Lance Kinkead

Sr. Loan Officer, NMLS #260499 Guaranteed Rate Affinity
Lance Kinkead has been working in the finance industry for over 16 years before coming to First Capital. His expertise, diligence and professionalism have helped him enjoy a successful career in home lending. Specializing in FHA, VA, conventional and jumbo loans, Lance comes to each client meeting equipped with an impressive range of technical expertise and knowledge to guide his clients through the mortgage financing process.


Apr 21, 2017
Sr. Configuration and Data Manager
Lance is a true professional and is extremely knowledgeable about the mortgage and lending business. When my husband and I decided to refinance our home to pay off large student loan debt and smaller debt, Lance suggested a path forward that exceeded our expectation. He is always up to date on the latest information from the "Feds" in regard to drop or rise in interest rate to advise you accordingly. Wether you are purchasing a home for the first time or refinancing, Lance and his team will help you achieve your path to homeownership or help you reach your financial goals.
Dec 9, 2016
Health/Nutrition Coordinator
Lance is a great person to work with. He has helped me finance my first home, and now refi it 3 years later. Buying my first home wasn't an easy quick process due to my personal things. Lance stuck by me for about 7 years helping where he could until I bought. Now that's a great finance guy.
Oct 27, 2016
You can count on Lance to get your loan done, the process is seemless.
Sep 30, 2016
Lance made this process seem easy. We have never gone through this before.
He was available to address any of our concerns or questions no matter what.
Sep 30, 2016
If anyone is looking for someone to help finance your home, Lance Kinkead is the perfect person to help you. Like many people we were first time home buyers and Lance helped us accomplish our purchase. He answered a million questions for us, sometimes they were back to back phone calls and emails, and all answered right away. Mr. Kinkead is patient, and very efficient at his job. We strongly recommend Lance Kinkead.

Thank you,
Estrella Sanchez
May 23, 2016
Construction Technician
My wife and I have been through three real estate agents but Lance was the only loan officer we felt the need to work with. He was very professional and always made himself available whenever we had a question or concern. In our first meeting, he pointed out red flags in our credit reports and helped us develop a plan to help improve our scores. He also carefully explained the terms and conditions associated with different types of loans and broke down the numbers using an easy to follow matrix. Lance was there for us every step of the way by helping us digest the paper work, catching potential errors on our part and the sellers, and keeping an open line of communication. Thank you, Lance, for helping us make our home buying dream come true!
Apr 19, 2016
Network Data Comm Analyst Stf
I bought my first condo using a VA loan. Lance was fast, professional, and friendly throughout the entire process. He was easy to get in touch with and was more than willing to explain the details to me. He knows how to do his job very well and i highly recommend his services!
Jan 27, 2016
Lance is a problem solver who analyzes your needs with precision and navigates complicated situations with clarity, creativity and humor. His calm demeanor is a natural expression of his years of experience and deep knowledge of the finance industry. He is a pleasure to work with.
Jan 1, 2016
Viet-Nam Veteran U,S,Army Special Forces
Lance Kinkead's performance was outstanding throughout my entire V,A, Home Loan process.He was always readily available and prompt to concisely and understandably explain terms, documents or other questions that arose. He would take the time to arrange our appointments for my convenience.Lance provided invaluable expediting and coordination between all involved parties,i.e.,veteran, real estate agent(s),escrow office, etc. A very knowledgeable and efficient professional, I highly recommend Lance Kinkead to all veterans or anyone for the exceptional service and expertise he provides.
Jan 1, 2016
Homeowner/Disabled Veteran
To whom it may concern,

Lance was there when I first bought the house where he found me the best deal on interest rates that were going around at that time. As disabled veteran and a first-time buyer I was very confused about what I were my options and my due diligence but between my agent and Lance we got through it just fine and with a payment I could afford.

In 2010 real estate was moving slow and though the house had good bones it needed modernization and with social security and my veteran pension as my sole source of income working on it alone was draining. In the community stretched by 2008, everyone and every agency was at their limits and everyone else whom I turned to for a loan or for assistance turned me down.

I don't know where I would be on my remodel without Lance Kincaid assistance. I am a senior and a hundred percent service connected veteran. I had been unable to find help anywhere else but Lance said he would help me and true to his word Lance stood my me through the very long process that only another long-term disabled veteran would understand.

Bless you Lance and many more thanks.

Alan Gervasi
Jan 1, 2016
Rail Transit Operations Supervisor
Lance Kinkead is very professional and persistent when it comes to finding funds for your loan and walking you through the entire process. I would recommend Mr. Kinkead if you want fast and reliable service for your home buying experience.
Jan 1, 2016
Lead Data Analyst
Lance was great! He helped us make sure everything was in on time and helped with all of the tedious paperwork. He would pick up the phone when things were going slow to check in, which we appreciated. I would recommend Lance to anyone.
Dec 28, 2015
Professor California State University Northridhe
Lance Kinkead did an excellent job in securing our loan. He was exceptionally professional from the beginning of the process to the end. He was always readily available to answer any questions, review documents and accompany us to the escrow office. He was prompt in returning phone calls, emails and/or text messages. He was quick to explain documents and various terms. He made every appt convenient to our schedule and often arranged his hours to accommodate us. I would highly recommended Lance Kinkead to my my and friends colleagues for his outstanding service and professionalism.
Dec 28, 2015
We recently purchased a condo and we worked with Lance to obtain the loan.
Lance is very knowlegeable, he guided us through the mortgage finance with great expertise, answered our questions in a thoughtful and timely way. He is responsive, personable and very professional. I highly recommend Lance to anyone looking to purchase a property and needs a loan.

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