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 35 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.
"Matt Mayo at United American Mortgage Corporation was referred to us by our Real Estate agent as she has worked with Matt previously and holds him in high regard. After working with Matt to acquire our loan, we now share the same opinion. Matt is very friendly, very professional, knowledgeable, experienced and totally accessible. He made us feel very comfortable from the start. He expertly guided us throughout the loan process, patiently answering all our questions (even the dumb ones) and always promptly responding to calls, emails and texts. I would, without any hesitation, highly recommend Matt to my family and friends."
E Salazar
in the last week
"Matt just closed a loan for my client. He was on it, had great communication, and when things came up, and they always do, he got the job done. Cheers to the next one"
Justin Sidell
a month ago
"We truly could not have asked for a better mortgage broker than Matt Mayo. Matt was actually the first and only lender we called, and now that we are officially homeowners, we are incredibly grateful that we found him. As first-time homebuyers, we had A LOT of questions throughout the process, and Matt was incredibly patient, knowledgeable, transparent, and responsive from beginning to end. He never made us feel like we were asking too much or bothering him. He took the time to explain our loan options, interest rate, costs, numbers, and different scenarios in a way that actually made sense, so we could make informed decisions and feel confident about such a major purchase. One of the best things Matt did for us was also refer us to our amazing realtor, Rachel Lillard. We trusted his recommendation, and we are so glad we did. Rachel was absolutely wonderful to work with and made our home buying experience that much better. Looking back, we feel incredibly fortunate that one phone call to Matt ultimately connected us with such a great team and led us to our first home. Matt has been accessible and dependable. Whether we had a question, needed clarification, or wanted to run through the numbers again, he was always willing to help. Buying your first home can be overwhelming, but having someone we genuinely trusted handling the financing made such a difference. Matt was organized and proactive throughout escrow and kept everything moving through closing. We always felt informed and supported, and we never felt like we were just another transaction, he genuinely cared about us and this very huge step in life. Matt earned our trust from that very first phone call, and after going through the entire home buying process with him, we can confidently say we made the right choice. We would absolutely work with him again for a future purchase or refinance and would recommend him without hesitation to our family, friends, or anyone looking for a mortgage broker. Thank you, Matt, for helping make our first home possible, for connecting us with Rachel, our home insurance broker and for taking such great care of us throughout this entire experience. We are truly grateful!"
Raquel Sepulveda
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 More about Purchase LoansRefinancing
Rate reduction, cash-out, and debt consolidation to optimize your mortgage.
Learn More about RefinancingInvestor Financing
DSCR loans and creative financing — no income verification required.
Learn More about Investor FinancingHome Equity Solutions
HELOCs, second mortgages, and ADU funding to unlock your home's value.
Learn More about Home Equity SolutionsNon-QM Loans
Creative financing for self-employed, bank statement, and unique situations.
Learn More about Non-QM LoansReverse Mortgages
Retirement planning options for homeowners 62+ to access their equity.
Learn More about Reverse MortgagesChattel / Mobile Home Loans
Financing for manufactured and mobile homes — whether on your land or in a park.
Learn More about Chattel / Mobile Home LoansTwo 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.
California Home Insurance in 2026: What Buyers Need to Know Before Writing an Offer
Insurance used to be the last box you checked before closing. In California it now decides whether the payment works and occasionally whether the deal survives. An insurance agency owner explains what is actually happening and what buyers can control.
Read More
The Appraisal Report Changes November 2. Here's What Agents Need to Know.
Every appraisal form you know retires on November 2. The report replacing them asks for roughly three times the property data, rates condition three separate ways, and reads your MLS listing like data. Most of what it needs lives with the seller.
Read More
FHA Streamline Refinance: The Fastest Way to Lower Your Payment
No appraisal, usually no income verification, and it can close in a couple of weeks. The FHA Streamline is the easiest refinance there is. The hard part is knowing whether it actually helps you, and most of the confusion lives in the closing costs.
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 35 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.