{"id":1137,"date":"2021-02-05T10:27:24","date_gmt":"2021-02-05T10:27:24","guid":{"rendered":"https:\/\/www.kylenmccray.com\/?page_id=1137"},"modified":"2021-10-28T11:39:14","modified_gmt":"2021-10-28T11:39:14","slug":"colorado","status":"publish","type":"page","link":"https:\/\/www.kylenmccray.com\/colorado\/","title":{"rendered":"Colorado"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_start=&#8221;rgba(0,0,0,0.3)&#8221; background_color_gradient_end=&#8221;rgba(0,0,0,0.3)&#8221; background_color_gradient_overlays_image=&#8221;on&#8221; background_enable_image=&#8221;off&#8221; background_video_mp4=&#8221;https:\/\/www.kylenmccray.com\/wp-content\/uploads\/2021\/02\/COLORADO.mp4&#8243; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;100px||100px||true|false&#8221; custom_css_before=&#8221;content:%22%22;||display: block;||position: absolute;||top: 0;||left: 0;||width: 100%;||height: 100%;||background-color: rgba(0,0,0,0.3);||z-index: 2;&#8221;][et_pb_row _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221;][et_pb_text _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Roboto|700|||||||&#8221; header_text_align=&#8221;center&#8221; header_text_color=&#8221;#ffffff&#8221; header_font_size=&#8221;42px&#8221; custom_padding=&#8221;70px||40px||false|false&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;40px||40px||false|false&#8221; custom_padding_last_edited=&#8221;on|desktop&#8221; header_font_size_tablet=&#8221;&#8221; header_font_size_phone=&#8221;32px&#8221; header_font_size_last_edited=&#8221;on|desktop&#8221;]<\/p>\n<h1>A <span style=\"color:#79cfe6;\">Mortgage Education<\/span> Leader<\/h1>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||150px||false|false&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221;][et_pb_text _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221; text_orientation=&#8221;center&#8221;]<!-- <a href=\"https:\/\/simplenexus.com\/borrower\/signup\/kyle.mccray@elementmortgage.com\" class=\"header_buttons\" target=\"_blank\" rel=\"noopener\">Apply for a Loan<\/a>--> <a href=\"https:\/\/simplenexus.com\/borrower\/signup\/kyle.mccray@elementmortgage.com\" class=\"header_buttons\" target=\"_blank\" rel=\"noopener\">Get a Quote<\/a> <a href=\"https:\/\/go.oncehub.com\/KyleNicholasMcCray\" class=\"header_buttons\" style=\"margin:0;\">Contact Me<\/a>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|desktop&#8221; _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#0c2e8c&#8221; vertical_offset=&#8221;0px&#8221; vertical_offset_tablet=&#8221;&#8221; vertical_offset_phone=&#8221;-167px&#8221; vertical_offset_last_edited=&#8221;on|phone&#8221; custom_margin=&#8221;0px||0px||true|false&#8221; custom_padding=&#8221;0px||0px||true|false&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;0px||0px||true|false&#8221;][et_pb_row _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221;][et_pb_text _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221; header_2_text_align=&#8221;center&#8221; header_2_text_color=&#8221;#ffffff&#8221; header_2_font_size=&#8221;30px&#8221; custom_padding=&#8221;10px||10px||true|false&#8221;]<\/p>\n<h2>Let&#8217;s find your dream home together<\/h2>\n<hr class=\"hr_line\">[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221; vertical_offset_tablet=&#8221;&#8221; vertical_offset_phone=&#8221;-75px&#8221; vertical_offset_last_edited=&#8221;on|phone&#8221; min_height=&#8221;263px&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;30px||0px||false|false&#8221;][et_pb_row _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221;][et_pb_column _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; type=&#8221;4_4&#8243;][et_pb_code _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;]<\/p>\n<div id=\"homebot_homeowner\"><\/div>\n<p> <script> (function (h,b) { var w = window, d = document, s = 'script', x, y; w['__hb_namespace'] = h; w[h] = w[h] || function () { (w[h].q=w[h].q||[]).push(arguments) }; y = d.createElement(s); x = d.getElementsByTagName(s)[0]; y.async = 1; y.src = b; x.parentNode.insertBefore(y,x) })('Homebot','https:\/\/embed.homebotapp.com\/lgw\/v1\/widget.js'); Homebot('#homebot_homeowner', 'f0975bdba8e514ac9b51d81edd2031629a7ff37199b5bdab') <\/script>[\/et_pb_code][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_2,1_2&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221; width=&#8221;75%&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;|0px||0px|false|false&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;0px||0px||true|false&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||20px||false|false&#8221; border_width_all=&#8221;2px&#8221; border_color_all=&#8221;#12328b&#8221;][et_pb_text _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Roboto|700|||||||&#8221; text_text_color=&#8221;#ffffff&#8221; text_font_size=&#8221;31px&#8221; header_3_font=&#8221;Roboto|700|||||||&#8221; header_3_text_color=&#8221;#ffffff&#8221; header_3_font_size=&#8221;31px&#8221; background_image=&#8221;https:\/\/www.kylenmccray.com\/wp-content\/uploads\/2020\/09\/Layer-4.jpg&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;20px|20px|20px|20px|false|false&#8221; text_font_size_tablet=&#8221;&#8221; text_font_size_phone=&#8221;24px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221;]<\/p>\n<p style=\"text-align: center;\">Fast Loan Approval<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Roboto|300||on|||||&#8221; text_text_color=&#8221;#919191&#8243; text_font_size=&#8221;30px&#8221; text_orientation=&#8221;center&#8221; text_font_size_tablet=&#8221;&#8221; text_font_size_phone=&#8221;24px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221;]It\u2019s Quick &#038; Easy[\/et_pb_text][et_pb_button button_url=&#8221;https:\/\/simplenexus.com\/borrower\/signup\/kyle.mccray@elementmortgage.com&#8221; url_new_window=&#8221;on&#8221; button_text=&#8221;Apply Now&#8221; button_alignment=&#8221;center&#8221; button_alignment_tablet=&#8221;&#8221; button_alignment_phone=&#8221;center&#8221; button_alignment_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;22px&#8221; button_text_color=&#8221;#ffffff&#8221; button_bg_color=&#8221;#eab000&#8243; button_border_width=&#8221;0px&#8221; button_font=&#8221;|600|||||||&#8221; button_icon=&#8221;%%3%%&#8221; button_icon_color=&#8221;#ffffff&#8221; custom_margin=&#8221;20px||||false|false&#8221; custom_padding=&#8221;10px||10px||false|false&#8221; locked=&#8221;off&#8221;][\/et_pb_button][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||20px||false|false&#8221; border_width_all=&#8221;2px&#8221; border_color_all=&#8221;#12328b&#8221;][et_pb_text _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Roboto|700|||||||&#8221; text_text_color=&#8221;#ffffff&#8221; text_font_size=&#8221;31px&#8221; header_3_font=&#8221;Roboto|700|||||||&#8221; header_3_text_color=&#8221;#ffffff&#8221; header_3_font_size=&#8221;31px&#8221; background_image=&#8221;https:\/\/www.kylenmccray.com\/wp-content\/uploads\/2020\/09\/Layer-4.jpg&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;20px|20px|20px|20px|false|false&#8221; text_font_size_tablet=&#8221;&#8221; text_font_size_phone=&#8221;24px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221;]<\/p>\n<p style=\"text-align: center;\">Have Mortgage Questions?<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Roboto|300||on|||||&#8221; text_text_color=&#8221;#919191&#8243; text_font_size=&#8221;30px&#8221; text_orientation=&#8221;center&#8221; text_font_size_tablet=&#8221;&#8221; text_font_size_phone=&#8221;24px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221;]<\/p>\n<p>Get Answers Today<\/p>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;https:\/\/go.oncehub.com\/KyleNicholasMcCray&#8221; url_new_window=&#8221;on&#8221; button_text=&#8221;Click Here&#8221; button_alignment=&#8221;center&#8221; button_alignment_tablet=&#8221;&#8221; button_alignment_phone=&#8221;center&#8221; button_alignment_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;22px&#8221; button_text_color=&#8221;#ffffff&#8221; button_bg_color=&#8221;#eab000&#8243; button_border_width=&#8221;0px&#8221; button_font=&#8221;|600|||||||&#8221; button_icon=&#8221;%%3%%&#8221; button_icon_color=&#8221;#ffffff&#8221; custom_margin=&#8221;20px||||false|false&#8221; custom_padding=&#8221;10px||10px||false|false&#8221; locked=&#8221;off&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#12328b&#8221;][et_pb_row _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;30px||30px||false|false&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221;][et_pb_text ul_type=&#8221;square&#8221; ul_item_indent=&#8221;25px&#8221; _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Roboto|300|||||||&#8221; text_text_color=&#8221;#ffffff&#8221; text_font_size=&#8221;18px&#8221; text_line_height=&#8221;30px&#8221; ul_font=&#8221;Roboto|300|||||||&#8221; ul_line_height=&#8221;1.1em&#8221; header_2_font=&#8221;Roboto|700|||||||&#8221; header_2_text_align=&#8221;left&#8221; header_2_text_color=&#8221;#ffffff&#8221; header_2_font_size=&#8221;32px&#8221; header_4_font=&#8221;Roboto|700|||||||&#8221; header_4_text_color=&#8221;#ffffff&#8221;]<\/p>\n<h2>My Promise To You <\/h2>\n<p>Is to be an advisor in one of the biggest decisions of your life as well as to treat you like family throughout the process.<\/p>\n<ul>\n<li>I promise to be your trusted advocate.<\/li>\n<li>I promise to communicate in the way you want to communicate.<\/li>\n<li>I promise to use the latest technology to make sure the loan process is seamless.<\/li>\n<li>I promise to educate you on the loan process and answer any questions you have.<\/li>\n<li>I promise to get you the greatest value in service and products.