1. Financial Solutions Home Loans

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Capitola, CA

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Financial Solutions Home Loans

5.0 (4 reviews)
Closed • 9:00 am - 5:00 pm

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Services - Financial Solutions Home Loans

Mortgage refinancing

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Jeri S.

Thank you so much! You two were great to work with! :-)-Brittni

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Monterey Bay Mortgage - Scott Goodrich NMLS 282973

Monterey Bay Mortgage

(19 reviews)

I am upset I gave this guy any business. He is rude, unresponsive and lazy. I don't know who is…read moregiving him any good reviews probably only his friends and family. I have never had to ask multiple times to get closing paperwork. So unprofessional. He is another person that doesn't want to do his job and takes forever to get anything done.

I bought my first home about 9 years ago, (2003), and got financing through Monterey Bay Mortgage,…read more(Forrest). Great experience, Forrest and his team made the process very easy. Not only is Forrest very knowledgeable, but also very freindly. So when I decided to to" refi" about two years later, (2005), I used Monterey Bay Mortgage & Forrest again. Another great experience. Fast forward to 2012. It came time to refinance again as the mortgage I had chosen was a 7 year adjustable. Due to the current economic conditions I was concerned that i may not qualify for a new mortgage ,or that my interest rate would adjust to a payment I couldn't afford, (even though my credit and income were still good). I was incredibly relieved to find out that the mortgage Forrest had gotten for me would be adjusting signifigantly downward, cutting my interest payment in half and applying much more of my payment toward principal. WHOOOOO! This is great, local service. Monterey Bay Mortgage, Forrest & his team demonstrate over & over that they want to have a continuing business relationship, not just a one time transaction. I also have to add that the staff are always very freindly. Every time i've called somebody pleasant answers the phone. When it comes time to refinance again I will be going straight to Monterey Bay Mortgage and Forrest. If i Could give 6 stars, (instead of the max. 5), I would, the experience has just been that good!!! Dave C.

Matthew Falconer - Guaranteed Rate Affinity

Matthew Falconer - Guaranteed Rate Affinity

(59 reviews)

As first time home buyers, the sheer idea of buying a house can be overwhelming. From day 1, Matt…read moreand his team were patient, thorough more than willing to help answer (and re-answer) all our novice questions. We left Matt's office confident that if/when we bought a home, O2 would be our lender. Then we found a house... It was a brand new build in Hollister, CA. The builder makes it seem like going with their lender is the only logical, economical choice because of the "credit" they give you towards your closing costs. Needless to say, we drank the kool-aid and signed on the (many) dotted lines. Matt was understanding and even offered to be a second pair of eyes if anything about the contract was confusing. What a guy! Fast forward 6.5 months, we are about to close, and I reach out to Matt jusssttt to make sure we're actually getting a decent deal. THIS CALL SAVED US $100,000. As it turns out, O2's rates were better, their fees were lower and the "credit" we thought we were getting is immediately erased by a fee they charge, so it's a total wash. Matt and his team worked round the clock to make sure we were still able to close on time, which we did. They were prompt, considerate and meticulous. My only regret is not going back to Matt and his team sooner. Whether you are a first-timer like us, or a seasoned home buyer, we HIGHLY RECOMMEND Matt Falconer, Danny Schaezlein and the team at 02 Mortgage. We are life-long customers!

Matt helped make the most important (and what I thought would be the most complicated) purchase of…read moremy life easy and stress-free. Anything I was worried or confused about was resolved with efficiency and care. Thank you Matt : )

Financial Solutions Home Loans - mortgagebrokers - Updated October 2026

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