As first time home buyers, the sheer idea of buying a house can be overwhelming. From day 1, Matt and 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! read more

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

My husband and I had an exceptional experience working with Matt and rest of O2 team (shout out to Danny) to fund and close on our first home. Matt is very knowledgeable and a consummate professional. He encourages you to ask questions (no such thing as a dumb question during a process like this) to ensure you understand and feel comfortable with your decisions from the beginning to close. It took us 1 year from the start of our search in this challenging market and Matt stayed available throughout, he even had us come in to make sure we fully understood what we're financially capable of within our comforts to better focus our search. Lastly, Matt and team played a huge part in us being the winning offer, because of their agility and ability to close significantly faster than the standard 30 day terms. Highly recommend and will to our friends that are looking to purchase their first home. read more

I'll try to keep this short and sweet. Matt and his team from day one were as professional as it gets and had excellent customer service from beginning to end. Initially we chatted briefly on the phone and then came in for a consultation where Matt thoroughly explained to us our options. Prior to this we had sat down with a few other loan agents who for the most part plugged us into a generic way that their company likes doing things. In contrast, Matt treated us on an individual basis and tailored his strategy to fit our needs and serve us best, demonstrating his expertise and knowledge of the industry time and time again. Him and Danny both went above and beyond to see us threw the finish line and thanks to them we are now home owners! I will highly recommend Matt and O2 Mortgage without hesitation to our friends and family, and if you're in the market for a home make sure your first call is to Matt! read more

We are so glad we were referred to Matthew Falconer. He made the impossible happen and turned around our loan in record time. He was professional, genuine, and clearly an expert in his field. We really couldn't have asked for the entire process to go any better. We will definitely be recommending Matt for years to come! read more

Matt helped us purchase our home and was prompt in responding and answering each question with excellent clarity. He's well seasoned in his profession and is very knowledgeable. I appreciate that he was looking out for our best interest. He walked us through the entire process and kept us well informed through each step. It couldn't have gone any smoother. He's fantastic! Our family is now in our forever home with the help of Matt! Highly recommended. read more

I first encountered Matt when I found that my credit union was not offering a competitive rate for a home loan. My real estate agent recommended him and O2 mortgage because of their flexibility and excellent work. I had a fantastic experience working with Matt! He was always willing to go the extra mile to ensure that I felt respected and that my needs were met. With his help and advice, I was able to close on my first home, despite a rigorous timeline imposed by the seller and hefty requirements set by the underwriters. It was a low-stress experience for a huge life change, and I will always be grateful that Matt was the one on the job. I will be recommending him to everyone! read more

Was really pleased with the service that O2 provides. In particular Matt Falconer went above and beyond his role; making sure that my wife and I went into a loan that was affordable and within our budget. He was also a phone call away and replied back whenever I had bouts of trepidation. The paperwork process was smooth and the many parties involved were on the same page. Months later, he had contacted me again and helped me through a smooth process of a refinance. O2 mortgage is not just a one time thing and for that I'm appreciative. read more

Matt and his team were thorough in the underwriting process. When we had less than twenty-four hours to put an offer in front of a seller, they delivered. The O2 team put together more than four offers together for us, never did we hear any complaints about timing or requirements; we heard "good luck" and "we hope you get this one." Wonderful team, quick, thorough and passionate about what they do. read more

Matt was great! Was stuck with Wells Fargo dragging their feet with bidding deadlines looming. I had challenges due to short duration on 1099 income. Called Matt at 9 AM and told him it was urgent. He got me an approval by 2PM so I could bid. Thanks to Matt we will be moving in to a great new house in Scotts Valley, CA closing in 3 weeks. This would have not happened had it not been for Matt's aggressiveness in getting it done. If you need a mortgage fast go with Matt. read more

Myself and my spouse recently purchased a new home. It was our first time buying. Our experience with Matt was great. He answered all of our questions and even the ones we had asked before LOL. He was very helpful and made the process of buying a home a little less stressful. We would definitely use Matt again for our next purchase or refi:) If you are considering buying I would definitely go with Matt. Good Luck!! read more

