Roni Gonzalez

Roni Gonzalez

Roni Gonzalez

NMLS #268702
Sr. Loan Officer
Tracy Branch
2880 N. Tracy Blvd, Suite 2
Tracy, CA 95376

With over 16 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. This includes purchases and refinances for both individuals with a stellar credit score or those with credit challenges alike. As a specialist in the home financing industry, my experience includes years as a Loan Processor and Underwriter. With this foundation of training and hands-on experience gives me an advantage understanding knowing ahead of time what an Underwriter will need in order to achieve a smooth transaction. With this knowledge, I package and guide the loan through the approval process, resulting in a transaction that closes quickly, seamlessly and on time.

My personalized “Client Care” includes:
Educating Homebuyers or refinance Borrowers on:
Current rates and market conditions
Fees
Costs of the loan
Eliminating the “mystery” from their mortgage shopping
Provide a minimum of weekly updates on the transaction
Attend each of my client’s loan signings as a show of support and to put them at ease.

Purchasing a home, whether for the first time or the tenth, is always an exciting event. From the application stage through to the approval and closing, it is my goal to make sure you receive excellent service and are informed every step of the way.

Awards: Voted Tracy’s No. 1 Mortgage Professional, Tracy Press Democrat, 2015!! Diversified Capital President’s Club honoree 2012, 2013, 2014, 2015!

Please call me today!

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  • 209-914-0964
  • 209-914-0964
  • 209-879-0288
  • email

Melanie H.

"I highly recommend Roni Gonzalez at Diversified Capital. She has done amazing work for my clients, family and myself as well. I wouldn't trust anyone else to do my own loan. She will get the best rates possible, explain everything to you in words you understand, and coordinate with all for a smooth transaction. She goes above and beyond and on top of it all, is just an amazing person as well.”

Melanie H.

5.0
2016-04-14T02:41:25+00:00

Melanie H.

"I highly recommend Roni Gonzalez at Diversified Capital. She has done amazing work for my clients, family and myself as well. I wouldn't trust anyone else to do my own loan. She will get the best rates possible, explain everything to you in words you understand, and coordinate with all for a smooth transaction. She goes above and beyond and on top of it all, is just an amazing person as well.”

Charles Funcheon

Roni was helpful and very understanding of my needs. She was on top of my situation at all times. It was a pleasure working with her.

-Charles F.

5.0
2017-01-25T21:16:49+00:00

-Charles F.

Roni was helpful and very understanding of my needs. She was on top of my situation at all times. It was a pleasure working with her.

Melissa Palmer

The previous lender could not do this loan due to the property type. It was referred to Roni. She let us know upfront that she would do her best to process the loan and close within 17 days. She was able to deliver and save this deal.

When asked - Can you think of any ways we could improve our performance on the next transaction? -The level of professionalism, knowledge and the understanding of urgency with this transaction was outstanding!

-Melissa P.

5.0
2017-01-25T21:23:38+00:00

-Melissa P.

The previous lender could not do this loan due to the property type. It was referred to Roni. She let us know upfront that she would do her best to process the loan and close within 17 days. She was able to deliver and save this deal. When asked - Can you think of any ways we could improve our performance on the next transaction? -The level of professionalism, knowledge and the understanding of urgency with this transaction was outstanding!

Mary C.

I would highly recommend Roni Gonzalez at Diversified Capital Funding, and I would give her a rating of 55 if it were possible. This was a major step for me to take on my own since my Husband passed, but it felt like Roni was with me and holding my hand throughout the whole process as I purchased my new house. She was so friendly and caring right from the start, and that made me feel very comfortable and at ease. She lets you know what's happening every step of the way and everything went so smoothly. As far as I'm concerned she is amazing and she's the only person I would recommend to anyone needing funding.

-Mary C.

5.0
2019-04-25T16:09:58+00:00

-Mary C.

I would highly recommend Roni Gonzalez at Diversified Capital Funding, and I would give her a rating of 55 if it were possible. This was a major step for me to take on my own since my Husband passed, but it felt like Roni was with me and holding my hand throughout the whole process as I purchased my new house. She was so friendly and caring right from the start, and that made me feel very comfortable and at ease. She lets you know what's happening every step of the way and everything went so smoothly. As far as I'm concerned she is amazing and she's the only person I would recommend to anyone needing funding.

Keyon G

Roni Gonzalez over at Diversified Capital Funding was a huge help with helping me get into my first house! She was very organized and kept me updated with everything throughout the process which made getting a loan simple! I had a great experience working with Roni and will suggest her and Diversified Capital Funding to anyone I know looking to buy a house.

-Keyon G

5.0
2019-04-25T16:13:34+00:00

-Keyon G

Roni Gonzalez over at Diversified Capital Funding was a huge help with helping me get into my first house! She was very organized and kept me updated with everything throughout the process which made getting a loan simple! I had a great experience working with Roni and will suggest her and Diversified Capital Funding to anyone I know looking to buy a house.

Nadine Jack

I would highly recommend Roni Gonzalez for any funding needs. Roni is tremendously responsible and made the process painless. She got me a great rate and expedited closing in this competitive market. Roni is my lender for life!

-Nadine J.

5.0
2017-02-08T17:49:28+00:00

-Nadine J.

I would highly recommend Roni Gonzalez for any funding needs. Roni is tremendously responsible and made the process painless. She got me a great rate and expedited closing in this competitive market. Roni is my lender for life!

