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.