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Kyle Pugel

VP of Mortgage Lending Guaranteed Rate Affinity NMLS #384264
Kyle Pugel uses his 12+ years of experience in the real estate industry to deliver a smooth and timely loan process, which his clients appreciate. They also value his positive, patient demeanor and the fact that he is always available to them.

Each of Kyle’s clients is treated as a lifelong customer and is given the personal attention they deserve. Whether it’s a refinance, remodel, first time home purchase, or investment property purchase, he is committed to providing the right loan program for each of his clients based on their financial goals.

“I find positive solutions for people looking for mortgages. With me you get the benefit of my knowledge and real estate experience from multiple angles of the transaction. I identify potential issues and address them before they can cause problems. ” –Kyle Pugel

Based in Scottsdale, Kyle is licensed to sell mortgages throughout Arizona and has originated loans in many other states during his career. His consistent focus on communication and teamwork with his real estate partners enables him to deliver the highest level of customer service possible.

Kyle grew up in the small town of Pine, Arizona. He holds a Bachelor of Science degree in Business Administration from Northern Arizona University. In his spare time, he enjoys spending time with family and friends, training for and competing in triathlons, and traveling.
Thanks to Kyle, for ensuring a stress-free process, especially given a quick timeline. I would highly recommend working with Kyle and his team!
CEO
Kyle is very knowledgeable and responsive, even during nights and weekend. His team was efficient and process was streamlined. He's a true professional - he took the time to really understand my needs and align me with the appropriate loan product. I highly recommend Kyle and his team and look forward to working with him in the future.
I just wanted to say that Kyle did a great job helping with my loan and understood our needs and met them.
Thanks so much!
Sincerely,
Denise Westbrooks
Kyle was extremely helpful and quick in getting our mortgage. We can't thank him enough.
Very pleased with Kyle's service.
Financial Controller
The GRA team did a fantastic job, I could not have asked for an easier and more stress free experience! Their platform for uploading documents and directly connecting my financial accounts was a breeze. 5 out of 5 stars in every category!
I was very pleased with Guaranteed Rate Affinity. Knowledgeable, efficient and easy to work with. I will recommend GRA to my friends and will use again as the need arises.
Realtor, Investor,
For over 30 years I have been buying and selling properties in Arizona.
By far, Kyle has been the most OC with communications, accuracy, dependability.
He understood that I am computer illiterate and always checked that I had received his communications. He met with me numerous times very early in the morning to assure that my husband and I were keeping up with the process.
When my husband elected to not work as COVID became apparent, Kyle persevered and in a creative way, we obtained the loan.
I strongly suggest that when looking for a loan officer who really cares, call him!
Athletic Director
Kyle Pugel was awesome throughout our loan process. He was extremely patient with us, as we had many questions throughout the entire process. Kyle was always available, answered our questions immediately, and explained things in detail that allowed us to understand the loan process. Kyle even face timed us when we were struggling to complete required paperwork. There is not one small detail that I wish Kyle would have done better. He was fantastic to work with! I would recommend Kyle Pugel without any hesitation whatsoever.
Account Manager
Kyle was amazing to work with throughout the home buying process. From making sure the documents were arranged in a quick, easy, and accessible manner to answer the many little questions I had. 5 stars and would highly recommend to others!

Solo Pianist NYCB
I can’t say enough about KYLE! His calm expertise and overall insight into the mortgage industry has helped me tremendously in the purchase of a condo and a house. I have yet to ask a question that he can’t answer. And his timing is perfect. I can’t recommend him KYLE highly enough!!
Account Director
Kyle was available at all times of day, every day. He was patient, friendly, and helpful. Kyle made a normally very complicated process very easy.
Retired
It was a pleasure working with Kyle. He made the process virtually seamless from application to closing. Kyle was available anytime we needed his assistance. Would highly recommend him to anyone..
Sr Health Analytics Consultant
Kyle did a great job communicating and helping my wife and I out during our loan process. He made it super simple and he was always there to help us out when we had questions.
Kyle is amazing! And not only because of what he did once we choose to go with him and his loan services, but because of how he worked with us before we were even clients.

My husband and I switched our loan to Kyle after our offer had been accepted and after we had done the appraisal on our home. Of course, mid corona-economic-freak-out, our current loan officer could not offer us a competitive rate. Kyle talked us through our options without any promise from us that we would switch! He texted us one morning, in fact, saying that rates had lowered and we should contact our current loan people to lock. When they couldn’t match, we switched. He then kept us appraised and up to date every step the way. Thank you!
Commander USN, retired
An extremely good listener combined with his consistent ability to provide accurate timely responses to all our questions. He is extremely knowledgeable about the mortgage business and must have a PhD in Customer Service! Personable, concerned about customer needs, and a calm, straight "shooter" are all applicable when describing Kyle. MANY THANKS from Lorilyn and myself!
Director of Wholesale Sales
Kyle and his team did a great job for us from day one. We live in Pittsburgh Pa and were purchasing a home in Phoenix. Kyle and his team reacted so quickly on everything from pre-qualifying us to going through the loan preparation, submission and closing process.

Kyle and his team were always available by phone or text and got back to us with answers or help immediately. I would highly recommend Kyle and his team for a completely seamless home mortgage from beginning to end.

Director of Performance
Kyle did a terrific job for me during my home loan process. He was attentive, easy to get contact when questions came up and was easy to talk to. I would definitely recommend to friends and work with Kyle again!
My wife and I had an excellent experience working with Kyle Pugel on our refinance earlier this year. Not only was Kyle extremely knowledgeable, he and his team made the process so easy for us. One of the things that stands out about our time working with Kyle is how quick he would reply to our questions; working with someone as dependable and reliable as Kyle made the whole refinance process easier to deal with. We highly recommend Kyle to anyone with mortgage lending needs.
Always very responsive and helpful with all my questions. Great team to work with! Would highly recommend!
Attorney
Kyle and his team did an excellent job handling my loan. They were friendly, prompt, and efficient. I certainly recommend his services.
Kyle Pugel was very knowledgeable regarding the loan process and kept us informed every step of the way. He was pleasant and helpful and willing to answer any questions in a timely manner.
We highly recommend Kyle and would be happy to work with him again in the future.
Kyle and his team are extremely efficient. Everything went very smoothly and I would recommend him to anyone trying to secure a loan.
CEO
I am extremely pleased with the support that Kyle offered us during the Mortgage approval. His professionalism was evident in the promptness of his responses and the precision in guiding us through the completion of complex documentation. I am a quite busy man and so I particularly appreciated the simplicity and smoothness of info exchanges. I will definitely relate to Kyle for future needs.
Retired educator
I really appreciated working with Kyle. It was a pleasant experience that took a very short time. I don't have a lot of computer experience so Kyle took it in stride to help me along, never getting frustrated with me. Kyle made sure that I got all the documents in that I needed and basically take care of signing papers online (something I had to get used to and Kyle helped me along.)
I would definitely recommend Kyle for your next refi experience. Kyle and Neil did all the work and only got in touch with me when they had to. Short, fast experience.

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