Matt Mayo | United American Mortgage
Find the Right Loan. Build Real Wealth. Feel Confident Every Step of the Way.
I'm Matt Mayo, a mortgage broker with access to 150+ lenders — so you get options others won't show you, and a plan that actually fits your life.
Buying a Home Shouldn't Feel This Confusing.
Between conflicting advice online, lenders who treat you like a file number, and loan products you didn't even know existed — it's easy to feel lost. Most borrowers settle for whatever their bank offers because they don't know there's a better way.
A Mortgage Broker Who Actually Works for You.
As a mortgage broker, I'm not tied to one bank. I shop across 150+ lending partners to find the loan that fits your situation — not the other way around. And I'll walk you through every step so you feel informed, not overwhelmed.
Consultation
We talk about your goals
Strategy
I build a tailored plan
Options
You choose from the best
Closing
I guide you to the finish
Why Clients Choose Matt
It's not just about finding a loan — it's about finding the right loan with someone who genuinely cares about your outcome.
More Options, Better Fit
With 150+ lenders, I can find creative solutions that traditional banks miss — including programs for self-employed borrowers, investors, and veterans.
Clarity Over Confusion
No jargon. No pressure. I break down your options in plain English so you can make the best decision for your family and your future.
A Partner, Not a Salesperson
I'm here before, during, and after closing. My goal isn't just to get you a loan — it's to help you build long-term wealth through real estate.
What Clients Are Saying
Real stories from real people I've had the privilege of helping.
"We were recommended to Matt from our realtor, we shopped around a little for another Broker and QUICKLY learned Matt was the way to go. He is thorough, incredibly intelligent while still being patient and guiding us (first home buyers) through the WHOLE process. He went above and beyond to answer all of our questions via texts, phone calls and emails. Matt made this process less daunting and actually made it feel.. easy? I would recommend ALL of my friends and family to use Matt for any of their mortgage needs!!!"
sylvia magos
6 months ago
"My husband and I were first time home buyer and Matt Mayo helped us with our loan and secured it less than 21 days. He was able to explain to us in a simple term that helped us understand and navigate the mortgage world. Matt made it simple enough for us to understand the process. He took care of our money like it was his and provided good strategy how to best use it in this inflationary market. What unique about him is that he genuinely care about you and will work hard in his ability. We enjoyed working with him and that is why we went with him over 5+ mortgage brokers we interviewed. Thank you so much Matt and I know you will always be a phone call away."
Rina Rodil
6 months ago
"Pleasure to work with. Very helpful and responsive with any questions I have. He is professional and caring. As a third time returning client, I would recommend his services to anyone."
Virgil Messer
8 months ago
Loan Options for Every Situation
With access to 150+ lenders, I can find the right program no matter your situation.
Purchase Loans
Conventional, FHA, VA, USDA, and Jumbo options to fit your homebuying goals.
Learn MoreHome Equity Solutions
HELOCs, second mortgages, and ADU funding to unlock your home's value.
Learn MoreNon-QM Loans
Creative financing for self-employed, bank statement, and unique situations.
Learn MoreChattel / Mobile Home Loans
Financing for manufactured and mobile homes — whether on your land or in a park.
Learn MoreTwo Paths. One Clear Choice.
The mortgage you choose today impacts your finances for decades. Make sure you have the right guide.
Without the Right Guidance
- Settle for the wrong loan and overpay
- Miss programs you actually qualify for
- Feel rushed and pressured into decisions
- Be treated as a file number, not a person
With Matt on Your Team
- A tailored loan strategy that fits your life
- Discover hidden options across 150+ lenders
- Feel confident and informed at every step
- A lifelong partner in your financial journey
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Get a Free Second Opinion on Your Loan Estimate
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Upload My Loan Estimate →Frequently Asked Questions
Have questions? I have answers. And if you don't see yours here, just ask.
What's the difference between a mortgage broker and a bank?
A bank can only offer you their own loan products. As a mortgage broker, I have access to 150+ lending partners — which means I can shop across multiple lenders to find the best rate, terms, and loan program for your specific situation. Think of me as your personal loan shopper.
How much do your services cost?
In most cases, my compensation is paid by the lender — so there's no direct cost to you. When there are borrower-paid fees, I'll disclose everything upfront before you commit to anything. Transparency is a core part of how I do business.
Do I need perfect credit to get a loan?
Absolutely not. While a higher credit score can help you get a lower rate, there are loan programs available for credit scores as low as 500. I specialize in finding the right fit regardless of where your score is today — and I can help you improve it over time.
Can you help with investment property loans?
Yes! I offer DSCR loans that qualify based on the property's rental income rather than your personal income. This is ideal for investors building a portfolio. I also handle conventional investment loans, bridge loans, and fix-and-flip financing.
How long does the mortgage process take?
Most loans close in 21-30 days from application. Some can close faster depending on the loan type and how quickly documentation is provided. I keep you updated at every step so there are never any surprises.
Do you work with clients outside California?
Absolutely. I'm personally licensed in California, Florida, and Texas, and my company — United American Mortgage — is licensed in 30 states. If you're in one of those states, I'll guide you through the entire process and connect you with the right loan through our team. Reach out and I'll let you know exactly how we can help in your state.
What should I bring to my first consultation?
Nothing! Our first conversation is casual and pressure-free. I'll ask about your goals and situation, then guide you on what documentation we'll need when you're ready to move forward. Typically that includes pay stubs, tax returns, bank statements, and ID.
Ready to Find the Right Loan?
Take a 2-minute quiz and I'll personally review your options. No pressure, no obligation — just honest guidance.