But first came family: “Between 2006 and 2008, I was a stay-at-home mom,” she said. She would separate from her husband by 2010, with a quest to get into mortgage lending. By 2011, she started in processing before joining another company six months later as a loan officer assistant. Later, she would manage a team of five people for five years. She said she came to disapprove of business practices at the company she worked at, prompting her to venture out on her own.
In a hurry to succeed
“During that time period, I went back and got my NMLS [Nationwide Multistate Licensing System], and started my own company, My Mortgage Group just a few years ago.” She opted to go the DBA route given her ADHD – realizing she couldn’t run the business as well as originating, she said – and thus aligned her branch with Amerifund. “We’re growing exponentially,” she said. “I always knew I wanted to be in the industry in some capacity – it was my path. I knew it since I was working as a teller in that credit union.”
Unethical practices by a former employer made an impression on her, she said. “When I tell people integrity for me is a huge, huge thing, it’s because it matters to me. Over the years, I’ve seen far too much of that. When the market was crashing, people passed bad loans and put people in very difficult positions. It was awful for me to watch people lose their homes and suffer the way they did. My intention as a loan officer myself is to never, ever put a client in that kind of position. If that means I don’t agree with the type of loan they may be eligible for, but will put them in financial hardship, I have no problem telling them to find another broker. I won’t be responsible for that.”
What strikes one in talking to Mattingly is her youthful resolve. She would become licensed in December 2005 with her California real estate license at the age of 20 after two years of transaction coordinator and office management for a real estate company. She would officially become licensed with NMLS in 2017 at the age of 32. “It took more than a decade for me to find my footing and realize what I was worth and what My Mortgage Group could be.”
She noted the determiner “my” in the company name isn’t centered on her but on her clients.
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