Kyle Nicholas McCray - Mortgage Lender - Roseville, California

Shirley Russell

I recently had the pleasure of working with Kyle N McCray on a transaction where they assisted the buyers purchasing a property I had listed in South Lake Tahoe, CA. From start to finish, they were professional, communicative, and highly efficient.

His ability to navigate the loan process seamlessly ensured that all parties remained on track for a smooth and timely closing. They kept me informed every step of the way, which made the entire experience stress-free for everyone involved.

Client satisfaction and their commitment to making the process straightforward and successful. I look forward to working with Kyle again in the future!
Shirley Russell

Arnel Leus

We’re so grateful for the amazing support and guidance that Kyle provided to us in the whole process! We could not ask for a better loan officer. He’s available anytime for any questions. He’s so kind and so professional. Kyle is the BEST! Sharing this wonderful experience that we will forever cherish.

Thank you so much! 🙏

Mark Deal Realtor

As a realtor, I’ve had the privilege of working with numerous lenders over the years, but none have impressed me quite like Kyle McCray. Partnering with him on a recent transaction has truly been a game changer for both me and my clients. Kyle is the epitome of professionalism—always proactive, extremely responsive, and, above all, a true expert in his field.

From the very first meeting, I knew I was working with someone who not only understands the intricacies of the mortgage process but also has a genuine passion for helping clients navigate it seamlessly. Kyle takes the time to explain complex financial options in a way that’s accessible and easy to understand, making him an invaluable asset to anyone looking to secure a mortgage. His attention to detail is unparalleled, and his ability to find the best solutions for clients in any situation is something that truly sets him apart.

What makes working with Kyle even more exceptional is his unwavering commitment to the partnership. He is responsive in real-time, which is crucial in this fast-paced market. I never have to worry about delays or miscommunication—Kyle is always on top of things and keeps me and my clients updated every step of the way.

He treats every transaction with the same level of urgency, ensuring everything runs smoothly from start to finish.

Kyle is not only an expert in the industry but also a consummate professional who genuinely cares about the success of the transaction. It’s rare to find someone who blends knowledge, professionalism, and genuine client care the way Kyle does.

I wholeheartedly recommend him to any fellow realtors or clients in need of a top-tier mortgage consultant. If you want a seamless, smooth, and successful transaction every time, Kyle McCray is your guy. He has earned my full trust, and I look forward to many more successful collaborations in the future!

Ching-Hsuan Ho

I would express my sincere gratitude for Kyle's exceptional service throughout the entire loan process. His expertise, professionalism, and dedication were instrumental in making my loan experience smooth and stress-free.
I would wholeheartedly recommend Kyle's services to anyone seeking a reliable and knowledgeable loan officer. Thank Kyle again for everything.

John Anderson

Working with Kyle of Element Mortgage has been an overall great experience. The process did have some ups and downs but we were able to get everything completed in a reasonable timeframe. Overall I’ll definitely be giving Kyle a call on my next purchase.

Amy Tremayne

What can I say…Kyle cares more than most of the lenders I’ve worked with in the last 10 years. I was the listing agent on a condo transaction and Kyle worked so hard to get an FHA approval for the unit. Unfortunately, the individual unit was denied. But instead of giving up, Kyle worked with me to get the entire complex approved!! Most blenders would have given up but not Kyle. He rallied the troops, a.k.a. myself, the buyers agent and the HOA… and we pushed and pulled until the very end. To the benefit of both of our clients we made it happen. If you have the opportunity to work with Kyle, he will experiment it firsthand. He’s a 5 star lender through and through.

Ashley

Kyle helped me recently with buying a home. He expertly guided me through the whole process. He is extremely knowledgeable, professional and patient. He explained things in a way that were easy to understand. He maintained this consistency throughout the entire process. I would not hesitate in recommending his services or using him again in the future. Thank you Kyle!

Matt Haven

Worked with Kyle helping a buyer purchase a new construction home. Kyle was very professional and extremely helpful in getting our mutual client through the process and into an amazing home. I look forward to working with Kyle and everyone at the Element Mortgage team in the future.