Kelvin Luo

LOAN OFFICER | NMLS# 1403108

5.0

(87)

Mortgage

Mortgage Loan Officer

Contact Info

(720) 209-4896

Bellevue, WA

https://highlandsmortgage.com/agents/kelvin-luo/

Location & Business Hours

Business Hours

Wed

8:30 AM to 5 PM

Thu

8:30 AM to 5 PM

Fri

8:30 AM to 5 PM(Open now)

View All days

Search Reviews

Write a Review

5.0

(87)

Filter by Date

Range

Filter by Rating

Experience.com

4.98

(17)

Zillow

5.0

(70)

Show All

Reset all filters

Kelvin is the best mortgage agent we ever worked with. Highly recommended and you will love working with him! He really pays great attention to details and take strong ownership throughout the process. Most importantly he really cares about...

Reply from Owner

December 14th, 2025 12:00 AM

Thank you so much for taking the time to write such a thoughtful and generous review, William. I truly appreciate your trust and kind words. It was an absolute pleasure working with you, and I’m very grateful for the opportunity to guide you...

He is professional, patient and knowledgeable. Communication was smooth, every question I had was answered clearly and promptly. He explained the details about the loan details and the company he is working for.

Reply from Owner

October 25th, 2025 12:00 AM

Thank you so much, Gin! I truly appreciate your kind words and the trust you placed in me throughout the process. I’m glad my explanations and communication helped make everything clear and straightforward for you. Providing transparent information...

It was great experience to work with Kelvin. GMCC has very good rate. Kelvin was very proactive through the refinance process: reached out at every milestones, informed me the information l need to know, helped me solve problems when there...

Reply from Owner

July 23rd, 2025 12:00 AM

Hi Susy, thank you from the bottom of my heart for your kind words and for taking the time to share your wonderful experience. It was truly an honor to work with you on your refinance, and I couldn’t be happier that you felt supported, informed,...

As a first-time home buyer, Kelvin delivered an exceptional mortgage experience with unbeatable rates and truly outstanding service. I shopped around and Kelvin offered the most competitive rates I encountered. But what truly set him apart...

Reply from Owner

March 30th, 2025 12:00 AM

Thank you so much for your incredibly kind and detailed review, Irene! It truly means a lot to know that I could make your first homebuying experience a positive and stress-free one. I’m so glad we found the right loan product for your needs,...

Kelvin is professional! Collecting information for buying a house is not easy, I have spent a whole month to collect and do the corrections. Kelvin is very knowledgeable and patient to me, no matter how much problems I made and he helped me...

Reply from Owner

September 28th, 2024 12:00 AM

I am incredibly thankful for your kind words, Grace. It was my pleasure to guide you through the process and be a reliable source for your queries and concerns. Your trust and satisfaction are what motivate me to be thorough and detail-oriented...

I was referred to Kelvin for home purchase loan and it did not disappoint me. Kelvin quickly provide me the pre-qualify letter at the same day I contact him, giving me a lot of great advice and analysis. He also provided the best rate I can...

Reply from Owner

July 18th, 2024 12:00 AM

Thank you so much for your kind words and the 5-star review! I'm thrilled to hear that you had a good experience working with me. I understand purchasing your first home can be a lengthy process, especially in the current market conditions,...

Kelvin was absolutely terrific. He was very knowledgable and guided us throughout the process. His rates were the best in the market. Kelvin was available after hours and over the weekends. He truly works on your side to make sure your home...

Reply from Owner

June 22nd, 2024 12:00 AM

I'm thrilled to hear that you found the process transparent and helpful, Ahmad! Your satisfaction is a great reward for me. I'm glad I was able to assist you through every step, and I'm always here should you need assistance in the future....

Kelvin Luo, is a complete professional. I was referred to him and he did not disappoint. He gave me great rates and helped me explore other options so I could be sure I was doing what was best for me. He got it done in less than 27 days, which...

