Your Trusted Partner forHome Financing

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Honest, transparent, and client-focused mortgage service that puts your needs first.

5.0

Star Rating(129)

129+

Client Reviews

20+

Years Experience

858.560.1444

msauer@DifferentMortgage.com

NMLS

#291620

Company NMLS#324599

Licensed States

What Our Clients Say

5.0from 129

Bobby Dietz

Google

3 weeks ago

I needed to secure a HELOC on an investment property under an extremely tight deadline, which I knew would be challenging. Matt went above and beyond to make it happen. He found the right option, pushed the process forward, and got everything done quickly enough for me to close my deal on time. Without his expertise and hustle, it simply wouldn’t have been possible. Highly recommend Matt for anyone who needs a lender who truly delivers.

Johan Eriksson

Google

2 months ago

Matt is the best. Used him for our first purchase and refinance later on. I compared like 5 different lenders before we used him the first time and he was by far the cheapest. And easy to work with .. 10 starts all day long

Emily B.

Yelp

2 months ago

If I could give more than 5 stars I would. This team is incredibly buttoned up, professional, kind, and above and beyond what you can expect. During my first home buying process, I felt as if I was working with both advisors and friends, who wanted what was best for me and were willing to talk through things - no matter how basic. They were patient as I went in and out of my first escrow, and took the extra time to talk through scenarios - giving me some guidance on how to best leverage the current market and potential macroeconomics. And when I asked for a 14 day escrow, they put the pedal on the metal... and worked diligently to help me close before I was out of my apartment and out of the country. Matt and Michelle are incredible professionals, and I'd be eager to work with them again on the next one

Cheyanne Morris

Google

2 months ago

Matt & Michelle are the best!!! Buying a house was such a foreign thing for us and they really helped simplify & break it down, so we could understand better. So happy we were able to buy our first home thanks to them!!!

Cheyanne M.

Yelp

2 months ago

Anthony Spano

Google

3 months ago

The most professional and honest loan/mortgage services I’ve ever received. I will definitely repeat hire and recommend Different Mortgage to everyone I know!

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Rates shown are estimates and subject to change. Final rates depend on creditworthiness and property details.

About Matt Sauer

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.

20+ Years Experience

Expert knowledge in the San Diego mortgage market

Honest & Transparent

No hidden fees or surprises - just straightforward advice

Gives Back 10%

Committed to helping the less fortunate worldwide

Faith & Community

Passionate about making a difference in people's lives

Loan Products We Offer

From conventional loans to specialty programs, we have the right solution for your unique situation.

Conventional Loans

Traditional financing with competitive rates and flexible terms for qualified borrowers.

Key Benefits

✓Down payments as low as 3%
✓No upfront or annual mortgage insurance (with 20% down)
✓Competitive interest rates

Ideal For

Best suited for buyers with good credit and stable income.

Where Are You in Your Home Loan Journey?

Whether you're buying your first home or refinancing your current mortgage, we're here to guide you every step of the way.

Purchase a Home

Turn your dream home into a reality.

Why Work With Me?

✓First-time buyer programs available
✓Competitive rates for qualified borrowers
✓Fast pre-approval process

Get Pre-Approved View My Rates

Refinance Your Home

Lower your rate or access your equity with confidence.

Should You Refinance?

✓Rate and term refinancing options
✓Cash-out refinancing available
✓No-obligation rate quotes

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Mortgage Calculators

Use our free calculators to estimate your mortgage payment, affordability, and more.

Calculate Your Payment

Adjust the values below to estimate your monthly mortgage payment.

Home Price *

Down Payment (20.0%) *

Interest Rate (%) *

Loan Term (years) *

Additional Monthly Costs

Property Tax

Insurance

HOA Fees

PMI (Private Mortgage Insurance)

Not required when down payment is 20% or more

Estimated Monthly Payment

$2,573

/month

Payment Breakdown

Principal & Interest$2,023

Property Tax$400

Home Insurance$150

Loan Amount$320,000

Total Interest$408,142

PMI is automatically included in monthly payment when down payment is less than 20%. This is an estimate only. Actual rates and terms may vary.

Disclaimer: This calculator is for informational purposes only and does not constitute financial advice. PMI (Private Mortgage Insurance) is automatically included in calculations when the down payment is less than 20%. The estimates provided are based on the information you enter and may not reflect actual rates, terms, or costs. Consult with a licensed mortgage professional before making any financial decisions.