<\/li>\n<\/ul>\n<p><strong>-Kyle Nicholas McCray<\/strong><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;0px||0px||false|false&#8221; custom_padding=&#8221;0px||20px||false|false&#8221;][et_pb_row disabled_on=&#8221;on|on|on&#8221; _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; disabled=&#8221;on&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221;][et_pb_text _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221; header_2_font=&#8221;Roboto|700|||||||&#8221; header_2_text_align=&#8221;center&#8221; header_2_font_size=&#8221;32px&#8221; header_4_font=&#8221;Roboto|700|||||||&#8221; header_4_text_align=&#8221;center&#8221; header_4_text_color=&#8221;#000000&#8243; header_4_font_size=&#8221;32px&#8221; custom_margin=&#8221;20px||||false|false&#8221;]<\/p>\n<h2>Your Mortgage Experience <\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Roboto|300|||||||&#8221; text_text_color=&#8221;#000000&#8243; text_font_size=&#8221;18px&#8221; text_line_height=&#8221;30px&#8221; text_orientation=&#8221;center&#8221;]<\/p>\n<p>Together, we will use modern technology to streamline the loan process so that all stakeholders are involved and kept up to date on the milestones that need to be met. This will keep the process on track so there aren\u2019t surprises and letdowns along the way. No matter your loan program (Conventional financing, FHA financing, VA financing, etc.) we will find solutions to try to get you into the home you are looking for. If you are looking to refinance your home loan, I\u2019ve got you covered for that as well. <\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; make_equal=&#8221;on&#8221; disabled_on=&#8221;on|on|on&#8221; _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; disabled=&#8221;on&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221; background_enable_color=&#8221;off&#8221; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_start=&#8221;rgba(18,50,139,0.8)&#8221; background_color_gradient_end=&#8221;rgba(18,50,139,0.79)&#8221; background_color_gradient_direction=&#8221;90deg&#8221; background_color_gradient_overlays_image=&#8221;on&#8221; background_image=&#8221;https:\/\/www.kylenmccray.com\/wp-content\/uploads\/2020\/12\/purchase.jpg&#8221; custom_padding=&#8221;50px|20px|50px|20px|true|true&#8221;][et_pb_text _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;|300|||||||&#8221; text_text_color=&#8221;#ffffff&#8221; header_3_font=&#8221;|||on|||||&#8221; header_3_text_color=&#8221;#ffffff&#8221; text_orientation=&#8221;center&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||40px||false|false&#8221;]<\/p>\n<h3>Purchase<\/h3>\n<p style=\"padding-top:20px;\">If you are purchasing your first house, upgrading, or buying a vacation home, Kyle and his team are ready to guide you through the loan process. <\/p>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;https:\/\/www.kylenmccray.com\/purchase\/&#8221; button_text=&#8221;LEARN MORE&#8221; button_alignment=&#8221;center&#8221; button_alignment_tablet=&#8221;&#8221; button_alignment_phone=&#8221;center&#8221; button_alignment_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;16px&#8221; button_text_color=&#8221;#12328b&#8221; button_bg_color=&#8221;#ffffff&#8221; button_border_width=&#8221;0px&#8221; button_font=&#8221;|300||on|||||&#8221; button_icon=&#8221;%%3%%&#8221; button_icon_color=&#8221;#ffffff&#8221; custom_padding=&#8221;12px|35px|12px|35px|true|true&#8221; locked=&#8221;off&#8221; button_bg_color__hover_enabled=&#8221;on|hover&#8221; button_bg_color__hover=&#8221;#eab000&#8243; button_bg_enable_color__hover=&#8221;on&#8221; button_text_color__hover_enabled=&#8221;on|desktop&#8221; button_text_color__hover=&#8221;#ffffff&#8221; custom_padding__hover_enabled=&#8221;off|desktop&#8221; button_text_size__hover_enabled=&#8221;off|hover&#8221; button_border_width__hover_enabled=&#8221;off|desktop&#8221;][\/et_pb_button][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221; background_enable_color=&#8221;off&#8221; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_start=&#8221;rgba(65,131,172,0.79)&#8221; background_color_gradient_end=&#8221;rgba(65,131,172,0.79)&#8221; background_color_gradient_overlays_image=&#8221;on&#8221; background_image=&#8221;https:\/\/www.kylenmccray.com\/wp-content\/uploads\/2020\/12\/refinannce.jpg&#8221; custom_padding=&#8221;50px|20px|50px|20px|true|true&#8221;][et_pb_text _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;|300|||||||&#8221; text_text_color=&#8221;#ffffff&#8221; header_3_text_color=&#8221;#ffffff&#8221; text_orientation=&#8221;center&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||40px||false|false&#8221;]<\/p>\n<h3>REFINANCE<\/h3>\n<p Style=\"padding-top:20px;\">Interested in refinancing your home loan? You may be able to boost your monthly cash flow by refinancing into a lower monthly payment or rate.<\/p>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;https:\/\/www.kylenmccray.com\/refinance\/&#8221; button_text=&#8221;LEARN MORE&#8221; button_alignment=&#8221;center&#8221; button_alignment_tablet=&#8221;&#8221; button_alignment_phone=&#8221;center&#8221; button_alignment_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;16px&#8221; button_text_color=&#8221;#12328b&#8221; button_bg_color=&#8221;#ffffff&#8221; button_border_width=&#8221;0px&#8221; button_font=&#8221;|300||on|||||&#8221; button_icon=&#8221;%%3%%&#8221; button_icon_color=&#8221;#ffffff&#8221; custom_padding=&#8221;12px|35px|12px|35px|true|true&#8221; locked=&#8221;off&#8221; button_bg_color__hover_enabled=&#8221;on|hover&#8221; button_bg_color__hover=&#8221;#eab000&#8243; button_bg_enable_color__hover=&#8221;on&#8221; button_text_color__hover_enabled=&#8221;on|desktop&#8221; button_text_color__hover=&#8221;#ffffff&#8221; custom_padding__hover_enabled=&#8221;off|desktop&#8221; button_text_size__hover_enabled=&#8221;off|hover&#8221; button_border_width__hover_enabled=&#8221;off|desktop&#8221;][\/et_pb_button][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221; background_enable_color=&#8221;off&#8221; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_start=&#8221;rgba(113,114,116,0.8)&#8221; background_color_gradient_end=&#8221;rgba(113,114,116,0.79)&#8221; background_color_gradient_overlays_image=&#8221;on&#8221; background_image=&#8221;https:\/\/www.kylenmccray.com\/wp-content\/uploads\/2020\/12\/resources.jpg&#8221; custom_padding=&#8221;50px|20px|50px|20px|true|true&#8221;][et_pb_text _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;|300|||||||&#8221; text_text_color=&#8221;#ffffff&#8221; header_3_font=&#8221;|||on|||||&#8221; header_3_text_color=&#8221;#ffffff&#8221; text_orientation=&#8221;center&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||40px||false|false&#8221;]<\/p>\n<h3>Mortgage Tips<\/h3>\n<p Style=\"padding-top:20px;\">The loan process may seem overwhelming, but it doesn&#8217;t have to be with the right help. Kyle and his team are here to answer all of your questions.<\/p>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;https:\/\/www.kylenmccray.com\/resources\/&#8221; button_text=&#8221;LEARN MORE&#8221; button_alignment=&#8221;center&#8221; button_alignment_tablet=&#8221;&#8221; button_alignment_phone=&#8221;center&#8221; button_alignment_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;16px&#8221; button_text_color=&#8221;#12328b&#8221; button_bg_color=&#8221;#ffffff&#8221; button_border_width=&#8221;0px&#8221; button_font=&#8221;|300||on|||||&#8221; button_icon=&#8221;%%3%%&#8221; button_icon_color=&#8221;#ffffff&#8221; custom_padding=&#8221;12px|35px|12px|35px|true|true&#8221; locked=&#8221;off&#8221; button_bg_color__hover_enabled=&#8221;on|hover&#8221; button_bg_color__hover=&#8221;#eab000&#8243; button_bg_enable_color__hover=&#8221;on&#8221; button_text_color__hover_enabled=&#8221;on|desktop&#8221; button_text_color__hover=&#8221;#ffffff&#8221; custom_padding__hover_enabled=&#8221;off|desktop&#8221; button_text_size__hover_enabled=&#8221;off|hover&#8221; button_border_width__hover_enabled=&#8221;off|desktop&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_2,1_2&#8243; _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||40px||false|false&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221;][et_pb_text _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Roboto|300|||||||&#8221; text_text_color=&#8221;#000000&#8243; text_font_size=&#8221;18px&#8221; text_line_height=&#8221;30px&#8221; header_2_font=&#8221;Roboto|700|||||||&#8221; header_2_font_size=&#8221;32px&#8221; header_3_font=&#8221;Roboto|700|||||||&#8221; header_3_text_color=&#8221;#000000&#8243; header_3_font_size=&#8221;32px&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;||||false|false&#8221;]<\/p>\n<h2>My Approach<\/h2>\n<p>I aim to advise, educate and deliver an exceptional customer experience.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221;][et_pb_text _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Roboto|300|||||||&#8221; text_text_color=&#8221;#000000&#8243; text_font_size=&#8221;18px&#8221; text_line_height=&#8221;30px&#8221; header_2_font=&#8221;Roboto|700|||||||&#8221; header_2_font_size=&#8221;32px&#8221; header_3_font=&#8221;Roboto|700|||||||&#8221; header_3_text_color=&#8221;#000000&#8243; header_3_font_size=&#8221;32px&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;||||false|false&#8221;]<\/p>\n<h2>My Mission <\/h2>\n<p>Treat you with respect and deliver the support you need to be successful on your homebuying journey. [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; disabled_on=&#8221;off|off|off&#8221; admin_label=&#8221;Real Estate Resources&#8221; _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_start=&#8221;rgba(0,0,0,0.45)&#8221; background_color_gradient_end=&#8221;rgba(0,0,0,0.49)&#8221; background_color_gradient_overlays_image=&#8221;on&#8221; background_image=&#8221;https:\/\/www.kylenmccray.com\/wp-content\/uploads\/2021\/05\/resouces-bg.jpg&#8221; custom_margin=&#8221;||84px||false|false&#8221; custom_margin_tablet=&#8221;&#8221; custom_margin_phone=&#8221;||50px||false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;||||false|false&#8221; global_module=&#8221;1456&#8243;][et_pb_row column_structure=&#8221;2_5,3_5&#8243; _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221;][et_pb_column type=&#8221;2_5&#8243; _builder_version=&#8221;4.7.7&#8243; _module_preset=&#8221;default&#8221;][et_pb_image src=&#8221;https:\/\/www.kylenmccray.com\/wp-content\/uploads\/2021\/05\/guide.png&#8221; alt=&#8221;Guide to Selling Home&#8221; title_text=&#8221;guide&#8221; align=&#8221;center&#8221; _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||-140px||false|false&#8221; custom_margin_tablet=&#8221;&#8221; custom_margin_phone=&#8221;||-30px||false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221;][\/et_pb_image][\/et_pb_column][et_pb_column type=&#8221;3_5&#8243; _builder_version=&#8221;4.7.7&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||50px||false|false&#8221;][et_pb_text admin_label=&#8221;Text&#8221; _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; text_font_size=&#8221;18px&#8221; header_2_font=&#8221;|700|||||||&#8221; header_2_font_size=&#8221;42px&#8221; background_layout=&#8221;dark&#8221; header_2_font_size_tablet=&#8221;&#8221; header_2_font_size_phone=&#8221;28px&#8221; header_2_font_size_last_edited=&#8221;on|desktop&#8221;]<\/p>\n<h2>Guide To Selling<\/h2>\n<p>Learn the ins and outs of selling a property and how to optimize your listing.