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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. Personal NMLS129002
Branch NMLS1825
(15)

08/03/2024

Why consider multigenerational living?

It's a fantastic way to share community, responsibilities, and finances. 🏡

👨‍👩‍👧‍👦 By living together, families can support each other in countless ways, from childcare to eldercare, while pooling resources to create a more stable and enriching home environment.

From a lending perspective, I can often offer specialized loan products that accommodate larger, multi-income households. 🤗

🏘️ This not only changes your preapproval amount but can expand the types of homes you may be able to consider. Multigenerational homes tend to have higher stability and lower default rates, as multiple family members contribute to the mortgage payments. 💰

🫱🏿‍🫲🏾 It's not just a living arrangement; it's a way of creating a robust support system.

08/01/2024

July in Portland Moodboard. Isn't PNW summer just the best? 🤩 ⁠
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Full of fam, Stef, fun outdoor activities and pups along for the ride 🛶⚽️😍☀️🫶🌳⁠
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***rlender

07/11/2024

Hi friends! Have you worked with me in the past? If so, I would be beyond grateful if you would consider writing me a quick review on Google about our experience working together. My team and I truly appreciate the favor ♥️

Below is the link!
https://g.page/r/Cf8aDqmRVNewEBM/review

Thank you, thank you!!

07/10/2024

🔑 When it comes to securing a mortgage, understanding the difference between prequalification and preapproval is crucial.

Prequalification gives you an estimate of how much you can borrow based on self-reported financial info, and it’s quick and free! 🏠

But if you want to be a competitive buyer, preapproval is the way to go! 💪 It involves a thorough review of your financial situation and gives you a conditional commitment for a specific loan amount. 📝💵

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! 🏡✨

07/02/2024

June was cute 🥰
Here's to more sunshine, more memories being made, and more sweet connections with clients, family and friends 💜

***rLender

06/18/2024

Homeownership – a dream for many, yet a challenging reality for some. Let's talk about something real: homeownership rates are a significant 20% lower for individuals identifying as le***an, gay, bisexual, transgender, and q***r (LGBTQIA+) compared to those who identify as straight and cisgender. 🏳️‍🌈🏠 Why?

The systemic barriers are numerous. The cost of living for LGBTQIA+ individuals is disproportionately higher, primarily because they often reside in states offering more social and policy protections, which tend to be more expensive.

Economic factors play a crucial role too, with 61% of unmarried transgender or nonbinary individuals earning less than $50,000 a year. 😔 Additionally, the intersectionality of being LGBTQIA+ and a person of color presents a double disadvantage when it comes to homeownership access.

But remember, change is in our hands! 🌈👊

VOTE. Vote in local and state elections for politicians that protect the LGBTQIA+ community. Your vote has power. 🗳️

STAND UP. If you see discrimination happening, be courageous and call it out. Remember, silence is complicity. 🙌

PUT YOUR MONEY WHERE YOUR MOUTH IS. If you have the means, consider donating to organizations that are tirelessly working to close this gap. Every dollar can make a difference. 💰

Who is Team Noble? A q***r & women-run mortgage team with a combined 60+ years of industry experience. We are dedicated to breaking down these barriers to homeownership for our LGBTQIA+ community. 🏳️‍🌈🏘️

Please share our message with anyone you know who dreams of owning their home and could use our support getting there. From Californiato Oregon all the way to Washington, we’re here for you, ready to help, strategize, and support you in accomplishing your goals and making your homeownership dreams come true! 💪✨

05/24/2024

🤔 Is it still worth it to buy a home even when rates feel high?

👉 There are many factors, including your unique situation, but here’s my two cents...

Every year, home prices continue to rise 📈 presenting homeowners with the unique opportunity to build considerable equity. Owning real estate is one of the most stable investments one can make.

This equity💰that is built forms a robust financial foundation that provides not only security but also potential for significant growth.

Owning a house brings with it a sense of permanence, making it more than just a property but a home 💞 But it doesn’t stop there…

It’s also a stepping stone towards building future wealth 💪 Utilizing your equity to secure other investments or credit is a huge asset to property owners.

