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 31 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.
"I had the best experience working with Matt Mayo as my Mortgage Broker. From start to finish, he went above and beyond to make the process seamless, stress-free, and ultimately successful! Matt’s knowledge expertise and customer focus is truly incredible. He carefully listened to assess my needs, discussed options, and his excellent communication kept me fully informed and confident throughout every step of the process. I was never left waiting or wondering what came next. Finally, I truly believe I locked in a great rate! If you’re looking for an Mortgage Broker who is proactive, responsive, knowledgeable, and dedicated to achieving the best outcome for his clients, Matt Mayo is the one. I cannot recommend him enough and absolutely loved working with Matt!"
Bill Tonan
5 months ago
"Matt was on top of it! He helped my husband and I, were first time home buyers. Matt was with us all the way through the process and helped us a long the way. Thanks Matt for everything!"
Treva Heringer
2 months ago
"Matt was the best mortgage broker. As a first time home buyer Matt walked my wife and I through every step of not only the mortgage process but also the home buying journey. Matt’s transparency and knowledge about our different mortgage options and tools were unparalleled. He walked us through various mortgage analysis in a way that was both digestible and in depth. Matt had the most competitive rates among all of the mortgage providers and a real feel for market factors effecting our rate. Beyond mortgage services he connected us with a real estate agent and other local professionals to assist in all aspects of the home buying process. Can’t recommend Matt’s services enough, amazing broker and even better guy."
John Blood
2 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.
What Happens After You Close: A Homeowner's First 90 Days
Closing day feels like the finish line. It's not. The first 90 days of homeownership are when you set yourself up for everything that comes next. Here's what to do and what to watch out for.
Read More
What Is a First-Lien HELOC? How the Wealth Builder Loan Pays Off Your Mortgage Faster
A first-lien HELOC replaces your mortgage with a line of credit that doubles as a checking account. Here's how the Wealth Builder loan works, the real math, and who it's actually for.
Read More
Bank Statement Loans: How They Work and Who They're For
Your tax returns say you made $65,000. Your bank deposits say you made $180,000. A traditional lender uses the tax returns. A bank statement loan uses the deposits. Here's how it works.
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.
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 31 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.