Matt Sauer - Making A Difference One Loan At A Time
Better Rates, Better Service, Better World
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.
What We Stand For
We were looking to refi and a friend recommended contacting Matt. Within the very first call, which wasn't a scheduled call, he took our info and was plugging in numbers, giving us the breakdown of available options.
Throughout the process, Matt answered all our questions and helped us to make the best decision. He is knowledgeable, professional, friendly and was always responsive, even in off hours. I would highly recommend Matt Sauer and Different Mortgage
Brian S
San Diego, CA
Why Choose Different Mortgage?
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!
I highly recommend Matt Sauer. He was recommended to me by my uncle, and I am so glad I contacted him. Matt worked with me to set up the loan on my first home, and the whole experience was wonderful. I contacted several lenders to make sure I did my research, and Matt out-shined them all. His service is unbeatable; he responds to calls & emails immediately, answers questions with expert advice, is extremely professional, and of course, provides the most competitive rates and deals.
S Dingersoll
Lake Forest, CA
Matt's Online Reputation
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
VA Home Loan Mortgages
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.
Conventional Home Purchase
The favored choice among prospective homebuyers, conventional loans offer flexible home financing to qualified individuals, ensuring affordability in homeownership.
FHA Mortgage Programs
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.
Fixed Rate Mortgage
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 Home Loans
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.
Combined/Hybrid ARMs
A hybrid adjustable-rate mortgage is a type of mortgage that has an initial fixed interest rate period followed by an adjustable rate period.
Cash-Out Refinance Loan
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.
First-Time Homebuyer Mortgage
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.
State and Local Housing Programs
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!"
Sam C
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."
Trevor B
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."
Matthew Dolstein
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.
Hey everyone, Matt Sauer with Different Mortgage. Today I want to talk about a question that’s very specific to each individual’s situation: should I buy, or should I rent? This question is highly dependent on your situation but there are general principles and benefits of homeownership to consider.
Welcome to our latest blog post where we dive into the intricacies of mortgage options available today. I'm Matt Sauer, your guide through the ever-evolving world of mortgages. Let's jump right in and discuss a key player in the mortgage market: jumbo loans.
Dive deep into what determines your mortgage borrowing capacity. Learn how credit scores, DTI ratios, employment history, and more play a role in your home loan journey.
Explore the benefits of VA loans through our guide, highlighting the four types—purchase, IRRRL, cash-out, and construction loans—and how they empower veterans and military families towards homeownership.
Unlock the mysteries of mortgage points with Matthew Sauer of Different Mortgage. Learn whether buying points is the right move for your mortgage in 2024, including pros, cons, and strategic considerations.
Explore the differences between a HELOC and a HELOAN in San Diego's dynamic market. Understand the benefits and considerations of adjustable versus fixed rates to make an informed decision for your home equity financing needs.
Exploring Government Backed Mortgage Loans: A Guide for Homeowners
Welcome to the Different Mortgage channel, where we delve into how our unique approach to mortgage lending not only provides you with better rates and service but also contributes to creating a better world. Our founder, Matthew Sauer, shares the core values that Different Mortgage operates on, emphasizing the importance of community and strategic financial planning.
Send us a Message
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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