Lucas Nincioni brings a strong legacy of real estate in his family and a natural talent for helping people—making him a perfect fit for Coast Home Loans. With years of experience in client-focused roles, Lucas has built a reputation for exceptional communication, genuine care, and the ability to guide people through important decisions with confidence and clarity.
Known for being dependable, patient, and solution-oriented, Lucas has always earned the trust and loyalty of the clients he serves. He takes pride in providing a seamless, stress-free experience and believes that great service is rooted in listening, educating, and showing up consistently.
Lucas is excited to bring his client-first mindset into the mortgage world. He approaches every borrower with transparency, empathy, and the goal of making homeownership feel achievable and empowering. His background in building strong, trust-based relationships allows him to guide clients through the loan process with ease and confidence.
Outside of work, he values family, time outdoors, and being part of the Central Valley community he’s proud to serve.
Conventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%–20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years.
FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. Click here to see the loan limits in your area.
If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!
Curious about refinancing your home in California? Rates are historically low and now may be the right time to start saving money every month!
Not sure how much of a home you can afford? Enter your personalized information below to get a good ballpark figure of the type of home you can afford today!