[\/et_pb_text][et_pb_text admin_label=&#8221;Form&#8221; module_class=&#8221;guide-form&#8221; _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; link_font=&#8221;|700|||on||||&#8221; link_text_color=&#8221;#E09900&#8243; link_font_size=&#8221;24px&#8221; link_text_color__hover_enabled=&#8221;on|hover&#8221; link_text_color__hover=&#8221;#FFFFFF&#8221;]<script type=\"text\/javascript\">var gform;gform||(document.addEventListener(\"gform_main_scripts_loaded\",function(){gform.scriptsLoaded=!0}),window.addEventListener(\"DOMContentLoaded\",function(){gform.domLoaded=!0}),gform={domLoaded:!1,scriptsLoaded:!1,initializeOnLoaded:function(o){gform.domLoaded&&gform.scriptsLoaded?o():!gform.domLoaded&&gform.scriptsLoaded?window.addEventListener(\"DOMContentLoaded\",o):document.addEventListener(\"gform_main_scripts_loaded\",o)},hooks:{action:{},filter:{}},addAction:function(o,n,r,t){gform.addHook(\"action\",o,n,r,t)},addFilter:function(o,n,r,t){gform.addHook(\"filter\",o,n,r,t)},doAction:function(o){gform.doHook(\"action\",o,arguments)},applyFilters:function(o){return gform.doHook(\"filter\",o,arguments)},removeAction:function(o,n){gform.removeHook(\"action\",o,n)},removeFilter:function(o,n,r){gform.removeHook(\"filter\",o,n,r)},addHook:function(o,n,r,t,i){null==gform.hooks[o][n]&&(gform.hooks[o][n]=[]);var e=gform.hooks[o][n];null==i&&(i=n+\"_\"+e.length),gform.hooks[o][n].push({tag:i,callable:r,priority:t=null==t?10:t})},doHook:function(n,o,r){var t;if(r=Array.prototype.slice.call(r,1),null!=gform.hooks[n][o]&&((o=gform.hooks[n][o]).sort(function(o,n){return o.priority-n.priority}),o.forEach(function(o){\"function\"!=typeof(t=o.callable)&&(t=window[t]),\"action\"==n?t.apply(null,r):r[0]=t.apply(null,r)})),\"filter\"==n)return r[0]},removeHook:function(o,n,t,i){var r;null!=gform.hooks[o][n]&&(r=(r=gform.hooks[o][n]).filter(function(o,n,r){return!!(null!=i&&i!=o.tag||null!=t&&t!=o.priority)}),gform.hooks[o][n]=r)}});<\/script>\n                <div class='gf_browser_unknown gform_wrapper gravity-theme gform-theme--no-framework' data-form-theme='gravity-theme' data-form-index='0' id='gform_wrapper_2' ><div id='gf_2' class='gform_anchor' tabindex='-1'><\/div><form method='post' enctype='multipart\/form-data' target='gform_ajax_frame_2' id='gform_2'  action='\/wp-json\/wp\/v2\/pages\/1137#gf_2' data-formid='2' novalidate>\n                        <div class='gform-body gform_body'><div id='gform_fields_2' class='gform_fields top_label form_sublabel_below description_below'><div id=\"field_2_1\" class=\"gfield gfield--type-text gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below hidden_label gfield_visibility_visible\"  data-js-reload=\"field_2_1\" ><label class='gfield_label gform-field-label' for='input_2_1'>First Name<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_text\">(Required)<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_1' id='input_2_1' type='text' value='' class='large'    placeholder='First Name *' aria-required=\"true\" aria-invalid=\"false\"   \/> <\/div><\/div><div id=\"field_2_2\" class=\"gfield gfield--type-text gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below hidden_label gfield_visibility_visible\"  data-js-reload=\"field_2_2\" ><label class='gfield_label gform-field-label' for='input_2_2'>Last Name<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_text\">(Required)<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_2' id='input_2_2' type='text' value='' class='large'    placeholder='Last Name*' aria-required=\"true\" aria-invalid=\"false\"   \/> <\/div><\/div><div id=\"field_2_3\" class=\"gfield gfield--type-phone gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below hidden_label gfield_visibility_visible\"  data-js-reload=\"field_2_3\" ><label class='gfield_label gform-field-label' for='input_2_3'>Phone<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_text\">(Required)<\/span><\/span><\/label><div class='ginput_container ginput_container_phone'><input name='input_3' id='input_2_3' type='tel' value='' class='large'  placeholder='Phone Number *' aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_2_4\" class=\"gfield gfield--type-email gfield--width-half field_sublabel_below gfield--no-description field_description_below hidden_label gfield_visibility_visible\"  data-js-reload=\"field_2_4\" ><label class='gfield_label gform-field-label' for='input_2_4'>Email<\/label><div class='ginput_container ginput_container_email'>\n                            <input name='input_4' id='input_2_4' type='email' value='' class='large'   placeholder='Email Address *'  aria-invalid=\"false\"  \/>\n                        <\/div><\/div><\/div><\/div>\n        <div class='gform_footer top_label'> <input type='submit' id='gform_submit_button_2' class='gform_button button' value='Download Now'  onclick='if(window[\"gf_submitting_2\"]){return false;}  if( !jQuery(\"#gform_2\")[0].checkValidity || jQuery(\"#gform_2\")[0].checkValidity()){window[\"gf_submitting_2\"]=true;}  ' onkeypress='if( event.keyCode == 13 ){ if(window[\"gf_submitting_2\"]){return false;} if( !jQuery(\"#gform_2\")[0].checkValidity || jQuery(\"#gform_2\")[0].checkValidity()){window[\"gf_submitting_2\"]=true;}  jQuery(\"#gform_2\").trigger(\"submit\",[true]); }' \/> <input type='hidden' name='gform_ajax' value='form_id=2&amp;title=&amp;description=&amp;tabindex=0&amp;theme=gravity-theme' \/>\n            <input type='hidden' class='gform_hidden' name='is_submit_2' value='1' \/>\n            <input type='hidden' class='gform_hidden' name='gform_submit' value='2' \/>\n            \n            <input type='hidden' class='gform_hidden' name='gform_unique_id' value='' \/>\n            <input type='hidden' class='gform_hidden' name='state_2' value='WyJbXSIsImU5NDE1YmNjYWQ1NDQ4OTkxN2MzMDEyYTQ4ZWZiMmMwIl0=' \/>\n            <input type='hidden' class='gform_hidden' name='gform_target_page_number_2' id='gform_target_page_number_2' value='0' \/>\n            <input type='hidden' class='gform_hidden' name='gform_source_page_number_2' id='gform_source_page_number_2' value='1' \/>\n            <input type='hidden' name='gform_field_values' value='' \/>\n            \n        <\/div>\n                        <\/form>\n                        <\/div>\n\t\t                <iframe style='display:none;width:0px;height:0px;' src='about:blank' name='gform_ajax_frame_2' id='gform_ajax_frame_2' title='This iframe contains the logic required to handle Ajax powered Gravity Forms.'><\/iframe>\n\t\t                <script type=\"text\/javascript\">\n\/* <![CDATA[ *\/\n gform.initializeOnLoaded( function() {gformInitSpinner( 2, 'https:\/\/www.kylenmccray.com\/wp-content\/plugins\/gravityforms\/images\/spinner.svg', true );jQuery('#gform_ajax_frame_2').on('load',function(){var contents = jQuery(this).contents().find('*').html();var is_postback = contents.indexOf('GF_AJAX_POSTBACK') >= 0;if(!is_postback){return;}var form_content = jQuery(this).contents().find('#gform_wrapper_2');var is_confirmation = jQuery(this).contents().find('#gform_confirmation_wrapper_2').length > 0;var is_redirect = contents.indexOf('gformRedirect(){') >= 0;var is_form = form_content.length > 0 && ! is_redirect && ! is_confirmation;var mt = parseInt(jQuery('html').css('margin-top'), 10) + parseInt(jQuery('body').css('margin-top'), 10) + 100;if(is_form){jQuery('#gform_wrapper_2').html(form_content.html());if(form_content.hasClass('gform_validation_error')){jQuery('#gform_wrapper_2').addClass('gform_validation_error');} else {jQuery('#gform_wrapper_2').removeClass('gform_validation_error');}setTimeout( function() { \/* delay the scroll by 50 milliseconds to fix a bug in chrome *\/ jQuery(document).scrollTop(jQuery('#gform_wrapper_2').offset().top - mt); }, 50 );if(window['gformInitDatepicker']) {gformInitDatepicker();}if(window['gformInitPriceFields']) {gformInitPriceFields();}var current_page = jQuery('#gform_source_page_number_2').val();gformInitSpinner( 2, 'https:\/\/www.kylenmccray.com\/wp-content\/plugins\/gravityforms\/images\/spinner.svg', true );jQuery(document).trigger('gform_page_loaded', [2, current_page]);window['gf_submitting_2'] = false;}else if(!is_redirect){var confirmation_content = jQuery(this).contents().find('.GF_AJAX_POSTBACK').html();if(!confirmation_content){confirmation_content = contents;}setTimeout(function(){jQuery('#gform_wrapper_2').replaceWith(confirmation_content);jQuery(document).scrollTop(jQuery('#gf_2').offset().top - mt);jQuery(document).trigger('gform_confirmation_loaded', [2]);window['gf_submitting_2'] = false;wp.a11y.speak(jQuery('#gform_confirmation_message_2').text());}, 50);}else{jQuery('#gform_2').append(contents);if(window['gformRedirect']) {gformRedirect();}}jQuery(document).trigger(\"gform_pre_post_render\", [{ formId: \"2\", currentPage: \"current_page\", abort: function() { this.preventDefault(); } }]);                if (event.defaultPrevented) {                return;         }        const gformWrapperDiv = document.getElementById( \"gform_wrapper_2\" );        if ( gformWrapperDiv ) {            const visibilitySpan = document.createElement( \"span\" );            visibilitySpan.id = \"gform_visibility_test_2\";            gformWrapperDiv.insertAdjacentElement( \"afterend\", visibilitySpan );        }        const visibilityTestDiv = document.getElementById( \"gform_visibility_test_2\" );        let postRenderFired = false;                function triggerPostRender() {            if ( postRenderFired ) {                return;            }            postRenderFired = true;            jQuery( document ).trigger( 'gform_post_render', [2, current_page] );            gform.utils.trigger( { event: 'gform\/postRender', native: false, data: { formId: 2, currentPage: current_page } } );            if ( visibilityTestDiv ) {                visibilityTestDiv.parentNode.removeChild( visibilityTestDiv );            }        }        function debounce( func, wait, immediate ) {            var timeout;            return function() {                var context = this, args = arguments;                var later = function() {                    timeout = null;                    if ( !immediate ) func.apply( context, args );                };                var callNow = immediate && !timeout;                clearTimeout( timeout );                timeout = setTimeout( later, wait );                if ( callNow ) func.apply( context, args );            };        }        const debouncedTriggerPostRender = debounce( function() {            triggerPostRender();        }, 200 );        if ( visibilityTestDiv && visibilityTestDiv.offsetParent === null ) {            const observer = new MutationObserver( ( mutations ) => {                mutations.forEach( ( mutation ) => {                    if ( mutation.type === 'attributes' && visibilityTestDiv.offsetParent !