Are You Overpaying On Your Loan?
When you request your free loan check, you’ll also get a Lite Appraisal ($150 value) and a Full Credit Check ($98 value)—everything you need for a real, accurate refinance proposal.
⭐️ ⭐️ ⭐️ ⭐️ ⭐️ Over 30,000 Mortgage Scenarios Reviewed | Trusted by Thousands of Homeowners
Find Out in 2 Minutes.
Free. No obligation. We’ll never spam you.
What You’ll Get
1. Free Loan Check
We’ll review your current offer and show you if you’re truly getting the best deal—or if you’re leaving money on the table.
Could save you hundreds every month
Confirms if your rate and terms are competitive
Gives you clarity before you commit
2. Free Lite Appraisal ($150 Value)
A human-reviewed home value report based on real comparable sales.
• Know how much cash you can access in a refinance
• See what rate you actually qualify for
• Avoid misleading quotes based on inflated or lowball valuations
3. Free Credit Check ($98 Value)
A full credit check (not a soft pull) so you know exactly where you stand.
Confirms your eligibility for the best rates
Ensures your refinance proposal is based on real numbers
Saves you from surprises later in the process
Meet Matt Von Bergen, the Mortgage Strategist
Who's Seen It All.
Most lenders focus on giving you a rate. Matt focuses on giving you a strategy.
With over 20 years of experience and more than 30,000 loan scenarios reviewed, Matt has seen every kind of deal and every kind of mistake. That perspective is what makes his approach different.
He does not push loans. He runs the numbers and tells you exactly what he would do if he were in your position.
That might mean staying with your current lender. That might mean switching to a better option. Either way, you get the truth — not a sales pitch.
Matt’s job is not to close a loan. His job is to help you make a smarter decision that saves you money and fits your financial goals.
⭐⭐⭐⭐⭐ “Matt saved us $327/month. No sales pitch, just the truth.” – Daria M.
⭐⭐⭐⭐⭐ “Matt explained everything so clearly. He found savings I had no idea were possible.” – Tia R.
⭐⭐⭐⭐⭐ “I recommend Matt to everyone. He saved us hundreds per month and gave us peace of mind.” – Aaron P.
NMLS# 209736
20+ years of Experience. 30,000+ Loan scenarios Reviewed. Zero Additional Cost to get a Second Opinion from an expert.
Your Free Loan Analysis in 3 Easy Steps
Takes less than 2 minutes. No docs needed.
1. Fill Out the Form
Takes 2 minutes. No hassle, no obligation.
2. We Run the Numbers
Loan check, Lite Appraisal, and Credit Check.
3. You Get the Truth
We’ll confirm if your deal is great—or show you how much better it could be.
Most People Trust Their First Loan Quote
Most homeowners never realize they’re overpaying. They get a loan estimate from a lender, it looks fine, and they move forward. But what that lender shows you is rarely the whole picture.
The rate might look low, but what about the fees? What about how the structure of the loan affects your cash flow or equity over time? What about timing, flexibility, or plans?
That’s where mistakes happen. And those mistakes can cost you thousands.
The truth is, a better-structured loan can save you a lot more than just a better rate. It can help you reach your goals more quickly, build wealth sooner, and avoid unnecessary expenses.
That’s why we offer a second opinion. Not to sell you something. To show you what your lender may not be showing you.
See Why Hundreds of Homeowners Trust Matt's Advice
Frequently Asked Questions
Is this really free?
Yes, completely free. There’s no cost, no commitment, and no pressure. You’re just getting honest feedback from an expert who’s reviewed tens of thousands of loan scenarios.
What if I already have a lender?
That’s actually the most common case. We’re not here to replace your lender unless it makes sense for you. Many people just want a second set of eyes to confirm they’re getting a good deal. If your current quote is solid, we’ll tell you.
Will this hurt my credit?
Not at all. We do not pull your credit. You’re just sharing your loan estimate or some details, and we’ll run the numbers. It’s a soft review, not a credit application.
