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.
"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
in the last week
"Five stars! My wife and I just purchased our first home. It can be a daunting process. It’s pivotal to have the right team by your side. Matt is exceptional at his job. He is communicative, friendly, and punctual. He never rushed my wife and I. He was beyond informative and educational about the process. I remember Matt helping us sign documents as late as 9:00 pm because that was the time that worked for us. He gets it done. I’m so pleased we teamed up with Matt. I continue to reach out to him for guidance on our new home. He is always extremely helpful. I have never felt unsettled about any part of the buying process with him. He will make sure you understand every document and signature. He is a great steward of your hard earned money. I would highly consider him as your next broker. Thank you again, Matt!"
Jacob Tanis
a week 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
3 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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Latest Mortgage Resources
Educational articles to help you make smarter mortgage decisions.
How to Improve Your Credit Before Buying a Home (and Whether You Need To)
Most people who think their credit disqualifies them have never had anyone actually check. Before you spend six months repairing a score, it's worth finding out whether the number you're looking at is even the number that matters.
Read More
What Real Estate Agents Actually Want From Their Lender
Ask an agent what they want from a lender and most say communication. Ask what actually went wrong the last time a deal fell apart, and the answers get a lot more specific. Almost none of them are about rate.
Read More
How ADUs Affect Your Home's Value and Your Loan Options
A rule change this spring made ADU rental income usable for mortgage qualifying on a primary residence. That changes the math for anyone who has an ADU, is building one, or is shopping for a house with one already in the backyard.
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.