Joan Gonzalez   NMLS# 224434   State License TX# 224434

Joan Gonzalez
Mortgage Consultant

About Me

I’m Joan Gonzalez, and I have nearly 25 years of experience in the finance industry, with the last 13 years dedicated solely to mortgages. Industry leading service is always my top priority.
I work to ensure timely communications to all parties involved and am even available after hours. I would like nothing more than to help you get pre-approved to purchase the home of your dreams or refinance your current mortgage. Whether you’re purchasing your first home or an investment property, I have an array of competitively priced programs to fit your needs. Contact me today to learn more or to begin the mortgage process.

What I Want You to Know

From the first conversation onward, I review and evaluate my clients’ financial information and credit from an underwriter’s perspective to ensure they meet loan program guidelines and will close on the home of their dreams. I ask the important questions and review necessary financial documents at the start to ensure no surprises at closing. I have excellent problem solving capabilities, which helps tremendously when I need to address challenges with meeting program guidelines.
I am friendly, caring and knowledgeable with an eye for detail and an experienced team working with me.

What Sets Me Apart

Extensive experience, combined with my BA in Business Administration from Texas A&M University, gives me a broad range of knowledge that has served clients well. I view clients’ mortgages from different perspective, knowing that a home loan should fit comfortably into one’s overall financial picture. My business is 100% referral based, which is only possible when one knows the business and provides top notch customer service.

My Story

I grew up in Corpus Christi and have lived all over Texas. I fell in love with Austin in the late eighties and decided to make the move in 1994. The beautiful hill country and my love for the outdoors made for a perfect fit. I love nature and spend my time hiking, bike riding and visiting our wonderful state and national parks. Spending time with friends and family and my cat, Wilson, is a priority of mine. My charitable focuses are caring for our environment, recycling and animal welfare.

What My Clients Are Saying

  • "Joan was very helpful in guiding us through the mortgage loan process and ensuring that we had a good experience. She listened to our questions, provided quick and correct answers, and always followed through. She went out of her way to make sure the closing went smoothly."

    - Jason R.

  • "Joan was always there for me. She helped make the loan experience easy and was always responsive to questions / requirements. She explained everything well and worked on my behalf to get us the house. We took a while in getting a house, but she was with us the entire process and never lost her desire to help us out."

    - zuser20170119070239036

  • "Joan was great. She seemed to always make herself available for questions and even 6 months after the closing was still sending useful information. I first contacted her on a Sunday afternoon and she had information to me within the hour."

    - C. Schneider

  • "We recently used Joan to purchase a new home. She was with us from the moment it was just a thought in our mind. She started modeling loans for us to help us determine what price range to focus on and even responded on her days off to make sure we could get our offer on the table in time with a pre-qualification. Then when we found our loan and had a short closing period, due to the seller's ask, she and her team jumped through hoops to make it work. She worked her magic that allowed us to keep our existing properties as rentals and still qualify for the new loan. That was a miracle. This is the second time I have used Joan for a home purchase. My first time was 3 years ago. I wouldn't use anyone else!"

    - A. Hardy

  • "We weren't sure if we could qualify for a loan. Joan helped us navigate through the process and we were able to purchase a very nice house. It was a little challenging for us, but, she was sure we could do it and helped us all the way!"

    - J. Marbury

  • "We cannot say enough positive things about our lending experience with Joan. We were in a difficult situation, moving from New York to Texas due to a job change. Our credit had taken big hits due to 2 back to back severe illnesses. Joan was the most professional, extraordinary support to us. She was communicative every step of the way and she always made sure we were aware of every step of the process. She was speedy and so very efficient. Words cannot express how great she made our experience and we highly recommend her. I now consider her a friend after this process, and we are proud to recommend her."

    - Traci

  • "I wanted to add a Review of one of the most professional people in the finance business that I have met in 35+ years of financing residential homes. Whether it is the woman's viewpoint, or just her business attitude with a human touch, it is a rare commodity in this business all punctuated with numbers only. I only wish more finance people considered the applicant side, too. Young or older applicants Joan speaks finance "English" to better help the huge financial decisions being put in front of the applicant. One Major point is Joan offered to "lock" in the interest rate before a MAJOR Presidential election, whereas another Large Corporation response is that "we" don't do that! You can't normally go back on missed chances for clients, and she does not miss the boat from my perspective. I only wish she was over a larger Finance Corporation that wielded more responsibility for "Us" Applicants out there wading in the muck of Finance! I wish her the best of luck in future endeavors, and I much better off having worked with her, and her team!..Noted, I didn't go with Joan only because I went with the builder due additional funds the builder added on closing. I would always recommend Joan Gonzalez as the BEST Mortgage person in the business! She and her team are Empathetic, Knowledgeable, and always has the "lender's" interest at heart!"

    - cc5674

Most of all I am friendly, caring and knowledgeable with an eye for detail and an experienced team working with me.

Joan Gonzalez

Mortgage Consultant - On Q Financial

5914 W Courtyard Drive, Suite 150, Austin, TX 78730
View Map


Helpful Resources

View the On Q Blog for News and Updates

Visit the On Q Blog