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Stela Gogaj

Sr. Loan Officer

Clifton, NJ Mortgage Lender

NMLS #2026405

374 Clifton Avenue, Suite 1
Clifton, NJ 07011
Contact Methods
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(347) 712-7323


About Stela

I’m a dedicated loan officer with a passion for helping individuals achieve their dream of homeownership. I take pride in providing personalized guidance, simplifying the loan process, and discovering creative ways to solve complex financial situations. My commitment is to get you to the closing table as smoothly as possible while ensuring your satisfaction every step of the way.

We’ll begin your home financing journey by meeting one-on-one and exploring loan solutions that meet your ever-changing circumstances. Conventional, FHA, VA, and USDA loans are a few options we can consider and customize to help you reach your goals. I understand that the home financing process can be overwhelming, which is why I’ll be here to support you and answer questions from our first conversation to closing. Whether you’re buying, refinancing, or renovating, I would be honored to guide you home.

When I’m not pre-approving clients or closing on a loan, you’ll find me boxing, running, lifting weights, or spending time with my family and puppies!


  • Purchase and Refinance
  • Purchase
  • Refinance Loans

Recent Posts and Articles


A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.

Helping your home financing process go smoothly.


  • The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

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