Growing up in a real estate family, Kyle Pugel was immersed in the industry long before making it his career. His parents ran their own company, and he and his sister spent their childhood doing homework in the conference room, helping with marketing, putting up signs and watching their parents build a business. By 18, he was already licensed, selling homes while in college and interning in both real estate and finance. But despite those early experiences, he didn’t immediately land in lending.

After earning a finance degree from Northern Arizona University, Pugel began his career as a financial advisor, earning his Series 7 and 66 licenses. His younger sister had already found success in mortgage lending, and as he watched her build her business, he realized it was the right path for him, too. “Having a strong financial education and background really set me up for success in the mortgage business,” he says. “We work with CPAs and financial advisors all the time, so understanding their world and the products they use helps me communicate better with clients.”

Now, with 12 years in lending, Pugel leads The Pugel Team at Guaranteed Rate Affinity, specializing in jumbo loans and self-employed borrowers in Arizona’s luxury market. He believes in making the mortgage process clear and straightforward, as well as making sure every client understands their numbers and feels confident in their decisions.

He’s earned multiple top producer honors, a spot in Guaranteed Rate Affinity’s President’s Club for eight straight years and recognition among the top 1% of lenders in the industry.

Outside of work, Pugel spends time with his wife and two young sons, exploring local spots and seasonal activities. 

Guaranteed Rate Affinity, Inc. is a private corporation organized under the laws of the state of Delaware. It has no affiliation with the U.S. Department of Housing and Urban Development, the U.S. Department of Veterans Affairs, the U.S. Department of Agriculture or any other government agency.