There are many brokers out there, but Matt is hands down the best out there. His honesty and attention-to-detail are why I would choose Different Mortgage again and again. I found out about Matt from a coworker and decided to give him a call even though I thought I had already found the team I was going to give my business to. After the first conversation I knew he was truly different. There were no red flags or hidden fees and everything he told me over the phone was in the refinance paperwork. My coworkers were in shock when I told them my rate and how quick the process was. If you are in the market, please do yourself a favor and contact Matt. read more

Matt was recommended by a friend, and it was a great recommendation. He focused on the pertinent details, so I only had to look at the stuff that mattered. He runs everything very smoothly, it makes the whole process a breeze. Thanks Matt! read more

Matt does an excellent job and I rely on him for all of my loan needs. You should too.

This review is in regards to the Broker I have worked with who is Travis Thompson @ Different Mortgage. Out of all the brokers I had to deal with, Travis has been the most helpful, friendly, and always on top of everything. He made my refinance very easy and managed everything and made sure to follow-up and update me promptly. He was able to get me a good rate, ,save me more than expected with least amount of hassle. From now on he will be my go to guy. I was hesitant at first since he was in SD and myself in LA area, but that made zero difference. Even providing tips n little tricks to help with appraisal made all the difference. Thanks Travis much appreciated. read more

Thank you MATT.I truly recommend him.Matt work very fast and easy,Whenever I texted him or called him or emailed him he will respond right away and helped with the process it was fast and easy. Again thank you for your service. read more

It was a joy to work with Matt through the process of refinancing our home. He took my calls, answered my lengthy questions, and remained attentive and invested until our loan funded. Thanks Matt for your professionalism, your upbeat spirit, and for honestly and forthrightly steering us in the direction that was best suited for our family. read more

He is the best person I have dealt with for re-financing mortgage. I have done this twice before but he is the best one. The response was really fast and timely manner and so kind and patient with all the process that I don't understand and with all bunch of documents and statements I sent was a really big mess but he explained and figured out how to do it one by one. We didn't have to have a face to face meeting and all things done on-line and I didn't have to even call him that many times. I got a referred from my friend and now I need to refer him to everyone who needs his help. Truly an awesome and trustful expert. Oh! The most important thing is that he also offers you the best rate. Thanks Matt. read more

I cannot say enough good things about Chris and Different Mortgage. He is fast, efficient, and thorough- everything you want in a mortgage company. His communication through the process of our refi was great. I highly recommend his services. read more

This team doesn't mess around. They get straight too it and execute. I have completed a couple re-fis with a Different Mortgage, each time went smooth. Chris is very clear and direct on what they need, makes it easy on me so I can provide what is needed without any assumptions. If you want "get down to business, let's get it done" I would highly recommend a Different Mortgage. read more

Over the years I've used various mortgage companies to finance and refinance loans on our house. I thought I had used the best until I met Matt Sauer with Different Mortgage. He is conscientious and on top of every request I had and answered any concerns I had, no matter how insignificant my question seemed. He made the experience smooth, easy and very quick. I would recommend Matt at Different Mortgage to anyone wanting efficiency, honesty in your mortgage transaction. I wouldn't hesitate calling him again in the future if I need any financing mortgage service. read more

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. read more

Matt has helped us with refinancing several times. He makes it a friendly, easy, and smooth process and goes the extra mile to communicate the whole way and doesn't drop any balls. His creative thinking applied to the many different kinds of loans for each situation is also a huge help. Couldn't possibly imagine going through this with anyone else. Highest possible recommendation. read more

Chris is the absolute best mortgage broker I have ever dealt with. I highly recommend him.

