Roni Gonzalez Team

The Dream For All Shared Appreciation Loan is a down payment assistance program for first-time homebuyers to be used in conjunction with the Dream For All Conventional first mortgage for down payment and/or closing costs.
Upon sale or transfer of the home, the homebuyer repays the original down payment loan, plus a share of the appreciation in the value of the home.
Registration will be open from February 24 to March 16, 2026.
Start preparing now.
Program Highlights
Offers up to 20% for down payment or closing costs, not to exceed $150,000
Homebuyer must register for a voucher. A randomized drawing will select registrants who will receive the voucher. This will not be first come, first served.
Eligibility
One borrower must be a first-generation homebuyer.
One borrower must be current resident of California.
All borrowers must be first-time homebuyers.
Income must meet CalHFA Income Limits for the county you are purchasing in.
Documents Needed
California Dream For All (DFA) Lender Pre-Approval Letter
Government ID: Passports, driver’s license, state-issued ID, military ID, permanent residence cards, visas or employment authorization documents
Foster care documentation (if applicable): Foster Care Verification Form/Letter or court documents
The DFA Voucher application will require information for both parents of the designated first-generation borrower(s) including:
Name
Date of birth
Date of death (if applicable)
Current address
Proof of parent relationship
Birth Certificate
Adoption papers
https://www.calhfa.ca.gov/dream/index.htm
Roni Gonzalez
Synergy One Lending
Sr. Mortgage Advisor
📲 (209) 914-0964
📨 [email protected]
📨 [email protected]

Today we honor Dr. Martin Luther King Jr. and the legacy of courage, service, and leadership he left behind. Reminding us that real change happens when we serve others and lead with integrity.
Wishing you a meaningful MLK Day filled with reflection and purpose. ✨
Roni Gonzalez
Synergy One Lending
Sr. Mortgage Advisor
📲 (209) 914-0964
📨 [email protected]
📨 [email protected]

Homeowners! Need extra holiday cash? 🎅 Your home’s got you. Get flexible funds when you need them with a home equity line of credit 💰🏠
Roni Gonzalez
Synergy One Lending
Sr. Mortgage Advisor
📲 (209) 914-0964
📨 [email protected]
📨 [email protected]

✨ Big news for homeowners and future buyers!
The FHFA just announced the 2026 Conforming Loan Limits, and higher limits mean increased buying power — plus new opportunities for those looking to refinance or take cash out using their home’s equity.

Whether you're planning to purchase, upgrade, or tap into your equity for financial goals, these new limits open the door to more flexible options and greater possibilities.

📲 Curious how the 2026 limits could benefit your plans? Call or DM me anytime. I’m here to guide you with clarity and confidence.

⭐ Clear Guidance. Confident Decisions.

💾 Save this post for later and share it with a friend who could use this tip! ✨

Roni Gonzalez
Synergy One Lending
Sr. Mortgage Advisor
📲 (209) 914-0964
📨 [email protected]
📨 [email protected]

Looking to sell your home? Sell with success! 🙌
👉Tip - Hire an experienced REALTOR® and take their advice!

Need a recommendation? Let me know, I work with some of the best! 😍🤩

Ever hear someone say “I needed this” and wonder what this actually is?
📲 For first-time homebuyers, it’s a financial planning app that finally makes saving, budgeting, and prepping for a mortgage make sense.
🏠 For homeowners, it’s tapping into a home equity line of credit to fund renovations, investments, or life goals.
🤝 And for realtors? It’s having a loan officer who actually gets their clients approved (and fast).
Whether you're buying, owning, or helping someone do both, I’ve got you!
Just send me a message 💬

Down Payment Assistance 101 🤓💰 Don't let down payment stand in your way of homeownership! There are many programs available (especially for first time homebuyers) that help cover the initial costs of buying a home. Not sure where to start? Take the first step by downloading the S1FinFit app. It’s perfect for anyone looking to take control of their finances and manage their homeownership goals in one place. Message me to get the app 📲

Don’t let these common myths hold you back from making the most of your home’s value 🤫 Understanding home equity can empower you to make informed financial decisions and take control of your future 🏡🔑 Share this with someone you know or tag them in the comments below! Have questions? Send me a message 💬

Credit Score 101 📊🤓 Credit score is an important factor when buying a home. It helps determine your creditworthiness for loan approval and interest rate. The higher the credit score, the easier it is to qualify for a mortgage. Let’s break down how it works!
➡️Payment History: This is the most significant factor. It includes your record of on-time payments, late payments, and any defaults or bankruptcies.
➡️Credit Utilization: This refers to the ratio of your current credit card balances to your credit limits. Lower utilization rates are better for your score.
➡️Length of Credit History: This considers the age of your oldest account, the age of your newest account, and the average age of all your accounts. A longer credit history can improve your score.
➡️Inquiries: This includes the number of recently opened accounts and the number of recent inquiries into your credit report. Opening many new accounts in a short period can negatively impact your score.
➡️Credit Mix: This looks at the variety of credit accounts you have, such as credit cards, mortgages, and installment loans. A diverse mix can be beneficial.
Message me to get the S1FinFit app and follow for more helpful mortgage content 🏡

We’ve redefined what a modern mortgage platform should be — and we’re just getting started 😎 Come see what Synergy One Lending is building, why top producers are making the move, and how you can level up!
🗓️Date: Wednesday, June 11th 🕒Time: 10AM PST📍Location: Zoom
✅ Register here: https://s1l.zoom.us/webinar/register/WN_4qKkjc_3RgW-1LHu64fhdg

3 Ways to Use Home Equity!
🛠️ Home Renovations
🎓 Level Up Your Career
💸 Invest in Your Future
Unlock your home’s potential with a home equity line of credit 🏠💰 Whatever your next big goal is, you’ll have the funds to get it done. Message me to learn more!