Matthew Falconer is a 25-year mortgage professional helping homebuyers, self-employed borrowers, move-up buyers, and real estate investors secure financing throughout Santa Cruz County, the Greater Bay Area, Sacramento Tri-County Area, Sonoma County, and Monterey County. Specializing in Jumbo, Conventional, first-time buyer programs, buy-before-sell strategies, and investor loans, Matthew is known for helping clients navigate everything from first-time purchases to complex financing scenarios for high-net-worth and self-employed borrowers.


Over the course of his career, Matthew has helped approximately 1,000 clients achieve their homeownership and real estate investment goals. Since 2014, he has been recognized among the top 1% of mortgage professionals nationally—a distinction that reflects his experience, expertise, and consistent commitment to his clients.


Clients choose to work with Matthew because he brings more than 25 years of experience and a broad perspective to every transaction. He knows how to identify potential issues before they become problems, address challenges early, and structure financing strategically to help keep transactions on track. Whether a client has a complex tax return, unique income situation, or simply wants a clear path to homeownership, Matthew combines expert-level advice with straightforward, honest communication.


Known for his clear, concise, and responsive communication, Matthew believes the process starts well before an offer is made and continues long after the keys are handed over. He works closely with clients before, during, and after the purchase to make sure they understand their options and feel confident in every decision. Clients especially appreciate his ability to provide timely answers, anticipate challenges, and make complicated mortgage decisions easier to understand.


Outside of mortgage lending, Matthew has been married for 20 years and is a proud father of three. He has also dedicated significant time to his community, coaching numerous youth sports programs, serving as President of the Education Committee at a local Realtor association, and serving as a board member of Rotary.


If you're looking to buy a home, move up, invest in real estate, or explore financing options that fit your unique situation, Matthew Falconer is ready to help. Reach out today to start the conversation and build a financing strategy tailored to your goals.

Branch Manager

Matthew Falconer is your Capitola  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Matthew is committed to helping homeowners with home purchase loans and refinances. Contact Matthew at (831) 471-7742 for more information!

Matthew Falconer at Guaranteed Rate Affinity (NMLS #380797)

Capitola

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1 Loan Officer Capitola, CA