Reply from Kelvin Luo

May 23rd, 2024 08:46 PM

Thank you so much for your kind words and the 5-star review! I'm thrilled to hear that you had a good experience working with me. Your trust and satisfaction are what motivate me to be thorough and detail-oriented in my work. It was truly a...

Reply from Owner

July 23rd, 2024 12:00 AM

Absolutely amazing and smooth loan process with Kelvin. He is responsive and friendly, cleared out all my questions and concerns on documents for an satisfying experience. I was nervous about not able to get my loan approved on time at the...

Reply from Kelvin Luo

May 7th, 2024 05:54 PM

'm truly humbled by your kind words, Lin. It's always my goal to make the mortgage process as transparent and understandable as possible. Your satisfaction and comfort are my main priority, and I'm glad to hear that I was able to provide that...

10 of 87

About

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 is such a place. Our Mission to value people drives everything we do. We have the vision to be the world’s most respected mortgage brand. To accomplish this, we have created a culture that supports our team members, so they can deliver unmatched service and products to our customers and industry partners, while fulfilling the American Dream of homeownership.

Products & Services

Mortgage Loan Officer

Specialities

Mortgage Consulting

Search Rank ScoreLearn More →

What is the Search Rank Score®?

Experience.com’s Search Rank Score measures a professional’s online search visibility across hundreds of key SEO attributes.

Year Started

2021

Time Zone

Pacific Standard Time (PST)

Licenses

NMLS# 1403108

Disclaimer

An Equal Housing Lender | Highlands Residential Mortgage, Ltd is located at 950 W. Bethany Drive, Suite 800 - Allen, TX 75013. | NMLS Identifier # 134871 www.nmlsconsumeraccess.org | A Texas Limited Liability Company registered under The Texas Department of Savings and Mortgage Lending Division of Licensing | Operating with the following licenses: AL Consumer Credit License #21266; AR Combination Mortgage Banker-Broker-Servicer License #109369; Arizona Mortgage Banker License #BK-1011006; CA-Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, Finance Lender Licensee #4131240; CO Colorado Mortgage Company Registration #134871. Regulated by the Division of Real Estate.; DC Mortgage Lender License #MLB134871; FL Mortgage Lender License #MLD968; GA Mortgage Lender License/Registration #37908; IA Mortgage Banker License #2018-0120; IL Illinois Residential Mortgage Licensee NMLS ID MB.6761013R (www.nmlsconsumeraccess.org). License by the Illinois Division of Banking, 320 West Washington St., Springfield, IL 62786, (217) 782-3000.; IN-DFI Mortgage Lending License #30529; KS Mortgage Company License #MC.0025127; KY Mortgage Company License #MC390233; LA Residential Mortgage Lending License; MD Mortgage Lender License #06-20712; MI Licensed by the Mississippi Department of Banking and Consumer Finance #134871 / Minn. Stat. Ann. § 58A.20; MO Company License #16-2132; NC Mortgage Lender License #L-157614; NE Mortgage Banker License #NE134871; NJ-Licensed mortgage banker n.s.--N.J. Department of Banking #134871; NM Mortgage Loan Company License; OH General Loan Law Certificate of Registration #GL.502014.000; OH Residential Mortgage Lending Act Certificate of Registration #MBMB.850279.000; OK Mortgage Broker License #MB002229; OK Mortgage Lender License #ML010007; Oregon Mortgage Lender License ML-5891; SC-BFI Mortgage Lender / Servicer License #MLS – 134871; TN Mortgage License #115557; TX-Texas – SML Mortgage Banker Registration #134871 https://www.sml.texas.gov/ConsumerInformation/tdsml_consumer_complaints.html; VA- Virginia Broker License #MC-5729. Virginia Lender License NMLS ID MC-5729 (www.nmlsconsumeraccess.org) NMLS ID #40889VA; Pennsylvania Lender License #75616; WA Consumer Loan Company License #CL-134871. This is not an offer for extension of credit or a commitment to lend.