Matthew Smale   NMLS# 630470   State License AZ-LO# 0919751 l CA-DBO# 630470

Matthew Smale
On Q Mortgage Consultant

Meet Matthew


Hi I’m Matthew Smale, and I have 20 years’ experience in the mortgage industry. I put that extensive experience to work for you. My wide-ranging background and experience in a variety of facets of mortgage lending equips me with a unique set of skills and expertise. My vision acquired over these years provides a market outlook that benefits my clients—finding the best mortgage product for your unique circumstances and needs.

If you are in the market to buy a home or refinance the current one—call me! I would appreciate the opportunity to work for you. Not all mortgage consultants are equal. I will demonstrate unparalleled service and earn the right to become your trusted mortgage advisor for life! Call 480.444.7113 to get started today.

My Focus


I believe that a mortgage solution must match the unique needs and circumstances for you and your family. As your trusted mortgage advisor, my primary focus is reviewing your financial goals, your current and future home requirements, and your geographical needs to ensure you obtain the home loan best suited for you. Whether new construction, remodeling projects, upgrading to a new neighborhood, or refinancing your existing home, I can help!

I am highly detail-oriented to ensure that you never run into any unforeseen circumstances or issues. Whether you are purchasing a home or refinancing a current loan, it is imperative you are provided with all information and education to properly make what may be your most important financial decision. My focus on these details will make the process smoother for you, allowing you to enjoy preparing for your home.

My Distinction


My career experience includes a wide range of positions in the mortgage industry, including processing, underwriting, sales, and management. This spectrum of experience provides a unique and detailed expertise unparalleled among mortgage consultants— enabling me to effectively guide more than 1,000 borrowers along the path to successful home ownership.

By leveraging my diverse professional background, I am able to effectively assist anyone in the mortgage process—from first-time home buyers to investors and self-employed to high net worth individuals. All this is accomplished with the same smooth efficiency. Whatever your situation, I will direct you through the process and continue to be a resource well after your loan has closed.

What My Clients Are Saying

  • "We just closed on our second home loan using Matt Smale as our mortgage consultant. This was the second time that we had Matt help us secure a home loan for our primary residence, and both times we were very pleased with Matthew's level of client care. He was patient with all of our questions, quick to respond to our inquiries, and straightforward about what we could afford, as well as about the best loan type for us to pursue. His level of communication and availability definitely were invaluable in guiding us through the details of both loans that we secured with his help."


    - scottdebgotham

  • "My wife Jennifer and I bought a house 2 years ago and had a great experience with Matt. Matt recommended we refinance the house after 2 years to save by not having to pay the PMI and getting a lower interest rate. We recently refinanced our house and it brought down our payment tremendously saving us a lot every month. We really appreciate the guidance and experience with Matt and ON Q financial. I highly recommend Matt and On Q and will be using them in the future."


    - zuser20140421123050643

  • "We really enjoyed our experience working with Matt while buying our new home. His team is fantastic. They're all very helpful. They walked us through the entire process. It was seamless. We have bought a house in the past so I am familiar with different lenders. I would choose Matt if we ever buy another house. I highly recommend him."


    - user6120505

  • "I have used On Q and Matt Smale before in the original purchase of my house. He is incredible with followup and an does not waste time. This second time I used him was for a cash out REFI and once again proved to be top notch!! The loan actually closed much earlier than the 30 days expected. Matt and his team are invaluable for their knowledge, follow-up and professionalism. He will be my go-to for any future mortgage needs. Please give them a try ---you wont regret it!!"


    - sylvia716

  • "Matthew Smale was amazingly helpful in every area of my loan process. He was very available and helpful from my very first contact until my condo buying was complete. He was very prompt in notifying me of needed paperwork and letting me know the status of the process. Matthew knows his business and has great customer service as well."


    - anolley

  • "This is an excellent lender and I would recommend highly. Our entire loan process took about 3 months with zero problems. I have purchased homes before but this was the best loan process I have experienced.
    "


    - rjleslie

  • "Matt had our Refinance done in 24 days, was excellent customer response. This is 2nd time we have used him. We bought a house in 2015 using Matt as well."


