Primary location
50 Iron Point CirFolsom, CA 95630
Mortgage Loan Officer
Dan Gonzalez
Mortgage Loan Officer
NMLS# 508755
916-498-3402
Connect with Dan
-
Dan.Gonzalez@usbank.com
- 916-498-3402
- 916-837-4531
-
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
ApplyAbout me
No matter where you are in the home buying process, I can help.
- As a Mortgage Loan Officer right here in Folsom, I work with you to help you find the right mortgage for your unique situation.
- You probably have lots of questions. How much house can I really afford? Which type of mortgage best fits my needs? I can help you answer questions like that and I've worked with lots of people in and around Folsom with home financing needs similar to yours.
I'm proud to work for a reputable bank like U.S. Bank, and you can trust me to do what's right for you. So give me a call at 916-498-3402.
Certifications
- Certified Construction Mortgage Loan Officer
- Private Wealth Mortgage Banker
Folsom, CA 95630
Connect with Dan
-
Dan.Gonzalez@usbank.com
-
916-498-3402
-
916-837-4531
-
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
ApplyExplore more
Resources for builders and realtors
You need a lender that cares about your clients as much as you do.
Today's mortgage rates in California.
The mortgage rates shown below assume a few basic things, including:
- You have very good credit (a FICO® Score of 740+) and a specific down payment amount for your loan type.1
- Your loan is for a single-family home as your primary residence.
- You will purchase up to one mortgage discount point in exchange for a lower interest rate. Connect with your mortgage loan officer to learn more about mortgage points.
Rates are current as of 05/30/2025.
See rates for other states.
Compare current mortgage rates.
Conventional fixed-rate mortgages
| 30-year fixed | 6.625% | 6.796% | $2,971 | 0.876 |
|---|---|---|---|---|
| 20-year fixed | 6.375% | 6.58% | $3,425 | 0.747 |
| 15-year fixed | 5.875% | 6.162% | $3,884 | 0.958 |
| 10-year fixed | 5.625% | 6.029% | $5,064 | 0.956 |
Conforming adjustable-rate mortgages
| 10/6 mo | 7.375% | 7.486% | $3,205 | 1.377 |
|---|---|---|---|---|
| 7/6 mo | 6.25% | 6.78% | $2,857 | 0.896 |
Jumbo adjustable-rate mortgages
| 10/1 yr | 6.25% | 6.632% | $5,788 | 0.920 |
|---|---|---|---|---|
| 7/1 yr | 6.125% | 6.659% | $5,712 | 0.930 |
| 5/1 yr | 6.25% | 6.78% | $5,788 | 0.740 |
FHA mortgages
| 30-year fixed - FHA | 6.25% | 7.138% | $1,784 | 0.833 |
|---|
VA mortgages
| 30-year fixed - VA | 6.25% | 6.598% | $1,660 | 0.608 |
|---|
Jumbo mortgages
| 30-year fixed - jumbo | 6.875% | 7.033% | $6,175 | 0.720 |
|---|---|---|---|---|
| 20-year fixed - jumbo | 7.0% | 7.233% | $7,288 | 0.920 |
| 15-year fixed - jumbo | 6.75% | 7.002% | $8,318 | 0.700 |
Dan Gonzalez
Mortgage Loan Officer
NMLS# 508755
916-498-3402
- Dan.Gonzalez@usbank.com
916-498-3402
-
916-837-4531
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
ApplyToday's refinance rates in California.
The mortgage rates shown below assume a few basic things, including:
- You have very good credit (a FICO® Score of 740+) and a specific amount of equity for your loan type.1
- Your loan is for a single-family home as your primary residence.
- You will purchase up to one mortgage discount point in exchange for a lower interest rate. Connect with your mortgage loan officer to learn more about mortgage points.
Rates are current as of 05/30/2025.
See rates for other states.
Compare current refinance rates.
