Independent Mortgage Broker | Costa Mesa, California
Hi, I'm Matt. Let's Make Your Mortgage Simple.
With 10 years of mortgage experience and access to multiple wholesale lenders, I help California homebuyers and homeowners understand their options and find financing that fits their needs. You'll work directly with me from start to finish.
Client reviews
What My Clients Are Saying
Matt is an exceptional mortgage broker—patient, kind, and incredibly informative. His professionalism and guidance made navigating the long and tedious mortgage process so much easier.…
Matt is the best loan officer I've ever worked with, hands down. … His professionalism, knowledge, and exceptional communication skills set him apart from the rest.…
Matt made buying our first home a breeze. We felt that Matt gave us white glove service, guiding us through the process and answering all of our questions.…
Reviews originally shared by clients on Google.
See All Client Reviews10 years of experience
Ten years helping borrowers buy and refinance homes in California.
Multiple wholesale lenders
As a broker, I can compare options across lenders instead of one in-house menu.
Personal guidance
You'll work directly with me, with clear explanations at every step.
California statewide
Based in Costa Mesa, helping clients throughout California.
Why an independent broker
More than one lender's menu to choose from.
A bank or retail lender can only offer its own loan products. As an independent broker, I work with multiple wholesale lenders, so I can shop your scenario and look for the program, pricing and guidelines that fit you.
That doesn't mean every option works for everyone — but it does mean we start with a wider view, and I'll explain the tradeoffs honestly.
Loan programs
Find financing that fits.
Conventional Loans
Flexible financing for buyers with established credit and savings.
Learn moreFHA Loans
Government-backed loans with more flexible credit and down payment guidelines.
Learn moreVA Loans
Home financing for eligible veterans, service members and surviving spouses.
Learn moreJumbo Loans
Financing for loan amounts above conforming limits — common in California.
Learn moreFirst-Time Homebuyer
A guided path through your first purchase, step by step.
Learn moreDown Payment Assistance
Programs that may help with upfront costs, depending on eligibility.
Learn moreDSCR Investor Loans
Qualify based on a rental property's cash flow rather than personal income.
Learn moreRefinancing
Revisit your rate, term or equity to see if a change makes sense.
Learn moreEligibility, program availability, rates and terms depend on current lender guidelines.
How it works
Four clear steps.
- 01
Connect
We talk through your goals, timeline and questions — no pressure.
- 02
Explore Options
I compare programs and lenders and explain the tradeoffs in plain English.
- 03
Apply
Complete a secure application online. I'll walk you through documents.
- 04
Move Toward Closing
I keep you and your agent updated as your loan moves through underwriting.
About Matt
A mortgage experience built around you.
I'm a Southern California mortgage broker who cares about relationships. I explain things clearly, answer my phone — including on weekends — and personally guide each client from the first conversation through closing.
Learning Center
Plain-English articles on pre-approval, down payments, closing costs, refinancing, DSCR loans and more.
Start readingMortgage Calculator
Estimate a monthly payment including taxes, insurance, HOA and mortgage insurance.
Estimate a paymentReal estate agents: a lending partner you can reach.
Clear updates, weekend availability and help structuring loans for your buyers.
Ready when you are.
Start your pre-approval online, or reach out with questions first. Either way, you'll hear back from me.