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Kathy Gray

Senior Loan Officer

1000 Town Center Dr., Suite 520, Oxnard, CA 93036
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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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5.0 out of 5.0 stars
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.
Jan 05, 2023

We were new to Ventura County housing market and were glad that Kathy became our loan officer t especially during turbulent housing & mortgage market. She is patient knowledgeable pleasant to communicate with very hard worker (even outside normal business hours) and all around very helpful with us in the loan process. She always made sure to have our best interest in mind and we will not hesitate to work with her again when opportunity comes.
Sep 21, 2022

She is the best!!!! It was a 3 year project to buy a home and she was gracious and eventually became a friend. Thank you Kathy!!
Apr 16, 2022

Kathy did a great job of helping me navigate my first home purchase. From the first conversation I felt that I was in good hands and that feeling never changed. I highly recommend her to anyone in the market for a mortgage.
Feb 28, 2022

Loved working with Kathy and Kristine. They made us feel really well with our first home purchase. Kathy was always available to answer all my questions. Thank you Kathy. I will definitely recommend Guild Mortgage.
Aug 25, 2021

Kathy Gray is exceptional! She is patient pleasant listened to my needs knowledgeable and provided support through the entire home financing process. I highly recommend Kathy to anyone looking to finance or refinance their home.

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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;