Awesome!

This was by far the easiest refi I have ever done. Everything was as Kirk Gay said it would be, and fast! Thanks Kirk!

Got it done

My refinance was not the easiest of situations and Kirk was there the whole way to get it done. I am very happy with the outcome and would use Kirk and Pacific Beneficial Mortgage again tomorrow if I had to do the whole thing again.

Kirk Gay is the BEST

I was so pleased with the customer service provided by Kirk Gay. He respected my request to handle the re-finance primarily by e-mail. Kirk is efficient, knowledgeable and a blast to deal with. He made me feel like I was his number one customer. THANK YOU very smooth process. A very honest man.

Extremely Pleased with Kirk Gay

I found Kirk Gay to be knowledgeable, honest, straightforward, and capable of providing the best loan offer. He clearly explained the details of each loan option and he provided great advice in choosing which type of loan to obtain. During the entire process, Kirk was available and responsive to all needs. I am extermely pleased with Kirk Gay and Pacific Beneficial.

Outstanding service for VA refinancing

On March 26, 2014 I completed an online VA mortgage refinance application with Lending Tree. That day I received an e-mail from Pacific Beneficial's Kirk Gay along with several other lenders. I spent almost a week comparing interest rates and closing costs with about 7 different lenders. After giving all the lenders a fair chance to earn my business I decided to go with Pacific Beneficial's Kirk Gay and Summer Anderson. Their interest rates and closing costs were very competitive and lower than the competition. On April 1, 2014 I locked in a 3.75% interest rate for 30 days. I was skeptical at first because 30 days to close seemed like a short amount of time to get the inspections, repairs, and all the documents prepared. But as time went by both Kirk and Summer kept in contact with me and updated me with the next steps of the process. On May 1, 2014 I signed my closing documents and on May 06, 2014 the funds cleared my account. This has been by far one of the smoothest processes I have ever gone through. If I ever decide to purchase another property in the future or refinance any of my current properties, I will definitely call Kirk Gay at Pacific Beneficial. Here is his contact info: 877********* ext. 7028 If you want your VA refinance to go as smooth as mine did, please be sure to have these documents ready: Tax returns for 2 years, W2’s for 2 years, your last 2 paystubs, DD214, Mortgage Statement, Declaration of Insurance. Thanks again Kirk and Summer! It was a pleasure doing business with the two of you! -AllanR