Jim Kubicka

Mortgage Advisor, NMLS #268849 First Capital


Aug 22, 2017
Director of Engineering
I have to tell you Jim basically held my hand and delivered me through the process of buying a home. The nightmare compared to 20 years ago made me want to give up but Jim was right there for me and accommodated all of my questions and concerns and direction even on the off hours and weekends. I really don't believe I would have stuck to this if it were not for Jim. I would have stayed in an apartment for ever if it not for Jim's guidance and care and patients with my naivety. Thanks Jim
Jun 21, 2017
Home buyer
On a 1 to 10 scale Jim and his team rank at 25. The pre-qualification process was pretty straightforward and I was wondering if there was more to it, but once we started the funding process Jim and his team went into hyperdrive. I honestly wondered if his team ever went to lunch or home because they were always available, even at the oddest hours, to answer our questions and take care of our needs. There is no way I can relate to you just how happy we were with the service we received. Let me say in closing that you will not regret working with Jim and his team.
Jun 6, 2017
Mr kubicka was working in our lone for our new home in the last couple of month , he was very knowlgable and patient and walked with us step by step through the whole process till the loan was approved and funded , we are so happy with our new home and thanks to Jim Kubicka effort and we definitely recommend him to any home buyer that looking for an honest loan.
Thanks Jim
Jun 6, 2017
Home buyer
Jim did an amazing and incredible job of explaining everything from day one to the very last page of all documentation and he did his very best explaining all of that to me. Jim is a very honest man and a great one too! I'm very happy I choose him to help me in purchasing my first house! Jim is a great man!
Mar 3, 2017
Jim processed my loan in so quickly that I was able to close in less than 3 weeks. Jim is highly skilled, professional and knowledgeable and it was a pleasure working with him.
Mar 1, 2017
Hi Jim
Your assistance in helping secure my mortage loan was excellent! Everything was done in a timely and professional manner.
Dick Rossi

Jul 2, 2016
Jim was very helpful in acquiring a loan to purchase our new home. He walked us through the steps and kept in contact with us throughout the process. Jim was easy to work with as he is not only knowledgeable, but a pleasant individual. Thank you, Jim!
May 18, 2016
Jim was very knowledgeable during the course of our transaction. It was nice to know we could call him with any questions we had- and he had the answers. We was able to get us a better rate than we expected at the beginning. Jim had excellent customer service- we closed escrow and couldn't be happier! Thank you.
May 3, 2016
Engineering Consultant
Jim worked with my wife and me on the purchase of our retirement home in San Diego County. It was a somewhat complicated financing as we were purchasing to lease the home for the next five years until we retire to Southern California. And we needed to draw on equity on our current home in Northern California. Jim worked tirelessly over several weeks to secure a refinancing of our current home in Northern California and a new financing of our future retirement home in Southern California. Jim was on top of every detail. He took the time to explain every step of the process to us and why each piece of information was needed. Because we were seeking two mortgages in parallel there was a lot of duplication and Jim was very helpful in keeping all files in order and in place. He worked diligently at getting us the best possible terms and conditions for our mortgages. Jim was very pleasant to work with. I highly recommend Jim as your next mortgage broker.
Feb 17, 2016
Account Manager
A super nice guy with a paramount knowledge of the industry!
Feb 16, 2016
I called Jim several times during the mortgage process and he answered or called back promptly. He answered all my questions and took the time to make sure I understood everything that was happening.
Feb 9, 2016
Jim did an awesome job in getting us a great product. He knew the latest procedures and rules and was up to date. He answered all our questions in great details. He followed up with the lenders to ensure that we close in stated timeline. He was great and flexible to work with. We are happy to recommend him.
Feb 8, 2016
We used Jim as our mortgage advisor late in 2015 at the time a number of the mortage rules had just changed. He was well aware of the changes, navigated our mortgage through the revised processes, and kept us informed. I know of other folks who had significant delays in their mortgage processing at this time. We did not.

Jim is an experienced professional that did great work for us. I feel comfortable recommending his services without reservation.
Jan 6, 2016
To whom it may concern:

Jim performed his review/lending function with discretion and efficiency. He is pleasant to work with and always answered our questions promptly and courteously. Regardless of a very busy work schedule, he always showed us a smile, never lost his patience, and also, at times, could display a sense of humor. We also found him to be a quite interesting person; he is an avid traveler and can tell you many things about France. We can recommend him without reservation.


Roy & Tere Shoemaker
Jan 2, 2016
Jim did an outstanding job finding a great loan in a short amount of time. He's very experienced, honest and wil give pros and cons to different options. My family has worked with him 4 times and I would work with again.
Jan 2, 2016
First Vice President
I wanted to share my experience working with Jim Kubicka in refinancing my recent loan in 2015.
i bought my home in 2004 and had been in a higher interest rate and upside down in value for years. As soon as the home values went up I contacted my lender, who I'd been with for ten years (Citi) and was given such poor service and communication, that the timeline expired. They kept my loan transaction fee! Jim got the job done with integerity, professionalism and speed. I highly recommend Jim to all my family and friends to get the loan closed on time and at great value.
Dec 28, 2015
Jim did a superb job on navigating a time sensitive mortgage application through the underwriting and approval process. Throughout, he kept us informed of progress, and did a great job representing our needs and making sure information passed quickly between various groups. He thoroughly understands the process and has great relationships with real estate brokers to keep everybody informed and confident.
Dec 26, 2015
We'll start by saying that we have used Jim twice which should speak volumes on the experience we had but here are some details. Jim helped us with our first home and using VA. Jim walked us through each step of the process, carefully explaining what was happening next and the potential outcome along the way. Jim always picked up the phone or got back to us when we were in "panic mode" and his calm demeanor always helped get us back on track. Jim is so knowledgeable about what is happening with current market rates and explains the entire process in terms we can understand. The one skill set Jim has mastered in our opinion is managing expectations. He never got our hopes up but in turn jumped through hoops coordinating with others involved to close on time (both times!). Suffice it to say that Jim is a consummate professional, confident and with an easy going manner that keeps stress levels down. We would not hesitate to recommend Jim to anyone needing to finance their home and if the time comes, will use him again.
Dec 23, 2015
Jim, is congenial, thorough, diligent and has deep knowledge regarding mortgage financial issues. Jim is able to solve all of the problems that come forth during the process. He is helpful, kind, patient and wants to help you buy the home of your dreams. He is a winner!

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