    - evilone mail

  • "Matthew explained things very well and kept us informed of the entire process. He was always available and returned calls in a very timely manner. Since our condo was under construction he was able to give us specific ideas as to when we could expect everything to happen."


    - danvirg

  • "Matt did an outstanding job processing our loan in short order. The entire On Q team was very detailed and their communication was always very timely. They were able to close our mortgage loan in a couple of weeks- which is super fast! We give this team high marks and we will use them in the future. Both Matt and his team work as a well oiled machine and they communicate as one voice on behalf of On Q."


    - Michaelpolite

  • "I am a first time home buyer using a VA home loan, and was very stressed about getting the best deal and understanding everything that needed to happen. After talking to several mortgage consultants I was left feeling more confused then when I started. It was only after Matt got involved that my worries and concerns were really put to bed. He took the time to patiently explain every step of the process and made himself available day or night to answer all questions. Furthermore, Matt and his team were incredibly flexible and rose to the challenge when I asked to move up my closing date. I highly recommend Matt and the On Q team to anyone buying a home especially veterans. "


    - kylevisconti

  • "Something you need to know about Matt, whether you're 6 months from close or 1 week from close he's very punctual and quick to respond to an email or voicemail you leave. The loan closed on time as promised and if you want a seamless experience with your mortgage there is only one person_Matt Smale"


    - GlennSullivan

  • "Matt was exceedingly fast with relying to any email sent, even on weekends. He answered all of our questions and got us the rate we wanted. I would highly recommend Matt to anyone looking to refianance. "


    - elenakreading

  • "Matt is a great guy to work with. He has you bay the hand and leads you down the qualifying for a Mortage path. Without Matt's leadership throughout this process I don't think I would have made it. At the end when your frustrated Matt and his staff assure you,that everything is going the way it should and close to the end. Believe you me you need a person like Matt to secure a loan since 2008 things have drastically changed. Thanks Matt for all you time and consideration. "


    - user9988661

  • "Matt was great and very knowledgeable and made the refi process very easy. He walked us through all of our options and got us a great rate. I would recommend Matt for all your mortgage needs you won't be disappointed. "


    - jdwagner1820

  • "As a first time home buyer, Matt helped me every step of the way. He was very professional and was able to answer all of my questions. As someone who has not done this before, Matt made it very easy for me to understand what was going on and teach me the ins and outs of buying a home. "


    - kevinmlattin

  • "My husband and I have bought 5 houses over the past 18 yrs here in the valley and Matt handled our mortgages for all of them. We also did about 6 Refi's through Matt. We trust him completely to have our back and advise us on whats the best deal for what we are needing. We saved a lot of money working with Matt. He is professional yet down to earth and a good family man. "


    - theschnoors

  • "Matt was INCREDIBLE. This was our first home buying experience, and we felt supported the entire way. He answered all of our questions and took the time to communicate where we were at in the process. We used a VA loan, which is a complicated process. Matt was super knowledgeable about the process and helped us stay calm as we navigated each step. Even our realtor expressed how INCREDIBLE Matt and his team are - he said we were really lucky with how responsive and on top of things they were. Overall, we couldn't be more excited about our new home - and having such an amazing team beside us throughout the process allowed us to remain excited and positive instead of wracked with anxiety. Thank you Matt and team!! "


    - zuser20140322163138113

  • "I enjoyed working with Matthew Smale for my recent mortgage refi. He was extremely responsive, explained every step, and made the process easy! His staff was professional and easy to work with. "


    - 2hollilynn

  • "Matt helped close our loan app in less than estimated time. Always available to answer questions and provide best suggestions. He was very helpful with the entire process. Thanks Matt! "


    - katie customercare

  • "Matthew helped us with our new build two years ago. We looked into other companies to refinance and didn't feel comfortable so we contacted Matthew. He is personable and professional at the same time. He is very precise and will give you the best options. He kept in contact throughout the whole process and followed through. Thank you again Matthew! "


    - rtochoa4

  • "I have work with Matt Smale on two separate occasions...my initial home loan and most recently my refinance. He is a pleasure to work with! Matt was quick to respond, knowledgable and walked me through the process step by step. The fact that I followed him from his previous employer (initial loan) to his current position (refinance) is a testament to how smooth and stress free he makes the loan/refinance process! "


    - kmhehr

  • "Wonderful service! Matt helped up with the purchase of our new build home two years ago and also with our refinancing this year. Very good at communication. Thorough and quick. Totally recommend!"


