With over 25 years of experience in the mortgage industry, Jim Kubicka has helped thousands of clients purchase or refinance their homes. He has worked with buyers at all stages of the home purchase, including first-timers, move-up buyers, investors and clients buying multi-million luxury properties throughout California. Using a vast network of referral partners, a personable approach and extensive industry insight, he helps clients to identify their needs and to craft a solution to meet their specific objectives. And because he has such a wide array of available loan programs, he is often called upon to rescue loans that have stalled with other lenders. Jim holds himself to the highest professional and ethical standards and strives to make every transaction as seamless as possible, from start to finish. Give Jim a call to see how he and First Capital can help you with your home financing needs!