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Sage Home Loans Reviews 

168
TrustScore 4 out of 5

3.9

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Review summary

Created with AI, based on recent reviews

Reviewers had a great experience with this company. Customers frequently highlight the staff's professionalism and helpfulness, noting their responsiveness and clear communication. Many appreciate the quick response times, with some noting immediate replies even on weekends. Consumers often found rates very competitive, sometimes the best in the market, contributing to a positive overall experience. However, some mentioned communication issues, including being passed between different agents and repeatedly asked for the same information. Others experienced delays, last-minute disclosures, or a general lack of timely updates, leading to frustration. A few customers also noted unexpected changes in estimated costs or fees during the process.

What people talk about most

Staff

Clients share positive opinions on staff, with many reviewers highlighting the helpfulness, responsiveness,... See more

Service

Consumers find service to be ambiguous, with many reviewers reporting positive experiences, highlighting... See more

Customer service

Reviewers mention ambiguous feedback about customer service, with many expressing significant frustration due... See more

Response time

Users describe positive interactions with response time, with many customers praising the responsiveness and... See more

Price

People report ambiguous experiences with price, with many customers praising the competitive rates and lower... See more

Reviews shaping this summary

Rated 5 out of 5 stars

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

Company replied

Rated 5 out of 5 stars

Our loan officer, Tripp McCoy was great. He was very reachable, transparent, and got us the best rate of all the people we talked to. The loan processing team was overall good. We closed on time,... See more

Rated 5 out of 5 stars

Tim Beck was phenomenal! Wouldn’t have been as pleasant of a process without him helping to push things along! He was also not pushy or “salesy” which made the process much more enjoyable. I was talki... See more

Rated 5 out of 5 stars

Sunny was extremely helpful and knowledgeable, very responsive and helpful even on Holidays, if working with this lender, make sure to ask for her, if you get assigned to someone else call them and... See more


Company details

  1. #13 of 14 best companies in Mortgage Broker
  2. #156 of 175 best companies in Alternative Financial Service
  3. #29 of 34 best companies in Finance Broker
  4. #182 of 193 best companies in Financial Consultant
  5. #31 of 33 best companies in Mortgage Lender
  6. #229 of 251 best companies in Non-Bank Financial Service

Written by the company

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.


Contact info

3.9

Great

TrustScore 4 out of 5

168 reviews

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3.9

All reviews

(168)

154 reviews in the last 12 months

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Rated 1 out of 5 stars

Non-responsive, missed closing date

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.

September 5, 2025
Unprompted review
Rated 1 out of 5 stars

Poor communication

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.

September 5, 2025
Rated 5 out of 5 stars

Great service and rates

They have great rates, reasonable closing costs, and a no-pressure approach that made the process really easy and comfortable.

September 4, 2025
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Reply from Sage Home Loans

Thank you for the positive feedback!

Rated 5 out of 5 stars

Wes was great!

Wes was great and made the entire process smooth! Thanks for the late night responses and assistance through the entire process!

August 25, 2025
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Reply from Sage Home Loans

We're happy to hear that the process was smooth, and we appreciate your kind words.

Rated 5 out of 5 stars

Worked with Sage Gibson and Aubrey

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

August 27, 2025
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Reply from Sage Home Loans

We're happy to hear that the process was smooth and on time.

Rated 5 out of 5 stars

Helpful and accommodating

The team was very helpful and accommodating. Walked us through all the process and details and make the process as easy as possible.

August 25, 2025
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Reply from Sage Home Loans

Thank you for your positive feedback!

Rated 5 out of 5 stars

Great thanks to JT for walking me…

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!

August 25, 2025
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Reply from Sage Home Loans

We're happy the refinance process was easy and smooth for you. Thanks for your feedback!

Rated 5 out of 5 stars

Best rate available on bank rate.com

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

August 29, 2025
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Reply from Sage Home Loans

We're happy to hear that we exceeded your expectations with our rates and service.

Rated 5 out of 5 stars

Andrew and Tracy were incredible

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.

August 29, 2025
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Reply from Sage Home Loans

We're happy to hear that our team provided such great support and went the extra mile. Thank you for recommending us.

Rated 5 out of 5 stars

Sage home lenders are the people to go…

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.

August 28, 2025
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Reply from Sage Home Loans

We're happy to hear that your home buying experience was smooth and efficient. We appreciate you recommending our services; it means a lot to us.

Rated 5 out of 5 stars

JT was amazing

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!

August 1, 2025
Unprompted review
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Reply from Sage Home Loans

We're happy to hear that the process was smooth and easy. Thank you for recommending us!

Rated 5 out of 5 stars

Great Overall Experience

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.

August 27, 2025
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Reply from Sage Home Loans

We're happy to hear that you had such a positive experience!

Rated 5 out of 5 stars

Quick and efficient

Martin got the loan done in 30 days with zero hiccups and no surprise add ons.

August 25, 2025
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Reply from Sage Home Loans

Thank you for sharing your positive experience; we appreciate it.

Rated 5 out of 5 stars

Probbaly the smoothest refinance I've…

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.

August 27, 2025
Unprompted review
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Reply from Sage Home Loans

We're happy to hear that your refinance process was smooth!

Rated 5 out of 5 stars

Wonderful loan company to work with

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!

August 25, 2025
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Reply from Sage Home Loans

We're happy to hear that you had a wonderful experience with our loan process. Thank you for recommending us!

Rated 5 out of 5 stars

Justin Heinz and Tammy Wood

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.

August 22, 2025
Unprompted review
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Reply from Sage Home Loans

We're happy to hear that the loan process went smoothly. Thank you for your positive feedback!

Rated 5 out of 5 stars

SDage, best lender to work with

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!

August 21, 2025
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Reply from Sage Home Loans

Thank you for your feedback, Han! We’re glad you had a positive experience with Sage Home Loans.

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