Sage Mortgage Review 2021
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
4.0
Bankrate Score
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Find my best matchesLoans offered
Conventional fixed- and adjustable-rate mortgages (ARMs); refinancing options include conventional and FHA fixed-rate cash-out and rate-and-term refinancingNationwide availability
Available in California, Colorado, Florida, Georgia, Minnesota, North Carolina, Oklahoma, Oregon, South Carolina and TexasMin. credit score required
660 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 28 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 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
4.8
158 reviews
Customer service rating
97% of reviews would recommend this lender
0 of 0 rates honored
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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.
Incredible to work with - thanks Christina!
Dan | Myrtle Beach | 7/30/2020
It was a pleasure to work with Sage Mortgage from start to finish! Great customer service. Fast response times. Christina Techeira was our loan officer, can't recommend her enough. Thanks! Dan & Nora
Great Experience and Great Rate!
Summer | Davie, FL | 7/30/2020
We found Sage Mortgage here on BankRate for their competitive APR Rate. I was a little skeptical because we had not heard of them before but we gave them a chance it was it a great and smooth experience! We dealt with Christina and she was knowledgeable, patient, & kind! The rest of the process was ...
Top Notch
Bo B. | Charlotte, NC | 8/5/2020
Mark (my originator) and Lennys (the processor) are a dream team. The entire process happened efficiently and with as much interaction as I needed. I have had other mortgage experiences (bank and otherwise), but this was by far the best.
Great Mortgage Refinance with Sage Mortgage!
Courtney | Charlotte, NC | 8/31/2020
I just closed my mortgage refinance with Sage Mortgage and I couldn't be happier. I got such a great rate and even better service. From step one through to close, it was a smooth and easy process. Sage beat the rate of my existing lender as well as the other places that gave me quotes. I had a v...
Professional and Competitive!
Reed | Winston-Salem, NC | 11/19/2020
I used Sage Mortgage for a refinance, and I'm so glad I did! Their team was very professional and extremely responsive throughout the entire process. Communication was clear and timely from start to finish. Furthermore, they offered the lowest rates I could find. There is no doubt I will be using th...
Responsive and Smooth
TXrefi | TX | 11/21/2020
Very happy with the service I received with Sage. We closed quickly, and they were fantastic about answering any questions that came up along the way. Would recommend.
Better than expected!
Jonathon | North Carolina | 12/1/2020
Sage were patient as I met with other lenders to find the best option for me. Once I decided to go with Sage the process went very quickly and closing was effortless. Good communication, no waiting & wondering what was going on, and my questions were answered when I needed them to be.
Wonderful Experience
Susan S. | FL | 12/1/2020
We had such a wonderful experience from start to finish. Upon submitting our information to Sage we were contacted by Joseph Reeves, our loan officer. He was so professional and very responsive to our many questions and requests. (FYI - We shopped multiple lenders). The whole process was so easy a...
Smoother Than Expected
Steven | CO | 12/1/2020
The refinance process was relatively quick and painless!
Consummate Professionals
Deanne | FL | 12/2/2020
The entire process went quickly and smoothly. Our refinance was completed within 4 weeks at an excellent rate. Both Joe and Dennis were the consummate professionals keeping us advised every step of the way. Highly recommend!