== null ) {                        debouncedTriggerPostRender();                        observer.disconnect();                    }                });            });            observer.observe( document.body, {                attributes: true,                childList: false,                subtree: true,                attributeFilter: [ 'style', 'class' ],            });        } else {            triggerPostRender();        }    } );} ); \n\/* ]]> *\/\n<\/script>\n[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221; min_height=&#8221;263px&#8221; custom_margin=&#8221;0px|0px|0px|0px|false|false&#8221; custom_padding=&#8221;0px|0px|50px|0px|false|false&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; use_custom_gutter=&#8221;on&#8221; gutter_width=&#8221;1&#8243; make_equal=&#8221;on&#8221; disabled_on=&#8221;on|on|on&#8221; admin_label=&#8221;Desktop&#8221; _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;0px||||false|false&#8221; custom_padding=&#8221;0px||||false|false&#8221; disabled=&#8221;on&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#12328b&#8221; custom_padding=&#8221;30px|30px|30px|30px|false|false&#8221;][et_pb_text _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Roboto|300|||||||&#8221; text_text_color=&#8221;#ffffff&#8221; text_font_size=&#8221;18px&#8221; text_line_height=&#8221;30px&#8221; header_2_font=&#8221;Roboto|700||on|||||&#8221; header_2_text_color=&#8221;#ffffff&#8221; header_2_font_size=&#8221;32px&#8221; header_3_font=&#8221;Roboto|700|||||||&#8221; header_3_text_align=&#8221;left&#8221; header_3_text_color=&#8221;#ffffff&#8221; header_3_font_size=&#8221;32px&#8221; background_enable_color=&#8221;off&#8221; custom_padding=&#8221;||30px||false|false&#8221;]<\/p>\n<h2 style=\"margin-bottom: 25px;\">Who I Am <\/h2>\n<p>I\u2019m a Husband, Father, Son and Brother. <\/p>\n<p>My family means everything to me.<\/p>\n<p>Second, I\u2019m a Loan Consultant serving, California, Colorado and Nevada.<\/p>\n<p>It\u2019s my mission to educate, advise and deliver a top-notch customer experience. My clients appreciate consistent communication throughout the process and a seamless home-buying experience leveraging technology. [\/et_pb_text][et_pb_button button_url=&#8221;https:\/\/www.kylenmccray.com\/about\/&#8221; button_text=&#8221;Learn More&#8221; button_alignment=&#8221;left&#8221; button_alignment_tablet=&#8221;&#8221; button_alignment_phone=&#8221;center&#8221; button_alignment_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;16px&#8221; button_text_color=&#8221;#ffffff&#8221; button_bg_color=&#8221;#eab000&#8243; button_border_width=&#8221;0px&#8221; button_font=&#8221;|300||on|||||&#8221; button_icon=&#8221;%%3%%&#8221; button_icon_color=&#8221;#ffffff&#8221; custom_padding=&#8221;12px|35px|12px|35px|true|true&#8221; locked=&#8221;off&#8221; button_bg_color__hover_enabled=&#8221;on|desktop&#8221; button_bg_color__hover=&#8221;#ffffff&#8221; button_bg_enable_color__hover=&#8221;on&#8221; button_text_color__hover_enabled=&#8221;on|desktop&#8221; button_text_color__hover=&#8221;#12328b&#8221; custom_padding__hover_enabled=&#8221;off|desktop&#8221; button_text_size__hover_enabled=&#8221;off|hover&#8221; button_border_width__hover_enabled=&#8221;off|desktop&#8221;][\/et_pb_button][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; module_class=&#8221;disconnect&#8221; _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#77d0e5&#8243; custom_padding=&#8221;30px|30px|30px|30px|false|false&#8221; custom_css_main_element_last_edited=&#8221;off|phone&#8221;][et_pb_text _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Roboto|300|||||||&#8221; text_text_color=&#8221;#12328b&#8221; text_font_size=&#8221;18px&#8221; text_line_height=&#8221;30px&#8221; header_2_font=&#8221;Roboto|700||on|||||&#8221; header_2_text_color=&#8221;#12328b&#8221; header_2_font_size=&#8221;32px&#8221; header_3_font=&#8221;Roboto|700|||||||&#8221; header_3_text_align=&#8221;left&#8221; header_3_text_color=&#8221;#12328b&#8221; header_3_font_size=&#8221;32px&#8221; background_enable_color=&#8221;off&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;||180px||false|false&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;||30px||false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221;]<\/p>\n<h2 style=\"margin-bottom: 25px;\">Why Partner With Me <\/h2>\n<p>I am on your side. I\u2019ll take the time to listen to you and fully explain why we are taking certain steps and making certain decisions. These decisions will always be intended to keep the loan process moving to try to ensure you get the house you want. You aren\u2019t just another sale to me \u2013 you are family. <\/p>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;https:\/\/www.kylenmccray.com\/contact\/&#8221; button_text=&#8221;Contact Me&#8221; button_alignment=&#8221;left&#8221; button_alignment_tablet=&#8221;&#8221; button_alignment_phone=&#8221;center&#8221; button_alignment_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;16px&#8221; button_text_color=&#8221;#ffffff&#8221; button_bg_color=&#8221;#eab000&#8243; button_border_width=&#8221;0px&#8221; button_font=&#8221;|300||on|||||&#8221; button_icon=&#8221;%%3%%&#8221; button_icon_color=&#8221;#ffffff&#8221; custom_padding=&#8221;12px|35px|12px|35px|true|true&#8221; locked=&#8221;off&#8221; button_bg_color__hover_enabled=&#8221;on|hover&#8221; button_bg_color__hover=&#8221;#ffffff&#8221; button_bg_enable_color__hover=&#8221;on&#8221; button_text_color__hover_enabled=&#8221;on|desktop&#8221; button_text_color__hover=&#8221;#12328b&#8221; custom_padding__hover_enabled=&#8221;off|desktop&#8221; button_text_size__hover_enabled=&#8221;off|hover&#8221; button_border_width__hover_enabled=&#8221;off|desktop&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_2,1_2&#8243; disabled_on=&#8221;on|on|on&#8221; admin_label=&#8221;Mobile&#8221; _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;0px||||false|false&#8221; custom_padding=&#8221;0px||||false|false&#8221; disabled=&#8221;on&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#12328b&#8221; custom_padding=&#8221;30px|30px|30px|30px|false|false&#8221;][et_pb_text _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Roboto|300|||||||&#8221; text_text_color=&#8221;#ffffff&#8221; text_font_size=&#8221;18px&#8221; text_line_height=&#8221;30px&#8221; header_2_font=&#8221;Roboto|700||on|||||&#8221; header_2_text_color=&#8221;#ffffff&#8221; header_2_font_size=&#8221;32px&#8221; header_3_font=&#8221;Roboto|700|||||||&#8221; header_3_text_align=&#8221;left&#8221; header_3_text_color=&#8221;#ffffff&#8221; header_3_font_size=&#8221;32px&#8221; background_enable_color=&#8221;off&#8221; custom_padding=&#8221;||30px||false|false&#8221;]<\/p>\n<h2 style=\"margin-bottom: 25px;\">Who I Am <\/h2>\n<p>I\u2019m a Husband, Father, Son and Brother. <\/p>\n<p>My family means everything to me.<\/p>\n<p>Second, I\u2019m a Loan Consultant serving both California and Nevada. <\/p>\n<p>It\u2019s my mission to educate, advise and deliver a top-notch customer experience. My clients appreciate consistent communication throughout the process and a seamless home-buying experience leveraging technology. [\/et_pb_text][et_pb_button button_url=&#8221;https:\/\/www.kylenmccray.com\/about\/&#8221; button_text=&#8221;Learn More&#8221; button_alignment=&#8221;left&#8221; button_alignment_tablet=&#8221;&#8221; button_alignment_phone=&#8221;center&#8221; button_alignment_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;16px&#8221; button_text_color=&#8221;#ffffff&#8221; button_bg_color=&#8221;#eab000&#8243; button_border_width=&#8221;0px&#8221; button_font=&#8221;|300||on|||||&#8221; button_icon=&#8221;%%3%%&#8221; button_icon_color=&#8221;#ffffff&#8221; custom_padding=&#8221;12px|35px|12px|35px|true|true&#8221; locked=&#8221;off&#8221; button_bg_color__hover_enabled=&#8221;on|desktop&#8221; button_bg_color__hover=&#8221;#ffffff&#8221; button_bg_enable_color__hover=&#8221;on&#8221; button_text_color__hover_enabled=&#8221;on|desktop&#8221; button_text_color__hover=&#8221;#12328b&#8221; custom_padding__hover_enabled=&#8221;off|desktop&#8221; button_text_size__hover_enabled=&#8221;off|hover&#8221; button_border_width__hover_enabled=&#8221;off|desktop&#8221;][\/et_pb_button][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; module_class=&#8221;disconnect&#8221; _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#77d0e5&#8243; custom_padding=&#8221;30px|30px|30px|30px|false|false&#8221; custom_css_main_element_last_edited=&#8221;off|phone&#8221;][et_pb_text _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Roboto|300|||||||&#8221; text_text_color=&#8221;#12328b&#8221; text_font_size=&#8221;18px&#8221; text_line_height=&#8221;30px&#8221; header_2_font=&#8221;Roboto|700||on|||||&#8221; header_2_text_color=&#8221;#12328b&#8221; header_2_font_size=&#8221;32px&#8221; header_3_font=&#8221;Roboto|700|||||||&#8221; header_3_text_align=&#8221;left&#8221; header_3_text_color=&#8221;#12328b&#8221; header_3_font_size=&#8221;32px&#8221; background_enable_color=&#8221;off&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;||180px||false|false&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;||30px||false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221;]<\/p>\n<h2 style=\"margin-bottom: 25px;\">Why Partner With Me <\/h2>\n<p>I am on your side. I\u2019ll take the time to listen to you and fully explain why we are taking certain steps and making certain decisions. These decisions will always be intended to keep the loan process moving to try to ensure you get the house you want. You aren\u2019t just another sale to me \u2013 you are family. <\/p>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;https:\/\/www.kylenmccray.com\/contact\/&#8221; button_text=&#8221;Contact Me&#8221; button_alignment=&#8221;left&#8221; button_alignment_tablet=&#8221;&#8221; button_alignment_phone=&#8221;center&#8221; button_alignment_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;16px&#8221; button_text_color=&#8221;#ffffff&#8221; button_bg_color=&#8221;#eab000&#8243; button_border_width=&#8221;0px&#8221; button_font=&#8221;|300||on|||||&#8221; button_icon=&#8221;%%3%%&#8221; button_icon_color=&#8221;#ffffff&#8221; custom_padding=&#8221;12px|35px|12px|35px|true|true&#8221; locked=&#8221;off&#8221; button_bg_color__hover_enabled=&#8221;on|hover&#8221; button_bg_color__hover=&#8221;#ffffff&#8221; button_bg_enable_color__hover=&#8221;on&#8221; button_text_color__hover_enabled=&#8221;on|desktop&#8221; button_text_color__hover=&#8221;#12328b&#8221; custom_padding__hover_enabled=&#8221;off|desktop&#8221; button_text_size__hover_enabled=&#8221;off|hover&#8221; button_border_width__hover_enabled=&#8221;off|desktop&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221;][et_pb_text _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221; header_2_font=&#8221;Roboto|700|||||||&#8221; header_2_font_size=&#8221;32px&#8221; header_4_font=&#8221;Roboto|700|||||||&#8221; header_4_text_align=&#8221;center&#8221; header_4_text_color=&#8221;#000000&#8243; header_4_font_size=&#8221;32px&#8221;]<\/p>\n<h2>Latest Blog Posts<\/h2>\n<p>[\/et_pb_text][et_pb_blog fullwidth=&#8221;off&#8221; posts_number=&#8221;3&#8243; include_categories=&#8221;all&#8221; show_more=&#8221;on&#8221; show_author=&#8221;off&#8221; show_date=&#8221;off&#8221; show_categories=&#8221;off&#8221; show_pagination=&#8221;off&#8221; _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Roboto|500|||||||&#8221; header_font_size=&#8221;24px&#8221; read_more_font=&#8221;Roboto|||||on|||&#8221;][\/et_pb_blog][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; disabled_on=&#8221;off|off|off&#8221; admin_label=&#8221;Guide to Refinance Your Home&#8221; _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_start=&#8221;rgba(0,0,0,0.66)&#8221; background_color_gradient_end=&#8221;rgba(0,0,0,0.49)&#8221; background_color_gradient_overlays_image=&#8221;on&#8221; background_image=&#8221;https:\/\/www.kylenmccray.com\/wp-content\/uploads\/2021\/04\/image4.jpg&#8221; custom_margin=&#8221;||-70px||false|false&#8221; custom_margin_tablet=&#8221;&#8221; custom_margin_phone=&#8221;||50px||false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;||||false|false&#8221; global_module=&#8221;1538&#8243;][et_pb_row column_structure=&#8221;2_5,3_5&#8243; _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;0px||0px||true|false&#8221; custom_padding=&#8221;0px||0px||true|false&#8221;][et_pb_column type=&#8221;2_5&#8243; _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||||false|false&#8221;][et_pb_image src=&#8221;https:\/\/www.kylenmccray.com\/wp-content\/uploads\/2021\/06\/Guide-to-refinancing-your-home-.png&#8221; alt=&#8221;Guide to refinancing your home&#8221; title_text=&#8221;Guide to refinancing your home&#8221; align=&#8221;center&#8221; _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||-140px||false|false&#8221; custom_margin_tablet=&#8221;&#8221; custom_margin_phone=&#8221;||-30px||false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;||||false|false&#8221;][\/et_pb_image][\/et_pb_column][et_pb_column type=&#8221;3_5&#8243; _builder_version=&#8221;4.7.7&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||50px||false|false&#8221;][et_pb_text admin_label=&#8221;Text&#8221; _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; header_2_font=&#8221;|700|||||||&#8221; header_2_font_size=&#8221;40px&#8221; background_layout=&#8221;dark&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||10px||false|false&#8221; header_2_font_size_tablet=&#8221;&#8221; header_2_font_size_phone=&#8221;28px&#8221; header_2_font_size_last_edited=&#8221;on|desktop&#8221;]<\/p>\n<h2>Guide to Refinance Your Home<\/h2>\n<p>The main reasons to refinance are to receive a lower monthly payment, modify your loan\u2019s characteristics and perhaps get a cheaper interest rate. In addition, if you pick a fresh new loan, you may also be able to choose the length of the loan. However, this isn\u2019t the only benefit of refinancing a mortgage. You can also refinance into a different loan type or term, which may allow you to pay off your mortgage faster. You might also refinance to pull cash out of your home\u2019s equity.<\/p>\n<p>In this guide, we will go over if refinancing is a good option for you, how to choose the ideal refinance program and break down the refinance process.<\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Form&#8221; module_class=&#8221;guide-form&#8221; _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; link_font=&#8221;|700|||on||||&#8221; link_text_color=&#8221;#E09900&#8243; link_font_size=&#8221;24px&#8221; link_text_color__hover_enabled=&#8221;on|hover&#8221; link_text_color__hover=&#8221;#FFFFFF&#8221;]<\/p>\n\n                <div class='gf_browser_unknown gform_wrapper gravity-theme gform-theme--no-framework' data-form-theme='gravity-theme' data-form-index='0' id='gform_wrapper_3' ><div id='gf_3' class='gform_anchor' tabindex='-1'><\/div><form method='post' enctype='multipart\/form-data' target='gform_ajax_frame_3' id='gform_3'  action='\/wp-json\/wp\/v2\/pages\/1137#gf_3' data-formid='3' novalidate>\n                        <div class='gform-body gform_body'><div id='gform_fields_3' class='gform_fields top_label form_sublabel_below description_below'><div id=\"field_3_1\" class=\"gfield gfield--type-text gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below hidden_label gfield_visibility_visible\"  data-js-reload=\"field_3_1\" ><label class='gfield_label gform-field-label' for='input_3_1'>First Name<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_text\">(Required)<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_1' id='input_3_1' type='text' value='' class='large'    placeholder='First Name *' aria-required=\"true\" aria-invalid=\"false\"   \/> <\/div><\/div><div id=\"field_3_2\" class=\"gfield gfield--type-text gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below hidden_label gfield_visibility_visible\"  data-js-reload=\"field_3_2\" ><label class='gfield_label gform-field-label' for='input_3_2'>Last Name<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_text\">(Required)<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_2' id='input_3_2' type='text' value='' class='large'    placeholder='Last Name*' aria-required=\"true\" aria-invalid=\"false\"   \/> <\/div><\/div><div id=\"field_3_3\" class=\"gfield gfield--type-phone gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below hidden_label gfield_visibility_visible\"  data-js-reload=\"field_3_3\" ><label class='gfield_label gform-field-label' for='input_3_3'>Phone<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_text\">(Required)<\/span><\/span><\/label><div class='ginput_container ginput_container_phone'><input name='input_3' id='input_3_3' type='tel' value='' class='large'  placeholder='Phone Number *' aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_3_4\" class=\"gfield gfield--type-email gfield--width-half field_sublabel_below gfield--no-description field_description_below hidden_label gfield_visibility_visible\"  data-js-reload=\"field_3_4\" ><label class='gfield_label gform-field-label' for='input_3_4'>Email<\/label><div class='ginput_container ginput_container_email'>\n                            <input name='input_4' id='input_3_4' type='email' value='' class='large'   placeholder='Email Address *'  aria-invalid=\"false\"  \/>\n                        <\/div><\/div><\/div><\/div>\n        <div class='gform_footer top_label'> <input type='submit' id='gform_submit_button_3' class='gform_button button' value='Download Now'  onclick='if(window[\"gf_submitting_3\"]){return false;}  if( !jQuery(\"#gform_3\")[0].checkValidity || jQuery(\"#gform_3\")[0].checkValidity()){window[\"gf_submitting_3\"]=true;}  ' onkeypress='if( event.keyCode == 13 ){ if(window[\"gf_submitting_3\"]){return false;} if( !jQuery(\"#gform_3\")[0].checkValidity || jQuery(\"#gform_3\")[0].checkValidity()){window[\"gf_submitting_3\"]=true;}  jQuery(\"#gform_3\").trigger(\"submit\",[true]); }' \/> <input type='hidden' name='gform_ajax' value='form_id=3&amp;title=&amp;description=&amp;tabindex=0&amp;theme=gravity-theme' \/>\n            <input type='hidden' class='gform_hidden' name='is_submit_3' value='1' \/>\n            <input type='hidden' class='gform_hidden' name='gform_submit' value='3' \/>\n            \n            <input type='hidden' class='gform_hidden' name='gform_unique_id' value='' \/>\n            <input type='hidden' class='gform_hidden' name='state_3' value='WyJbXSIsImU5NDE1YmNjYWQ1NDQ4OTkxN2MzMDEyYTQ4ZWZiMmMwIl0=' \/>\n            <input type='hidden' class='gform_hidden' name='gform_target_page_number_3' id='gform_target_page_number_3' value='0' \/>\n            <input type='hidden' class='gform_hidden' name='gform_source_page_number_3' id='gform_source_page_number_3' value='1' \/>\n            <input type='hidden' name='gform_field_values' value='' \/>\n            \n        <\/div>\n                        <\/form>\n                        <\/div>\n\t\t                <iframe style='display:none;width:0px;height:0px;' src='about:blank' name='gform_ajax_frame_3' id='gform_ajax_frame_3' title='This iframe contains the logic required to handle Ajax powered Gravity Forms.'><\/iframe>\n\t\t                <script type=\"text\/javascript\">\n\/* <![CDATA[ *\/\n gform.initializeOnLoaded( function() {gformInitSpinner( 3, 'https:\/\/www.kylenmccray.com\/wp-content\/plugins\/gravityforms\/images\/spinner.svg', true );jQuery('#gform_ajax_frame_3').on('load',function(){var contents = jQuery(this).contents().find('*').html();var is_postback = contents.indexOf('GF_AJAX_POSTBACK') >= 0;if(!is_postback){return;}var form_content = jQuery(this).contents().find('#gform_wrapper_3');var is_confirmation = jQuery(this).contents().find('#gform_confirmation_wrapper_3').length > 0;var is_redirect = contents.indexOf('gformRedirect(){') >= 0;var is_form = form_content.length > 0 && ! is_redirect && ! is_confirmation;var mt = parseInt(jQuery('html').css('margin-top'), 10) + parseInt(jQuery('body').css('margin-top'), 10) + 100;if(is_form){jQuery('#gform_wrapper_3').html(form_content.html());if(form_content.hasClass('gform_validation_error')){jQuery('#gform_wrapper_3').addClass('gform_validation_error');} else {jQuery('#gform_wrapper_3').removeClass('gform_validation_error');}setTimeout( function() { \/* delay the scroll by 50 milliseconds to fix a bug in chrome *\/ jQuery(document).scrollTop(jQuery('#gform_wrapper_3').offset().top - mt); }, 50 );if(window['gformInitDatepicker']) {gformInitDatepicker();}if(window['gformInitPriceFields']) {gformInitPriceFields();}var current_page = jQuery('#gform_source_page_number_3').val();gformInitSpinner( 3, 'https:\/\/www.kylenmccray.com\/wp-content\/plugins\/gravityforms\/images\/spinner.svg', true );jQuery(document).trigger('gform_page_loaded', [3, current_page]);window['gf_submitting_3'] = false;}else if(!is_redirect){var confirmation_content = jQuery(this).contents().find('.GF_AJAX_POSTBACK').html();if(!confirmation_content){confirmation_content = contents;}setTimeout(function(){jQuery('#gform_wrapper_3').replaceWith(confirmation_content);jQuery(document).scrollTop(jQuery('#gf_3').offset().top - mt);jQuery(document).trigger('gform_confirmation_loaded', [3]);window['gf_submitting_3'] = false;wp.a11y.speak(jQuery('#gform_confirmation_message_3').text());}, 50);}else{jQuery('#gform_3').append(contents);if(window['gformRedirect']) {gformRedirect();}}jQuery(document).trigger(\"gform_pre_post_render\", [{ formId: \"3\", currentPage: \"current_page\", abort: function() { this.preventDefault(); } }]);                if (event.defaultPrevented) {                return;         }        const gformWrapperDiv = document.getElementById( \"gform_wrapper_3\" );        if ( gformWrapperDiv ) {            const visibilitySpan = document.createElement( \"span\" );            visibilitySpan.id = \"gform_visibility_test_3\";            gformWrapperDiv.insertAdjacentElement( \"afterend\", visibilitySpan );        }        const visibilityTestDiv = document.getElementById( \"gform_visibility_test_3\" );        let postRenderFired = false;                function triggerPostRender() {            if ( postRenderFired ) {                return;            }            postRenderFired = true;            jQuery( document ).trigger( 'gform_post_render', [3, current_page] );            gform.utils.trigger( { event: 'gform\/postRender', native: false, data: { formId: 3, currentPage: current_page } } );            if ( visibilityTestDiv ) {                visibilityTestDiv.parentNode.removeChild( visibilityTestDiv );            }        }        function debounce( func, wait, immediate ) {            var timeout;            return function() {                var context = this, args = arguments;                var later = function() {                    timeout = null;                    if ( !immediate ) func.apply( context, args );                };                var callNow = immediate && !timeout;                clearTimeout( timeout );                timeout = setTimeout( later, wait );                if ( callNow ) func.apply( context, args );            };        }        const debouncedTriggerPostRender = debounce( function() {            triggerPostRender();        }, 200 );        if ( visibilityTestDiv && visibilityTestDiv.offsetParent === null ) {            const observer = new MutationObserver( ( mutations ) => {                mutations.forEach( ( mutation ) => {                    if ( mutation.type === 'attributes' && visibilityTestDiv.offsetParent !== null ) {                        debouncedTriggerPostRender();                        observer.disconnect();                    }                });            });            observer.observe( document.body, {                attributes: true,                childList: false,                subtree: true,                attributeFilter: [ 'style', 'class' ],            });        } else {            triggerPostRender();        }    } );} ); \n\/* ]]> *\/\n<\/script>\n\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;|0px||0px|false|false&#8221; custom_padding=&#8221;|0px||0px|false|false&#8221;][et_pb_row _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;0px||20px||false|false&#8221; custom_padding=&#8221;0px||0px||false|false&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221;][et_pb_text _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Roboto|700|||||||&#8221; text_text_color=&#8221;#000000&#8243; text_font_size=&#8221;32px&#8221; text_line_height=&#8221;1.5em&#8221; text_orientation=&#8221;center&#8221;]<\/p>\n<p>What My Clients Are Saying<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;0px||||false|false&#8221; custom_padding=&#8221;0px||50px||false|false&#8221;][et_pb_row _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;0px||||false|false&#8221; custom_padding=&#8221;0px||||false|false&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221;][et_pb_text _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221;]<div class=\"strong-view strong-widget strong-view-id-1 small-widget wpmtst-small-widget slider-container slider-mode-fade slider-adaptive pager-type-full pager-style-buttons nav-position-inside\" data-count=29 data-slider-var=strong_slider_id_1 data-state=idle><div class=\"strong-content wpmslider-content\"><div class=\"wpmtst-testimonial testimonial t-slide post-1627\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content testimonial-content\"><div class=\"maybe-clear\"><\/div><p><img decoding=\"async\" class=\"alignnone wp-image-2221 aligncenter\" style=\"padding-top: 25px;\" src=\"https:\/\/www.kylenmccray.com\/wp-content\/uploads\/2021\/01\/stars.png\" alt=\"reviews\" \/><\/p><div class=\"review_Content\"><p style=\"text-align: center; padding: 20px;\">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.<\/p><\/div><p style=\"padding: 20px; text-align: center;\"><strong><span style=\"padding-top: 30px; color: #000000;\">Brad Bispo<\/span><\/strong><\/p><\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-1624\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content testimonial-content\"><div class=\"maybe-clear\"><\/div><p><img decoding=\"async\" class=\"alignnone wp-image-2221 aligncenter\" style=\"padding-top: 25px;\" src=\"https:\/\/www.kylenmccray.com\/wp-content\/uploads\/2021\/01\/stars.png\" alt=\"reviews\" \/><\/p><div class=\"review_Content\"><p style=\"text-align: center; padding: 20px;\">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&#8221;s aspects . They walked me through one step at the time so I don&#8217;t feel overwhelmed.<br \/>\nI truly believed that Kyle and I will close on time which we did, because I felt how confident he was and it was contagious.<br \/>\nThanks Kyle and all Element Mortgage-team<br \/>\nI HIGHLY recommend-them.\n<\/p><\/div><p style=\"padding: 20px; text-align: center;\"><strong><span style=\"padding-top: 30px; color: #000000;\">saliha827<\/span><\/strong><\/p><\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-1623\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content testimonial-content\"><div class=\"maybe-clear\"><\/div><p><img decoding=\"async\" class=\"alignnone wp-image-2221 aligncenter\" style=\"padding-top: 25px;\" src=\"https:\/\/www.kylenmccray.com\/wp-content\/uploads\/2021\/01\/stars.png\" alt=\"reviews\" \/><\/p><div class=\"review_Content\"><p style=\"text-align: center; padding: 20px;\">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.\n<\/p><\/div><p style=\"padding: 20px; text-align: center;\"><strong><span style=\"padding-top: 30px; color: #000000;\">mes06mbs<\/span><\/strong><\/p><\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-1622\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content testimonial-content\"><div class=\"maybe-clear\"><\/div><p><img decoding=\"async\" class=\"alignnone wp-image-2221 aligncenter\" style=\"padding-top: 25px;\" src=\"https:\/\/www.kylenmccray.com\/wp-content\/uploads\/2021\/01\/stars.png\" alt=\"reviews\" \/><\/p><div class=\"review_Content\"><p style=\"text-align: center; padding: 20px;\">I truly can&#8217;t say enough good about Kyle McCray (Element Mortgage). I feel he goes above and beyond the call of duty and here&#8217;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.<\/p><\/div><p style=\"padding: 20px; text-align: center;\"><strong><span style=\"padding-top: 30px; color: #000000;\">Jamie<\/span><\/strong><\/p><\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-1621\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content testimonial-content\"><div class=\"maybe-clear\"><\/div><p><img decoding=\"async\" class=\"alignnone wp-image-2221 aligncenter\" style=\"padding-top: 25px;\" src=\"https:\/\/www.kylenmccray.com\/wp-content\/uploads\/2021\/01\/stars.png\" alt=\"reviews\" \/><\/p><div class=\"review_Content\"><p style=\"text-align: center; padding: 20px;\">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.<\/p><\/div><p style=\"padding: 20px; text-align: center;\"><strong><span style=\"padding-top: 30px; color: #000000;\">Sean<\/span><\/strong><\/p><\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-1620\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content testimonial-content\"><div class=\"maybe-clear\"><\/div><p><img decoding=\"async\" class=\"alignnone wp-image-2221 aligncenter\" style=\"padding-top: 25px;\" src=\"https:\/\/www.kylenmccray.com\/wp-content\/uploads\/2021\/01\/stars.png\" alt=\"reviews\" \/><\/p><div class=\"review_Content\"><p style=\"text-align: center; padding: 20px;\">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.<\/p><\/div><p style=\"padding: 20px; text-align: center;\"><strong><span style=\"padding-top: 30px; color: #000000;\">Krissy<\/span><\/strong><\/p><\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-1619\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content testimonial-content\"><div class=\"maybe-clear\"><\/div><p><img decoding=\"async\" class=\"alignnone wp-image-2221 aligncenter\" style=\"padding-top: 25px;\" src=\"https:\/\/www.kylenmccray.com\/wp-content\/uploads\/2021\/01\/stars.png\" alt=\"reviews\" \/><\/p><div class=\"review_Content\"><p style=\"text-align: center; padding: 20px;\">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 &#038; his Team and highly recommend them!<\/p><\/div><p style=\"padding: 20px; text-align: center;\"><strong><span style=\"padding-top: 30px; color: #000000;\">Jill &#038; Noah M.<\/span><\/strong><\/p><\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-1618\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content testimonial-content\"><div class=\"maybe-clear\"><\/div><p><img decoding=\"async\" class=\"alignnone wp-image-2221 aligncenter\" style=\"padding-top: 25px;\" src=\"https:\/\/www.kylenmccray.com\/wp-content\/uploads\/2021\/01\/stars.png\" alt=\"reviews\" \/><\/p><div class=\"review_Content\"><p style=\"text-align: center; padding: 20px;\">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 &#038; his Team and highly recommend them!<\/p><\/div><p style=\"padding: 20px; text-align: center;\"><strong><span style=\"padding-top: 30px; color: #000000;\">Noah Mangus<\/span><\/strong><\/p><\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-1617\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content testimonial-content\"><div class=\"maybe-clear\"><\/div><p><img decoding=\"async\" class=\"alignnone wp-image-2221 aligncenter\" style=\"padding-top: 25px;\" src=\"https:\/\/www.kylenmccray.com\/wp-content\/uploads\/2021\/01\/stars.png\" alt=\"reviews\" \/><\/p><div class=\"review_Content\"><p style=\"text-align: center; padding: 20px;\">Very easy and convenient process.<\/p><\/div><p style=\"padding: 20px; text-align: center;\"><strong><span style=\"padding-top: 30px; color: #000000;\">Susan C.