Sage Mortgage Mortgage Review 2021

By Erik J. Martin

Please note: In response to the coronavirus pandemic, lenders are changing their requirements continuously. Although we strive for accuracy at the time of publication, please be sure to check with the lender for updated details on down payments, credit scores, etc.

At a glance

Sage Mortgage

4.0

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Bankrate Score

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Loans offered

Conventional fixed- and adjustable-rate mortgages (ARMs); refinancing options include conventional and FHA fixed-rate cash-out and rate-and-term refinancing
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Nationwide availability

Available in California, Colorado, Florida, Georgia, Minnesota, North Carolina, Oklahoma, Oregon, South Carolina and Texas
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Min. credit score required

660 for conventional loans

Pros and cons

Pros

  • Works with multiple wholesalers to offer competitive rates and fast cycle times
  • Borrowers can complete a quick and easy application online 24/7, 365 days a year
  • Dedicated loan officer works with borrowers throughout the entire process
  • Most mortgages close within 28 days

Cons

  • Doesn’t offer VA loans
  • Doesn’t offer jumbo loans
  • Doesn’t offer home equity loans or home equity lines of credit (HELOCs)

Sage Mortgage overview

Sage Mortgage is an online mortgage broker that works with multiple wholesale lenders. The broker was founded in 2020 and is headquartered in Fort Mill, South Carolina.  Borrowers benefit from Sage’s proprietary, 100-percent digital experience, which includes the ability to apply, upload supporting documents and select product and pricing all in the same session. Through Sage Mortgage, borrowers are assigned a dedicated loan officer as soon as they transfer from Bankrate, an affiliate company, so borrowers can get their questions answered at any step in the process. Editor’s note: Sage Mortgage is owned by Bankrate parent company Red Ventures but had no influence in Bankrate's review. Bankrate's editorial team operates independently and has standards in place to ensure the information in this review is accurate and unbiased.

Loan types

  •   Conventional fixed- and adjustable-rate mortgages (ARMs)
  •   Conventional and FHA fixed-rate cash-out and rate-and-term refinancing

Lender fees

Depending on the amount of your loan and where you live, lender fees vary between $995 to $1,050 in certain states and $2,750 to $5,500 in others. Lender requirements are changing continuously, so consult with Sage Mortgage for the latest fees and costs.

Minimum borrower requirements

For conforming loan amounts between $150,000 and $548,250, borrowers need a minimum credit score of 660 and can have a maximum debt-to-income (DTI) ratio of 50 percent and a maximum loan-to-value (LTV) ratio of 90 percent.

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Sage Mortgage consumer reviews

4.7

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56 reviews

5 stars
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51
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4

Customer service rating

Knowledge
4.8
Level of service
4.8
Professionalism
4.7
Responsiveness
4.8

93% of reviews would recommend this lender

0 of 0 rates honored

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10 of 56 reviews

The consumer reviews posted on Bankrate.com ("Bankrate") are individual, subjective opinions of reviewers, and not of Bankrate. Bankrate does not endorse any of the opinions expressed by reviewers or any responses to reviews.

To help serve you with relevant information the consumer reviews shown below are limited to only those that this advertiser has received during the past 12 months.

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Knowledgeable and Responsive

Patrick | Charlotte, NC | 6/11/2020

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Professional Gentleman

Garry Vaneman | St Augustine FL | 6/18/2020

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Incredible to work with - thanks Christina!

Dan | Myrtle Beach | 7/30/2020

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Great Experience and Great Rate!

Summer | Davie, FL | 7/30/2020

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Top Notch

Bo B. | Charlotte, NC | 8/5/2020

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Great Mortgage Refinance with Sage Mortgage!

Courtney | Charlotte, NC | 8/31/2020

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Professional and Competitive!

Reed | Winston-Salem, NC | 11/19/2020

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Responsive and Smooth

TXrefi | TX | 11/21/2020

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Better than expected!

Jonathon | North Carolina | 12/1/2020

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Wonderful Experience

Susan S. | FL | 12/1/2020