Modesto, CA homebuyers: Meet Carlos Villapudua, your dedicated mortgage expert at Valley First Credit Union. Carlos provides tailored mortgage solutions, guiding you through every step of the home buying process. Leverage his in-depth knowledge of Valley First's lending programs to secure the best financing for your needs. Visit Carlos at the Modesto branch, Monday through Friday, 9 AM to 5 PM, and let him help you achieve your homeownership dreams.