What are the opening hours?

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

Roni Gonzalez, Sr. Mortgage Advisor - NMLS #268702

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United States
Tracy, CA
Roni Gonzalez, Sr. Mortgage Advisor - NMLS #268702

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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 individuals 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.

11/02/2026

Pick your emoji and follow it home 💚☀️☕🎉

11/01/2026

Happy November!

𝓑𝓵𝓮𝓼𝓼𝓲𝓷𝓰𝓼 𝓪𝓷𝓭 𝓖𝓻𝓪𝓽𝓲𝓽𝓾𝓭𝓮!

Roni Gonzalez ~ Sr. Mortgage Advisor
(209) 914-0964

10/31/2026

Halloween is here, and I have a very important question for you! 👻

We’ve been casting a vote 🎃🍬 Let’s settle the great Halloween candy debate!

Which candy deserves the #1 spot? 🏆

Here’s our current top contenders:

🍫 Reese’s Peanut Butter Cups
🍬 Snickers
🍫 Kit Kat
🍭 Twix
🎃 Or is there another favorite we need to include?

👇 Cast your vote in the comments! Let’s see which candy wins!

Wishing you and your family a fun, safe, and Happy Halloween! 🎃🏡

10/28/2026

Tell me your coffee order and I’ll tell you how you handle money. ☕💸

10/27/2026

A little insight to a fun morning at CVAR Manteca Council Sweets and Treats fundraiser. Raising funds for great causes and giving back to the community!

10/23/2026

Every eligible loan program and structure is worth a conversation while finding out the best individual options. Is an adjustable rate option (ARM) something you would consider? Comment below and let me know?

Roni Gonzalez
Sr. Home Loan Advisor
(209) 914-0964
NMLS #268702

When mortgage rates climb, buying a home can start to feel like trying to hit a moving target. Every jump in rates makes monthly payments bigger, and that pushes a lot of buyers to look for another way in.

10/21/2026

Let's talk about what really matters 🏠

10/20/2026

Yesterday was a great CVAR Bootcamp on Real Estate Disclosures and Insurance where industry professionals discussed how early disclosure review (NHD Reports) and insurance planning can help buyers and sellers make informed decisions.

A key takeaway: stay educated about our local market and work closely with your team - lending, disclosure, and insurance partners. Strong teamwork and timely communication can help clients prepare for risks and avoid surprises during a transaction.

Thank you to our presenters Jim Domingo Property ID Jill Guenza Rhoda Anderson and Phillip Anderson for providing such great education and valuable information!

CVARBootcampClassess

CVAR Professional Development Education Committee for arranging educational events for success!
Alvena Maryam Safar
Melissa Jimenez
Jamie Eger
Alvena Maryam Safar Melissa Jimenez 🗝 Broker | DRE #01916015 Jamie Eger

10/14/2026

The math is mathing!

10/09/2026

🏡 Self-Employed?

You May Have More Homebuying Options Than You Think!

One of the biggest misconceptions about getting a mortgage when you’re self-employed is that it’s harder to qualify.

The truth? It’s not necessarily harder, but how your income is calculated can be different.

Here are a few things worth knowing:

✅ Your tax returns matter. Traditional mortgage programs generally review your income after business expenses, not just your gross revenue. Those tax deductions that help reduce your taxes can also impact your qualifying income.

✅ You may not need two full years of self-employment. While two years is common, some loan programs allow shorter histories when certain requirements are met.

✅ Bank statement loans may be an option. Some alternative loan programs use qualifying deposits from personal or business bank statements rather than relying solely on tax-return income.

✅ You don’t automatically need 20% down. Depending on the loan program, your qualifications, and the property, lower down payment options may be available.

✅ Planning ahead can make a difference.

Understanding how lenders calculate your income BEFORE you start shopping can help you avoid surprises and identify the best financing strategy.

💡 Here’s what I want every self-employed buyer to know:

Don’t assume you can’t qualify based on what your tax returns show. Different loan programs evaluate income differently, and exploring those options can make a significant difference.
Your business is unique. Your mortgage strategy should be, too.

📩 Thinking about buying a home? Send me a DM or call me and let’s review your options before you start house hunting!

Roni Gonzalez, Sr. Home Loan Advisor
(209) 914-0964
NMLS 268702

BusinessOwners

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

https://s1l.com/loanofficer/roni-gonzalez/, http://linktr.ee/ronigonzalez_mortgageloans

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