Matt Sauer - Making A Difference One Loan At A Time
Honest, Transparent, Client-Focused Mortgage Service. Matt aims to improve the industry and give back 10% of profits to help the less fortunate worldwide.
We're A Little Different.
"Matt was super helpful during my refinance. He found me the best rate which had helped me drop my interest rate by 1 point without having to pay anything. Mind you we did this whole process virtually via phone calls and emails. I just uploaded the documents he requested, he submitted the application, and then bam, refinance done. Really loved how easy the process went and how helpful and patient Matt was with all of my questions. Matt will definitely be my go to person for any mortgage and refinance issues."
"Matt Sauer is not just a broker, he is like a trusted friend who knows a lot about home finance. He is personable, knowledgeable, and thorough. Even when he was out of the country, he scrounged for internet allowing us to maintain communications and move forward with the loan process. He also provided excellent suggestions to solve unique issues that arose during the escrow process. He worked for us. Once we can afford a larger home, we want him to represent us again. Cheers!"
"Matt Sauer was extremely patient, insightful and proactive with my recent refinance of my condo. My schedule is extremely busy and he was very patient but persistent with his requests to ensure we met all deadlines. He answered all questions I had in the detailed I needed. He was also extremely flexible on what I wanted regarding notary and what to fund in the loan or not fund in the load. He also did a bunch of the leg work for me once I provided him with my basic information. I highly recommend Matt for an future services and I would use him again."
Experience and Expertise
We've been in the business over 20 years. Whether you are purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced team of loan officers can help you find the right loan program at the lowest rate no matter what your needs are.
Personalized Service
Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
Competitive Rates
We are so confident in what we can offer that we are willing to match or beat any legitimate offer!
Community Giveback
We commit 10% of Gross Profit! to rescue children from human trafficking as well as serving and helping the poor. So while you are getting the best deal available, you are also helping to make a difference in the world. Ask us how we help!
Creating A Better World One Loan At A Time
Matt Sauer has been in the mortgage industry for over twenty years. He moved to San Diego after he graduated from State University of New York in 2000 and has been here, loving the area, ever since.
He began his career in the industry soon after his move to San Diego when he went to work for Washington Mutual. After working for a direct lender, and eventually a mortgage broker, he decided to become a broker himself in 2007.
After being in the industry for some time, he realized there was a need for honest, transparent, and strategic mortgage brokers that put the goals and needs of their clients above their goals and paychecks. At the same time he wanted to make a difference not only within the culture of the industry, but also by using the industry to impact the world around us. He has since made the commitment to give 10% of the company's gross profits to meeting the needs of the poor and needy throughout the world.
Matt is most passionate about his faith, hiking, playing ice hockey, helping others, and truly making a difference in people's lives. He has been on mission trips to South Korea, southern Mexico, Israel, Peru, Kenya, Uganda, S. Sudan and has done tsunami relief work in Japan.
Matt's Latest Videos
Some Of Our Mortgage Options
The VA Single Close Construction Loan empowers veterans to construct their homes utilizing their hard-earned benefits. This streamlined financing option not only saves you time and money but also eliminates the need for a down payment, combining both construction and long-term home mortgage into a single, hassle-free loan.
The favored choice among prospective homebuyers, conventional loans offer flexible home financing to qualified individuals, ensuring affordability in homeownership.
Whether you're a first-time homebuyer or simply concerned about meeting financing criteria, an FHA loan offers straightforward and adaptable solutions. Streamlined approvals come with reduced credit score prerequisites and smaller down payment obligations, all while maintaining competitive interest rates.
With a fixed rate mortgage, the interest rate does not change for the term of the loan, so the monthly payment is always the same. Typically, the shorter the loan period, the more attractive the interest rate will be.
Jumbo Loans exceed the maximum loan amounts established by Fannie Mae and Freddie Mac conventional loan limits. Rates on jumbo loans are typically higher than conforming loans. Jumbo Loans are typically used to buy more expensive homes and high-end custom construction homes.
A hybrid adjustable-rate mortgage is a type of mortgage that has an initial fixed interest rate period followed by an adjustable rate period.
A cash-out refinance loan is a new mortgage that replaces your current mortgage and gives you cash at closing. This cash can be used for any purpose you choose, such as home repairs, paying off high-interest debt, or investing in other property.
Embarking on your inaugural home purchase is a blend of enthusiasm and complexity. A multitude of factors demands your attention: selecting the right loan, determining the ideal down payment, and accounting for closing expenses. Therefore, partnering with a seasoned mortgage team is a crucial step in this journey.
Many state, county and local government programs offer financing for qualifying low-to-moderate income families wishing to purchase their first home. Loan assistance programs like Mortgage Credit Certificate (MCC) offer a partial tax credit for interest on the loan.
"Matt is the best! We have done 2 refinances and a purchase with Different Mortgage and all 3 were quick, pain-free and had no issues. Matt knows what he's doing and always keeps you in the loop with what's going on. 10/10 recommend!"
San Diego
"I was helped by Matt and he was awesome. He helped me save a significant amount on closing costs and he was very responsive and attentive to my situation and helping me get the loan I needed to get my first house. Beyond grateful for his work. Highly recommend."
Sacramento
"Great service, very personal and attentive. Matt was our agent and also represented us on our loan. We didn't have much experience in the industry and Matt walked us through every detail of our home buying and borrowing process. He even gave us a rebate on the deal which he didn't have to do. Needless to say, if we had it to do over again, we would choose Matt Sauer."
La Mesa
Some of my clients, our greatest advocates, and their feedback speaks volumes about my commitment to excellence. Your results will vary and may not be typical. As a result of refinancing, your total finance charges may be higher over the life of the loan. Including closing costs or financing loan fees your total finance charges may be higher over the life of the loan. Reduction in payments may reflect longer loan terms and higher interest charges over the life of the loan. Applicant should not assume that any debt will be eliminated by refinancing since the debts are consolidated into a new loan.
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Have a question? We’re here to help. Send us a message and we’ll be in touch.
Phone: (858) 560 - 1444
Email: msauer@differentmortgage.com
Address: 9350 Red Hills Ct. Santee, CA 92071
NMLS #324599
Different Mortgage, NMLS ID #324599
NMLS Consumer Access NMLS # 291620
Equal Housing Opportunity Lender. Figures deemed reliable, but errors may occur. Rates and terms subject to change without notice. This is not an offer to make a loan or to make a loan on any particular terms. All loan applicants must qualify under the underwriting requirements and satisfy all contingencies of loan approval.
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