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Your Local CrossCountry Mortgage Loan Officer

Matthew Falconer

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  • Originating Branch Manager
  • Capitola, CA Mortgage Loan Officer
  • NMLS #380797
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I’ll be with you every step of the way

Hi, I’m Matthew! I’m proud to serve Capitola, CA, as a part of America’s #1 Retail Mortgage Lender, helping families achieve their homeownership goals. I’ve been in the mortgage industry for 20 years and know the value of trust. It must be earned through honest communication, consistent follow-through, and respect.

When we work together, my goal is to educate you about the home financing process so you feel empowered with knowledge. I stay up to date with the latest mortgage trends to provide expert advice on products like conventional, jumbo, FHA, VA, and renovation loans.

From pre-approval to closing and beyond, I’ll make sure you always know what’s happening with your mortgage and be available to answer any questions. I’m committed to providing you with the customized loan experience and 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 motivation.

Woman researching loan officers to find the right financing parter

Your Mortgage Expert

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with CrossCountry Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your mortgage lender of choice for years to come. 

How much will my mortgage payment be?  

This calculator is being provided for educational purposes only. The results are estimates based on information you provided and may not reflect CrossCountry Mortgage, LLC product terms. The information cannot be used by CrossCountry Mortgage, LLC to determine a customer’s eligibility for a specific product or service.

A family plays together peacefully knowing they found the best option to help them reach financial wellness.

Financial Wellness Can Be Yours

Imagine life without credit card debt, with medical expenses taken care of, or with extra funds to make large purchases. Peaceful, isn’t it? 

Our home equity programs can help you achieve that dream. These include: 

  • Closed End Second Loan 
  • Home Equity Line of Credit (HELOC) 
  • Cash-Out Refinance 

Your equity may be the key to greater financial wellness. Let’s see what doors our home loans can open for you today. 

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Frequently asked questions

  • Refinancing costs typically range from 2% to 6% of the loan amount and include fees such as appraisal, title insurance, and closing costs. Factors like your loan type, location, and credit score can significantly impact these expenses. Our team can help to provide strategies that can help minimize costs.

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