Matt Mayo | United American Mortgage
Find the Right Loan. Build Real Wealth. Feel Confident Every Step of the Way.
Mortgage broker in Long Beach, CA — lending in 32 states.
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.
"tldr; Trust Matt, don't trust giant lenders. Matt was great and I was dumb and greedy. He found us a great rate for a refi and then our existing lender (New American Funding) "beat" that rate by 0.1% and I fell for it. NAF jerked us around for 4 months and then pulled the rug. So back to Matt, sadly with a slightly higher rate (I blame Trump for that), but he wasted no time and 5 weeks later we closed on what's still a good refi."
Eli Green
a week ago
"Matt was great to work with, timely in getting everything processed & helpful through every step of the process of getting my little family their 1st home."
Rayleen Barragan
a month ago
"Exceptional Refinancing Experience with Matthew Mayo I recently had the pleasure of working with Matthew Mayo who made my refinancing process incredibly smooth and efficient. Everything was clearly explained, and there were no surprises, as he handled all the details meticulously. Mattew was always available to answer questions and provide reassurance, making me feel valued throughout the entire process. Overall, I couldn't have asked for a better experience—highly recommend Matthew Mayo for anyone looking to refinance!"
Francesco Mazzella
a month 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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Latest Mortgage Resources
Educational articles to help you make smarter mortgage decisions.
Self-Employed in California? Tax Strategies That Help You Qualify
Every self-employed borrower hears the same advice: write off less so you can qualify for more. Run the actual math and that advice falls apart most of the time. Here's how underwriters really read your returns and what to do instead.
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Best Neighborhoods in Huntington Beach for First-Time Buyers
The citywide median is north of $1.3 million and single-family homes are running closer to $1.6 million. First-time buying in Huntington Beach is still possible, but it happens in specific places and specific property types. Here's where.
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Renovation Loans: FHA 203(k) and HomeStyle Explained
You found a home with great bones and a terrible kitchen. Or a fixer-upper priced below the neighborhood because nobody wants to do the work. Renovation loans let you buy it and fund the fixes in a single loan, based on what the home will be worth when you're done.
Read MoreFrequently 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. Read the full credit score myths breakdown →
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. See the full week-by-week breakdown →
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 32 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.