Matt and his team did an amazing job helping me buy my dream duplex. In this market, time is of the essence. My situation was anything but standard: I own a number of businesses and my income is split up between, rental income , salaries and dividends. I needed a pre-approval in the afternoon the day before a major holiday. We got pre-approved on time and were able to submit the successful offer on the holiday. They patiently explained everything helped me through the process. Here I am 2 months after closing, having a question about the loan. Matt spend 30 minutes with me explaining everything...although his company has nothing to do with servicing my loan. Great customer service! I highly recommend them. read more

Matt is the gold standard in the lending industry. He is quick, responsive, and made the entire home loan process very smooth. Cheers to working with Matt! read more

Matt and Danny and the rest of the team we're awesome! I was a first time home buyer and didn't know what to expect. But Matt made the entire loan process simple and easy. This made my home buying experience less stressful and allowed me to continue my day to day life without feeling overwhelmed. I'd definitely recommend Matt and 02 Mortgage to anyone that is looking for a competitive home loan with excellent customer service and great communication! read more

I just finished up a refinance with Matt at TurnKey Mortgage. Matt did a great job with a refinance that presented all kinds of challenges and hurdles. Matt was able to seamlessly guild me through every step of the process. He did a great job anticipating issues and addressing them before they became insurmountable. Matt was always available to answer any questions that came up and constantly kept me informed. Of course in addition to the excellent service I got a great rate. I would highly recommend Matthew Falconer to handle your next refinance. read more

Matt and his team made our first home buying experience super easy !!. He explained options very clearly and we got much better service than going direct to a bank. HIGHLY RECOMMENDED. (Thank you Matt and Jamie @ O2 !!! ) Dave Cook read more

I have now worked with Matt many times, and he is hands down great. I have referred about 15 clients to him in the last year (I am a realtor). He really knows his stuff and clients love him. He also has a great team who gets the job done. He has been just awesome with all of my clients, and they have all given him rave reviews as well. read more

In April of 2017, my wife and I considered buying our own home, our landlord had just raised the rent by $500 per month. We thought, might as well buy now, our rent was close to a mortgage payment. We consulted with a friend in the real estate business and she recommended we see Matt Falconer at O2 Mortgage. I went in, sat with Matt and he was incredible. He asked me what I was looking for in terms of mortgage payment, he said.. you may qualify for a lot more than you borrow, but its more about what you are comfortable paying. He started working the numbers, showed the tax breaks we would get from owning the house and in the end, the monthly cost of owning vs renting was similar. A few months later, we made the decision to buy a home, and used O2 mortgage. Matt and Danny were great about keeping us informed on the process, would provide us almost daily updates on where the loan was, what needed to be done and more important, what challenges we may face and how to get by them. In today's market, sellers call the shots and want the simplest, cleanest loan - I wanted to use a VA Loan as they had better rates and 20% down wasn't mandatory. Once our offer was accepted, I asked my realtor and Matt if we could switch from conventional loan to a VA Loan, both thought it was good idea, we we changed gears. A few days later, the seller's agent informs us that they would not sign off on a VA Loan, that it wasn't as simple as the conventional loan we had stated we would use. Ok, so we stopped, regrouped and Matt offered to do the Conventional Loan and within 30 days of closing, we could switch over to VA Loan and that he would absorb some of the cost. One week into this, Matt and I were talking about the extra expenses that would result from doing a refi and he said, I just don't understand why we can't do both loans at the same time, do a VA Loan and Conventional Loan simultaneously - the buyer would be assured that if VA Loan wasn't funded, that we would use conventional loan. I got with my real estate agent and spoke to him about this, we had to get him on-board with this idea so that he could sell it to the sellers agent (keep in mind, they had already said No to changing loan types). After a few back and forth, the seller agreed to sign off on a VA Loan. One week into the loan process, a closing date 3 weeks away and now we start working on a VA Loan. Matt and O2 kicked it into high gear and had everything ready in 2 weeks, to include a new termite report. We signed all documents about 4 days before scheduled closing date and the process was as stress free as you could make it. Matt was/is a man of his word, if he said he would do something, he did. Another financial institute had a better VA rate and Matt said he would match it -- and HE DID. I cannot begin to say how much a person word means to me, contracts and documents are fine, but the true character of a person is his word and his integrity to honor it. Matt made the loan process very personal, not a transaction. He cared about our comfort level with the loan, worked the numbers to show me/us that loan would keep us at my desired range of comfort. He took the time to call me late in the evening to answer my questions, to put me at ease when I thought things were going bad. Matt overall was just awesome. The 5 stars ratings that have at O2 are not given, but earned. We have now been in our new home for two weeks. Looking back, I'm sure we could have purchased our home through another mortgage company, but I'm positive that the process would not have been as stress free and as simple as it was with O2. Thank you Matt, Danny and the rest of the behind the scenes people, you made a big difference in our home buying experience. read more