Laura Silva-Paul

My clients transaction was very very smooth. No stress. No delays. They were provided everything they were promised and more. Roni was patient, informative and delivered what she said she would. No empty promises. ONLY RESULTS. Thank you Roni!

-Laura Silva-Paulo, REALTOR
Got An Agent, Inc.

5.0
2016-07-28T17:39:18+00:00

-Laura Silva-Paulo, REALTOR
Got An Agent, Inc.

My clients transaction was very very smooth. No stress. No delays. They were provided everything they were promised and more. Roni was patient, informative and delivered what she said she would. No empty promises. ONLY RESULTS. Thank you Roni!

Amy Bernauer

Overall it was great working with Roni at Diversified Capital Funding. I would definitely do work with her again. Thank you Roni for your hard work!

-Amy B.

5.0
2016-07-28T17:43:13+00:00

-Amy B.

Overall it was great working with Roni at Diversified Capital Funding. I would definitely do work with her again. Thank you Roni for your hard work!

Jeffrey Mafnas

Moving my family from Tracy to Paso Robles. Roni had no direct working relationships with someone from that area, but through reaching out, was able to find us an excellent Realtor. Experience was excellent in that it involved timely, clear communication, caring for our personal situation, counsel on how home loans work and what to watch out for when we started looking for a home, expectations on what to expect and when to expect it, a great partner on a journey ending in our purchasing a piece of the American dream. Thank you Roni!

-Jeffrey M.

5.0
2016-07-28T17:47:08+00:00

-Jeffrey M.

Moving my family from Tracy to Paso Robles. Roni had no direct working relationships with someone from that area, but through reaching out, was able to find us an excellent Realtor. Experience was excellent in that it involved timely, clear communication, caring for our personal situation, counsel on how home loans work and what to watch out for when we started looking for a home, expectations on what to expect and when to expect it, a great partner on a journey ending in our purchasing a piece of the American dream. Thank you Roni!

Graciela Gutierrez

I appreciated the great communication, above and beyond... very important to me and my clients.

-Graciela Gutierrez, REALTOR
PMZ Real Estate

5.0
2016-07-28T17:50:43+00:00

-Graciela Gutierrez, REALTOR
PMZ Real Estate

I appreciated the great communication, above and beyond... very important to me and my clients.

Jennifer M.

"I wish I could give Roni more than 5 stars! If you are looking for someone to help you buy a new house, or refinance your existing home, RONI is the person for the job! She is amazing at what she does. She is very kind, patient, helpful, thorough, and able to get things done I didn't know were possible! She truly cares about her clients. Thanks Roni for everything!"

Jennifer M.

5.0
2016-06-23T17:04:49+00:00

Jennifer M.

"I wish I could give Roni more than 5 stars! If you are looking for someone to help you buy a new house, or refinance your existing home, RONI is the person for the job! She is amazing at what she does. She is very kind, patient, helpful, thorough, and able to get things done I didn't know were possible! She truly cares about her clients. Thanks Roni for everything!"

Karen J.

"How do I begin to express my gratitude for this amazing mortgage broker! I referred one of my young first time home buyer to Roni. She took the time to help them review their credit report gave them advice on how to raise their score and many months later never gave up on them. Finally when it was time to go house shopping these buyers were financially confident they could now afford their dream home. Roni was able to help these buyers through so many hurdles yet made the process seamless and smooth. I am always impressed with Roni and her knowledge and professional attitude!!"

Karen J.

5.0
2016-06-23T17:15:31+00:00

Karen J.

"How do I begin to express my gratitude for this amazing mortgage broker! I referred one of my young first time home buyer to Roni. She took the time to help them review their credit report gave them advice on how to raise their score and many months later never gave up on them. Finally when it was time to go house shopping these buyers were financially confident they could now afford their dream home. Roni was able to help these buyers through so many hurdles yet made the process seamless and smooth. I am always impressed with Roni and her knowledge and professional attitude!!"

Cami B.

Roni is THE best!  She helped us refinance our home and made the entire process easy and did it with amazing turnaround time.  She met us on a schedule that worked best for us, took the time to answer all of our questions (and we had a lot!), explained everything to us, and kept us updated throughout the entire process.  If you need a loan, or want to refinance, Roni is the one you need to call!

-Cami B.

5.0
2016-06-23T17:32:06+00:00

-Cami B.

Roni is THE best!  She helped us refinance our home and made the entire process easy and did it with amazing turnaround time.  She met us on a schedule that worked best for us, took the time to answer all of our questions (and we had a lot!), explained everything to us, and kept us updated throughout the entire process.  If you need a loan, or want to refinance, Roni is the one you need to call!

Robyn R.

If you need a home loan, Roni is the Professional to help you!  She is very helpful and honest.  Buying a home or refinancing can be scary, especially with all the documents that need to be signed.  Roni made sure that we understood everything that we were signing and wouldn't complete the process without us feeling 100% comfortable.  I highly recommend Roni for any mortgage needs.

-Robyn R.

5.0
2016-06-23T17:39:38+00:00

-Robyn R.

If you need a home loan, Roni is the Professional to help you!  She is very helpful and honest.  Buying a home or refinancing can be scary, especially with all the documents that need to be signed.  Roni made sure that we understood everything that we were signing and wouldn't complete the process without us feeling 100% comfortable.  I highly recommend Roni for any mortgage needs.
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