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.