Do I have to switch lenders?
No. This is your decision, not ours. If your current lender is offering the best deal, we’ll confirm that. If there’s something better, we’ll show you what it looks like and let you decide.
Can this help if I’m buying a home, refinancing, or doing a HELOC?
Yes. We help buyers, refinancers, investors, and people exploring home equity options. No matter what stage you’re in, having a strategy always helps.
How is this different from talking to my bank?
Banks and lenders sell their own products. We look at the entire market and focus on structure, not just rate. Our job is to show you what’s in your best interest — even if that means staying right where you are.
What does this cost?
Nothing. The second opinion is free, and there’s no obligation.
Why get a second opinion?
How do you know if you have a good deal? You must get an apples to apples comparison and it hold it up against another deal to know for sure!
What if I’m already working with someone?
That’s fine. We’ll review your current quote and either validate it or identify areas for improvement. You don’t have to cancel your current offer to get a second opinion. We encourage you to keep it while you explore your options.
What do I need to upload?
A copy of your current loan estimate (LE). A PDF or screenshot is fine, or any written offers from your current loan outlining the program, term, rate, FICO, Address and fee structure. We need all of these details to price a loan for you.
What if I don’t have a loan yet?
That’s also Ok! You can request a personalized quote from Matt based on your goals and timeline.
Does working with a Sr. Mortgage Advisor cost more?
No! So why wouldn’t you want an expert helping you break down the numbers if you don’t have to pay any more for it? Experience and knowledge matters more with big ticket investments, so it’s important to protect your money and investment with sound advice and the right loan for your individual needs.
This for Purchases, Refinances or HELOC’s loans?
This is for all three. You can shop any mortgage loan options and Matt offers all three products and services for second opinions.
What if my loan was declined. Can you still help?
YES! Many times a loan is declined not from the borrower’s scenario, but the Loan Officers inexperience in how to problem solve or the inability to change guidelines to a different lender. We are a preferred lender of many real estate agents because of our loan knowledge and problem solving ability to save a purchase or refinance deal that has been declined. Just because one bank or lender can’t do it, doesn’t mean we cannot. Second opinions are a great idea for declined loans!
What is the most common mistake you run into?
People being overcharged for a lower interest rate. It can be thousands or over ten thousand dollars in unnecessary closing cost on a loan. It’s about having the right rate and fee structure, and being explained the recoupment numbers and time on a loan. Most people are never explained this!
Do you do DSCR and Bank Statement program loans for self employed?
Yes! We have over 100 different banks, credit unions and lenders we work with and have many self employed and investor products we offer.
What states can you and your team lend in?
Our team is licensed in over 48 states Nationwide! Reach out to see if we can help you.
Is an Appraisal required?
Sometimes, but not always! We have purchase, refinance and HELOC programs that will waive the appraisal and save you that money, but it depends on a lot of specifics we need to find out before we can determine if you are eligible.
Are you a Bank, Broker or Direct Lender?
We are a brand new model that is revolutionizing the mortgage industry. We are Hybrid brokers. We have the ability to broker loans to over 100 different wholesale channels, and have over 30 different correspondent lenders we can bank directly with. This allows us to bank or broker depending on what your needs are and who can give you the best options to meet your goals. This sets us apart from other brokers as most only have one correspondent lending channel to choose from.
What do you think is the problem with the mortgage industry?
The lack of honesty and transparency and being explained your options. What are my options and WHY do you think that is what’s best for me? You should have those questions answered and have an in depth understanding of why you should pursue one program, rate or option vs the next..
Can we get cash out from the equity in our home?
YES! There are many ways such as cash out refinances, HELOC (Home Equity Line Of Credit) or construction rehab loans. Contact us to find out which option would be best for you?
Can you do Reverse Mortgage Purchase or Refinances?
YES! We have many reverse mortgage options to choose from and can give you a reverse mortgage to eliminate your monthly payment and open up cash flow from your fixed budget.