Roni Gonzalez, Sr. Mortgage Advisor - NMLS #268702

Roni Gonzalez, Sr. Mortgage Advisor - NMLS #268702 As a specialist in the home financing industry, my experience includes years as a Loan Processor and Underwriter.

✨🏡Making home dreams come true and building wealth with real estate.
💖1st time Homebuyers/Military/Veterans
Synergy One Lending, Inc
Personal NMLS 268702/Synergy NMLS 1907235
Equal Housing Opportunity With over 25 years in the mortgage industry, I have the experience and knowledge to obtain the program and the most competitive pricing to suit my client’s needs. From purchases to refinances for ind

ividuals with stellar credit scores and those with credit challenges, I believe everyone has a story and I customize your mortgage to meet your individual needs. This foundation of training and hands-on experience gives me the advantage of understanding and knowing ahead of time what an Underwriter will need to achieve a smooth transaction. With this knowledge, I guide your loan through the approval process, resulting in a transaction that closes quickly, seamlessly, and on time. I work hard to continue to be considered one of the Best of Tracy, which contributes to my ongoing passion for the work I do, the respect and care I demonstrate to my clients, maintain excellent communication, and the overall concierge service experience my clients receive.

Refinancing 101 🏡Swipe to see how it works! And why so many homeowners are considering it right now.
09/07/2026

Refinancing 101 🏡
Swipe to see how it works! And why so many homeowners are considering it right now.

Happy Labor Day! 🇺🇸Today is a day to recognize the hard work, dedication, and contributions of the people who help keep ...
09/07/2026

Happy Labor Day! 🇺🇸

Today is a day to recognize the hard work, dedication, and contributions of the people who help keep our communities moving forward.

Whether you’re spending the day relaxing, enjoying time with family and friends, or still hard at work—wishing you a safe and enjoyable Labor Day. ❤️🤍💙

Roni Gonzalez
Sr. Mortgage Advisor
NMLS #268702

What's your favorite part of homeownership?
09/02/2026

What's your favorite part of homeownership?

FHA loans are one of the most popular options for first-time buyers. Swipe through to learn the basics 🏡
08/31/2026

FHA loans are one of the most popular options for first-time buyers. Swipe through to learn the basics 🏡

08/29/2026

🏡 Thinking about buying a home but worried about the down payment?

There are more options!

Homes for sale are approaching 1.2 million nationally—the most since late 2019. That means today’s homebuyers may have more homes to choose from and, depending on the market and property, more opportunities to negotiate.
But here’s something I want first-time homebuyers to know:
There are down payment assistance programs, first-time homebuyer programs, closing cost assistance, FHA loans, VA loans, and conventional loan options that can help make buying a home more achievable.
And depending on the program guidelines, we may even be able to layer down payment assistance with other eligible home loan strategies.
If you’ve been searching:
🔎 “How much down payment do I need to buy a house?”
🔎 “Do I qualify for down payment assistance?”
🔎 “What programs are available for first-time homebuyers?”
🔎 “Can I get help with closing costs?”
🔎 “How do I get pre-approved for a mortgage?”
Those are exactly the conversations I help buyers with every day.
Before assuming you need to save more or wait another year, let’s look at your numbers and find out what homebuyer assistance and mortgage options may be available to you.
📲 Thinking about buying a home in California or moving out of state? Reach out, call, or DM me. We can start with a conversation and create a homebuying plan around your goals.
⭐ Clear Guidance. Confident Decisions.
🔖🏡 Save this post for later and share it with a friend who could use this tip! ✨
Roni Gonzalez
Sr. Mortgage Advisor
#268702
📞 (209) 914-0964

This isn't just about buying a house. It's about building your future 🏡
08/26/2026

This isn't just about buying a house. It's about building your future 🏡

The home loan benefit for veterans 🏡 Swipe to learn more!
08/24/2026

The home loan benefit for veterans 🏡 Swipe to learn more!

5.0 star review received on Experience.com for Roni Gonzalez by Wan S C - Roni was very patient with me when I had lots ...
08/21/2026

5.0 star review received on Experience.com for Roni Gonzalez by Wan S C - Roni was very patient with me when I had lots of questions as a first time buyer. She taught me a lot about the loan process and different types of loans and different ways loans can be packaged as well as how I can affect my interest rates. She always made time to speak with me after hours when I got off work and had questions or needed assistance. She is also very kind and friendly on top of being a consummate professional.

Read more: https://experience.com/reviews/roni-gonzalez-397724/2c500226-1532-4870-aa76-a4e62a1b9241?V=1787326067&utm_source=facebook&utm_medium=autopost&utm_content=13449266

Address

Tracy, CA
95376

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 5pm
Sunday 9am - 5pm

Website

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