Kal worked with my wife and I on purchasing our first home. I had always been told that buying a house is the most stressful thing I will experience in my life, but Kal made it one of the easiest things I’ve ever done and not once was I ever pressured or mislead about anything! He was there for us whenever a question came up during the process and did whatever he could to save us money in every situation. He made everything extremely easy and I felt like I was working with a lifelong friend the whole time. There is no better option than Kal and I guarantee you will be satisfied if you choose him as your loan officer!
I was referred to Kal Bay by my real estate agent. At the time, I was working with another lender. Kal offered me a better rate and lower closing fees. The decision to choose Gateway Mortgage as my lender was an easy one. Kal helped me throughout the process and answered all my questions, as a new home buyer, I had several. The whole process was smooth and we even closed a week before the initial closing date. I cannot recommend him more highly.
I didn't think that I was qualified to buy a house. Kal ran my information and gave me a pre-approval letter a short time later! Him and his team remained in contact with me throughout the process and made paperwork a breeze via online signing. I'd definitely recommend Kal and Gateway!
Kal was helpful and knowledgeable, able to answer all of my questions and present all of my options clearly. He always responded in a timely manner and provided me with updates every step of the way.
I have already referred him to a few friends and will return when seeking my next loan.
I changed lenders three weeks before closing because of a lack of customer service from my original lender. Kal and his team jumped right in, rolled up their sleeves and made it happen in a very short time frame. Being self employed adds a lot of complication to the process, but Kal and team were professional, knowledgeable and personable people who communicated well and make you feel like they are on your side. Buying a house is something most of us will do only two or three times in our lifetimes, so being able to trust that your lender has your best interests at heart is critical. The whole team at Gateway Mortgage Group made me feel valued and well taken care of during the entire process!
Best lending experience ever. I highly recommend them. They listen and totally understand and accommodate. I highly recommend Gateway. I felt informed at all times. Everyone that worked with me was personable yet professional.
Kal and his team were just fantastic to work with. As first-time home buyers who had just recently moved back to the U.S., we so greatly appreciated Kal's responsiveness, professionalism and organization. When we began the home buying process, we spoke with several potential lenders, but we soon realized that Kal was by far the best. Anytime we had a question, he was quick to get back to us with a thorough response and always happy to make sure we had all the information we needed. During the lending process, he provided us with valuable recommendations and his team was extremely communicative. Thank you, Kal, Lian and Paula for all your hard work and dedication!
Kal was such an amazing person to have on our side when trying to buy a home for the first time. Any questions we had day or night Kal was on top of it explaining things (sometimes twice) and helping understand what we were spending our money on and how to best spend our money for our new home. Once we moved Kal made sure to email us and tell us to continue to call and email with any questions we had. His team was great and speedy. We started the closing process and it only took 23 days! Please contact Kal and his team for your lender! You won't be disappointed!
We cannot say enough good things about Kal and his team. As first time home buyers, my husband and I were nervous to start the process and were pretty clueless when it came to buying a home. Kal was amazing at explaining the home buying process to us (in an understanding way), he answered every phone call, email, and/or text in a timely manner and was more than organized when it came to all of the paperwork involved. We truly felt like he went above and beyond for us! We would 100% recommend him to anyone looking for a trustworthy, friendly, organized person to take care of all of their mortgage loan needs!
I have bought multiple homes over the years but never had a smoother experience than this one. Kal and his team made everything seamless. Not only did we close ahead of schedule, but Kal also made some extremely valuable recommendations that will save me thousands of dollars through the term of the loan. Last not but not least, the interest rate was very competitive with NO hidden fees! Don't get tricked with "low" rates but a high APR!
Kal- thank you for your hard work on this transaction!