Fast forward several years later, and Matt once again delivers, this time helping us with a home purchase! Nothing has really changed since my last review; Matt consistently delivers at a high level of performance. Stop reading these reviews and give him a call already! read more

If you want a great rate and a brokerage that will go the extra mile to close on time, call Different Mortgage. We felt really comfortable providing our personal information and they put a lot of pressure on the banks to expedite our condo loan. Before finding Different Mortgage we shopped out all of the local banks and credit unions. Boy was that a waste of time. After only a couple minutes, we had a better rate than anywhere else! Call them today if you're looking to buy or refinance. You won't be sorry. read more

I have worked with Chris DePaso at Different Mortgage for over 10 years. Chris has processed many loans and refinances with the best rates you will find anywhere. He has always done an exceptional job . Chris has always totally disclosed everything involved in the process and there are no surprises when you sign the final papers and get the final escrow balance sheet. I trust Chris and Different Mortgage and have recommended them to Family and Friends. All of the people I have recommended have had the same great experience as I have. I have never looked any further than Chris and Different Mortgage for any of my financial Real Estate needs. I normally do not write reviews but in this case I feel others should know that this is a Company you can trust. read more

After dealing with an out of town mortage company that kept delaying and offering excuses, I found Different Mortage. Working with Matt Sauer and Yvonne Ramge was refreshing. They got me a superior deal. They were timely, professional, and answered my myriad of questions. I would recommend them to anyone looking to refinance! read more

I've refinanced our home twice in the two years and am now in the process of obtaining a commercial loan. My experience with Chris at Different Mortgage has been truly amazing. He's honest, true to his word, super responsive (via email or phone), really knows the industry well and will GET YOU A FABULOUS RATE. With our latest refinance, he already had much of our information in his files and he was able to get us a NO COST refinance so we barely had to do anything and didn't have to pay a dime in order to save lots of $$ each month. Not only will he help you get a great loan but he'll see it through to the very end - even once you close he's there to answer questions about payments, final settlements, etc. I've since referred Chris to a number of my friends and my next door neighbor and they have all decided to work with him for their mortgage needs. I must say that with Chris being in San Diego and me in the San Francisco Bay Area it was at first a bit nerve wracking to work with someone who wasn't nearby, especially sending him all our personal information but I've come to totally trust him and we've never even met. This year I even got a personal Xmas card from him! If you are looking for a new mortgage or you want to refinance I HIGHLY recommend you give Chris a call. read more

We were looking to refi our home and Joshua Sun was the man. I know him from family and friends but never saw him in action until our case. We worked mainly thru email which was super fast and easy. He let me know what info he needed and then handled the rest. In short time we got our rate down from 5.25 to 3.75% so awesome! Please contact Joshua for quotes or questions and he will treat you right. read more

We just completed our second refinance with Chris at Different Mortgage and wouldn't go anywhere else. It was a great experience from start to finish and we ended up work a better rate than expected! You can't go wrong with Different Mortgage!! read more

Matt is the absolute best broker I have ever dealt with, and I have dealt with more than few. Fast service and extremely fast response time. We closed a refi in 20 days. He also spend a lot of time explaining the whole process and answers all question over the phone and text. The mortgage rate he gave me was better than four other companies and the service he provide was above Excellent! He also did several other loan for my friend and coworkers and they were extremely happy with his service. Thanks Matt. read more

I just refinanced my condo through Different Mortgage. They provided great service from beginning to end. Any time there was an issue it was quickly resolved. Travis was always keeping me updated. The refinance process can be a little lengthy and a pain but Travis was always optimistic, friendly, and prompt. I would definitely recommend their services. read more

Matt worked tirelessly to ensure that my loan closed ahead of time. In fact, this is the smoothest and fasted loan close I've ever had. The cherry on-top was that he was able to get me a very competitive rate. Would I use Matt again? Without question. Easy to talk to. Good rates. Good advice. Super quick. read more

Matt made the whole buying process smooth and easy. Great experience as this was our first home purchase as newlyweds!

