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MICHELLE
NOBLE
MICHELLE
NOBLE
“When my daughter began wonder­
ing who I was, I came to the dark
side,” jokes Michelle Noble, a former
REALTOR® who is now Branch
Manager of Gold Financial Services
in San Antonio. That move to the
“dark side,” as some REALTORS®
refer to mortgages, proved to be
an ideal career move. “I was a sin­
gle mom and needed the flexibility,”
Copyright Top Agent Magazine
says Michelle. “I grew up in a real
estate family and already understood
the business.”
Michelle’s first boss in the mort­
gage business naturally wanted her
to call on REALTORS®. “I told
him I wouldn’t do that,” she says.
“REALTORS® of people who leave
the real estate business and come
Kerrville
We have done business with Michelle for
several years and love working with her.
She is easy to contact, she is honest and
hard working, and
our clients love her.
Key Hill Country
Real Estate
Hunt, TX
830-238-7539
back a week later telling them
they’re a professional at something
else.” Instead, she carved a niche
for herself, originating loans for
people buying manufactured homes.
“I learned FHA loans and figured
that if I could do that, I could do
anything.” Despite being in mort­
gages for nearly 20 years, therefore,
Bandera, TX
We have worked
with Michelle for
over 10 years. As
Realtors in the
Texas Hill Country
nothing is more
important than the
honesty, integrity and work ethic of the professionals we refer to our clients. Michelle
is a rare gem and we love working with
her. Her skill, broad knowledge of lending
and her genuine personality make it easy
for us to refer all of our clients to her.
Martha Bodiford and Ginger Puckett
Edwards Ranch Realty
Pipe Creek, TX
830-428-3295
Floresville - La Vernia - Stockdale Areas
I’ve done business with Michelle for about
five years She was the lender on our
home here in Floresville and the lender I
refer my clients to since then. Michelle’s
knowledge and expertise sets the bar
high for other lenders. She makes each
customer feel like they’re her only client
by giving each of them
a personable
experience.
Tracy Evans, Realtor
RE/MAX Vista
Floresville, TX
(979) 218-7089
Michelle has avoided subprime loans
and other negative trends in the
industry.
“Most of my clients might say I act as
if I’m working on my own loan when
I’m helping them,” says Michelle.
“People in my business tell me over
and over again that I take my loans
too personally, that I need to de­
tach a little. But my response has al­
ways been, ‘that’s what my custom­
ers love most about me! They aren’t
loans, they’re people and this is their
home.’” She prefers face-to-face ap­
pointments with borrowers, at least
80 percent of which are first time
homebuyers. While she still clos­
es a fair amount of FHA and USDA
loans, recently Michelle has incor­
porated more conventional loans for
Copyright Top Agent Magazine
people relocating to Texas with ma­
jor corporations. Each client appre­
ciates her time and attention; she’s
the kind of person who’s never met a
stranger, they say. Sitting down with
her for the first time is like visiting
with a good friend. “My whole life,
I’ve loved talking with people,” she
says. “It’s even better that I get to
help such diverse borrowers.”
Business, according to Michelle,
comes where it’s invited and stays
where it’s nurtured. “If you take
good care of people they’ll stay with
you,” she says. Among the ways
she nurtures is to keep clients in­
formed of how to build equity. “I’ve
Seguin, Converse,
Marion, Cibolo
and Schertz
I have been in the real
estate industry for over
20 years and done
business with Michelle
for the last 7-8 years.
Michelle is, and always
has been, one of the most honest people
I have ever had the honor to work with.
Hardworking and trustworthy are the two
words I associate with Michelle. Whatever
your real estate loan needs are, Michelle
can help.
Drayton Realty
Donna Drayton, Broker, GRI, CHMS, ABR
“Love Where You Live”
210-326-4696
Copyright Top Agent Magazine
San Antonio
Michelle is an excellent
Branch Manager/Loan
Officer at Gold Financial
Services. Her years of
experience have been
an excellent asset for
Michelle. She is always
available and extremely efficient in loan
processing. She is my first pick for all my
clients and the only one I trust with my
personal lending needs.
Dick Gilby Realty
San Antonio, TX
210-492-5166
watched the real estate and financial
markets long enough to know that
people should never bet on prop­
erty values increasing. Everyone
needs to be prepared for unstable
markets, she explains. She also feels
a responsibility to senior citizens
who get bombarded with question­
able offers for cash-out loans and
reverse mortgages. “Reverse mort­
gages can be a great idea for some
people,” she says. But she prefers to
counsels seniors through the idea so
they can understand and plan prop­
erly for when, or if, a reverse mort­
gage makes sense.
New Braunfels, Canyon
Lake, Spring Branch
I started working with Michelle
just a short time ago but my experiences have been fantastic.
She saved a deal that another
lender could not do, my clients
love working with her, she is
always available when I need her and she
gets the job done every time.
Michelle admits that among all her
loans, her favorites are VA loans.
“I’m from a military family and
I’m very close to my veterans,” she Penny Pereboom
Pereboom Group at Keller Williams
says. Providing priority service for The
Realty, New Braunfels, Texas
them is one way she gives back to
830-660-1566
the community. “Helping veterans
get into home is the very least schools, county fairs and Future
I can do to thank them for their Farmers of America. And even af­
service.” She also supports the local ter closing loans, Michelle continues
Copyright Top Agent Magazine
to serve, offering complimentary
tips on credit, taxes, investments and
more. “I stay connected, which starts
people down the road of being
loyal.” She’s grateful, too, to be part
of Gold Financial, which can sup­
port clients with a variety of more
in-depth financial services needs.
It’s clear Michelle is a perfect fit for
mortgages. “I really like where I am
in my career and want to do this as
long as I possibly can,” she says.
“When they tell you that if you find
a job you love you’ll never spend a
day at work, it’s true.”
Hondo, TX
We’ve all used Michelle as a lender for
years and love working with her, she has
a great work ethic,
you can always reach
her, she’s honest and goes above and beyond on every deal, it doesn’t matter if a client is buying a 50K manf home or a 350K
home on 40 acres she treats all her clients
with the best customer service you can get.
Monte Barnes –
Integra Properties- 210-854-8460 cell
Leroy Arnold –
Home Range Real Estate-830-931-4937 cell
Bette Mund –
Bob Heyen Realty-830-741-8167 cell
San Antonio
I need a lender that can:
1. get my people
approved
2. understands the rules
3. understands the issues
on the other side of the transactions.
4. can solve other problems in the
transaction
5. can communicate accurately w/ the
other agent.
This is my checklist for success with a
lender. Michelle meets the list of requirements for me. I’m not easy to satisfy
Rick Frey, Broker of Exit IH 10 Realty
Rick and Maribel Frey, Manuel Esparza,
Rex McCord, Gina Garcia
Exit IH 10 Realty
San Antonio, Texas, 210-694-2500
San Antonio
Michelle has been our primary
loan officer for years now. She
has always provided the highest,
knowledgeable and professional
service for me and my clients.
Michelle is very responsive and
always has a solution to offer to
get the client approved or provides a plan of action if one is
necessary to get the job done. I
will always refer her when asked
for a loan officer. She is also an
outstanding individual that I am privileged
to have as a personal friend.
Toby Cisneros and Norm Muller
San Antonio, TX
210.479.1222
To learn more about Michelle Noble, visit http://www.mnobleloans.com,
email mnoble@goldfinancial.com or call 210.745.5570
Copyright Top Agent Magazine