Headshot of Matthew Falconer

Matthew Falconer

Branch Manager

Capitola, CA Mortgage Lender

NMLS #380797

4145 Clares Street, Suite F, 2nd Floor
Capitola, CA 95010
Contact Methods
tel Phone
mobile Mobile
(831) 435-9197
fax Fax


About Matthew

I’ve been in the lending industry for 20 years and know the value of trust cannot be overestimated. It must be earned through honest communication, consistent follow-through, transparency, and respect.

When we work together, my primary goal is to educate you about the home financing process so you are empowered with knowledge. I’m passionate about staying up to date with the latest mortgage and real estate trends. As a result, I’ll provide you with expert advice to help you select a smart mortgage solution from the wide range of products I offer, including conventional, jumbo, FHA, VA, and renovation.

From pre-approval to closing and beyond, I will make sure you always know what’s happening with your mortgage and make myself available to answer your questions along the way. I look forward to providing you with the customized loan experience and outstanding customer service you deserve.

At the heart of everything I do is my family. My wife and my kids — Maxwell, Grace, and William — are my number one source of motivation.

I’ve written a few articles recently, please check out these articles below!

Homeowners Insurance
Home EquityWhat Is a Home Equity Line of Credit (HELOC)?


  • Purchase and Refinance
  • Purchase
  • Refinance Loans
Equal Housing Opportunity

Tap into your
home equity - fast

Would you like to improve your home, pay off higher-interest debt, finance education, or pay for other major expenses? A home equity line of credit (HELOC) can provide the money you need using your home equity.

With CCM Equity Express, the process is fast, secure, and fully automated. Simply take 5 minutes to apply and get 100% of your loan amount in as few as 5 days.

The kitchen of a new homeowner

Buying now means saving later


Don’t fixate on rate

Get the home you want now. If rates fall in the future, you can refinance to the lower rate after 6 full payments. And, with a lender credit of up to $1,500*, you’ll save upfront and thousands down the line.

Contact Us
*For full terms and conditions, visit ccm.com/buynowrefilater.

Recent Posts and Articles


A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.

Helping your home financing process go smoothly.


  • The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

Quick Contact Form

Send me a message below or give me a call at 831-359-4430