From the first phone conversation until the day we closed, Matt was a true advocate for our family. This was our first experience in buying a home. Several of his qualities stand out -- extremely knowledgeable, communicates clearly, responds promptly, accessible when concerns arose, personable and persistent. As an independent mortgage broker, he navigates situations and the loan process with your priorities and interests in mind. He found the best interest rate than any other mortgage advisor we spoke with and helped guide the process for our complex family situation. Definitely worth a conversation with Matt if you're looking for a mortgage broker... highly recommend! read more

I strongly recommend Matt for any type of mortgage services. We were looking to refinance our current mortgage and contacted numerous mortgage brokers. Matt was the most informative and helpful. He was able to get us a mortgage refinance at a lower interest rate without the hassles of submitting lots of documents. The process was very efficient and timely. Once we signed and submitted the documents online, we were able to close within 10 business days. I would use without hesitation Matt again if I need to refinance our mortgage in the near future. read more

My husband and I were first time home buyers and just bought a home this November. We had Matt as our lender and he was amazing. He was very good at explaining the documents we had to sign for our loan and even documents from our escrow company. Matt was very quick to answer phone calls and we are so grateful for that, even late at night! I would highly recommend him. We bought our home quick and it was a smooth process. read more

Different mortgage has helped us find our first home and finance it. The quality and service has been so good that we have refinanced with them two times since. Matt is a very trustworthy man and diligent worker. He has a great knowledge in the mortgage industry. I would highly recommend him! read more

Matt Sauer at Different Mortgage helped us with a refinance and he made it so easy! He is clearly on top of his game. He told us what we needed to do in clear terms and he always answered his cell phone promptly when I had a question. Several years ago I had completed a refinance with a large company that already held my original loan and it was a disaster by comparison. What a pleasant surprise to see how easy it could be (working with Matt Sauer at Different Mortgage). In just a few weeks from start to finish with a total of 4 hours of my time I saved thousands of dollars on my mortgage with this refi. read more

Matt went right to work for us. The process was much quicker than I thought. We provided the info requested and he put the loan together in record time. He was diligent and thoughtful through the process. I truly recommend his services. If I could give 10 stars I would. read more

This is the second time we have used Matt for refinancing our mortgage. The transaction was very quick with zero hassle. He was very efficient and handled all of our questions. The turnaround time was within 10 days. Matt is very honest and truly does his best to get you the best deal. Thank you Matt for making this a very easy and painless transaction. We will definitely use Matt again and highly recommend him. read more

My family and I have worked with Matt for a few years now. He helped me purchase my current home (God-send that he works both the real estate & financial sides!) and has since helped me refinance twice. Matt always watches interest rates and lets us know when refinancing would benefit us, and if it doesn't, he clearly communicates why it would not be a benefit. He is safety conscious and made sure the notary that came to my house for the refinance was a woman, to make sure I felt comfortable with the stranger coming to my house. Matt really does take on the brunt of the effort and makes it all such a breeze! It is a huge blessing to have someone you know you can trust and rely on for such big and serious decisions! read more

Don't want to read the full review? Go with Matt Sauer and Different Mortgage only if you want honesty, integrity, competitive pricing, easy to get in touch with, a smooth loan process and no surprises. Oddly enough, I found Different Mortgage on this Yelp page when searching for a review for another lender. Although there were only a few ratings, all were five stars so I figured why not give them a call. I did just that and my initial contact was with Matt Sauer. My plan was to refinance a high interest rate, low balance loan on an investment property as well as to refinance the loan on my principal residence. This loan would be a high balance loan with a cash out option and would require a subordination for the existing line of credit. During this call Matt Sauer informed me about some Combined Loan to Value "CLTV" restrictions that others left completely out of the discussion. Turns out these ratio restrictions are the norm but not being aware of them would have been a big surprise to me at some later point in the process had Matt not told me about them up front. After getting pricing from Matt, I went back and contacted the other "mortgage professionals" that I had been in contact with. Each of these companies was equally competitive with Different Mortgage. I asked each about the CLTV restrictions and each came clean. Needless to say I was pretty disappointed with the entire lot of them. On April 3, 2013, I submitted my applications to the only person and company with the integrity to tell the entire truth; Matt Sauer and Different Mortgage. The application process went smoothly and I had conditional approval on both loans within a week to the day. The more complicated loan was the first to close and with no surprises! The refinance of my investment property moved a little slower but this was due to the lender not Different Mortgage. All-in-all, I was completely satisfied with Matt Sauer and Different Mortgage and I urge you to consider them for your loan if honesty and integrity are essential to you in your dealings. Other small but pleasant conveniences you'll get. Matt's cell phone number to call in the event you can't reach him at the office, after hours or weekends. No infuriating automated phone system to navigate when you call the office then having to leave voice mail message and wait for a return call (quick thanks to Rich for making me feel valued each and every time I called). Not having to spend the time drafting explanation letters for the lenders. Matt handled the letters and simply sent them to me to sign. I could continue to gush but hope that I have given you the confidence in contacting them without reservation. If I have the need to refinance again in the future, it's good to know that I'll only have to make one call. read more

