A Mortgage Education Leader

Kyle and his team were fantastic. Not only is he a trust worthy person but he made us feel extremely comfortable during the process. He was a great communicator and worked with us side by side the entire way. I highly recommend Kyle and his team.

I am a first time homebuyer and I had no clue how to apply for a loan and where to start . Kyle and his crew were very helpful, they made the prosses very easy and helped me understand a lot of it”s aspects . They walked me through one step at the time so I don’t feel overwhelmed.
I truly believed that Kyle and I will close on time which we did, because I felt how confident he was and it was contagious.
Thanks Kyle and all Element Mortgage-team
I HIGHLY recommend-them.

Most fantastic people you will work with! I have worked with Kyle for a couple years now. He always has the most professional team, friendly and a team that will fight for you. I cannot speak more highly of Kyle abs this company. I highly recommend them to anybody. They are extremely trustworthy. I would not look further if I were you.

I truly can’t say enough good about Kyle McCray (Element Mortgage). I feel he goes above and beyond the call of duty and here’s why. I was dealing with some pretty crucial home loan/finance decisions in the midst of some personal struggles and needless to say, I was a bit stressed out! I remember our initial phone conversation, I hung up the phone thinking, this guy cannot be real. Well, he was! Kyle was so genuinely kind and really listened to every concern I had. He could tell I was struggling to make some decisions so he would sit on the phone with me as long as needed in order to help me make decisions that I was comfortable with. He always had a back-up plan and he always had options for me. He kept me in the loop every step of the way during the process. I think the thing that really blew me away was his calls to check on me as he knew I was going through some challenging times. I would recommend Kyle to anyone with complete confidence. With the work ethics I saw in Kyle, I know he will go far. Thank you again Kyle for everything you did for me; it will not be forgotten.

Kyle was a great help to us in our first time home buying experience. He was patient and answered the many questions we had and was always available.

With interest rates so low we decided to refinance a property in Incline Village, NV. We live in Los Angeles and were connected with Kyle McCray of Element Mortgage. Working with Kyle was seamless. He had every detail worked out. Our appraisal took longer than expected to get back but Kyle assured us he would be able to lock in the interest rate. And he did just that. I highly recommend Kyle if you are looking to refinance or purchase a home.

Kyle and everyone at Element were amazing to work with. Communication was excellent, they were super organized and professional. They walked us through the whole process and helped us with any questions or concerns we had. We thoroughly enjoyed working with Kyle & his Team and highly recommend them!

Kyle and everyone at Element were amazing to work with. Communication was excellent, they were super organized and professional. They walked us through the whole process and helped us with any questions or concerns we had. We thoroughly enjoyed working with Kyle & his Team and highly recommend them!

Very easy and convenient process.

Exceptional experience! Kyle was an awesome communicator and was on the ball. He worked quickly and made sure to bring us updates throughout the entire loan process. Kyle made our home buying experience seamless and easy!

Excellent communication and service! Super happy with our experience and the loan we received. I would highly recommend Kyle McCray and his team to anyone.

Kyle was great to work with and helped make the process easy. He was accessible when I had questions and walked me through each step as we progressed.

Working with Kyle on my Refi was excellent. He worked with me through the whole loan process and kept me up to date with the progress of my loan.
I would definitely recommend and work with Kyle again.

Assisted me to get everything I wanted. Kept me up to date with what was going on every step of the way. Very pleasant and patient due to me being very busy. He took the time to explain anything that I wasn’t sure about. Really seemed to care about getting the best rate for me. The loan went through with ears

We used Kyle for the purchase of our new home in Auburn! He put everything together for us very quickly, communicated through the entire process, and made sure we got the best interest rate. I highly recommend Kyle to anyone looking to purchase a home or refinance. Thanks Kyle!!

This was my first experience with American Pacific/Element Mortgage and working with Kyle McCray has been so easy. I’m not a computer person but I was able to do everything they asked by way of the computer and if I had trouble, Kyle was very patient. I never felt like the computer illiterate I know I am. LOL. Everything was fast and even the Notary coming to my house for final paper signing was pleasant. If you are wanting to refinance, fix a loan or get a lower rate, I highly recommend this company.

Kyle was able to get me pre-qualified quickly and helped me learn about the home loan process. He responded to all my questions. I was concerned that the interest rate and closing costs were high, but he and his team were able to explain how about a third of it was prepaying costs and setting up an escrow account (they even recorded a custom video explanation). So it turns out that I only paid about 2% in fees for all parties involved including HOA. The interest rate was good for a condo. Closing date was a few days before the estimate and the whole process from first inquiry took about a month.

