zillow again! I see those Palm Springs dream homes in your “saved” folder... 😉 Let’s be honest—Zillow scrolling is waaay more fun when you know exactly what you can afford! 💪🏠 Don’t let your dream home slip through your fingers because you weren’t prepared. Get pre-approved now, so you’ll be ready to pounce when “the one” appears! Before you fall head over heels for that Palm Springs paradise or that Lake Washington condo, let’s talk strategy to make it happen. As your West Coast mortgage expert, I’ll help you create a rock-solid plan for your dream getaway or forever home. Your girl is licensed in Oregon, Washington, and California—so dream as big as you want! Whether you’re dreaming of: 🌴 Poolside living 🏔️ Mountain retreats 🌊 Coastal escapes ...or anywhere in between! #MortgagePro #DreamHome #RealEstate #HomeLoans #VacationHome #CaliforniaLiving #PalmSprings #MortgageBroker #HomeFinancing #SecondHome #RealEstateInvestment #WestCoastLiving

📣 Listen up! I bet you've heard people wondering when the "bubble will pop," right? I talk with many buyers who are trying to time the market, hoping to buy at the absolute perfect moment in history. But has anyone ever explained what actually happens if your home's value dips? The secret is... ...absolutely nothing! 🤫 Sorry for the anticlimactic answer, but here's the truth: you keep living your life, making those mortgage payments, and enjoying your space. Remember, real estate is a long game, and values fluctuate. What really matters? Your ability to afford your payments and the joy your home brings you. 🏡❤️ As long as you plan on a real estate purchase being somewhat long-term, it's one of the safest and least risky ways to invest. I’m so thankful to have an amazing team by my side to assist anyone on the West Coast. From California 🌞 all the way to Washington, we’re here for you! 🙌 No matter where we are, we are ready to help. We have the capacity, the expertise, and the sincere desire to support you, strategize with you, help you accomplish your goals & make your home ownership dreams come true!⁠ 🎯🌈 #WestCoastRealEstate #MortgageTips #HomeownershipTruths #RealEstateMarket #FinancialWisdom

Realtors, this breaking news is for you! If you have questions, I’m here for you. I would be happy to bring clarity to this news. Drop a comment or DM me with your questions. #breakingnews #mortgagebroker #homebuying #queerlender #homeownership #mortgagetips #mortgagelender #realtortips #mortgagenews

Hey Portland house hunters! I will be here today until 1pm day dreaming about getting one of my clients into this home so I can come over for movie night. 👋 Picture this: You’re curled up with a good book by the fireplace, or maybe you’re hosting an epic movie night with a projector that appears like magic (and I’m obviously there, too)! Afterwards, you enjoy your private spa bathroom with heated floors before falling into a cozy sleep under your vaulted ceilings knowing you have the coolest house on the block with a perfect cozy-meets-techy vibe. You’ve got to check this place out! Come by to see me before 1pm today and let’s talk about how we can get you the financing you need to make it yours. 🏡 5013 NE 48th Ave, Portland, OR 97218 💸 Asking $869k 🚪 Open house till 1pm today! Listed by bethbonita.realestate #mortgagebroker #homebuying #queerlender #homeownership #mortgagelender #realestate #dreamhome #booklovers #spabathroom #heatedfloors #libraryladder #chefskitchen

🏡 Dreaming of a bigger, better home but worried about selling your current one first? Good news! It's more doable than you think! 💡 Did you know you can buy your next home with as little as 5% down? 🤯 Here's the secret sauce: 1. Keep your current home as a rental property 🏘️ 2. Use the rental income to offset your mortgage payment 💰 3. Take advantage of stable rents and your existing low interest rate 📊 Voila! You've just unlocked the power to upgrade your living situation without the stress of selling first. It might seem like a dream, but for many, it's very possible! 🎉 Ready to explore your options? Let's chat! 📞 🌈 I’m so thankful to have an amazing team by my side to assist anyone on the West Coast. From California all the way to Washington, we’re here for you! No matter where we are, we are ready to help.⁠ 🙌 We have the capacity, the expertise, and the sincere desire to support you, strategize with you, help you accomplish your goals & make your home ownership dreams come true!⁠ 🎉⁠ #homesweethome #instahome #dreamhome #property #newhome #mortgagebroker #realty #realestatelife #househunting #broker #properties #homeloans #realestate #homes #homebuyers