NMLS #2478824 — Licensed Loan Officer

Your home is
closer than
you think.

Whether you're buying your first home, upgrading, or refinancing — I'll help you find the right loan and make the process feel simple. Serving families across 13 states, in English and Vietnamese.

Start My Application → Meet Stella
13
States Licensed
500+
Families Helped
EN/VI
Bilingual Service
Stella Khavo
Stella Khavo
Mortgage Loan Officer
NMLS #2478824
Apply Now → (919) 525-5967 Send a Message
Bilingual · English & Vietnamese
Licensed Mortgage Lender
Federally Licensed
NMLS #2478824
Licensed in 13 States
Bilingual EN / VI
Home keys and documents
15+
Years of Industry Experience
A Little About Me

Your loan, handled
with personal care.

Whether you're buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist. Since market conditions and mortgage programs change frequently, you need to make sure you're dealing with a top professional who is able to give you quick and accurate financial advice.

I have the expertise and knowledge you need to explore the many financing options available. Ensuring that you make the right choice for you and your family is my ultimate goal — and I am committed to providing mortgage services that exceed your expectations.

Licensed in:

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My Full Story → Explore Loans
Loan Programs

The right loan
for your situation.

See all programs →
Conventional Loans
From 3% down
For buyers with solid credit. Flexible terms, competitive rates, and no upfront mortgage insurance with 20% down.
Learn more →
FHA Loans
580+ credit score
Government-backed loans designed for first-time buyers. Low 3.5% down payment and flexible credit requirements.
Learn more →
VA Loans
0% down payment
An earned benefit for veterans and active-duty service members. Zero down, no PMI — ever.
Learn more →
Jumbo Loans
Above $766,550
Financing for high-value properties above conforming limits. Tailored for premium real estate purchases.
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Refinancing
Current homeowners
Lower your rate, shorten your term, or access equity. I'll run the numbers to show exactly what you'd save.
Learn more →
Bilingual Service
English & Vietnamese
Full mortgage consulting in both languages. Understanding your loan shouldn't require a translator.
Contact Stella →
How It Works

Four steps to your new home.

1
Apply Online
Complete the application in 15–20 minutes. I review it same day and reach out promptly.
2
Review Together
I call you to discuss your options, answer every question, and choose the best loan program together.
3
Processing
My team handles underwriting and paperwork while I keep you informed every step of the way.
4
Close & Move In
Sign at closing and get the keys. Congratulations on your new home!
Begin Your Application →
Client Reviews

What families are saying.

★★★★★

Stella made our first home purchase so much less stressful than we expected. She explained everything clearly and was always available to answer our questions. We closed on time and couldn't be happier.

MR
Michael & Rosa T.
First-time buyers · Texas
★★★★★

As a veteran, I wanted someone who understood VA loans. Stella was a pro — zero down, great rate, and she handled everything. I've already referred three friends to her.

JD
James D.
VA Loan · Virginia
★★★★★

Stella helped us refinance and we're saving over $400 a month. She spoke with us in Vietnamese and made the whole process feel personal — not transactional. We are very grateful.

LN
Linh & Nam N.
Refinance · Georgia
Ready to Start?

Your next home starts here.

Apply online in minutes or call me directly. No obligation, no pressure — just honest guidance from a loan officer who's genuinely invested in your outcome.

Apply Now — It's Free → (919) 525-5967