<\/span><\/strong><\/p><\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-1616\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content testimonial-content\"><div class=\"maybe-clear\"><\/div><p><img decoding=\"async\" class=\"alignnone wp-image-2221 aligncenter\" style=\"padding-top: 25px;\" src=\"https:\/\/www.kylenmccray.com\/wp-content\/uploads\/2021\/01\/stars.png\" alt=\"reviews\" \/><\/p><div class=\"review_Content\"><p style=\"text-align: center; padding: 20px;\">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!<\/p><\/div><p style=\"padding: 20px; text-align: center;\"><strong><span style=\"padding-top: 30px; color: #000000;\">Katelyn M.<\/span><\/strong><\/p><\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-1615\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content testimonial-content\"><div class=\"maybe-clear\"><\/div><p><img decoding=\"async\" class=\"alignnone wp-image-2221 aligncenter\" style=\"padding-top: 25px;\" src=\"https:\/\/www.kylenmccray.com\/wp-content\/uploads\/2021\/01\/stars.png\" alt=\"reviews\" \/><\/p><div class=\"review_Content\"><p style=\"text-align: center; padding: 20px;\">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.<\/p><\/div><p style=\"padding: 20px; text-align: center;\"><strong><span style=\"padding-top: 30px; color: #000000;\">Scott M.<\/span><\/strong><\/p><\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-1613\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content testimonial-content\"><div class=\"maybe-clear\"><\/div><p><img decoding=\"async\" class=\"alignnone wp-image-2221 aligncenter\" style=\"padding-top: 25px;\" src=\"https:\/\/www.kylenmccray.com\/wp-content\/uploads\/2021\/01\/stars.png\" alt=\"reviews\" \/><\/p><div class=\"review_Content\"><p style=\"text-align: center; padding: 20px;\">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.\n<\/p><\/div><p style=\"padding: 20px; text-align: center;\"><strong><span style=\"padding-top: 30px; color: #000000;\">Morga<\/span><\/strong><\/p><\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-1611\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content testimonial-content\"><div class=\"maybe-clear\"><\/div><p><img decoding=\"async\" class=\"alignnone wp-image-2221 aligncenter\" style=\"padding-top: 25px;\" src=\"https:\/\/www.kylenmccray.com\/wp-content\/uploads\/2021\/01\/stars.png\" alt=\"reviews\" \/><\/p><div class=\"review_Content\"><p style=\"text-align: center; padding: 20px;\">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.<br \/>\nI would definitely recommend and work with Kyle again.\n<\/p><\/div><p style=\"padding: 20px; text-align: center;\"><strong><span style=\"padding-top: 30px; color: #000000;\">ramo957<\/span><\/strong><\/p><\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-1610\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content testimonial-content\"><div class=\"maybe-clear\"><\/div><p><img decoding=\"async\" class=\"alignnone wp-image-2221 aligncenter\" style=\"padding-top: 25px;\" src=\"https:\/\/www.kylenmccray.com\/wp-content\/uploads\/2021\/01\/stars.png\" alt=\"reviews\" \/><\/p><div class=\"review_Content\"><p style=\"text-align: center; padding: 20px;\">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\u2019t sure about. Really seemed to care about getting the best rate for me. The loan went through with ears\n<\/p><\/div><p style=\"padding: 20px; text-align: center;\"><strong><span style=\"padding-top: 30px; color: #000000;\">kirkmelani<\/span><\/strong><\/p><\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-1416\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content testimonial-content\"><div class=\"maybe-clear\"><\/div><p><img decoding=\"async\" class=\"alignnone wp-image-2221 aligncenter\" style=\"padding-top: 25px;\" src=\"https:\/\/www.kylenmccray.com\/wp-content\/uploads\/2021\/01\/stars.png\" alt=\"reviews\" \/><\/p><div class=\"review_Content\"><p style=\"text-align: center; padding: 20px;\">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!!<\/p><\/div><p style=\"padding: 20px; text-align: center;\"><strong><span style=\"padding-top: 30px; color: #000000;\">Scott Moeller -Real Estate Resource<\/span><\/strong><\/p><\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-1415\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content testimonial-content\"><div class=\"maybe-clear\"><\/div><p><img decoding=\"async\" class=\"alignnone wp-image-2221 aligncenter\" style=\"padding-top: 25px;\" src=\"https:\/\/www.kylenmccray.com\/wp-content\/uploads\/2021\/01\/stars.png\" alt=\"reviews\" \/><\/p><div class=\"review_Content\"><p style=\"text-align: center; padding: 20px;\">This was my first experience with American Pacific\/Element Mortgage and working with Kyle McCray has been so easy. I&#8217;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.<\/p><\/div><p style=\"padding: 20px; text-align: center;\"><strong><span style=\"padding-top: 30px; color: #000000;\">Linda Rutherford<\/span><\/strong><\/p><\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-1414\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content testimonial-content\"><div class=\"maybe-clear\"><\/div><p><img decoding=\"async\" class=\"alignnone wp-image-2221 aligncenter\" style=\"padding-top: 25px;\" src=\"https:\/\/www.kylenmccray.com\/wp-content\/uploads\/2021\/01\/stars.png\" alt=\"reviews\" \/><\/p><div class=\"review_Content\"><p style=\"text-align: center; padding: 20px;\">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.<\/p><\/div><p style=\"padding: 20px; text-align: center;\"><strong><span style=\"padding-top: 30px; color: #000000;\">Dillon Dineen<\/span><\/strong><\/p><\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-1413\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content testimonial-content\"><div class=\"maybe-clear\"><\/div><p><img decoding=\"async\" class=\"alignnone wp-image-2221 aligncenter\" style=\"padding-top: 25px;\" src=\"https:\/\/www.kylenmccray.com\/wp-content\/uploads\/2021\/01\/stars.png\" alt=\"reviews\" \/><\/p><div class=\"review_Content\"><p style=\"text-align: center; padding: 20px;\">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\u2019s terms! Overall a wonderful experience working with Kyle and his team and I\u2019m excited to continue to stay in touch for any further questions or needs!<\/p><\/div><p style=\"padding: 20px; text-align: center;\"><strong><span style=\"padding-top: 30px; color: #000000;\">nick noschese<\/span><\/strong><\/p><\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-1410\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content testimonial-content\"><div class=\"maybe-clear\"><\/div><p><img decoding=\"async\" class=\"alignnone wp-image-2221 aligncenter\" style=\"padding-top: 25px;\" src=\"https:\/\/www.kylenmccray.com\/wp-content\/uploads\/2021\/01\/stars.png\" alt=\"reviews\" \/><\/p><div class=\"review_Content\"><p style=\"text-align: center; padding: 20px;\">Kyle found an amazing rate for our beautiful property. Kyle was extremely proficient &#8211; the time from first offer to closing was 3 weeks, amazing performance by him and his team!<\/p><\/div><p style=\"padding: 20px; text-align: center;\"><strong><span style=\"padding-top: 30px; color: #000000;\">Steve &#038; Maria Tanker from Auburn, CA<\/span><\/strong><\/p><\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-1409\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content testimonial-content\"><div class=\"maybe-clear\"><\/div><p><img decoding=\"async\" class=\"alignnone wp-image-2221 aligncenter\" style=\"padding-top: 25px;\" src=\"https:\/\/www.kylenmccray.com\/wp-content\/uploads\/2021\/01\/stars.png\" alt=\"reviews\" \/><\/p><div class=\"review_Content\"><p style=\"text-align: center; padding: 20px;\">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!<\/p><\/div><p style=\"padding: 20px; text-align: center;\"><strong><span style=\"padding-top: 30px; color: #000000;\">AudreyMagnusen1 from Rocklin, CA<\/span><\/strong><\/p><\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-1407\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content testimonial-content\"><div class=\"maybe-clear\"><\/div><p><img decoding=\"async\" class=\"alignnone wp-image-2221 aligncenter\" style=\"padding-top: 25px;\" src=\"https:\/\/www.kylenmccray.com\/wp-content\/uploads\/2021\/01\/stars.png\" alt=\"reviews\" \/><\/p><div class=\"review_Content\"><p style=\"text-align: center; padding: 20px;\">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\u2019d call that a win. I would recommend him, for sure.<\/p><\/div><p style=\"padding: 20px; text-align: center;\"><strong><span style=\"padding-top: 30px; color: #000000;\">Chris M from Yuba City, CA<\/span><\/strong><\/p><\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-1406\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content testimonial-content\"><div class=\"maybe-clear\"><\/div><p><img decoding=\"async\" class=\"alignnone wp-image-2221 aligncenter\" style=\"padding-top: 25px;\" src=\"https:\/\/www.kylenmccray.com\/wp-content\/uploads\/2021\/01\/stars.png\" alt=\"reviews\" \/><\/p><div class=\"review_Content\"><p style=\"text-align: center; padding: 20px;\">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!<\/p><\/div><p style=\"padding: 20px; text-align: center;\"><strong><span style=\"padding-top: 30px; color: #000000;\">Denver Chapman from Redding, CA<\/span><\/strong><\/p><\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-1405\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content testimonial-content\"><div class=\"maybe-clear\"><\/div><p><img decoding=\"async\" class=\"alignnone wp-image-2221 aligncenter\" style=\"padding-top: 25px;\" src=\"https:\/\/www.kylenmccray.com\/wp-content\/uploads\/2021\/01\/stars.png\" alt=\"reviews\" \/><\/p><div class=\"review_Content\"><p style=\"text-align: center; padding: 20px;\">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.<\/p><\/div><p style=\"padding: 20px; text-align: center;\"><strong><span style=\"padding-top: 30px; color: #000000;\">Dillon Dineen from Auburn, CA<\/span><\/strong><\/p><\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-1323\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content testimonial-content\"><div class=\"maybe-clear\"><\/div><p><img decoding=\"async\" class=\"alignnone wp-image-2221 aligncenter\" style=\"padding-top: 25px;\" src=\"https:\/\/www.kylenmccray.com\/wp-content\/uploads\/2021\/01\/stars.png\" alt=\"reviews\" \/><\/p><div class=\"review_Content\"><p style=\"text-align: center; padding: 20px;\">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\u2019t sure about. Really seemed to care about getting the best rate for me.