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Matt was awarded Top 1% in the entire nation in 2015.  Out of over 200,000 loan officers in the nation, that is quite an accomplishment.
More Happy Clients!
A shot of happy First Time Home Buyers!
President's Club awards are issued to the top 40 loan officers at our bank.  Out of more than 1000, Matt has won this award 6 years in a row
Matthew is one of the very few Certified Mortgage Advisors in the nation
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Top Originator Award for 2025
Always working!
Matthew Falconer - Guaranteed Rate Affinity Real Estate Financing

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.

Website: grarate.com

Phone: (831) 435-9197

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  • Sat 9:00 AM - 5:00 PM

506 Bay Ave Capitola, CA 95010 ·2333.32 mi

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Reviews

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5.0 59 reviews
5 star
57 4 star
1 3 star
0 2 star
0 1 star
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Nani S. 07/10/18

As first time home buyers, the sheer idea of buying a house can be overwhelming. From day 1, Matt and his team were patient, thorough more than willing to help answer (and re-answer) all our...

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Charlotte K. 01/04/22

Matt helped make the most important (and what I thought would be the most complicated) purchase of my life easy and stress-free. Anything I was worried or confused about was resolved with...

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Fernanda C. 09/23/18

My husband and I had an exceptional experience working with Matt and rest of O2 team (shout out to Danny) to fund and close on our first home. Matt is very knowledgeable and a consummate...

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Marcus R. 11/28/17

I'll try to keep this short and sweet. Matt and his team from day one were as professional as it gets and had excellent customer service from beginning to end. Initially we chatted briefly on...

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Rachel S. 09/28/20

We are so glad we were referred to Matthew Falconer. He made the impossible happen and turned around our loan in record time. He was professional, genuine, and clearly an expert in his field. We...

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