Conventional fixed-rate refinance loans
| 30-year fixed | 6.875% | 7.01% | $3,048 | 0.495 |
|---|---|---|---|---|
| 20-year fixed | 6.5% | 6.711% | $3,459 | 0.785 |
| 15-year fixed | 5.99% | 6.236% | $3,913 | 0.694 |
| 10-year fixed | 5.75% | 6.108% | $5,093 | 0.746 |
Conforming adjustable-rate refinance loans
| 10/6 mo | 7.375% | 7.539% | $3,205 | 1.877 |
|---|---|---|---|---|
| 7/6 mo | 6.5% | 6.917% | $2,933 | 0.961 |
Jumbo adjustable-rate refinance loans
| 10/1 Jumbo | 6.375% | 6.691% | $5,864 | 0.670 |
|---|---|---|---|---|
| 7/1 Jumbo | 6.25% | 6.7% | $5,788 | 0.680 |
| 5/1 Jumbo | 6.25% | 6.793% | $5,788 | 0.865 |
FHA refinance loans
| 30-year fixed - FHA | 6.25% | 7.151% | $1,784 | 0.958 |
|---|
VA refinance loans
| 30-year fixed - VA | 6.25% | 6.611% | $1,660 | 0.733 |
|---|
Jumbo refinance loans
| 30-year fixed - jumbo | 6.875% | 7.045% | $6,175 | 0.845 |
|---|---|---|---|---|
| 20-year fixed - jumbo | 7.125% | 7.326% | $7,359 | 0.670 |
| 15-year fixed - jumbo | 6.75% | 7.023% | $8,318 | 0.825 |
Dan Gonzalez
Mortgage Loan Officer
NMLS# 508755
916-498-3402
- Dan.Gonzalez@usbank.com
916-498-3402
-
916-837-4531
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
ApplyMortgage calculator
Use our mortgage calculator to help you better understand your home financing options.
Dan Gonzalez
Mortgage Loan Officer
NMLS# 508755
916-498-3402
- Dan.Gonzalez@usbank.com
916-498-3402
-
916-837-4531
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
ApplyReviews
May 22, 2025
We had the pleasure of working with Dan on our loan. He was incredibly responsive, knowledgeable, helpful, and kind. He really had our best interest at heart and helped us secure our loan for our dream home. He was also extremely quick at getting everything turned around in his end, and it took less than 3 weeks between making the offer and closing. We highly recommend Dan to all. He is truly the best and we are so lucky to have had him help us navigate this unfamiliar process.
May 19, 2025
Dan was so flexible in working through our loan, we had complexities with selling our house at the same time and he was super responsive every step of the way
May 7, 2025
Dan did a fantastic job on helping us with the process of buying a new home. He was very informative and helpful throughout the whole process. He kept us updated with everything and if we had any questions he always had all the right answers for us, he kept us aligned and on track throughout the whole process. He went above and beyond to help us, and really made the process much easier. Thanks Dan for all your help! You are great!
Apr 29, 2025
Dan was incredible to work with! From start to finish he was friendly, professional, responsive, knowledgeable, and clear. He truly made the entire process smooth and efficient. I can't think of a single thing he could have done better. Highly recommend!
Dan Gonzalez
Mortgage Loan Officer
NMLS# 508755
916-498-3402
- Dan.Gonzalez@usbank.com
916-498-3402
-
916-837-4531
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
ApplyMortgage FAQ
Get answers to your questions regarding home financing, refinancing and more.
FHA loans
AFederal Housing Administration (FHA) loanis a government-backed loan that’s insured by the Federal Housing Administration. FHA loans typically have lower credit and down payment requirements for qualified home buyers. For example, the minimum required down payment for an FHA loan is only 3.5% of the purchase price.
If you’ve decided aFederal Housing Administration (FHA) loanmay be right for you and you meet the established guidelines, including, but not limited to:
- Down payment amount: – FHA loans require a minimum down payment of 3.5%.
- Credit score: – FHA loans typically have lower credit requirements than many traditional loans.
- Property requirements: – The home must be used as your primary residence and must meet safety, security and soundness standards, meaning the property shouldn’t have any structural defects. An FHA-approved appraiser must appraise the home.
You canstart your applicationon your own, or with the help of your mortgage loan officer, who can work with you to see if you qualify for a FHA loan.
Federal Housing Administration (FHA) loansare available to all qualified buyers, regardless of income level. They often have more flexible lending requirements than conventional loans. All FHA loans require mortgage insurance which protects the lender against any loss if mortgage payments are missed. To learn more about how FHA loans work, speak with your mortgage loan officer.
VA loans
A Veterans Affairs (VA) loan is a home mortgage that’s backed by the Department of Veterans Affairs. To be eligible for a VA loan, you must be an active-duty service member, veteran or eligible surviving spouse. A VA home loan requires little or no money down at closing, and even with no down payment, mortgage insurance is not required.
