About Matthew Falconer
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.
We can make it happen!
Down payment assistance
Overcoming the obstacle of a down payment is possible with grants and programs available from federal and local governments for homeownership.
Low down payment loans
As the initial home investment, we offer VA loans, FHA loans, and USDA loans which have 0-10% down payment requirements.
Veteran loans
Military service members and their families are in the unique position to build equity through real estate at a lower cost than typical homebuyers.
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Jumbo loans
You may consider this type if you plan to purchase a larger property or luxury home in high-end real estate markets.
Lock in your rate
Lock ‘N’ Roll: Lock in a mortgage rate for 60, 75, or 90 days without a signed contract. Secure a lower rate while house shopping with this program.
Accelerated timelines
Our Same-Day program facilitates you to get your loan approved in one day with options as little as 3% down.
Physician loans
Physician homes loan, can be an affordable option for medical professionals. Our program includes paid mortgage insurance and as little as 5% down.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
Mortgage Calculator
Get a sense of the costs of buying a home with our monthly mortgage calculator.
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*This is not a commitment to lend. Consumers are advised to obtain a Loan Estimate. Rates are subject to change and are dependent on credit and underwriting criteria.
Your actual rate, payment and costs could be higher. Guaranteed Rate Affinity, LLC cannot predict where rates will be in the future. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Guaranteed Rate Affinity, LLC for current rates and for more information. All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment,or legal advice or instruction. Guaranteed Rate Affinity, LLC does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Guaranteed Rate Affinity, LLC. Guaranteed Rate Affinity, LLC its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard.
Located at 506 Bay Ave, Office 1 Capitola CA, 95010