Matthew Falconer - Branch Manager / Loan Officer

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Matthew Falconer - Branch Manager / Loan Officer I am a Branch Manager at Guaranteed Rate Affinity
NMLS 380797 | GRA NMLS 1598647

Signed contracts slowed across the country in September, with pending home sales down 7.3% from the month before. As ris...
10/20/2026

Signed contracts slowed across the country in September, with pending home sales down 7.3% from the month before. As rising rates keep some buyers waiting, prepared buyers may find more options and less competition. Want to know how to make the most of this market?
https://myoc.io/rM8Bc/C9JFA



NMLS # 380797

10/19/2026

When it comes to evaluating a mortgage, there’s more to it than a single number. I’m here to help you understand all the moving parts and how they fit together to create a custom financial plan.

So, are you an interest rate expert? Let me know in the comments.
https://myoc.io/rM8Bc/Iu1Ln



NMLS # 380797

10/15/2026

Running multiple businesses, or juggling income that shifts by the month or the client? Standard income documentation doesn't always fit that. For eligible business owners, a current 12-month profit and loss statement (P&L) may offer a documentation path built for that kind of complexity.

If that sounds like your business, let's talk about your situation.
https://myoc.io/rM8Bc



NMLS # 380797

The latest housing data showed mixed results. Sales increased in the South and West regions, held steady in the Midwest ...
10/14/2026

The latest housing data showed mixed results. Sales increased in the South and West regions, held steady in the Midwest and declined in the Northeast compared to August. All four regions showed a year-over-year decline in sales, but many buyers are still entering contracts and available inventory is up to 1.60 million homes.

Let’s talk if you’re looking to head to the offer table with some serious leverage.
https://myoc.io/rM8Bc/RSHXr



NMLS # 380797

10/12/2026

Buying a home next year starts now. Use these tips to help you get a head start and reach out so we can map out a personalized path toward homeownership.

I’m here to help you evaluate the options to get you home in 2027.
https://myoc.io/rM8Bc/TeHLS



NMLS # 380797

10/08/2026

Beware of the maxed-out credit card monster. High credit card balances could increase your credit utilization, which may affect your credit score, and ultimately, your mortgage qualification.

When you’re approaching closing, watch your spending and avoid giving this homebuying horror anything else to feed on.
https://myoc.io/rM8Bc/Z6KI4



NMLS # 380797

10/06/2026

Your growing home wish list may be trying to tell you something. If home improvements are becoming part of your plan, your home equity may be able to help you fund those projects.

Let’s talk through your goals and the financing options worth exploring, like a Home Equity Line of Credit (HELOC).
https://myoc.io/rM8Bc/4rTDh



NMLS # 380797

10/05/2026

Last month, I hosted an appreciation event to celebrate a new chapter at Guaranteed Rate Affinity.

I’m incredibly grateful for the clients, real estate partners, family, and friends who have been part of my 25+ year journey in the mortgage business.

Thank you for your trust, support, and partnership over the years. I’m excited for what’s ahead!

NMLS # 380797

10/05/2026

When buying a home, knowledge is power. If you know the numbers, you can set yourself up for success from day one. That’s where a pre-approval comes in, giving you the direction you need to house-hunt with confidence.

I’m here to help you explore your options whenever you’re ready to take the first steps toward homeownership.
https://myoc.io/rM8Bc/xT7Pr



NMLS # 380797

10/01/2026

Buying a home isn’t one-size-fits-all. The truth is, the perfect time to buy looks different for everyone. Instead of trying to time the market, talk to me so we can start with your personal goals and financial outlook.

I can help you evaluate your situation against the market to find the timing that makes the most sense for you.
https://myoc.io/rM8Bc/sVsPX



NMLS # 380797

Address

510 Bay Avenue, Office 1
Santa Cruz, CA
95050

Opening Hours

Monday 9am - 5pm
6pm - 7pm
Tuesday 9am - 5pm
6pm - 7pm
Wednesday 9am - 5pm
6pm - 7pm
Thursday 9am - 5pm
6pm - 7pm
Friday 9am - 5pm
6pm - 7pm

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