San Jose homebuyer? Byron Osborne at Citizens Equity First Credit Union simplifies conventional mortgages. As your dedicated loan officer, Byron guides you through every step, ensuring a smooth and efficient process. Leverage his expertise in conventional loan products to achieve your homeownership goals. Connect with Byron during standard business hours, 9 AM to 5 PM, and experience personalized service tailored to your unique needs. Let Byron Osborne unlock the door to your dream home.