At the end of the day, rates will continue to be a moving target 🎯 that you can watch and adjust over the life of your loan 👌

So what do you think, is property ownership the right decision for you? If you are not sure, it’s my job to help you find out what it would take. Call me or send me a DM if you are interested in finding out how close you are to qualifying for a home loan.📲

If you’re not there yet, I will help you create a path that can get you there. 🗺️

🌈 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!⁠

05/11/2024

Looking to sell this year? 🏠

The Spring market is the sweet spot you’ve been waiting for. 🌷

The number of homes for sale and new listings activity continues to improve compared to last year. 📈 However, the inventory of homes for sale still has a long journey back to pre-pandemic levels. 🔄

Two big reasons why this Spring is looking good for sellers:

- Thanks to an uptick in inventory over the last year, you’ve got more options as you search for your next home. 🏡
- There are still fewer homes for sale than there would normally be. Meaning 👉 Your house should stand out and get a lot of buyer attention. 👀

If you plan to sell, I can help you prepare all of your options for your next transition. Reach out when you’re ready! 📞

***rlender

05/09/2024

Join us and dive into the world of home buying in the wake of the recent change. This workshop will equip you with the knowledge and tools you need to navigate the new landscape post-NAR lawsuit. You'll learn how the industry is changing, and what those changes mean for you as a future homeowner. Come along with your questions and you'll walk away with just the knowledge you need to feel fully prepared for the road ahead. Don't miss out on this opportunity to get ahead of the curve and turn potential challenges into home-buying victories!

Hosted by two industry experts, you will have a licensed Realtor as well as a mortgage broker present to offer insights into how they work as a team to support you and answer your questions about all things home buying process, pre-approval, and latest industry shifts.

Attendance is FREE. Cozy into the charming space provided at the Think Real Estate office. There will be drinks, snacks and take home resources provided. This event is open to anyone in the community looking for answers and guidance regarding their Real Estate goals.

05/07/2024

That's a wrap on April 🤗 We enjoyed time with friends, had quick getaways to sunny places, and celebrated my favorite human's bday! We worked hard, the dogs lazed hard 🙃 and we got to experience a drag brunch for the record books 💄

05/06/2024

🚨Important!🚨
We are very impressed by the work REPAIR is doing by encouraging white individuals involved in real estate to begin or continue an anti-racist path, fostering an environment for BIPOC individuals to enter and thrive in the real estate industry, and raising funds for BIPOC community members to build and retain generational wealth through homeownership.

I will be matching ANY & ALL donations (up to $2500) between now & June 15th.

Ready, Set, Go! 🚥 LFG! 💵

Check the link in my bio to donate and DM a with any questions! 🙏

05/04/2024

Did you know? 🤔 About 45% of homes in the US don’t have a mortgage on them. The homeowner actually owns the property free and clear. When these homes come up for sale, there’s actually an opportunity for buyers to ask the seller to offer financing for them. 🏡💰

Why would a seller consider this? 🤷‍♂️ From a tax standpoint, it might be better for the seller to receive a monthly payment from offering financing versus a large lump sum of cash when they sell. Could this be the right move for you? 💡

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!⁠

04/30/2024

If the idea of homeownership feels like a far-off fairytale this event is for you! Our goal is to center access in our practice; having conversations and building community is the first step in opening doors for others.

We welcome Q***r, BIPOC, and like minded folks as we hope to uplift those with our shared identities. The room will be filled with a ueer industry folks who have one goal: de-mystify the homebuying process.

Head to the link in my bio for more deets and to register 📲

04/19/2024

I hear so much confusion around…

…whether or not you need a preapproval to start searching for homes. So, is it really necessary? 💭

Let's set the record straight. 📝 A preapproval is definitely a key step in the home-buying process. It's your ticket to understanding how much you can afford and shows sellers you're a serious buyer.

So, before you start exploring that dream neighborhood, make sure you have your preapproval in hand. It's your home-buying compass, guiding you toward homes that are right within your reach. 👌

And hey, if you found this information helpful, don't keep it to yourself. Share this with a friend who could use some clarity on their home-buying journey! 👥

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!

04/09/2024

👆 These are 3 of the most common whoopsies I see buyers make as they start their preapproval process…

🧠 Knowing what not to do is so helpful as you start to plan your homeownership journey, or make moves to a next property. Check out and 📌 Save these tips to ensure a smooth mortgage process!

