1. Monterey Bay Mortgage

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Soquel, CA

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Monterey Bay Mortgage

4.5 (19 reviews)
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Review Highlights - Monterey Bay Mortgage

“I would highly recommend Forrest to anyone looking to purchase a home in California or Oregon!!”

Mentioned in 14 reviews

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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 : )

Monterey Bay Mortgage - mortgagebrokers - Updated October 2026

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