<\/p><\/div><p style=\"padding: 20px; text-align: center;\"><strong><span style=\"padding-top: 30px; color: #000000;\">Zillow Reviewer<\/span><\/strong><\/p><\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-1322\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content testimonial-content\"><div class=\"maybe-clear\"><\/div><p><img decoding=\"async\" class=\"alignnone wp-image-2221 aligncenter\" style=\"padding-top: 25px;\" src=\"https:\/\/www.kylenmccray.com\/wp-content\/uploads\/2021\/01\/stars.png\" alt=\"reviews\" \/><\/p><div class=\"review_Content\"><p style=\"text-align: center; padding: 20px;\">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.<\/p><\/div><p style=\"padding: 20px; text-align: center;\"><strong><span style=\"padding-top: 30px; color: #000000;\">Zillow Reviewer<\/span><\/strong><\/p><\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-937\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content testimonial-content\"><div class=\"maybe-clear\"><\/div><p><img decoding=\"async\" class=\"alignnone wp-image-2221 aligncenter\" style=\"padding-top: 25px;\" src=\"https:\/\/www.kylenmccray.com\/wp-content\/uploads\/2021\/01\/stars.png\" alt=\"reviews\" \/><\/p><div class=\"review_Content\"><p style=\"text-align: center; padding: 20px;\">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!<\/p><\/div><p style=\"padding: 20px; text-align: center;\"><span style=\"color: #000000;\"><strong><span style=\"padding-top: 30px;\">Scott Moeller<\/span><\/strong><\/span><\/p><\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-936\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content testimonial-content\"><div class=\"maybe-clear\"><\/div><p><img decoding=\"async\" class=\"alignnone wp-image-2221 aligncenter\" style=\"padding-top: 25px;\" src=\"https:\/\/www.kylenmccray.com\/wp-content\/uploads\/2021\/01\/stars.png\" alt=\"reviews\" \/><\/p><div class=\"review_Content\"><p style=\"text-align: center; padding: 20px;\">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, \u201cadvisors\u201d 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\u2019s financial security this year &#8211; 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.<\/p><\/div><p style=\"padding: 20px; text-align: center;\"><span style=\"color: #000000;\"><strong><span style=\"padding-top: 30px; text-align: left;\">Bill Zangeneh-Lester<\/span><\/strong><\/span><\/p><\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-822\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content testimonial-content\"><div class=\"maybe-clear\"><\/div><p><img decoding=\"async\" class=\"alignnone wp-image-2221 aligncenter\" style=\"padding-top: 25px;\" src=\"https:\/\/www.kylenmccray.com\/wp-content\/uploads\/2021\/01\/stars.png\" alt=\"reviews\" \/><\/p><div class=\"review_Content\"><p style=\"text-align: center; padding: 20px;\">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\u2019re ready for our next move.<\/p><\/div><p style=\"padding: 20px; text-align: center;\"><span style=\"color: #000000;\"><strong><span style=\"padding-top: 30px;\">Dan Mishell<\/span><\/strong><\/span><\/p><\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-815\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content testimonial-content\"><div class=\"maybe-clear\"><\/div><p><img decoding=\"async\" class=\"alignnone wp-image-2221 aligncenter\" style=\"padding-top: 25px;\" src=\"https:\/\/www.kylenmccray.com\/wp-content\/uploads\/2021\/01\/stars.png\" alt=\"reviews\" \/><\/p><div class=\"review_Content\"><p style=\"text-align: center; padding: 20px;\">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&#8217;ve since become friends and that is obviously a testament to the quality of a person Kyle is. Highly recommend!<\/p><\/div><p style=\"padding: 20px; text-align: center;\"><strong><span style=\"padding-top: 30px; color: #000000;\">Zillow Reviewer<\/span><\/strong><\/p><\/div><div class=\"clear\"><\/div><\/div><\/div><\/div><\/div>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\"1\" _builder_version=\"4.6.1\" _module_preset=\"default\" background_enable_color=\"off\" use_background_color_gradient=\"on\" background_color_gradient_start=\"rgba(12,113,195,0.8)\" background_color_gradient_end=\"rgba(12,113,195,0.8)\" background_color_gradient_overlays_image=\"on\" background_image=\"https:\/\/www.kylenmccray.com\/wp-content\/uploads\/2020\/09\/california.jpg\" custom_margin=\"0px||0px||true|false\" custom_padding=\"10px||10px||true|false\"][et_pb_row column_structure=\"2_5,3_5\" make_equal=\"on\" _builder_version=\"4.6.1\" _module_preset=\"default\"][et_pb_column type=\"2_5\" _builder_version=\"4.6.1\" _module_preset=\"default\"][et_pb_text _builder_version=\"4.6.1\" _module_preset=\"default\" header_2_font=\"Roboto||||||||\" header_2_text_color=\"#ffffff\" header_2_font_size=\"30px\" header_4_font=\"Roboto|700|||||||\" header_4_text_align=\"center\" header_4_text_color=\"#000000\" header_4_font_size=\"32px\" text_orientation=\"right\" custom_margin=\"10px||||false|false\" header_2_text_align_tablet=\"\" header_2_text_align_phone=\"center\" header_2_text_align_last_edited=\"on|phone\" text_orientation_tablet=\"\" text_orientation_phone=\"center\" text_orientation_last_edited=\"on|phone\"]<\/p>\n<h2>START TODAY<\/h2>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=\"3_5\" _builder_version=\"4.6.1\" _module_preset=\"default\"][et_pb_text _builder_version=\"4.6.1\" _module_preset=\"default\" text_orientation=\"center\"]<!--<a href=\"https:\/\/simplenexus.com\/borrower\/signup\/kyle.mccray@elementmortgage.com\" class=\"footer_buttons\" target=\"_blank\" rel=\"noopener\">Apply for a Loan<\/a>--> <a href=\"https:\/\/go.oncehub.com\/KyleNicholasMcCray\" class=\"footer_buttons\" target=\"_blank\" rel=\"noopener\">Get a Quote<\/a> <a href=\"https:\/\/www.kylenmccray.com\/contact\/\" class=\"footer_buttons\" style=\"margin:0;\">Contact Me<\/a>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A Mortgage Education Leader Get a Quote Contact MeLet&#8217;s find your dream home together Fast Loan ApprovalIt\u2019s Quick &#038; EasyHave Mortgage Questions?Get Answers TodayMy Promise To You Is to be an advisor in one of the biggest decisions of your life as well as to treat you like family throughout the process. I promise to [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Kyle McCray Mortgage<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.kylenmccray.com\/colorado\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kyle McCray Mortgage\" \/>\n<meta property=\"og:description\" content=\"A Mortgage Education Leader Get a Quote Contact MeLet&#039;s find your dream home together Fast Loan ApprovalIt\u2019s Quick &amp; EasyHave Mortgage Questions?Get Answers TodayMy Promise To You Is to be an advisor in one of the biggest decisions of your life as well as to treat you like family throughout the process. I promise to [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.kylenmccray.com\/colorado\/\" \/>\n<meta property=\"og:site_name\" content=\"Kyle McCray\" \/>\n<meta property=\"article:modified_time\" content=\"2021-10-28T11:39:14+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"24 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.kylenmccray.com\/colorado\/\",\"url\":\"https:\/\/www.kylenmccray.com\/colorado\/\",\"name\":\"Kyle McCray Mortgage\",\"isPartOf\":{\"@id\":\"https:\/\/www.kylenmccray.com\/#website\"},\"datePublished\":\"2021-02-05T10:27:24+00:00\",\"dateModified\":\"2021-10-28T11:39:14+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.kylenmccray.com\/colorado\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.kylenmccray.com\/colorado\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.kylenmccray.com\/colorado\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.kylenmccray.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Colorado\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.kylenmccray.com\/#website\",\"url\":\"https:\/\/www.kylenmccray.com\/\",\"name\":\"Kyle McCray\",\"description\":\"Just another WordPress site\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.kylenmccray.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Kyle McCray Mortgage","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.kylenmccray.com\/colorado\/","og_locale":"en_US","og_type":"article","og_title":"Kyle McCray Mortgage","og_description":"A Mortgage Education Leader Get a Quote Contact MeLet's find your dream home together Fast Loan ApprovalIt\u2019s Quick & EasyHave Mortgage Questions?Get Answers TodayMy Promise To You Is to be an advisor in one of the biggest decisions of your life as well as to treat you like family throughout the process. I promise to [&hellip;]","og_url":"https:\/\/www.kylenmccray.com\/colorado\/","og_site_name":"Kyle McCray","article_modified_time":"2021-10-28T11:39:14+00:00","twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"24 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.kylenmccray.com\/colorado\/","url":"https:\/\/www.kylenmccray.com\/colorado\/","name":"Kyle McCray Mortgage","isPartOf":{"@id":"https:\/\/www.kylenmccray.com\/#website"},"datePublished":"2021-02-05T10:27:24+00:00","dateModified":"2021-10-28T11:39:14+00:00","breadcrumb":{"@id":"https:\/\/www.kylenmccray.com\/colorado\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.kylenmccray.com\/colorado\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.kylenmccray.com\/colorado\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.kylenmccray.com\/"},{"@type":"ListItem","position":2,"name":"Colorado"}]},{"@type":"WebSite","@id":"https:\/\/www.kylenmccray.com\/#website","url":"https:\/\/www.kylenmccray.com\/","name":"Kyle McCray","description":"Just another WordPress site","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.kylenmccray.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/www.kylenmccray.com\/wp-json\/wp\/v2\/pages\/1137"}],"collection":[{"href":"https:\/\/www.kylenmccray.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.kylenmccray.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.kylenmccray.com\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.kylenmccray.com\/wp-json\/wp\/v2\/comments?post=1137"}],"version-history":[{"count":1,"href":"https:\/\/www.kylenmccray.com\/wp-json\/wp\/v2\/pages\/1137\/revisions"}],"predecessor-version":[{"id":1575,"href":"https:\/\/www.kylenmccray.com\/wp-json\/wp\/v2\/pages\/1137\/revisions\/1575"}],"wp:attachment":[{"href":"https:\/\/www.kylenmccray.com\/wp-json\/wp\/v2\/media?parent=1137"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}