🙌 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!⁠

***rLender

04/02/2024

Winning the Best of Portland Readers Poll this year would be incredibly meaningful to me 💞🏆️ My team and I work incredibly hard to show up consistently for our clients and provide an exceptional level of service.
Could you lend us a hand by taking a moment to nominate me? Click the link below to write me in by 4/26, It would mean the world to our team!

https://bop.wweek.com/goods-and-services/best-mortgage-loan-officer

***rlender

04/01/2024

That’s a wrap on March!

Spring is finally here and with that comes long walks with our pups and the bits of Portland sunshine we have been craving so much.

We had so many fun times connecting with our clients and seeing some of our Realtor pals, soaked in the sunshine at every opportunity, and enjoyed yummy food. The highlight was of course the Indian Wells Tennis Tournament and March madness 🎾🏀🤗

***rs

03/25/2024

🐾 Rocco & Fannie Mae’s latest Mortgage Tip: Don’t be nervous to reach out to your mortgage broker as soon as you’re considering making a move. 📦️

Why? 💡 Because we can help you create a roadmap to reach your goals. This could involve improving your credit, leveraging the equity in your current home, or devising creative strategies to get you into the home of your dreams. 💪 As your lender, my role is to guide, support, and offer trusted advice throughout the process. I'm always available for a 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!⁠

***rlender

03/17/2024

Happy Women’s History Month! Single women are not just making strides in the workforce, they're also leading the charge in homeownership! 🏠 More and more, they're proving that you don't need TWO to make a house a home. Here's to the independent women making their mark on the real estate market! 🎉💪

This all-woman team has your back! 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!⁠

03/12/2024

Every year during Women’s History Month, I can’t help but ruminate on how things have changed for us in such a short amount of time. It wasn’t until 1900 that every state had a law granting women the right to own property. Women have made major strides in homeownership, breaking through societal norms and barriers.

Today more women than ever hold the 🔑 to their own homes. The trend is clear: women are claiming their space in the real estate market. The current rate of women's homeownership is at an all-time high! 🎉👏 I’m so happy to celebrate and support women making a place for themselves in the world of homeownership.

I’m so thankful to have an amazing team of brilliant women 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!⁠

03/08/2024

💭 Taking time to reflect on my first home-buying experience.

I bought my first house without a real estate agent and I found the house on my own. Although the purchase was successful, there are three crucial things I WISH I had known before I bought that home ⬇️

First up, the power of negotiation 💪 I unknowingly paid full price without exploring my options. I did NO negotiations. I didn’t realize I had that ability, especially at a time when you could negotiate.

Second, a knowledgeable guide for the home inspection would have spared me unnecessary stress. I literally found a random home inspector in the yellow pages. I think they did a good job, but I had no one to walk me through what was and was not important. A home inspector's job is to tell you everything wrong with the home. So I ended up in tears thinking I was buying a crappy house (I wasn’t).

And lastly, understanding earnest money 💸 I wish I had someone to dispel the misconception that it meant an all-or-nothing commitment. I thought my earnest money was at risk, that I needed to buy the house or I would lose my earnest money…despite how I was feeling after that home inspection.

Drop one thing you wish you knew before buying a home in the comments! 👇👇

Here’s to learning from the past and empowering others on their home-buying journey. 🏡

03/04/2024

🏠 Unlock the power of home equity! 🗝️💰

Did you know that you can leverage your home's value to achieve your goals? 🏡💪 Home equity is simply the difference between your home's value and your current mortgage balance. Let's say your home is worth $500,000 and you owe $300,000 on your mortgage. That means you have $200,000 in equity! 🤩💸

But here's the exciting part: with a Home Equity Line of Credit (HELOC), you can access that equity and use it for anything you want! Whether it's renovating your home, paying for education, or even purchasing your next dream home, the possibilities are endless. 🌟

I often hear from folks who need to sell in order to buy and this is a great option to achieve this. Reach out to learn more about HELOCs and how they can create opportunities for you! 🔓✨

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!⁠

***rLender

03/01/2024

I recently heard this terrible mortgage advice 😵 that someone had given my client...⁠
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Someone told them to go for a 15-year mortgage so they would pay less in interest and have it paid off sooner. Here’s how I broke it down for them 👇️⁠
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🚫 The 15-year mortgage is not your best option as a first-time homebuyer. Here's why: Other generations enjoyed huge rate benefits for 15 year mortgages, but that's not the case now. So instead of getting a rate benefit, you'll end up with higher mortgage payments for the next 15 years. 💸💔⁠
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🤔 Just think about it: Paying off your loan over 15 years instead of 30 means those payments will be significantly higher. And let's be honest, high mortgage payments can be risky if anything changes in your life. ⚠️⁠
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💡 In my opinion, the 30-year mortgage is the way to go. You'll have lower monthly payments, and if you want to pay off your mortgage sooner, you can always make extra payments each month. It's all about flexibility! 💪💰⁠
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***rLender

