Legacy, Wealth & Wellness · May 12, 2026

Thanks for being there.

Here are the three numbers from tonight's talk — and a way to run your own.

Matt Mayo · Mortgage Broker · NMLS #1527243

The Renter's Math

The myth: "You need 20% down to buy a home."
The reality: 3% down on conventional. 3.5% on FHA. Gift funds allowed.
For example: On a $700K home in Long Beach, that's roughly $21K–$24.5K down. Not $140K.

Your Equity Number

The myth: "I'll deal with my equity when I sell."
The reality: Know it now. It can fund a second property, consolidate debt, or position your family for the next generation.
For example: If you bought before 2022 in coastal SoCal, you're likely sitting on $200K–$500K+ in equity.

The Family Number

The myth: "One person, one income, one house."
The reality: The families building real wealth in coastal California think in 'we,' not 'I.'
For example: Parents helping kids. Siblings co-purchasing. Adult kids housing aging parents.

"You can refinance the rate. You can't refinance the price."

Today's 30-year fixed is around 6.3%. Forecasts say low-to-mid sixes through 2026. Buy when you're ready — fix the rate later.

Want to run YOUR numbers?

Text me directly. No pitch. No credit pull. Just real numbers for your situation.

Text Matt: 'Legacy'

Prefer the online form? Take the 2-minute quiz → · Just want to call? (562) 240-9803

Quick questions, fast answers.

Do you actually work with renters / first-time buyers?

Yes — that's a big part of what I do. First-time buyer programs (3% down conventional, 3.5% FHA), down payment assistance, gift funds, co-borrowing scenarios. If you're not sure where you stand, that's the conversation.

Will texting you cost me anything?

No. A real conversation about your situation is free. No credit pull required for an initial call. If we work together later, I'm paid by the lender on most loan programs.

What if I'm not ready to buy for another 6–12 months?

Even better. The earlier we talk, the more I can help you prepare — credit positioning, savings strategy, knowing what to look for. People who plan 6+ months out have the most options.

I already own a home. Is this still useful for me?

Yes. Most homeowners I talk to don't actually know their current equity number or what it could do for them. A 15-minute check-in usually surfaces at least one option they didn't know they had.

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