Serving Utah
Mortgage Solutions in Utah
I'm Matt Mayo, a mortgage broker with United American Mortgage (NMLS #1942), which is licensed in Utah. Through UAM, I have access to 150+ lenders to find loan options most banks can't offer. Buying your first home, investing in rental property, or refinancing, I can help with all of it. Let's talk about what's possible.
Book a Free ConsultationWhy Work With a Broker in Utah?
Most people start their mortgage search at a bank. That means one set of guidelines and one set of rates. Through United American Mortgage, I shop your loan across 150+ wholesale lenders to find the best fit. That means more options, better pricing, and access to programs you won't find at a single institution.
It doesn't matter if you're in Utah's largest metro or a smaller town. The advantage is the same: I'm working for you, not for the bank. Different lenders have different guidelines, and sometimes the difference between "approved" and "denied" is knowing which lender to send your file to.
I focus on long-term relationships and financial education, not just closing transactions. You're not a file number. You're working with someone invested in your outcome who'll be there even after closing.
Loan Programs Available in UT
Here's a quick look at what I can help with. Every situation is different, so book a call and I'll walk you through what makes sense for yours.
Purchase Loans
Conventional, FHA, VA, USDA, and Jumbo, tailored to your situation.
Investor Financing
DSCR loans for rental properties. No income verification required.
Home Equity
HELOCs and second mortgages to access your equity.
Non-QM Loans
Creative financing for self-employed or unique financial situations.
Refinancing
Rate reduction, cash-out, and debt consolidation strategies.
Reverse Mortgages
Strategic retirement planning for homeowners 62+.
Here's How It Works
Book a Free Consultation
We'll hop on a call (phone or video, whatever's easier). I'll learn about your goals, answer your questions, and give you an honest assessment of where you stand. No pressure, no obligation.
Get a Real Pre-Approval
I do a full upfront document review, not a surface-level pre-qualification. When you go out with my pre-approval letter, that loan is going to close. Agents and sellers take it seriously.
I Shop 150+ Lenders For You
While you're focused on finding the right home, I'm finding the right loan. I compare rates, fees, and guidelines across our lending partners to make sure you're getting the best deal.
Close With Confidence
I keep you updated every step of the way. No surprises, no last-minute scrambles. And I'm still here after closing if you ever need anything.
Serving Utah From Long Beach, CA
I'm based in Long Beach, California, and through United American Mortgage I work with clients across Utah and 30 other states. Thanks to technology and a great team behind me, the process is smooth regardless of where you're located, and you get the same level of personal attention as someone sitting across my desk.
I didn't grow up with a lot of money. I grew up in apartments, and I remember thinking homeownership wasn't in the cards for someone like me. That experience drives how I work with clients today, especially first-time buyers who think they'll never qualify. Let's find out what's actually possible before you count yourself out.
Common Questions
Can you help with a mortgage in Utah?
Yes. My team at United American Mortgage (NMLS #1942) is licensed in Utah and can originate loans there. I serve as your main point of contact while a loan officer licensed in Utah handles the formal origination. My personal NMLS number is 1527243. You can verify licensing at nmlsconsumeraccess.org.
How is a mortgage broker different from a bank?
A bank offers its own products. As a broker, I shop your loan across 150+ wholesale lenders to find the best rate, lowest fees, and the right program for your situation. More options, better outcomes.
Do I need to be local to work with you?
Not at all. We work with clients across Utah remotely: phone, video, email, text, whatever works for you. The process is the same, and I'm accessible throughout.
What types of loans can you help with?
Conventional, FHA, VA, USDA, Jumbo, DSCR investor loans, HELOCs, non-QM (bank statement, asset depletion), reverse mortgages, and refinancing. If there's a program out there, I can probably access it.
Is the consultation really free?
100%. No cost, no obligation. We'll talk about your goals, I'll give you an honest assessment, and you can decide from there. No pressure.
Let's Talk About Your Utah Mortgage
Take the 2-minute quiz and I'll personally review your options. No pressure, no obligation.
Book a Free ConsultationMatt Mayo | NMLS #1527243 | United American Mortgage Corporation | NMLS #1942 | Equal Housing Opportunity | UAM licensed in AL, AZ, AR, CA, CO, CT, FL, GA, ID, IL, IA, KY, MD, MI, MN, MT, NV, NJ, NC, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WI, WY. This is not a commitment to lend. Programs, rates, terms, and conditions are subject to change without notice. All loans subject to credit approval.