Kirk Gay

Kirk Gay

4.97 of 5 31 Reviews

Red White & Blue Lending - NMLS ID 1488745

2522 Chambers RD Suite 106, Tustin, CA, 92780 NMLS ID: 362089

Licensing/Registration information on this individual can be found by clicking the NMLS ID number

About Me

Hello, my name is Kirk Gay and I am a loan officer at Pacific Beneficial Mortgage Company. I have more than 15 years of experience. Whether you are looking to purchase a home, or refinance an existing loan, I can help. Our customer service is second to none in the industry and we offer wholesale pricing directly to the public.

Office Location

2522 Chambers RD Suite 106, Tustin, CA, 92780

Get Directions

Licensed In

California Texas

Ratings & Reviews

31 Reviews
(4.97 of 5)
  • Interest Rates
    Excellent
  • Fees & Closing Costs
    Excellent
  • Responsiveness
    Excellent
  • Customer Service
    Excellent

Review Breakdown


(5 of 5)

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

Brooks from Rocklin, CA


(5 of 5)

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.

Jayx from Los Angeles


(5 of 5)

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.

Eric74 from California


(5 of 5)

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.

paosdave from Paso Robles, CA


(5 of 5)

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!

TimR from Palo Alto, CA

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