Veterans Affairs (VA) loans are available to active-duty service members, veterans and eligible surviving spouses. A Certificate of Eligibility from the VA is required to show whether you qualify based on your service history and duty status. Your mortgage loan officer will work with you to obtain the Certificate of Eligibility and can help you better understand how VA loans work.
Veterans Affairs (VA) loans are available to active-duty service members and veterans who have served at least 90 days of consecutive service during wartime or 181 days during peacetime. National Guard members and reservists are eligible for a VA loan after six years of service or 181 days of active-duty service. Eligible surviving spouses may also qualify. For more information on how to apply for a VA home loan, contact your mortgage loan officer.
There are several ways active-duty service members, veterans and eligible surviving spouses can take advantage of a Veterans Affairs (VA) loan more than once. Here are some ways you may be eligible for another VA loan:
- Purchase a home with a VA loan and then sell it to buy another home with a new VA loan.
- Refinance an existing VA loan into another.
- Have two VA loans for two different homes at the same time.
For more information on VA loans, speak with your mortgage loan officer.
Conventional fixed-rate loans
A fixed-rate loan is one of the most common types of home loans. Benefits include a consistent rate, predictable monthly principal and interest payments and a flexible down payment. If you meet the U.S. Bank credit score and debt-to-income ratio (the ratio of total monthly debt payments – not including utilities, cell phone or cable service – compared to gross monthly income) requirements, a conventional fixed-rate loan may be a good option for you.
A fixed-rate loan is a type of loan that comes with an interest rate that won't change for the life of the loan. Check out today’s rates for a conventional fixed-rate loan or compare mortgage rates for a variety of loan options. Connect with your mortgage loan officer to learn more about how fixed-rate loans work.
Monthly principal and interest payments on a conventional fixed-rate mortgage remain the same for the life of the loan, making it an attractive option for those who plan to stay in their home for several years. With an adjustable-rate mortgage (ARM) the interest rate may change periodically, based on a pre-determined index – for example, the U.S. Treasury – and margin set by the bank. The initial interest rate is fixed for a set period of five, seven or 10 years depending on the loan product, and then becomes variable. An increase or decrease depends on the market conditions at the time of the conversion to the variable rate and during the adjustment period thereafter. This may be a good option for those who plan on moving within a few years. Consider the benefits of each to determine which makes the most sense for your situation.
Jumbo loans
A jumbo loan is for single-family homes with loan amounts greater than $806,500. In certain high cost areas, such as Alaska and Hawaii, the loan amount must be greater than $1,209,750. To qualify for a jumbo mortgage loan, you must meet the established guidelines for credit score, income and other personal financial information.
Jumbo loans are mortgages that exceed conforming loan limits. The limit on conforming loans is $806,500 in most areas of the country, but jumbo mortgages can exceed these limits. The limit can be as high as $1,209,750 in certain high cost areas, including Alaska and Hawaii.
A VA jumbo loan is a Veterans Affairs (VA) loan that exceeds the conforming loan limit of $806,500 and up to $1,209,750 in high-cost areas such as Alaska and Hawaii. If you’re an active-duty service member, veteran or eligible surviving spouse, and you meet the income and credit requirements, a VA jumbo loan could be an option for you.
ARM loans
An adjustable-rate mortgage (ARM) is a home loan that has an initial fixed-rate period of five, seven or 10 years and an adjustable rate after the fixed-rate period ends. After the introductory rate term expires, the estimated payment and rate may change. An increase or decrease depends on the market conditions at the time of the conversion to the variable rate and during the adjustment period thereafter. An ARM loan could be a good option if you plan to sell within a few years.
With an (ARM) loan the initial interest rate is fixed for a set period and then becomes variable, adjusting periodically for the remaining life of the loan based on market conditions. For example, a jumbo 10/1 ARM has a fixed rate for the first 10 years and an adjustable rate for the remaining duration of the loan, adjusting every year. A 7/6 ARM has a fixed rate for the first seven years and an adjustable rate for the remainder of the loan, adjusting every six months. To learn more about how ARM loans work, connect with your mortgage loan officer.
Yes, an existing ARM loan can be refinanced upon credit approval. The benefits of refinancing a mortgage , may include replacing the terms of your current loan with terms that are more favorable for you, lowering monthly payments, getting access to cash for major purchases and reducing your interest rate. Your mortgage loan officer can help you find the right choice for your needs.
Dan Gonzalez
Mortgage Loan Officer
NMLS# 508755
916-498-3402
- Dan.Gonzalez@usbank.com
916-498-3402
-
916-837-4531
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
Apply
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