Michigan Mortgage Loans with a Strategy That Helps You Win

Work with Matt Watts (Mortgage Matt)

Serving Howell, Brighton & all of Michigan since 2005

Call or Text 810-919-8138 or

Apply Now

Buying a Home in Michigan?

A woman smiling and holding a set of keys towards the camera in a bright room

Start with a Plan. I’ll Help You:

Understand your true buying power
Structure your offer to stand out
Avoid common financing mistakes
Move quickly when the right home comes up

👉 Whether you’re a first-time buyer or upgrading, the right strategy can make all the difference.

Need to Refinance Your Current Mortgage?

A man and woman celebrating while looking at a laptop screen at a table

Refinancing is a life decision—not just a financial transaction.
At Mortgage Matt, we take a strategy-first approach, evaluating your full financial picture—not just the numbers on a rate sheet—to determine if refinancing truly makes sense for you.

We look at how a refinance can impact your cash flow, equity, and long-term goals, whether that means reducing monthly payments, consolidating debt, or positioning you for your next move. Every recommendation is tailored to your situation, so you can move forward with confidence knowing your mortgage is aligned with where you’re headed—not just where you are today.

What Makes Matt Watts Different?

🏡 Strategic Financing (Not One-Size-Fits-All) Every client has a different goal. I build a custom plan based on your full financial picture—not just your credit score.

⚡ Fast, Reliable Closings In many cases, we can close in as little as 3 weeks, helping you compete with stronger offers.

💡 Creative Loan Solutions Including advanced strategies like:

Cash-Out Purchase (buy before you sell)
Low down payment options
First-time buyer game plans

📍 Local Michigan Expertise

Based in Livingston County, I understand how to structure offers that actually win in markets like Howell, Brighton, and surrounding areas.

What My Clients Say:

I had to ask them to please give me their cheesiest!

My wife and I have come to Matt for our mortgage needs three times. We bought our home through him and have refinanced twice. Each transaction went very smooth. He was very informative and knowledgeable of the products available to us. We have referred him to all of our family members and friends. I highly recommend him for any of your mortgage needs!
Micah and Jacqueline W.

“I was referred to Matt Watts of Icon Mortgage by my Realtor and all I can say is wow! It only took him 3 weeks to close my loan, I got a great interest rate, he made it very easy, and best of all- I didn’t even need a down payment. If you’re considering the purchase of a new home, there is only 1 call to make.”
Kelly T

jesse jordan

5 December 2024

Matt Watts was great, went above and beyond. We gave him a challenge with my job paying cash and buying a 4th home, made it happen!!

Chloe Rice

13 August 2024

Matt was incredible for our home mortgage! I was very skeptical going into this process but he explained everything in details and was always a text or call away. Highly recommend!

Nancy Caudle

27 June 2024

Very responsive, nice and definitely knows what he’s doing!👏🏻

Marguarete Fredell

16 March 2024

Mortgage Matt Watts is the Man you want to help with your mortgage financing needs! He is highly motivated, qualified and professional. In addition, he has a high ethical standard and go's over and above to represent his clients. Hiring Matt Watts was by far the best experience I have ever had when getting a mortgage. If you're looking for a home mortgage or to refinance Mortgage Matt Watts is the professional to reach out to!

Annie Rodgers

20 January 2024

recommends

Matt Watts is a professional! I’m a full time realtor and Matt has been one of my top lenders for several years. He does a great job getting buyers qualified. He is an excellent communicator and if trouble arises, he able to work through and get buyers to closing. You can feel confident with a pre approval from Matt Watts!