Matt took a very difficult experience and made it so much better. He is kind, professional, and honest. He kept me well informed about paperwork and made me feel like he was looking out for my best interests. Without his help, we would not have been able to get into the house we are in. Thank you Matt! read more

Matthew and his team did a great job! They are both polite and professional. To outbid other buyers contending for our dream house, we offered a very short time for close to the seller. Matthew tried his best to pull in the schedule and got everything ready as soon as possible. The loan worked out so smooth and we won the deal! In the bidding process Matthew also worked closely with our buyer agent to communicate with the listing agent, trying to get as much information for us. It's a fantastic experience working with Matt and O2 Mortgage! read more

It was smooth sailing with Matt and O2 Mortgage when we purchased our condo in the Bay area this summer. He is knowledgeable, responsive, and organized. With all the other things that can go wrong in a real estate transaction, it is reassuring to have a mortgage company that knows what is happening and keeps everything on track to the end. I highly recommend Matt. read more

Matthew and his team were very helpful and responsive to all of my questions. They were able to secure a loan for us very quickly and worked directly with our real estate agent to ensure all of the timelines were met. I am a first time home buyer and Matthew walked me through everything. Thanks Matthew and team! read more

Matt was professional, timely, informative about the loan process, responsive to all our questions, and enjoyable to work with. He offered a competitive rate and the process was simple and efficient. While other circumstances led to us not needing the loan in the end, he was very gracious and supportive throughout. I would highly recommend him! read more

Finding a great mortgage is so important. But working with someone that gives you confidence and calm at the same time is huge. Working with Matt Falconer and team gives you that and more. I highly recommend working with Matt, and happy home buying. read more

We recently purchased our first home and worked through Matt for our mortgage on the recommendation of our realtor. Matt was both professional and pleasant to work with. Our loan was more complicated because we were only doing a 10% down, which required a little creativity, so there was a more paperwork than normal. I'm reluctant to sign anything that I don't understand, but thankfully, Matt was happy to answer all my questions and I walked away from the whole processes feeling confident. Matt also worked quickly. This was important because offer ended up head-to-head against an all-cash offer, and the only reason we were even considered is that Matt can turn around loans quickly. We got the offer, he worked magic, and we went from offer to close in 15 days. It was exactly what we needed. Also, probably the most sincere praise that I can give, is that thanks to the bay area market being so hot, we now have the equity that we need to refi into a traditional loan. You can guess who we're going to go to for the refi. :) read more

Matt has been an indispensable resource to my real estate business over the years. He's extremely thorough in examining all the potential loan products that might work for his clients, to ensure they get the best possible deal. He helps buyers get their offer accepted by calling the listing agents to discuss the strength of the their financing. He stays closely integrated with the escrow process to keep everything on track, even when there are delays or challenges. And he attends the sign-off meetings to answer any questions the buyers might have at close. I don't know of any other lenders that go above and beyond like Matt does to make sure his clients have the smoothest purchase and escrow process possible. He's one of a kind, and I appreciate him very much! read more

Matt is very pro-active and forward-thinking, and that, to me, is vital when working with a mortgage lender. Matt took the time to understand where we were at, make sure everything was done accurately, and was quick to move the process along. The refinance we did with Matt not long after our original mortgage saved us thousands, and he proactively started that process with us. That shows me he looks at the market and is aware of his clients. Highly recommend. read more

Matt and Danny were very helpful in helping me getting a loan. I did not have much time in the fast Bay Area market as our first offer was accepted. But Matt helped me close the loan in time at a reasonable rate. read more

