Home loans,
made human.

I'm Antonio, a loan officer who believes buying a home shouldn't feel like a test you didn't study for. I'll walk you through every step, answer every question, and be straight with you the whole way.

Start a conversation See loan options
Antonio Gonzalez smiling outdoors in a white button-up shirt
Backed by American Pacific Mortgage Local expertise, national strength

A little about me

I became a loan officer to be an advocate, not a salesperson.

Born and raised around Sacramento, I've watched friends and family talk themselves out of buying a home because the process felt confusing, expensive, or just out of reach. That's the gap I want to close.

My job is to translate the jargon, run the real numbers, and help you decide what actually makes sense for your life. Sometimes that means a loan today. Sometimes it means a six-month plan to get there. Either way, you'll leave every conversation with a clearer picture than you came in with.

Loan options

Find the path that fits.

Every situation is different. Here's where most of my clients start, and we'll tailor from there.

First-Time Buyers

Low down payment options, down payment assistance programs, and a step-by-step plan so your first purchase feels doable, not daunting.

  • As little as 3% down
  • Gift funds welcome
  • Credit coaching if you need it

VA Loans

You served. Let's make sure you get every benefit you've earned, with zero down payment and no monthly mortgage insurance.

  • 0% down payment
  • No PMI
  • Competitive rates for veterans and active duty

FHA Loans

Flexible credit requirements and a low down payment make FHA a great fit if you're rebuilding credit or short on savings.

  • As little as 3.5% down
  • Flexible credit guidelines
  • Great for first-time buyers

Refinancing

Lower your rate, shorten your term, or tap your equity. We'll run the numbers first so you know if it's actually worth it.

  • Rate & term refinance
  • Cash-out options
  • Honest break-even analysis

Client reviews

In their words.

“Antonio did an exceptional job! Since it was my first home purchase, he took the time to explain every step to me in Spanish and was always available to answer my questions. My situation needed a little more guidance because I didn't have a traditional income history, but Antonio looked into different options and found a way to help me buy my first home. He was patient, professional, and very dedicated throughout the entire process. I'm so grateful, and I definitely recommend him.”

Monica A. First-time homebuyer · Translated from Spanish

“Antonio helped us throughout the process of buying our first home. He was so communicative and was there for every question we had. We appreciate his consistent updates and are excited to continue working with him!”

Casee W. First-time homebuyer

“My experience with Antonio was amazing. He was very patient and professional, everything was quick and easy, and he helped me a lot to get approved.”

Rafael R. Homebuyer

Questions I hear a lot

You're not the only one wondering.

If your question isn't here, just ask. There are no dumb questions in this process, only ones no one explained yet.

Is now a bad time to buy?

Nobody can time the market, and waiting for “perfect” usually means waiting forever. What matters more is whether the payment fits your life right now. We'll run the actual numbers together, and if the answer is “not yet,” I'll tell you that too.

I don't have 20% saved. Can I still buy?

Yes. Twenty percent is a myth for most buyers. Conventional loans go as low as 3% down, FHA is 3.5%, and VA is 0%. There are also down payment assistance programs in California that many people don't know they qualify for.

My credit isn't great. Should I even apply?

Let's look at it together. FHA loans are flexible on credit, and sometimes a few targeted moves can raise your score faster than you'd think. I'd rather build a plan with you now than have you wait a year unnecessarily.

What does a pre-approval actually involve?

A short application, a credit check, and a few documents like pay stubs and bank statements. It usually takes a day or two, and it gives you a letter that shows sellers you're serious.

How much does it cost to work with you?

There's no cost to talk, get pre-approved, or ask questions. Loan costs are fully disclosed up front, in writing, before you commit to anything.

Let's talk

Tell me where you're at. I'll tell you what's possible.

Whether you're ready to buy next month or just curious what it would take, reach out. I reply the same business day.

No spam, no pressure. Just a reply from me.