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.

13
States Licensed
500+
Families Helped
EN/VI
Bilingual Service
Stella Khav
Stella Khav
Mortgage Loan Officer
NMLS 2478824
Bilingual · English & Vietnamese
Licensed Mortgage Lender
Federally Licensed
NMLS #2478824
Licensed in 13 States
Bilingual EN / VI
Your loan, handled with personal care.
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.

I have the expertise and knowledge you need to explore the many financing options available.

Licensed in:

AK AZ FL GA MD MA MO NC OH SC TX UT VA
Loan Programs

The right loan for your situation.

Conventional Loans
From 3% down
Flexible financing for well-qualified buyers.
Learn more →
FHA Loans
580+ credit score
Government-backed loans for first-time buyers.
Learn more →
VA Loans
0% down payment
Exclusive benefits for veterans.
Learn more →
Jumbo Loans
High-value financing
Loans above conforming limits.
Learn more →
Refinancing
Lower your rate
Replace your mortgage with better terms.
Learn more →
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!
Client Reviews

What families are saying.

★★★★★

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.

L&
Linh & Nam N.
★★★★★

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.
★★★★★

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.

M&
Michael & Rosa T.
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.