I was searching around for someone to help us refinance our home and luckily I came across Matt Sauer. I am very detailed and I do have a decent handle on the factors that go into a mortgage but I found that Matt was able to clearly explain those areas I was unfamiliar with. Many of the brokers that I have met simply throw numbers at you which ends up confusing the homeowner, making it impossible to know whether the deal is reasonable or not. With Matt he walked us through the process and was very proactive when it came to answering our questions. Additionally, you'll notice that Different Mortgage donates a portion of their revenues to charity which is a nice touch and shows they want to give back to the community. The process was quite smooth and I would recommend using Different Mortgage for all your mortgage needs. read more

I rarely write Yelp reviews but I had to do this in appreciation of the excellent service we have received from Different Mortgage. About 6 months ago, we were in need of a bigger house and Matt helped us sell our old house and buy a new house. Matt was very helpful every step of the way. He patiently addressed all our questions and concerns and was literally available around the clock. We completed both transactions with much ease and peace. Matt also gave us the best rates compared to other realtors we had talked to, so we ended up saving a pretty penny. About 2 months ago, Matt helped us refinance our mortgage for a much lower rate. We highly recommend Matt because he is knowledgeable, honest, dependable and hardworking. It's also worth noting that a percentage of the revenue that Different Mortgage makes, goes towards charity. read more

I have worked with Matt for three years now and he has done four loans for me. He is a true professional, very knowledgeable and very honest. I always have tons of questions and Matt is always helpful, smart and has very good ideas and scenarios for different mortgage situations. He knows his products and he knows how to get things done. I have recommended him to friends and colleagues in the past and will continue to do so. Its a pleasure doing business with him. read more

Hello. Matt Sauer has done an excellent job executing a couple mortgage loans for my wife and I for our primary residence, as well as our vacation home. He was extremely thorough, fast, and transparent with us throughout the entire process. He put himself in our shoes and worked hard on finding the best possible lending options for us. He also worked on a Re-fi loan for us a couple years after the purchase of our first home, and did an amazing job! We will definitely recommend Matt Sauer at Different Mortgage to any of our friends needing mortgage loans in the state of California! read more

I have an opportunity to work with Matthew Sauer (Matt) on the home loan. He is very professional, knowledgeable, and EFFICIENT. He really know what he's doing and very good at his job. He got me the BEST RATE out there vs.other loan officers. He is not B.S.at all. He is very TRUSTABLE. He works with me at every minute he can to make sure the process moves smoothly & follow up with me on every necessary step. He makes life so much easier. He is also very patient accommodate my busy schedule....email or text him has no problem at all. I will recommend Matt to everyone. If grade 10/10 is max, it would be 15/10 for Matt ;) I will look forward to work with Matt again in the future. read more

When I first spoke to Matt Sauer I was shocked at what kind of loan he was saying he could get for me. I was a little apprehensive because it just seemed too good to be true. Matt saved me tens of thousands of dollars and made my dream of owning a home a realty. He was definitely a Godsend! If you are looking for someone who is looking out for your best interest then this is the guy. I was told the best loan `for me was to put 43,000 dollars down on my house and my payment would be 2300 plus a month. Matt told me I could get the same priced house for roughly 2000 a month and 17,000 down. Matt was honest and he did exactly what he said he was going to do. Awesome experience!! read more

I have bought 2 houses and done 2 major loans and a refinance with Chris Depaso. He was able to not only get me the best possible rate on my loans, but was also fantastic in acting as my real estate agent. I have referred him to many friends and work associates who have used him, and they all think he's the best. He's responsive, professional, and is great at giving strait answers without beating around the bush. I recommend him to use for both real estate agent and for getting the best loan/refinance possible. read more