This was our first time home buying and applying for a mortgage loan. The process was unknown and foreign to me and Kyle and his team really helped simplify the process. He stayed in contact with me through the whole process and responded quickly to answer any and all questions that had come up! The process was streamlined and quick! I was amazed at how well Kyle and his team cooperated and communicated throughout the process so no detail was left unnoticed! Kyle was on top of every detail and would even call me late at night to accommodate my work schedule! I would highly recommend Kyle and his team to anyone looking to buy a house, they are professional, courteous, and diligent in the work they do and work to make sure you understand the process in layman’s terms! Overall a wonderful experience working with Kyle and his team and I’m excited to continue to stay in touch for any further questions or needs!

Kyle found an amazing rate for our beautiful property. Kyle was extremely proficient – the time from first offer to closing was 3 weeks, amazing performance by him and his team!

It was such a pleasure working with Kyle. We closed in less than 30 days and being self-employed was a challenge but every step of the way Kyle was there professionally. He made the process seamless!

Kyle made certain all of the documents were where they should be, when they needed to be. It made things easier. The closing process took longer than expected, and there were the usual miscommunications here and there, but by and large, it went well. His efforts resulted in a home purchase, so I’d call that a win. I would recommend him, for sure.

Kyle was amazing to work with! I applied for a unique loan that had many hurdles to overcome. Kyle was patient and made time to discuss every step we needed to take to further the process. Going through my morning email, I was often surprised to see one (or two) that he sent late the previous evening. I appreciated the long hours and due diligence to make the loan work. Whenever we had a kickback from the underwriters he never panicked or gave up hope, which made it much easier for me to believe that we would close the loan, which we did!

Kyle was able to get me pre-qualified quickly and helped me learn about the home loan process. He responded to all my questions. I was concerned that the interest rate and closing costs were high, but he and his team were able to explain how about a third of it was prepaying costs and setting up an escrow account (they even recorded a custom video explanation). So it turns out that I only paid about 2% in fees for all parties involved including HOA. The interest rate was good for a condo. Closing date was a few days before the estimate and the whole process from first inquiry took about a month.

Assisted me to get everything I wanted. Kept me up to date with what was going on every step of the way. Very pleasant and patient due to me being very busy. He took the time to explain anything that I wasn’t sure about. Really seemed to care about getting the best rate for me.

Working with Kyle on my Refi was excellent. He worked with me through the whole loan process and kept me up to date with the progress of my loan. I would definitely recommend and work with Kyle again.

Excellent loan officer! Extremely knowledgeable in his field, communicates very well, and walks you through the process. Very professional, friendly, and comes very highly recommended. Thanks Kyle!

The best financial advocates are those who possess authentic integrity and a clear conscience because they know where they stand and what they stand for. This is essential within the culture of finance where, more often than not, “advisors” merely go with the flow and are easily pushed around. Authentic leaders, on the other hand, make conscious and informed financial choices and pursue purpose with passion. In the time that I have known Kyle McCray, he has consistently proven himself to be an authentic leader and a strong financial advocate who I trust to always fight for what is best for my family. My wife and I reached out to Kyle during the global pandemic to refinance our home not knowing what to expect in such uncertain times. Despite all that 2020 threw at all of us, Kyle remained confidently steadfast and walked my family and I carefully through each and every step of refinancing our home. Kyle was responsive to all of our needs and we had more than a few. Yet, anytime I had a question or a concern Kyle was there to provide clear, patient, and expert guidance. Working with Kyle amidst a global pandemic was like being in the eye of the storm: even while markets were thrown into chaos all around us, Kyle calmly and expertly navigated a way forward. Kyle landed us an incredibly advantageous mortgage that saved us a great deal of money and ensured my family’s financial security this year – despite the profound uncertainty of the times. Closing this loan was a genuine triumph and opened the door to a partnership that my family and I have come to deeply value and depend upon, and one that we will return to with any and all of our financial needs in the future.

Working with Kyle to secure a mortgage for our recent investment property purchase was a fantastic experience. We immediately picked up on his integrity and knowledge as he helped us find the best loan at the best rate in a very chaotic and competitive lending market. He was openly communicative with both us and our agent, and he was able to strike the right balance between persistence and patience when it came to gathering all of the documentation required during the approval process. We highly recommend him to anyone looking to purchase a property and look forward to working with him again when we’re ready for our next move.

I worked with Kyle on a recent home purchase in woodland, CA. Kyle put in long hours to help me through the process. He is a great guy and even helped me move into my new house including paying for a couple movers. We’ve since become friends and that is obviously a testament to the quality of a person Kyle is. Highly recommend!