We used Sage Home Loans to refinance our home. They did an outstanding job of moving the process along quickly and making each step easy and understandable. JT was our Loan Officer and initi... See more
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Sage Home Loans is a digital-first mortgage lender dedicated to simplifying the home financing process. Founded in 2020, Sage offers a fully online experience with personalized support, aiming to make home buying and refinancing more accessible and stress-free for borrowers nationwide.
1423 Red Ventures Drive Suite 201, 29707, Fort Mill, United States
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Reply from Sage Home Loans
Sage failed to respond to many emails and phone calls. Had to repeatedly reach out for responses - management did not respond either.
The most communicative person was the loan originator who was unable to help through the closing process.
They did not relay information from the appraiser for 11 days which caused us to miss the closing date (they have a $500 guarantee for missing closing dates but Sage will not respond to us about that).
Initial response from Sage on any issue was to blame us for not responding or providing documentation (we already had) and we had to prove we did - which they were able to lookup on record that we provided everything right away when asked.
Our contract allowed 45 days to close and we were told by sage multiple times that we could close 3-4 weeks early but and would confirm "tomorrow". Then we would be ghosted past the close date that they communicated.
During the process multiple people internal to Sage were asking for the same information that was already provided showing they have internal communication problems.
Overall, it felt like the first mortgage Sage had ever processed, and they clearly do not care about their customers.
Poor communication. The loan originator started out great, but once it got to the loan processor there were crickets. They went on vacation without an out of office notification. After multiple days and attempts of calling, emailing and texting I finally received an auto response with a managers email/phone number. This person also was non-responsive. The only person who usually responded was the loan originator who didn't know what was going on. We applied for the mortgage with over 45 days until closing. Multiple people asked for the same documentation which we always sent the same day. We requested closing ahead of schedule if possible, they said we were ahead of schedule and that shouldn't be a problem. Whenever we asked for an update, they were waiting on the appraisal or reviewing the appraisal then almost 2 weeks later they needed more money to complete the appraisal and it took over 3 weeks to get it back. They completely missed our initial close by date. We've requested compensation based on their "Close on time guarantee". And guess what? Crickets.
They have great rates, reasonable closing costs, and a no-pressure approach that made the process really easy and comfortable.

Reply from Sage Home Loans
Wes was great and made the entire process smooth! Thanks for the late night responses and assistance through the entire process!

Reply from Sage Home Loans
Worked with Sage Gibson and Aubrey. The whole process was smooth from start to finish and we closed on time

Reply from Sage Home Loans
The team was very helpful and accommodating. Walked us through all the process and details and make the process as easy as possible.

Reply from Sage Home Loans
Great thanks to JT for walking me through the refinance process. It was easy and smooth from start to finish. I really appreciate the partnership with Robinhood gold members too!

Reply from Sage Home Loans
Best rate available on bank rate.com. Went above and beyond to earn my business. Closed on time with a rushed close date. A+

Reply from Sage Home Loans
Andrew and Tracy were incredible. They went above and beyond to make sure we had everything we needed to get the job done. 10/10 would recommend.

Reply from Sage Home Loans
Sage home lenders are the people to go to when buying a home. No haggle, just straight to the point. They answer the phone when you need them and work till the job is done. Definitely recommend using them when buying a house.

Reply from Sage Home Loans
JT was amazing! Extremely smooth and easy process. JT was very knowledgable, explained everything so it was easy to understand, and made the whole process an enjoyable experience. I highly recommend Sage Loans and JT!

Reply from Sage Home Loans
I've had several mortgages over the years and this was my first experience with Sage. It was by far the best mortgage experience I've every had. That experience was driven by JT, my Loan Originator who was truly a partner through every step of the process. Sage will be the first company I consider for future mortgage needs.

Reply from Sage Home Loans

Reply from Sage Home Loans
Martin got the loan done in 30 days with zero hiccups and no surprise add ons.

Reply from Sage Home Loans
Probbaly the smoothest refinance I've had to do. JT was awesome and his assistant who made sure all the paperwork was in in time was awesome as well.

Reply from Sage Home Loans
Wonderful loan company to work with. Everyone I interacted with throughout the process was knowledgeable and worked to make sure we closed our loan early. Highly recommend!

Reply from Sage Home Loans
Justin Heinz and Tammy Wood were great people, they went through my loan, and they finished everything on time and coordinated well with my realtor.

Reply from Sage Home Loans
Working with Sage has been a smooth and efficient experience. Paul G. Has been awesome: knowledgeable, customer focus, and extremely proficient. Rates are very competitive, and there’s no reason to keep shopping around, as Sage was the best and they go beyond to accommodate. Will definitely use Sage again!

Reply from Sage Home Loans
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