02/22/2024

I love this homebuying hack 👇👇👇⁠
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For my house hunters 🏡 considering purchasing a home with a basement or detached ADU, we can actually use that projected rental income to increase your buying power. ⁠
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Not only do you have the added benefit of purchasing a home you otherwise wouldn’t have been able to, but you have space you can rent, and have your tenant's contributions going to your mortgage. Win-win! 💪⁠
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Could this be your trick to landing your dream home? Let’s chat about your options! 🚀 ⁠
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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.⁠
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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!⁠
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02/19/2024

What was the question I was asked the most this week? 🥁 Drumroll please….. What documents are needed for a preapproval? 📄

✨ 🔑 The key to a smooth preapproval process is gathering your documentation, my friends! 🤝
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But don't worry, it's not too intense. All you really need are these three areas covered: income, assets, and credit.⁠
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💰 So gather those pay stubs, bank statements, tax returns and we’ll do the rest. You'll be one step closer to your preapproval for your dream home or refinance! 🏡⁠
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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!⁠

***rLender

02/14/2024

💕 What is your love language? 💕⁠
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There's nothing quite as romantic as turning your forever roommate into your co-borrower 🥰 When you're ready to take the leap, reach out to start your preapproval process! 💑🏡💖⁠
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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 + your Valentine or Galentine! No matter where you 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!⁠
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***rbusiness⁠
***rlender⁠
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01/08/2024

Check out the incredible donations for so far! 👀

Join us in making a difference! 🌟 There is still time to be a part of our supply drive! We are accepting donations for two more days.

Plus you can drop by our office on January 10th from 4pm-6pm to organize, package, and enjoy snacks & drinks together. Your support matters! 🌹

📍 1737 NE Alberta St. Suite 205.

01/04/2024

A very heartfelt thank you to our clients and business partners who supported our business this last year. Because of your trust, we helped 172 families find their dream homes, securing an aggregate loan value of $83 million. From the smallest loan at $135k to the largest at $1.12 million, each transaction was a testament to our commitment.

We’re proud to have earned 89 new 5-🌟 Google reviews and expanded our reach to serve in four states: Oregon, Washington, California, and Vermont.

Beyond business, we’ve dedicated ourselves to giving back, with over $25k donated to five incredible nonprofits:

Your support has propelled us to become the number one q***r-led, all-woman lending team in Oregon. Thank you so much for being part of our journey. We’re excited to see what 2024 has in store for us. 🏡💙

***rmortgagelender

#2023

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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Videos

This is for my doctors! 🩺 You do so much for the community every day. We're here to return the favor and make owning a home as easy as possible for you. I have a program just for you Dr. 👉 Here’s the perks: ⭐️ No down payment! ⭐️ No mortgage insurance ⭐️ You can qualify before you even start your job ⭐️ Up to 2M (!) loan amount ⭐️ Flexible term options Let's help you become a homeowner with innovative solutions and flexible financing! 🏥💰 💼🏠 This special program extends to all of our beloved medical professionals including medical doctors, dentists, podiatrists, ophthalmologists, veterinarians and more. #DoctorLoan #HomeOwnership #MortgageBroker #MedicalProfessionals #Doctorlife #FutureDoctor

💰 This tips sounds too good to be true, but there really are some simple yet highly effective hacks to save yourself BIG $$ over the life of your loan. Here’s the hard truth…over the life of a 30-year mortgage with a 7% rate on a 600k home, you’d actually end up paying over $830,000 in interest alone! 😱 📉 But here’s the game-changer: if you make just one extra mortgage payment a year, you’ll save over $219,000 in interest and pay off your loan seven years sooner! 💸✨ That’s right, just one extra payment each year can significantly reduce the amount of interest you pay and help you become debt-free faster. Keep following along for more mortgage hacks and homebuyer hot-tips! 🚀 #MortgageTips #MortgageBroker #HomeFinancing #SaveMoney #DebtFreeJourney #HomeBuying #FinancialFreedom #RealEstateAdvice #MortgageHacks #HomeLoans

