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Roni Gonzalez

Branch Manager

Tracy, CA Mortgage Lender

NMLS #268702

672 West 11th Street, Suite 226
Tracy, CA 95376
Contact Methods
tel Phone
mobile Mobile
(209) 914-0964
fax Fax


About Roni

With over 25 years in the mortgage industry, I have the experience and knowledge to obtain the program that suits each client’s needs. I’ll guide you through the loan approval process, resulting in a transaction that closes quickly, seamlessly, and on time. I’m honored to be considered one of the Best of Tracy – based on my passion for my work, respect and care for clients, and overall concierge service I provide.

Whether you’re looking to finance or refinance your first home, your next home, or an investment property, I’m here to give you a guiding hand. I’ll provide excellent communication that instills confidence you are making the right choices for your future. I offer a wide range of products, including conventional, jumbo, FHA, and VA, which I’ll answer your questions about to ensure ease in your decision. Together, we’ll walk through the steps of your home financing journey.

Licensed in CA, AZ, NV, ID and TN


  • Purchase and Refinance
  • Purchase
  • Refinance Loans
Equal Housing Opportunity

Tap into your
home equity - fast

Would you like to improve your home, pay off higher-interest debt, finance education, or pay for other major expenses? A home equity line of credit (HELOC) can provide the money you need using your home equity.

With CCM Equity Express, the process is fast, secure, and fully automated. Simply take 5 minutes to apply and get 100% of your loan amount in as few as 5 days.

Emergency vehicles at scene, including two police cars and an ambulance

CCM Line of Duty
Death Benefit


Our exclusive Line of Duty Death Benefit is designed to provide financial protection to the families of first responders. This complimentary, one-time benefit cancels the balance of your mortgage, up to $525,000, should you fall in the line of duty. It’s our way of saying thank you.

Learn more

Recent Posts and Articles


Helping your home financing process go smoothly.


  • The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

Quick Contact Form

Send me a message below or give me a call at 209-360-0305