Sage Home Loans Mortgage Review 2025

Sage Home Loans overview

Sage Home Loans is a direct digital mortgage lender headquartered in Fort Mill, South Carolina. As of this review, the lender has helped more than 18,000 borrowers with a collective $5.5 billion in loan volume. To connect with Sage, you can visit the lender directly online, call the lender or submit your information through Bankrate. From there, you’ll be assigned a dedicated loan officer. For home purchase mortgages, the lender offers no-cost verified preapprovals.

Pros and cons

How Bankrate scored Sage Home Loans

Affordability: 5/5

Sage Home Loans tends to offer mortgage rates below market average. The lender also provides several low-down payment loan options to qualified borrowers. Both factors helped bring its affordability score to 5 out of 5 stars.

• Interest rates: As of this review, the APRs from Sage Home Loans were below market average.
• Down payment: For qualified borrowers, Sage Home Loans offers VA loans with no down payment requirement, FHA loans with a minimum 3.5 percent down and conventional loans with a minimum 3 percent down.
• Closing costs: Sage Home Loans charges a flat $995 origination fee and a $499 processing fee.

Availability: 5/5

Sage Home Loans works with borrowers in every state except Delaware. It scores 5 out of 5 stars for availability.

• Home loans offered: Sage Home Loans offers conventional, jumbo, FHA and VA purchase and refinance options. ​​For conforming loans, you could potentially qualify with a debt-to-income (DTI) ratio up to 50 percent.
• Footprint: Sage originates mortgages in every state except Delaware. It does not operate any branch locations.
• Where to find: You can apply for a mortgage with Sage Home Loans online.

To help you better understand what types of borrowers are interested in this lender, here’s more information about Bankrate users who submitted a form to this lender through our site:

Borrower experience: 4/5

The Sage Home Loans website allows you to view current rate offers — not all lenders do — but limited methods of contact lower its borrower experience score to 4 out of 5 stars.

• Preapproval and application process: Sage offers three-minute prequalifications as well as verified approvals, and often clears borrowers to close faster than industry averages. You might benefit from the lender’s 100-percent digital experience, which includes a simple, plain-language application and the ability to upload supporting documents and select product and pricing all in the same session.
• Transparency: Sage provides fully-customized rate quotes on its website, with no contact information required.
• Customer service: You can reach Sage’s customer service team at 888-860-2004 or hello@sagehomeloans.com. 

Sage Home Loans reputation

Sage Home Loans is an online-only lender founded in South Carolina in 2020. It currently has an A+ rating from the Better Business Bureau and is accredited with the organization.

What consumers say about Sage Home Loans

Among Bankrate borrowers, Sage Home Loans has received largely positive feedback, with consumers commenting on the lender’s high level of professionalism, excellent communication and knowledgeable staff. Consumers also like the ease of the loan application and how helpful the loan officers are. Only a handful of reviews were negative, and tended to cite missed appointments and pushy sales tactics.

Refinancing with Sage Home Loans

Sage Home Loans offers both rate-and-term and cash-out refinancing options.

How to apply for a mortgage with Sage Home Loans

You can apply for a mortgage with Sage Home Loans online or by phone at 888-860-2004.