Best experience ever

I have gone through the mortgage process about 8 times since I'm in the military and move often. Working with Kirk Gay and his staff was by far the best experience I've ever had. Friendly, extremely quick and personable (because they have a smaller business, and the best business model). Pacific Beneficial has streamlined the process and decreased my mortgage to 3.25% (no additional cost) when every other company said they could only do 3.625% for no additional cost. Bottom line they want you as a customer for life and they're not trying to take advantage of you. Honesty best describes Kirk Gay

Kirk's the best

Kirk made this process very easy. We were both patient and got all the paperwork ready, and then just waited until we were both comfortable with the numbers. We talked many times while waiting just to see where we were at. I WOULD recommend him to anyone looking to refinance a home.

Great Service

I worked with Kirk on my recent refinance. He was great to work with. He answered my questions promptly and kept me up to date on the status.

Kirk provides professional and personal service

Kirk responded promptly each time I had a question. He was willing to spend time explaining each step and never rushed through issues. I would gladly recommend him to my closest friends.

Kirk Gay @ Pacific Beneficial

I just re-financed my home in Palo Alto, CA - Kirk was awesome. He reached out to me immediately after I submitted my application, he worked with me every step of the way, found me a terrific rate, and we closed on schedule with zero effort or pain. I highly recommend Kirk to anyone thinking about refinancing. I was actually very impressed with the rate - it was better than expected!