Mark -
The way that Einstein thought about this was in his classic thought experiment that resulted in the Equivalence Principle. You may be aware that gravity and acceleration are equivalent. You can think of this in the following terms:
A space ship (Einstein used an elevator) with no windows and no instruments sits on the surface of the earth. The pilot stands on the floor and feels 1G acceleration pressing against the soles of his feet due to the gravitational field of the earth. (ADDED: If he drops an object - any object - it will fall at 9.8 m/sec^2 toward the floor).
The same ship accelerates at 1G in empty space, far from any star or galaxy. The pilot again feels 1G against his feet due to the acceleration of the spacecraft. (ADDED: A dropped object will again fall at 9.8 m/sec^2 to the floor).
With no windows and no instruments, the pilot has no way to tell the difference between these two conditions. The insight that Einstein provided is that he cannot tell the difference because THERE IS NO DIFFERENCE. Gravity and acceleration are two ways of looking at the exact same thing.
Now, think of the pilot shining a flashlight across the cockpit as he accelerates upward. If the acceleration is extreme enough, or if the space ship is vast enough, the pilot will see that as he accelerates upward, he will leave the light beam slightly behind. It will not hit the far wall of the cockpit at the same height at which he is holding the flashlight. In his accelerated frame of reference, he will see the light beam curve downward.
Since gravity is equivalent to acceleration, gravity will have the same effect and will therefore also bend the light beam downward. The "mass" or lack of mass of the photons does not play a role at all. It is the way the universe is affected by gravity.