Local & Powerful Home Mortgage Solutions

Kal Bay
Loan Originator

  • 1706 D Street, Ste. A
  • Vancouver, WA 98663
  • NMLS 1454045

Thank you for considering Gateway

At Gateway, we weave the knowledge and expertise of our local mortgage professionals together with state-of-the-art technology and the powerful resources of a national company to make your homebuying experience easy, reliable, and fast.

As your Loan Officer, I am committed to walking along-side you through every step of the journey to home ownership; from pre-qualification to guiding you to the home loan that’s right for you from our full suite of products. I will also be available to either take your application personally or guide you through our intuitive, easy-to-use online mortgage application. My dedication to you doesn’t stop once your loan closes. Since Gateway is committed to servicing the loans we originate, you can have a local and trustworthy companion to call on for any of your mortgage needs.

My promise to my clients is to provide transparency, timely communications, and excellent service. I am committed to building stronger communities and families one home at a time. Call me today, and let’s get started!

Reviews Section Headline
5 of 5 stars
19 reviews
  • firemomma2019 reviewed Gateway Mortgage Group
    September 28 at 7:12am
    Kal is the most honest person I’ve worked with who will never push a type of loan on you for his own gain. Their whole team is great to work with and on top of the process the entire time making sure everything is done on time. Would highly recommend their team for whatever loan you are looking for.
  • parares88 reviewed Gateway Mortgage Group
    September 27 at 4:35pm
    Kal and the team at Gateway are a joy to work with, we worked with Kal when buying our first home and have now refinanced with him as well. I highly recommend the Gateway team to anybody buying a home or refinancing, they make the process simple and are very supportive every step of the way.
  • aleksey tupikov reviewed Gateway Mortgage Group
    September 3 at 12:43pm
    My wife and I have had such a wonderful experience with Kal and his team. Starting from their front desk staff at their office to Kal himself. Kal and his team pulled so many strings to help us close in less then 30 days because of our renting situation and us needing to be out of our place in 30 days. Kal and his team made it so easy for us to contact them if we had any questions at any time of the day and just were very informative about everything that was going on. Kal also was very educating in helping us learn about different aspects of buying a house which was extremely helpful as first time home buyers. We are so thankful for Kal and his team and we keep recommending him to our close friends and family because we wish for everyone to have such a wonderful experience of buying their first home. Also, the interest rate that Kal had offered us was by a whole percent lower than what our bank offered us. We got so lucky!!
  • Daylerisley reviewed Gateway Mortgage Group
    August 28 at 10:47am
    My husband is 71 and I am 67. We have purchased many homes in our life together. This is the first with Kal and the Gateway group. This is actually a review of the refi we did of our first buy with Gateway. The customer service provided by all at Gateway is the best we've ever experienced. I've never had to deal with robo calls. Always talked to real live caring people. They outshine all competition. God willing we will never move again but, if we do, we will use Kal Bay and Gateway. You will not be disappointed.
  • zuser201709101738140 reviewed Gateway Mortgage Group
    August 20 at 7:34pm
    We have used Kal and the Gateway team twice now. They have yet to disappoint. Kal is friendly, relatable and trustworthy. My next mortgage in the spring will be with this team forsure!
  • Carrie Miller reviewed Gateway Mortgage Group
    June 28 at 1:21pm
    Kal and his team were the best! They closed my loan in record time. I couldn't have asked for a better experience! I am truly thankful for their dedication on my behalf.
  • emilyrose423 reviewed Gateway Mortgage Group
    May 6 at 7:43am
    We could not have moved in time without Kal and his team!! They worked so so hard at making it possible. He answered our 1 million questions and made us feel that we were in control the entire time! Thank you Kal! From the bottom of our hearts we were able to get a home because of you and your team. As long as Kal is a loan officer, we will use him every time! He is all around such a good person! He was always just a text/call away for us EVERY day while we were looking and closing on our home! Amazing! We cannot say enough good things about him!
  • Josh reviewed Gateway Mortgage Group
    April 11 at 4:42pm
    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!
  • tagtoonz reviewed Gateway Mortgage Group
    March 9 at 9:53am
    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.
  • Steven Desrosier reviewed Gateway Mortgage Group
    February 22 at 10:21am
    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!

View all reviews on Zillow

Gateway Mortgage Orange circle with white button

Why The Gateway Experience is Different

Your home, your family and your community drives us to exceed your expectations.
Icon for Local expertise with powerful resources
Local expertise with powerful resources
Gateway Mortgage Orange circle with white chevron button
Icon for An intuitive and secure digital mortgage
An intuitive and secure digital mortgage
Gateway Mortgage Orange circle with white chevron button
Icon for An easy path to success and happiness
An easy path to success and happiness
Gateway Mortgage Orange circle with white chevron button

The Connection Center