    - alexander3g

  • "We’ve just closed our second loan through Matt and OnQFinancial. Matt’s unique set of skills includes very impressive people skills as well. He is a true professional that thoroughly understands this industry and is very responsive to any questions or concerns throughout the loan process. Its a no-brainer for us to work with him and his team, they offer worry free services because what they say, is followed through. We trust his advice and we trust he has found the best loan situation for us. As customers, we receive the utmost respect and help we need during the process of securing a loan. He and his team make the loan process a learning and comfortable experience. Thank you again Matt!"


    - frlobo 24

  • "Matt was great to work with. Very prompt in response and was always available to answer questions, provide details and support. Very timely in every aspect and provided an above board service level. I look forward to working with you in the future."


    - mupfudze

  • "I have currently asked for Matthew’s assistance on 2 loans. Both loans were smooth and I could not ask for more. He was able to find better rates and it always felt he was watching out for me. A big thank you to Matthew and his team!!"


    - bdapl

  • "Matthew and his team are knowledgeable, thorough and responsive. Matthew has a great understanding of the mortgage industry and is able to provide options and respond to the many questions home buyers have as they go through the complicated process of getting a mortgage loan. He took the time to go over my questions related to my loan documents and closing costs so I was prepared and there were no surprises at my closing with the Title company. Thanks for making a complicated and potentially stressful process go smoothly."


    - kmatzinger

  • "Matthew was very professional and helpful throughout the entire loan process. He really knows the industry and the always changing guidelines. He was very responsive to emails or phone calls which is extremely important to any new home purchaser. Buying a home for the first time can be a stressful and scary time but Matt was patient and trustworthy. We are glad we ended up with him and will recommend him!"


    - jenna s.

  • "Matthew was diligent in handling all observations, requests, questions, concerns and doubts all the way from generating a Load Estimate to the CD (Closing Document). Matthew understands his topic and is prompt in follow-up to ensure a timely closure to open issues."


    - alokkg

  • "Great job getting us they this process! Huge thank you for helping us thru this process. So many times I knew I was texting him after hours- but my worry about that all important question was eating me alive. I knew that Matthew would be there to help calm my worry and answer any questions no matter the day or time! The open honest communication was amazing. Thank you Matthew!!"


    - brandin p.

  • "Matthew made my mortgage experience very easy. He was extremely helpful and responsive to any questions I had. This was my second time using Matthew. Both times he made the process easy and painless. He is great to work with. I would definitely recommend Matt."


    - bkorte4

  • "Easy. The whole process was made easy by Matt. I appreciate his patience with all my questions.. and there were a lot. He was very responsive and explained everything. I’ve bought 2 homes before this one and this was by far my easiest one."


    - Sweetmuddyathena

  • "It was a pleasure working with Matthew during a process that can be intimidating to anyone. He was responsive, always friendly and courteous, and he went above and beyond to help us get the lowest interest rate we could get. He was very thorough and kept the ball rolling. We didn't have to chase him to get help. It was as smooth a process as you could possibly hope. We highly recommend Matthew."


    - pisces giraffe

My goal is to become your trusted mortgage adviser for life by providing an unparalleled level of service. Contact me today to ask any questions or get started on your home loan.

Matthew Smale

On Q Mortgage Consultant - On Q Financial

3530 S. Val Vista Dr. Suite 211 Gilbert, AZ 85297
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480.444.7113
602.697.5436
480.436.5301
Matthew.Smale@OnQFinancial.com
http://MatthewSmale.OnQFinancial.com

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