Giveaway winner time!!! We announced this giveaway a few weeks back and want to say a BIG THANKS to everyone who participated! The winner is getting a gift card to delicious @gumbapdx 🤤 CONGRATS @ibrakeforrainbows 🌈🌈🌈 Stay tuned to my stories to hear about future giveaways ⚽️🍝🎟️🤩🤗 #giveaway #bestofportland #local lender #mortgagebroker #queerlender #pdx #pnwlife

Thinking about buying a home next year? 🏡 With potential lower rates on the horizon, now is the perfect time to start preparing. Here are some steps that will help us preapprove you quickly when the time is right. First, ensure that your credit score is in top shape by getting in touch so we can look up your financial landscape together. 📊 I can guide you to pay off the right debts and move money where it needs to be so your DTI and credit score are looking good 💯 A higher credit score means a no-brainer preapproval and can sometimes even secure you a better interest rate.👌 Next, make sure you’re saving for your down payment. 💰 The more you can put down upfront, the less you’ll need to borrow, which can also impact the interest rate offered to you. Additionally, having a larger down payment can sometimes help you avoid paying for private mortgage insurance (PMI), further reducing your monthly payments. 📉 Finally, gather all necessary financial documents and keep them organized. 🗂️ It may be a good time to chat with a tax expert to ensure you are prepared and have all documentation we will need when the time is right. We will want to look at proof of income, tax returns, and other financial statements so get your ducks in a row now and you’ll thank yourself later. 📝 Reach out now if you want support getting prepared! 📞 🌈 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!

Thinking about investing in rental property? 🏠 Owning a rental property can be a fantastic way to expand your real estate portfolio, create stability and have a long-term investment that brings (mostly) passive income. Here are 4 things you need to know before starting your search: 💪 Stable employment: A history of two years of stable employment or, if you're self-employed, two years of filed tax returns is crucial. ⚖️ Low debt-to-income ratio: Your expenses should not be more than 45% of your income. 💰 Down payment: Typically, a 20% down payment is required for a rental property, unless you're exploring one of my house hacks. Check out past videos to learn more! 📌 Location: Choose a good location that’s easy to rent out. 🌈 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!⁠ #Homeownership #RealEstateInvesting #RentalProperty #Community #PNWLife 🏘️

Are you ready to buy a house? These are the 4 things you need to think about before you start your home search. 1. Down Payment 💰: Typically, you need 3-5% of the purchase price. For a $400k house, a 5% down payment is $20k. 2. Plan to Stay 🌳: Plan on living in the house for a few years. It's a commitment! 3. Your Budget 💸: Consider what you're willing to pay for a mortgage monthly. Discuss this with anyone you're purchasing with. 4. Your Team 🤝: A fantastic lender and a great real estate agent are crucial. So thankful to have an amazing team 🙌 From California to Washington, we're here to 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. 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 #MortgageBroker #HomeLoan #RealEstate #HomeBuying #MortgageTips

We did it! 🎉 A huge thank you to everyone who donated to our matching fundraiser for REPAIR. Your generosity has not only met but exceeded our expectations and we are thrilled at what we came together to accomplish. 💖 Each contribution, no matter how small, made a significant impact. 🙏 If you’d still like to donate, it’s not too late! Click the link to the fundraiser on my IG page and add to our 5K donation to make this donation even more impactful. 🌟 To learn more head to: @Repair_oregon #fundraiser #donate #realestate #homeownership #mortgagelender #support #pdxcommunity

Are you transgender and considering buying a home? 🏳️‍⚧️🏡 I'm passionate about getting more trans folks into homeownership. It's no secret that there are a number of barriers that make housing discrimination more common for trans people. This is why I'm sharing 3 important things for you to keep in mind when applying for a mortgage. 1. This one is important > your gender identity CANNOT be a factor in the loan approval process. Only your financial ability to repay the loan is considered. 🚫💪 2. Be aware of any documentation that has both your previous and current name. It's crucial to work with a professional who can quickly and smoothly secure approval for you if you have a history of name change. 3. Your credit profile! After a legal name change, inform the credit bureau so your good credit follows your new legal name. Homeownership is a fantastic way to ensure stability as well as community resilience. 💪 🤗 It’s so important to find a lender who is not only inclusive but also knowledgeable to guide you swiftly through the process and any hurdles you may face. Please feel free to share this post with anyone who could use the info! 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!⁠ #transrightsarehumanrights #queerlender #homeownership

