I'm Darlene.
Your Local
Mortgage Professional

Welcome to my website.

I have been in the mortgage industry for over 46 years. I am known in the community for being a trusted advisor. I treat every client as if they were family, and I match the product to the client.

We have several different products, and my specialty is being able to sit with my clients to give them many options that work best for them. I also let them know that I am here for them even after the loan funds. I answer my phone 7 days a week, and if you leave a message myself or a member of my team will get back to you as soon as possible.

My experience started back in 1978, working for a bank and moving into premier banking helping clients with managing their investments, as well as Buying homes and refinancing when needed.

I have worked with first time buyers, second home purchases and Investments purchases, including 1031-X changes. I have performed many inheritance buy-outs, assisting heirs in converting inherited properties into a new mortgage in their name.

I assist with Home Equity Lines of Credit and Construction loans. I specialize in 1-to-4-unit properties, but can also assist with over 5 units investment properties.

My team understands your needs in helping accomplish your personal goals. Keeping our clients informed along the way is the best help we can provide.

Please feel free to contact me for your mortgage needs on my cell (650) 504-6487 or email me at darlenegonzalez@directfundinginc.com

Darlene Gonzalez

Senior Loan Officer

NMLS# 483911

Contact Me
Darlene Gonzalez picture
205 Rockaway Beach Blvd. #3
Pacifica, CA 94044
(650) 504-6487

Getting Started is Easy


Mortgage Calculators

Calculate your mortgage payment, affordability & more


Loan Programs

Find out which loan program is right for you


Apply Now

Get pre-approved in minutes with our quick & easy app

Learn More About Mortgage News

Get insight on trending news and mortgage happenings with our weekly blog

Our Goal is to Help You find the right home

What our clients are saying

Get Answers to All your Mortgage Questions?

Committed to giving you all the support and guidance you need.

A conventional loan is a type of loan that doesn't have government backing or insurance, unlike FHA, VA, and USDA loans, which are insured by the government. Conventional mortgage loans, whether conforming or non-conforming, usually require a slightly larger down payment than some government loans. However, conventional loans offer more flexibility and fewer restrictions for borrowers, especially those borrowers with good credit and steady income.

Your credit payment history is recorded in a file or report. These files or reports are maintained and sold by "consumer reporting agencies" (CRAs). One type of CRA is commonly known as a credit bureau. You have a credit record on file at a credit bureau if you have ever applied for a credit or charge account, a personal loan, insurance, or a job. Your credit record contains information about your income, debts, and credit payment history. It also indicates whether you have been sued, arrested, or have filed for bankruptcy.

On a conventional mortgage, when your down payment is less than 20% of the purchase price of the home mortgage lenders usually require you get Private Mortgage Insurance (PMI) to protect them in case you default on your mortgage. Sometimes you may need to pay up to 1-year's worth of PMI premiums at closing which can cost several hundred dollars. The best way to avoid this extra expense is to make a 20% down payment, or ask about other loan program options.

It's generally a good time to refinance when mortgage rates are 2% lower than the current rate on your loan. It may be a viable option even if the interest rate difference is only 1% or less. Any reduction can trim your monthly mortgage payments. Example: Your payment, excluding taxes and insurance, would be about $770 on a $100,000 loan at 8.5%; if the rate were lowered to 7.5%, your payment would then be $700, now you're saving $70 per month. Your savings depends on your income, budget, loan amount, and interest rate changes. Your trusted lender can help you calculate your options.

An Appraisal is an estimate of a property's fair market value. It's a document generally required (depending on the loan program) by a lender before loan approval to ensure that the mortgage loan amount is not more than the value of the property. The Appraisal is performed by an "Appraiser" typically a state-licensed professional who is trained to render expert opinions concerning property values, its location, amenities, and physical conditions.

Contact Me

Darlene Gonzalez

Senior Loan Officer

NMLS# 483911

Darlene Gonzalez picture
Darlene Gonzalez picture
Darlene Gonzalez picture

Darlene Gonzalez

Senior Loan Officer

Direct Mortgage Funding | NMLS: 483911

Getting started is Quick & Easy

If you have any questions, I’m here for you