Highlands Residential Mortgage
Meet Your Loan Officer

Kelvin Luo

Loan Officer
NMLS# 1403108
Licensed for: MLO-1403108
Get Started with Kelvin
1604 Hewitt Avenue, Suite 703
Everett, WA, 98201
O: 425-278-6327 | C: 720-209-4896

About Highlands Residential Mortgage

Your Family. Your Future. Our Focus.

Highlands Residential Mortgage was created in 2010 in the midst of uncertainty and rapid change in the mortgage industry. A group of like-minded seasoned veterans came together to create a company with an employee-focused culture. A culture that values its members both personally and professionally and a company built on the idea that the customer comes first! We believe Highlands Residential Mortgage is such a place. Our Mission to value people drives everything we do.

Meet Kelvin

My Story

I want to earn your business. I believe the loan process should be easy, ­­­­­­quick, and hassle-free. Whether you are my client, the real estate agent, or my business partner who referred me, you will always be kept up to date with world-class communication and service. I pride myself on being a professional advisor that is knowledgeable, responsive, and available; from application to the closing table, I will be in direct contact every step of the way.

I have been in the mortgage business for 10 years and have helped hundreds of families achieve the American Dream of homeownership. As a locally-based mortgage loan officer, I can offer and compare multiple mortgage rates and programs for you, and our in-house process from start to finish will have you closing your loan in record time. No matter the service, it will be done correctly and on time every­ time. Whether you need to purchase a new home, refinance your existing home, cash out equity, buy an investment property, or any other goal you are looking to achieve – I will work with you to find the right mortgage to meet your needs.

My Specialties

Areas of Expertise

  • Recruiting
  • Leadership
  • Sales Development
  • Conventional Mortgage Programs
  • Government Mortgage Programs
  • Pricing and Rates
  • Team Growth

Have Questions?

The Highlands Digital Mortgage Experience

The Highlands Residential Mortgage app makes it easy to plan, manage, and learn more about your personal loan process.