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Kathy Gray

Kathy Gray

Senior Loan Officer

1000 Town Center Dr., Suite 520, Oxnard, CA 93036
Own what matters
Own what matters

About Me

With a strong background in Escrow, Mortgage Processing, and Underwriting, I have a wealth of experience in both wholesale and retail lending in Ventura County. My goal is to provide exceptional, personalized service throughout the entire home loan process, ensuring that my clients find a loan that meets their current needs and budget while also considering their long-term goals. I am proficient in English and Spanish, and I strive to foster a collaborative and supportive environment for my clients in Ventura County and beyond. I am well-versed in a variety of loan types, including Conventional, FHA, FHA 203K, USDA, and VA.

I am authorized to do business in the State of California. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Guild Mortgage Company; Equal Housing Opportunity; NMLS #3274.

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We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

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5.0 out of 5.0 stars
Apr 08, 2024

Thank you!
Jan 29, 2024

The transaction was so smooth and Kathy was ahead of schedule for all items
Jan 29, 2024

Kathy was extremely responsive and always kept everyone updated on progress throughout the transaction. Really smooth and ready to close ahead of schedule. Would definitely recommend to future clients!
Jan 29, 2024

Kathy was very helpful and the entire team was very helpful, too.
Dec 11, 2023

Kathy is very knowledgeable, efficient, and has outstanding people skills. I’ve been using Cathlina for over five years. She is my preferred lender. She knows how to get the job done when it’s necessary. I highly recommend Kathy to everyone that I speak with regarding purchasing a home.
Jul 23, 2023

Kathy, our loan officer, was a great partner during the entire process. I was a first-time home buyer and had lots of questions. Kathy was always available. She patiently and kindly answered all my questions. She broke down complex concepts that enabled me to work with her, with confidence. Pat, our loan processing agent, was great during the loan processing time. The insurance company we chose had a few delays on their end. Pat kept me in the loop and called the insurance company on our behalf multiple times to get everything in order. I had high confidence in both Kathy and Pat during the entire buying process.

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NMLS ID #238911
I am authorized to do business in the state of California. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act;