Chase Home Lending

Eloy proudly serves clients in the Modesto, CA area. Eloy has 12 years of experience as a Senior Home Lending Advisor. Whether you're a first-time homebuyer, need to expand or downsize, or are looking for a second home, Eloy is here to help you find a mortgage to fit your needs. Starting with a review of your finances, Eloy can help you get a clear picture of what might work best for you. Eloy will explain your options, answer any questions you may have, keep you informed and guide you through every step of the mortgage process. Above all, Eloy wants to ensure that you have a positive home lending experience.

At First Capital Mortgage Inc., we help clients make confident, strategic mortgage decisions—without the stress. Led by Steve McNeal, a mortgage and real estate professional since 1986, we offer expert guidance for first-time buyers, self-employed borrowers, investors, and homeowners looking to refinance or access equity. We bring clarity to complex financing, fast closings, and personal support every step of the way. Offices in California, Tennessee, and Nevada. Let’s talk about your goals—we’re here to help.