Local & Powerful Home Mortgage Solutions

Kal Bay
Mortgage Sales Manager

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
4.8 of 5 stars
35 reviews
  • David V reviewed Gateway Mortgage Group
    December 16 at 4:16pm
    Kal was fantastic! He helped us with any questions we had. He even called us as he was getting ready to go to dinner with his wife on her birthday. This guy has made the process so much easier for us. I am very thankful for him and his team for all they helped us with in our refinance.
  • Matt in AZ reviewed Gateway Mortgage Group
    December 10 at 10:05pm
    Kal was great. Always happy to help, explain, communicate and properly set expectations. It was a pleasure working with Kal and his team. Kal was there every step of the way.
  • Carol Wall reviewed Gateway Mortgage Group
    October 20 at 9:47am
    It was great working with Kal and his team. They were very responsive and made the process very easy. Everything was handled efficiently and in a timely manner.
  • Tinder-Stafford reviewed Gateway Mortgage Group
    August 13 at 10:28am
    Kal and his team are exceptional in everything they did for us! I highly recommend them for any mortgage need. They went above and beyond, answering any questions we had. Truly a stress free experience all around. Thank you Kal and team for your excellent care and service with our last two Refinancing experiences!!!
  • Jamie Cornell reviewed Gateway Mortgage Group
    June 23 at 8:34am
    Working with Kal was a great experience! Answered all my questions, walked me through the process step by step, and prepped me for what to expect next. He was always available to answer my questions. Lastly, he was able to provide the best rate possible. I highly recommend working with Kal.
  • Paris Shewey reviewed Gateway Mortgage Group
    May 8 at 1:20pm
    I heard about Kal through a mutual connection and called him regarding refinancing my primary residence. Kal was available immediately and within three days we locked in a lower rate than expected, completed all preliminary paperwork and within 10 days I was signing at the title company. This all happened during the Covid-19 pandemic, insane rate fluctuations with record lows and a very busy workload for Kal! He crushed it for me! Call him!
  • Matt F reviewed Gateway Mortgage Group
    April 14 at 10:46am
    Kal and his team were extremely knowledgeable, professional, and quick to respond through the Home Buying Process. As first-time home buyers, we had little knowledge of most of the process and finer points, but Kal had no problem taking the time to break everything down for us and was very thorough in walking us through everything to where we were comfortable with our own understanding. I would highly recommend Kal (and already have) to many of my friends in the same stage of life.
  • Dennis Chekota reviewed Gateway Mortgage Group
    April 3 at 2:37pm
    This was our first time buying a home, and Kal and his team made the experience absolutely pain free. Always ready to answer questions, give good advice and have my best interest at heart. Do yourself a favor and don't waist time "shoppin" around. They will beat anything out there and make it hassle free. From the bottom of our hearts, huge thank you from the Chekota family. Many blessings to you folks!
  • rachellecothren78 reviewed Gateway Mortgage Group
    February 19 at 12:00pm
    This was by far the easiest and quickest refinance I’ve ever done. Kal and his team were on top of everything from start to finish, near immediate response times, clear communication, kind and respectful. I could not recommend them more.

View all reviews on Zillow

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Why The Gateway Experience is Different

Your home, your family and your community drives us to exceed your expectations.
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Local expertise with powerful resources
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An intuitive and secure digital mortgage
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An easy path to success and happiness
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