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Sage Mortgage Review 2023

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At a glance

Sage Mortgage


Rating: 4.9 stars out of 5
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Bankrate Score

Mortgage Percent

Loans offered

Conventional, fixed-rate, adjustable-rate; rate-and-term and cash-out refinancing; jumbo


Nationwide Availability

Available in Alabama, California, Colorado, Connecticut, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Maryland, Michigan, Minnesota, New Hampshire, New Jersey, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Washington and Wisconsin

Credit Good

Min. credit score required

620 for conventional loans

Pros and cons

Checkmark 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

Close X Cons

  • Doesn’t offer some government loans
  • Doesn’t offer home equity lines of credit (HELOCs) or home equity loans 

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 get prequalified in three minutes and 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.)

Sage Mortgage is good for

Borrowers looking to refinance, for an online experience or to find the best deal

Breakdown of Sage Mortgage overall score

  • Affordability: Sage Mortgage works with several mortgage lenders, so you might have a better shot at scoring a lower rate.

  • Availability: The company operates in approximately 20 states at this time, and only offers conventional loan products.

  • Borrower experience: Sage places a high emphasis on service, so you can expect support throughout the preapproval, application and underwriting process.


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.

Affordability: 5/5

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.

Sage Mortgage fees can range from no fee at all to up to 3 percent of the loan amount.

Availability: 5/5

Sage Mortgage offers conventional loans for both purchase and refinances to borrowers in some 25 states. For conforming loans, you’ll need a minimum credit score of 660, but can have a maximum debt-to-income (DTI) ratio of 50 percent and a maximum loan-to-value (LTV) ratio of 90 percent.

Borrower experience: 4.7/5

Sage Mortgage was established in 2020. It currently has an A+ rating from the Better Business Bureau.

When working with Sage, you might benefit from the company’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. If you’re interested in working with Sage, you connect with the broker online or via email, text or chat.

Refinancing with Sage Mortgage

You’ll find competitive refinance rates through Sage Mortgage, which works with multiple lenders to uncover your 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.

Alternatives to Sage Mortgage

Sage Mortgage consumer reviews



Rating: 4.8 stars out of 5

288 reviews

5 stars
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About consumer ratings

Customer service rating

Rating: 4.8 stars out of 5
Level of service
Rating: 4.8 stars out of 5
Rating: 4.8 stars out of 5
Rating: 4.8 stars out of 5

95% of reviews would recommend this lender

10 of 10 rates honored

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Write a review of your experience with Sage Mortgage.

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The consumer reviews posted on ("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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Written by

Erik J. Martin

Contributing writer

Erik J. Martin is a Chicago area-based freelance writer/editor whose articles have been featured in AARP The Magazine, Reader’s Digest, The Costco Connection, The Motley Fool and other publications. He often writes on topics related to real estate, business, technology, health care, insurance and entertainment.

Edited by

Suzanne De Vita

Arrow Right

Mortgage editor