Sage Mortgage Review 2022
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At a glance

4.9
Bankrate Score
Loans offered
Conventional, fixed-rate, adjustable-rate; rate-and-term and cash-out refinancing; jumboNationwide availability
Available in Alabama, California, Colorado, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Maryland, Michigan, Minnesota, New Hampshire, New Jersey, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas and WisconsinMin. credit score required
620 for conventional loansPros 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 27 days
Cons
- Doesn’t offer VA loans
- Doesn’t offer home equity loans or home equity lines of credit (HELOCs)
Sage Mortgage overview
Sage Mortgage is an online mortgage company that both underwrites loans and works with multiple wholesale lenders. The broker was founded in 2020 and is headquartered in Fort Mill, South Carolina. To connect with Sage, you can submit your information through Bankrate, an affiliate company, or visit the company directly online to start an application. From there, you’ll be assigned a dedicated loan officer. Along with assisting you with finding a loan, the company can help you secure a preapproval in one to two days, and the typical closing takes 27 days. (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.)
Good for
Borrowers looking to refinance, for an online experience or find the best deal for their individual situation
Loan types
- Conventional
- Fixed-rate
- Adjustable-rate
- Rate-and-term and cash-out refinancing
- Jumbo
Lender fees
Typical broker and lender fees with Sage Mortgage can range from no fee at all to up to 3 percent of the loan amount. Lender requirements are changing continuously, so consult with Sage Mortgage for the latest fees and costs.
Rates
Sage Mortgage is a broker that works with different mortgage lenders to find you the loan best for your needs. While it advertises a promotional rate on its website, your individual rate will vary based on the lender you work with, your credit score and other factors. You can obtain a personalized rate quote by completing a form on the broker’s website or through Bankrate or by contacting your loan officer directly.
Online services
Borrowers benefit from Sage Mortgage’s 100 percent digital experience, which includes the ability to apply, upload supporting documents and select product and pricing all in the same session. (The broker’s website has limited information, however.) If the lender supports it, borrowers can also e-sign documents. Borrowers interested in working with Sage can connect with the broker online or via email, text or chat.
Minimum borrower requirements
For conforming loans, borrowers need a minimum credit score of 620 and can have a maximum debt-to-income (DTI) ratio of 50 percent and a maximum loan-to-value (LTV) ratio of 95 percent.
Refinancing with Sage Mortgage
Borrowers looking to refinance their existing mortgage can get competitive rates through Sage Mortgage, which works with multiple lenders to find you the ideal loan with the lowest possible rate and fees. The broker displays a promotional refinance rate online, but this won’t necessarily be reflective of the rate you’d specifically qualify for.
Not sure if Sage Mortgage is right for you? Consider these alternatives
- Accelin Loans mortgage review: Another broker who can match you to the right loan product for your needs, but only operating in some states
- Bank of America mortgage review: One of the biggest bank lenders with a variety of loan options and daily rates displayed online for anyone to compare
- Freedom Mortgage review: A major national lender with diverse products but limited online capabilities
- Renasant Bank mortgage review: A Southeast-based bank and lender offering HELOCs and construction and renovation loans
- Texas Trust Home Loans review: A no-fee online lender available in some of the largest states in the U.S., including California, Florida and Texas
Breakdown of Sage Mortgage overall review score
- Affordability: 5/5
- Availability: 5/5
- Borrower experience: 4.7/5
Review methodology
To determine a mortgage lender’s Bankrate Score, Bankrate’s editorial team rates lenders on a scale of one to five stars based on a variety of factors relating to the lender’s products and services. Bankrate’s partners compensate us, but our opinions are our own, and partner relationships do not influence our reviews. Here is our full methodology.
Sage Mortgage consumer reviews
4.8
281 reviews
Customer service rating
95% of reviews would recommend this lender
10 of 10 rates honored
Review this lender
Write a review of your experience with Sage Mortgage.
10 of 136 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.
Honest, Thorough, and Helpful
Dan I | Elmhurst, IL | 7/4/2021
Had a great experience with our refi. Worked with Brian Banks (loan originator) and Christian Jayme (loan processor). Both were extremely honest, thorough, accommodating, and helpful. They stay on top of things and make sure your refi gets all-the-way done in a timely manner.
Refinance with Sage Mortgage
John | Houston,Tx | 7/13/2021
I utilized Sage Mortgage based on what I saw on BankRate. Shamika/Jiaya who helped with the application and processing of the refinance were extremely helpful, knowledgeable, and responsive. The loan documents were what I was quoted and closing was easy and seamless. I would not hesitate to use them...
Easiest Refinance Experience Ever!
Fastest closing ever! | TN | 7/14/2021
This was by far the easiest refinance I have ever experienced. Everyone was polite, helpful, and punctual. Closed less than a week after it was sent to underwriting. And they came to us to close on a Saturday!
Exceptional patience of the team working through my specific issues associated with this refinance.
Vicki | Maryland | 7/16/2021
Streamlined the process and exceptional customer service regarding problems that cropped up along the way. I’ve recommended Sage to two of my friends who also are refinancing with them and my sister already completed hers last year. Best rates of anything online or with area banks. Highly recomm...
Great experience with Shane at Sage
Great rate and very knowledgeable | Los Angeles, CA | 7/19/2021
We had a great experience and got an amazing rate working with Shane Crow at Sage. We had planned to do a somewhat complicated refinance of 2 separate properties. After speaking with numerous loan officers, Shane gave us the best rates and also seemed the most knowledgable and capable of crunching n...
Awesome Experience
Andi Wofford | Florida | 7/19/2021
I had some complications closing on a loan because another company bought part of the company I was working for and proof of employment didn't work out very well. Shannon was very diligent and helped the underwriters work through the process to close the loan. Awesome experience.
I was skeptical but this was the best loan experience I've ever had
Awesome rates! Great Communication | Mid Michigan | 7/19/2021
When I first went on bankrate and was matched with Sage Mortgage as one of my options I was understandably skeptical. However, the folks at Sage (specifically our loan processor Marie Sulayman) were extremely communicative and were available by email and text as well as phone seemingly at all times ...
Great and Easy Process
Great! | Dayton Ohio | 7/20/2021
Highly recommend. Despite doing everything over the phone and email the process was easy and handled quicly.
Great experience! Fast, Easy, and Friendly! Thanks Tim Cain!
Efficient! | Maryland | 7/20/2021
It was a pleasure to work with Tim Cain. I was skeptical at first, but they did have the lowest refinance rates available and Tim worked with me on everything and set up the refinance professionally and efficiently. I would refer to them again in the future if I were to refinance another home.
Excellent and Speedy process
Fast and efficient process. Attractive terms. | Cincinnati area | 7/21/2021
My initial decision to apply for a refinance was driven by attractive rates and the promise of a speedy process. They had an efficient process for uploading required documents and I found their main contact, Alexandra Morris, knowledgeable and quite helpful. With Alexandra's assistance I was able ...