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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

About me

As a dedicated Mortgage Loan Originator, I bring a comprehensive background in Escrow, Mortgage Processing, and Underwriting to the table. My expertise spans wholesale and retail lending, focusing on serving the communities in California and Utah. I am committed to delivering exceptional, personalized service throughout the entire home loan process, helping clients navigate the complexities of finding a loan that aligns with their immediate financial needs and future aspirations.


Licensed in both California and Utah, I am equipped to support a diverse clientele, ensuring a seamless experience across state lines. Fluent in English and Spanish, I am passionate about creating a collaborative and supportive environment, empowering my clients to make informed decisions. My proficiency encompasses a broad spectrum of loan types, including Conventional Loans, Equity Loans, FHA, USDA, VA, Renovation and Reverse Mortgage loans, allowing me to cater to my clients before, during, and after the loan closes.

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Let’s find the right home loan for you

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.

Product Info

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Testimonials

Testimonials
4.99 out of 5.0 stars
5.0
5.0
4.97
5.0
Felipe R
Jul 03, 2025
Verified

Outstanding professional service and very fast delivery. I would give more starts if I could on my review but google only shows 5 starts. Trust and integrity are some of many of Kathy’s core values. I will definitely recommend her to my family members and friends. Thank you so much Kathy for all your hard work, we appreciate you.
Felipe
Jul 03, 2025
Lompoc, CA
Verified

Kathy Gray was very fast and helpful with all her guidance and very knowledgeable about any questions I had during my loan process. Trust trust trus, is the word that comes to mind when I think about Kathy. I will definitely record her to my family members and friend. Keep up the good work Kathy and thanks a mill for all your help. The Ramos Family
Susan
Jul 01, 2025
Lompoc, CA
Verified

closing on time
Dan
Jun 09, 2025
Ventura, CA
Verified

You said what you were going to do and you did what you said
Jose
Jun 09, 2025
Ventura, CA
Verified

Kathy was fantastic as always so happy to work with her and always available to take care of my clients and my questions. Thank you so much Kathy
Moises
Mar 10, 2025
Taylorville, UT
Verified

Very friendly and professional, always available and resourceful.

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Awards

Scotsman Guide Award

Causes & Memberships

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