How much would it cost to buy this home? Let’s dive into the finances… Purchase Price: $649,900 Downpayment: 10% Interest Rate: 6.99% APR: *7.35% Monthly Payment: $4,612 (30 yr fixed loan) Cash to Close: ~$85,000 Take a tour of 2732 SE 35th Ave. and then call me if you want to make it yours. I would love to help someone get the home loan to purchase this beautiful property. This 1920’s bungalow is set on oversized lot with a gorgeous landscape design and ADU. Amazingly, it’s been cared for by the same family for 70 years. Listed by the amazing @brightspacepdx 2732 SE 35th Ave. Portland, OR 97202 #homesforsale #portland #homeloan #houseporn #mortgagebroker #homeaffordability #hometour #portlandhomes #buythishouse

Do you want to know when will rates come down? 👀 Understanding the factors that influence rates is crucial as it significantly affects the housing market and affordability. Many people anticipate buying or refinancing when rates decrease. So, keep an eye on these two key indicators to predict rate drops: 1. The jobs report 📰. Released monthly, low job numbers could signify a potential decrease in interest rates. 2. The inflation report 📈. The Fed's target is a 2% inflation rate. So, keep an eye on these! Low job report numbers and decreasing inflation could signal that rates might drop. Staying informed is key if you're strategizing your next move! 💡 🌈 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!⁠ #mortgagelender #mortgagerates #homebuyertips #homeownertips

Don’t make this mistake prior to listing your property! I often see clients invest in the WRONG UPDATES prior to selling their home. That’s why it’s always a good idea to check in with the experts before you ready your home for market. Here are the 4 renovations I’ve seen have the biggest return… 4️⃣ A major bathroom remodel - a completely new bathroom can make your house shine and increase its worth. 🛀🚿 3️⃣ Converting attic space into bedrooms - extra square footage means more value. 2️⃣ A kitchen refresh: think cabinets, countertops, and hardware - a minor remodel, not a major one! 1️⃣ A minor bathroom remodel can freshen up your space and get you great returns. Invest wisely in your home renovations for the best returns! 🛠️💰 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!⁠ #hometips #homeownertips #mortgagelender #homebuyer

GRWM as I head to an open house. Talking about everything you need to know about a prequalification vs a preapproval. ****Watch to the end for the credit tip. 📊🤓#firsttimehomebuyer #mortgage #queerlender #preapproval

Did you know? 🤔 About 45% of homes in the US don’t have a mortgage on them. The homeowner actually owns the property free and clear. When these homes come up for sale, there’s actually an opportunity for buyers to ask the seller to offer financing for them. 🏡💰 Why would a seller consider this? 🤷‍♂️ From a tax standpoint, it might be better for the seller to receive a monthly payment from offering financing versus a large lump sum of cash when they sell. Could this be the right move for you? 💡 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!⁠ #SellerFinancing #MortgageTips #MotgageLender #WomenInFinance #Homeownership #HomeownerHacks

🏡 Spring has sprung! 🌷 This was what April looked like for Team Noble 🤩 It’s always such an honor to help our incredible clients secure amazing properties. From Portland, to Bend to Palm Springs our clients are starting new chapters in lovely homes 🎉👏 #homemortgage #homebuyers #mortgagelender #pdxlender #portlandrealestate #queerlender

🏡 Homeownership is my passion, and I truly believe it’s a great choice for many people. 🙌 However, it’s important to note that it’s not for everyone. Here are some reasons you may want to hold off on buying real estate: You’re uncertain about your financial situation 💸 You’re unsure about where you want to live for the next few years 🌍 You don’t want the added stress of maintaining a home 🙋‍♂️ If you answered yes, then renting could be a better option for you. 🏘️ But, if you’re at a place where you want more stability in your housing, and you’re confident about where you want to spend the next few years, homeownership could be a fantastic choice for you and a great way to put down roots in your community! 💪 This could be a wonderful year to jump into homeownership! 🎉🎊 I’m so thankful to have an amazing team by my side to assist anyone on the West Coast. From California, to Oregon, 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!⁠ #mortgagelender #mortgagebroker #pnw #queerlender #womanledbusiness #womeninfinance #homeownership #homeownertips

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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