Matt Tepas

16616 https://prod.dxp.academymortgage.com/about-us/team/matt-tepas/detail

Loan Officer

NMLS #1402373

1500 41st Ave. 100, Capitola, CA 95010

I am licensed in: CA #CA-DBO1402373

Originally from Southern California, Matt has been a loan officer for over 6 years. Having worked at both high-end lenders and well-known names, he has developed a passion for helping individuals with their mortgage needs. Matt has a constant drive to perfect his craft outside of the office, Matt is.....

Apply Now Contact Me

Stop believing these mortgage myths

Mortgage myths can cost you—and even keep you from reaching your big-picture goals. Here are several worth rethinking.

Featured Loan Programs

For every unique situation, we offer a tailored solution

See more loan options

Conventional Loans

For homebuyers with good to great credit and money to put down, this is by far the most common type of home loan.

Learn more

FHA Loan

Even if you don’t have great credit and you lack the savings for a down payment, an FHA Loan offers a clear path to homeownership.

Learn more

VA Loan

Active-duty military members, veterans, or eligible family members can purchase a home without putting any money down.

Learn more

30+ years of mortgage experience, at your fingertips

Browse all resources

I want to

Getting started

Useful tips and practical advice to help get your homeownership journey started.

Credit score

Learn about what goes into your credit score and how it impacts your home loan.

Buying process

Get up to speed on everything from choosing a real estate agent to home inspections.

Down payment

Learn how much you need to put down as well as strategies for first-time homebuyers.

Loan education

Mortgage 101 for buyers who need help understanding their options.

Veterans

Learn more about the amazing benefits of a VA Loan and how to unlock them.

Insurance

Understand the basics of mortgage insurance and why you might need it.

Selling

Helpful guidance for homeowners thinking about or getting ready to sell.

Downsizing

Consider these important topics if you’re ready to move into a smaller space.

Home improvement

Tips for adding value to your home and how to finance renovations.

Refinancing

How to figure out when the time and situation is right to refinance your home.

Home equity

Learn more about how to take advantage of your home’s value.

Loan help

Get help with your My Mortgage app, including instructions for accessing, uploading, and signing documents.

Homebuying 101

Mortgage basics

Loan types

Mortgage trends

Get expert insights into the latest news about mortgage trends and how they impact you.

Housing market

Stay up to date on where the housing market is right now — and where it's heading.

Real estate agents

Expert mortgage advice so you can better service your existing clients — and attract new ones.

Industry professionals

If you're a mortgage professional, we'll help you stay on top of the latest products and trends.

Lifestyle

Advice, tips, and trends for beautifying —and enjoying — the place you call home.

Social impact

Get inspired to make an impact in your community — and around the world.

Culture

Inspire hope

Leadership & growth

Events

Mortgage news

Press releases

Industry news

New hires

National

Global

Kristi Pickering

203k

Renovation Loan

mortgage rates

All articles

Explore our full library of resources for homebuyers, homeowners, and industry professionals.

Browse resources

Lifestyle

How much should you have in your emergency fund?

What’s in your emergency fund? Here’s how much financial experts say you need to stay afloat.

Real estate agents

9 time-saving tools for real estate agents

Work smarter, not harder? These user-friendly tools for real estate agents make it possible.

Let's work together

I will always take the time to explain your options, answer any questions you may have, keep you informed, and guide you through every step of the mortgage process, from the beginning to closing.

Get in touch

Our Impact

Committed to inspiring hope in our own communities—and around the world

Explore our projects

Global

Paving the path to a better future

How Academy Mortgage is Inspiring Hope in a remote village in Ecuador.

4K

Hours of Expedition Service

615K

Miles Traveled by Academy Volunteers

70K

Meals Served

50+

Community Partners

Matt Tepas

Stop believing these mortgage myths

#1

54k

30+