We love Matt @ O2 Mortgage! Initially my husband and I sat down with Matt to see what we qualified for. We didn't think we would qualify for much of anything, but Matt showed us what to do and how to do it to get to get the numbers where they needed to be. He was very knowledgeable, professional and accommodating to our needs. He worked with us throughout our searching and once we landed on our townhouse, he took us through a smooth 21 day escrow without any hiccups! I have been and will continue to refer Matt and O2 Mortage to my family and friends. THANK YOU, THANK YOU, THANK YOU! read more

We just finished our refinance with Matt's guidance and had a great experience. I feel like I got the best deal possible and like I was helped through the process, not sold on a contract. Matt provided many different rate and term options with clear, patient explanations of the details of each. What stood out to me most was the availability and responsiveness of Matt and his team. I would definitely recommend Matt and Turnkey to anyone refinancing or purchasing a home. read more

Matt and his entire team at O2 Mortgage made the entire process simple, quick and the least painful mortgage (new or refi) experience that i've ever had. Both he and his team with quick to reply to all my questions either via email or phone. They were able to explain everything that was happening during the loan process in simple and easy to understand terms. Thanks Matt, Danny and the entire O2 team! read more

Matt was wonderful to work with! We are first time homeowners and he explained everything really well for us and we felt comfortable throughout the loan issuing process. He is really friendly, available and thorough. He was always in contact with us, to make sure that everything progressed as according to plan. We highly recommend him! read more

We can't thank Matt Falconer and his awesome team for walking us through the Home Buying process and making everything run so smoothly! He made sure we understood everything and was very detailed on everything, we definitely know who to go to when purchasing our next home! read more

Matt is excellent!!! Recently I was dealing with multiple complications and conditions for a home loan approval with another bank and with only 1 week remaining in escrow I was denied my loan amount. I thought I would lose the entire transaction. Matt came highly recommended as the best. Matt was able to smoothly transition my file and easily complete the deal under such time constraints and restrictions. His knowledge and skill are unparalleled to any other Mortgage Broker I have ever worked with in the past. Matt exceeded my expectations and I absolutely would recommend him to anyone. I highly respect Matt and and I wouldn't use any one else in any of my future real estate transactions. read more

Matt helped us find a mortgage package that worked for us not just once but twice - when we bought our first home in 2014 and when we refinanced in 2015. We were able to purchase a home better than we thought we could and we were able to get the mortgage we wanted thanks to Matt. He is a really nice guy and very responsive. Don't waste your time talking to a bank. read more

I had a wonderful experience with Matt and his team. During the process of closing on my home, I was constantly kept in the loop about where I stood and what was expected of myself and the seller. If I had any questions, he and his team were quick to respond. I would highly recommend! read more

Everything about our buying process was potentially problematic from the get go. We were first time buyers that did not know the common pitfalls of purchasing a home and were under some time constraints to make a rent or buy decision in a very short period of time. Matt was our Sherpa from the very beginning. I had met with many other people to start to ask what I thought were the right questions as a potential buyer. Once I met with Matt and he outlined the entire process, with all options based on our financial status, and methodically laid out all of the key decision points. He gave his recommendations, providing pros and cons, and most importantly pointed out the gotchya's that I never would have thought to ask. Our loan cycle was extremely fast, as it had to be, and from my perspective, smooth as silk. After asking other friends and professionals in the real estate industry what the typical experience is, I was happy to confirm that choosing Matt was the best decision we could have made to help us in purchasing our home. read more

Matt and Danny helped us get the mortgage we were looking for and were very proactive and reactive throughout the process. We got very quick responses for any questions we had or situations that needed attending. I would definitely recommend Matt and Danny and will turn to them again in the future! read more

I have worked with Matt on several mortgages over the past six years. He is an absolute professional and I have recommended him to all of my friends and family. His experience navigating the complex home lending field is invaluable. He is extremely responsive and diligent. His team is top notch. read more

Matt Falconer recently helped my husband and I refinance our house in Petaluma. We wanted a 15 year mortgage but were not successful in our previous attempt with another broker so we were a bit Pessimistic about trying it again. Then we talked to Matt. His knowledge and years of experience was the key in making our 15 year mortgage a reality. Matt went above and beyond to meet our needs and kept us very informed along the way which made the process easy. I highly recommend Matt and O2 Mortgage to anyone who is looking for a stellar team to work with. Thank you Matt. You are amazing at helping people make their dreams become a reality. Sincerely, The Williams Family read more