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.
"My experience with Matt, from day 1 he reach out to set a time that work best for me. First time buying a home I had so many questions. Matt told me to never hesitate to reach out to him An just like he told me, he was aways there to make sure I understood what was going on an answer everything in terms I would understand. He would brake down scenarios, numbers, anything to help me make the best decision. Everything went smooth an easy if ever go through this again I now count with Matt to walk me to the process of purchasing a home. Thank you Matt."
Mikey R
4 months ago
"We had an outstanding experience working with Matt! From day one, he was attentive, professional, and truly committed to helping my brother and I through the homebuying process. He consistently responded in a timely manner, answered every question thoroughly, and made sure we understood all of our options at each stage. At one point, a complication came up from the bank that was completely outside of his control. Instead of letting it slow us down or create unnecessary stress, he immediately stepped in, presented alternative solutions, and guided us through the next steps with confidence. His problem-solving skills and calm approach made all the difference. What stood out most was how much Matt genuinely cared. He wasn’t just processing paperwork. Matt was advocating for us and making sure we were in the best possible position. He helped our family more than we can express, and we are incredibly grateful for his support. If you’re looking for someone who is responsive, knowledgeable, proactive, and truly has your best interest at heart, I highly recommend Matt Mayo. Five stars without hesitation!"
Amisadai Garcia
a week ago
"My experience.... These things can be very stressful, chaotic and lingering....Matt made it very smooth thanks to his professionalism and patience, I would definitely recommend his services and would look forward to work with him again! Thanks Matt. M.A.R"
marco ramos
in the last week
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.
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.