Team Noble
Your Future Our Focus
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1737 NE Alberta Street, Suite 205 Portland, OR 97211 Mobile (503) 780-4924 Tel (971) 256-4742 [email protected]
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- Purchase
- Refinance
We’ll be with you every step of the way
I love working in a dream-making industry. Every day, I get to help people invest in a future that aligns with their most fundamental joys. On top of that, I’ve had the pleasure of building relationships with colleagues and industry professionals that I wouldn’t trade for the world. But if we take an honest look at the mortgage industry over the past decade, it’s easy to see the way we engage with the housing process is changing. Technology and career saturation have made a huge impact on how we operate.
When I think of what our team has excelled at over the past decade, it’s embracing the human element. Fostering something in our client relationships that feel homey and special and beyond a commodity. Because as serious and business-like as a home loan is, it’s also—maybe more importantly—deeply personal. As the Portland, OR branch of America’s #1 Retail Mortgage Lender, we’ll always be dedicated to being more than professional.
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Guides and resources
How much will my mortgage payment be?
This calculator is being provided for educational purposes only. The results are estimates based on information you provided and may not reflect CrossCountry Mortgage, LLC product terms. The information cannot be used by CrossCountry Mortgage, LLC to determine a customer’s eligibility for a specific product or service.
Inspiration for your home loan journey
Steph’s testimonials
Meet our team
Steph Noble
- Originating Branch Manager
- NMLS #129002
- 1737 NE Alberta Street
- Suite 205
- Portland, OR 97211
- [email protected]
- mobile 503-780-4924
- tel 971-256-4742
Our support staff
Liz Baria
Branch Administrative Assistant
Tina Wilcox
Transaction Team Lead – LP2
Jenny Westgaard
Sr. Licensed Loan Assistant ? LP2
Heidi Odegaard
Preapproval Team Lead – LP1
Stef Avery
Co-Branch ManagerMy social posts
Frequently asked questions
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Refinancing costs typically range from 2% to 6% of the loan amount and include fees such as appraisal, title insurance, and closing costs. Factors like your loan type, location, and credit score can significantly impact these expenses. Our team can help to provide strategies that can help minimize costs.
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To determine how much home you can afford, you’ll want to assess your financial situation. This includes your income, expenses, and debt-to-income ratio, to ensure your mortgage fits comfortably within your budget. A general guideline is to spend no more than 28% of your gross monthly income on housing costs and 36% on total debt.
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A good credit score typically starts at 620 for conventional loans, while FHA and VA loans may accept scores as low as 500, though higher scores offer better terms. A strong credit score can help you secure lower interest rates, saving you significant money over the life of a home loan.
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A Home Equity Line of Credit (HELOC) is a revolving line of credit that allows homeowners to borrow against the equity in their home. HELOCs function like a credit card, giving access to funds up to a set limit, which can be used for expenses like renovations or debt consolidation. You only pay interest on the amount you borrow, and the repayment terms typically include a draw period followed by a repayment period.
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To calculate your mortgage payments, start with your loan amount, interest rate, and loan term. Your payment will depend on the interest charged over time and the repayment schedule. You can use a monthly mortgage payment calculator or connect with us to learn more.