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Sage Home Loans Mortgage Review 2025

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At a glance

Sage Home Loans
NMLS: 3304
State License: RM.850026.000
Editor's take

Sage Home Loans is a direct digital mortgage lender working with borrowers in the majority of states in the U.S. Among the benefits of this lender is a plain-language application that’s easier and faster to complete. However, it doesn’t operate branch locations, which could be a downside if you value an in-person experience. (Note: Sage Home Loans is owned by Red Ventures, parent company of Bankrate. To determine Sage’s Bankrate Score, we applied the same rigorous scoring methodology we apply to every lender we review.)

Bankrate Score
4.9
Rating: 4.9 stars out of 5
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Bankrate Score

Customer Rating
4.8
Rating: 4.77 stars out of 5

511 ratings

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Loans offered

Conventional, jumbo, FHA, VA, refinancing

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Min. credit score required

620 for conventional loans, 580 for FHA loans

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Nationwide availability

All U.S. states except New York

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Min. down payment

3% for conventional loans, 3.5% for FHA loans, none for VA loans

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

Pros

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    Dedicated loan officer works with borrowers throughout the entire process

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    Offers verified approvals

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    Most mortgages close within 27 days

Cons

  • No branch locations

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 New York. 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 New York. 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:

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Bankrate consumer statistics

How do we get this data?
First time homebuyer:
57% were first time homebuyers
Credit score:
80% reported having a credit score of 700 or higher
Down payment:
48% planned to put down less than 20%
Last updated January 29, 2025

Borrower experience: 4.7/5

The Sage Home Loans website allows you to view current rate offers — not all lenders do — bringing its borrower experience score to 4.7 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.
Working with Sage was a fantastic experience. The representatives were consistently available, offering information in a clear and concise manner. Their responsiveness via text and email was impressive. Initially, Sage offered me a higher rate, but they were able to match the rates provided by other companies.
Bankrate logo Mayank Gangrade, Senior data engineer, The Points Guy, a Red Ventures company

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.

Lender compare

Compare Sage Home Loans to other lenders

Mortgage rates and fees can vary widely across lenders. You can use the drop downs to explore beyond these lenders and find the best option for you.

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Sage Home Loans

NMLS: 3304 

State License: 0909316 

4.9

Rating: 4.9 stars out of 5
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Bankrate Score

Recent Customer Reviews

Rating: 4.77 stars out of 5

4.8

511 reviews

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FourLeaf Federal Credit Union

NMLS: 449104 

4.9

Rating: 4.9 stars out of 5
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Bankrate Score

Recent Customer Reviews

Rating: 1 stars out of 5

1.0

3 reviews

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.

Sage Home Loans customer ratings and reviews

logo

NMLS: 3304

State License: RM.850026.000

4.8

Rating: 4.77 stars out of 5

511 ratings

This lender has 195 recent reviews.

Knowledge
Rating: 4.8 stars out of 5
Level of service
Rating: 4.8 stars out of 5
Professionalism
Rating: 4.8 stars out of 5
Responsiveness
Rating: 4.8 stars out of 5
5 stars
4 stars
3 stars
2 stars
1 star
90%
6%
1%
1%
3%

95% of customers would recommend this lender.

10 of 195 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.

Bankrate cannot guarantee or verify the accuracy of the opinions shared by individual reviewers, and reserves the right to reject or remove any review, at any time, for any reason at Bankrate’s sole discretion, including but not limited to those that Bankrate deems inappropriate, fraudulent, invalid, irrelevant, or otherwise outside the parameters of the Bankrate Review Guidelines, the Privacy Policy, or the Terms of Use.

In addition to collecting reviews on-site, Bankrate collaborated with third-party Slice MR to survey 750 homeowners nationwide in July 2024. Bankrate and Slice MR collected, averaged and presented responses to nine questions. Users received an incentive for their feedback. Responses are based on individual experiences, and therefore cannot be verified for accuracy. Submissions with user ratings that are materially inconsistent with written sentiment have been removed. User ratings are unedited and have not been reviewed or approved by lenders, nor do these ratings reflect Bankrate’s own reviews of these lenders.

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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Rating: 5 stars out of 5

Best Rate! Best Service!

Not only was the entire mortage process smooth and easy, Sage had not only the best rates (I checked 6 other providers) they have the best buy down plans and service to match! I worked with Tim and he's an all star!

Knowledge
Rating: 5 stars out of 5
Level of service
Rating: 5 stars out of 5
Professionalism
Rating: 5 stars out of 5
Responsiveness
Rating: 5 stars out of 5

Rates and terms of loan honored?

Yes

Closed mortgage with this lender?

Yes

Closed on time?

Yes

Would you recommend this lender?

Yes

Utentog
NC (May 12, 2025)

Rating: 5 stars out of 5

Great rates

Loan application was made very easy, especially when working with Robert as our loan officer. He was very responsive, informative and professional. Loan went through with no issues with him.

Knowledge
Rating: 5 stars out of 5
Level of service
Rating: 5 stars out of 5
Professionalism
Rating: 5 stars out of 5
Responsiveness
Rating: 5 stars out of 5

Rates and terms of loan honored?

Yes

Closed mortgage with this lender?

Yes

Closed on time?

Yes

Would you recommend this lender?

Yes

Coronel
Sac (May 12, 2025)

Rating: 5 stars out of 5

Wonderful Service

Blythe was fabulous to work with. She is very knowledgeable which makes the process so much better! She knew my goals for the refinance and put me in the best product to match those goals. 10 out of 10. Highly recommend.

Knowledge
Rating: 5 stars out of 5
Level of service
Rating: 5 stars out of 5
Professionalism
Rating: 5 stars out of 5
Responsiveness
Rating: 5 stars out of 5

Rates and terms of loan honored?

Yes

Closed mortgage with this lender?

Yes

Closed on time?

Yes

Would you recommend this lender?

Yes

Ed
Minnesota (May 8, 2025)

Rating: 5 stars out of 5

Brianna and Sage are fantastic

Had a bit of a difficult experience shopping for a cash out refinance until I found Sage. Brianna has been absolutely brilliant! Understood from the beginning what I was looking for and really went above and beyond to get me the best deal and make me feel like I was really being taken care of. It’s hard to overemphasize how much of a difference in the loan process a straightforward, transparent, and honest ally can make. That’s what it feels like to work with Brianna. If you appreciate having a smart, hardworking advocate on your side during your loan process, call Sage and ask for Brianna . She will look out for your interests. You will not be disappointed.

Knowledge
Rating: 5 stars out of 5
Level of service
Rating: 5 stars out of 5
Professionalism
Rating: 5 stars out of 5
Responsiveness
Rating: 5 stars out of 5

Rates and terms of loan honored?

Yes

Closed mortgage with this lender?

No

Closed on time?

N/A

Would you recommend this lender?

Yes

Bret B.
North Carolina (May 8, 2025)

Rating: 5 stars out of 5

WOW BEST RATE! I loved working with Shane & his team! Fast VA loan approval

Awesome team!!! completed the loan early. Fast communications even when I was 6 time zones away! Readily available for questions, suggestions & education (even O dark thirty). My challenge...I was negoiating for a year with the seller to get a sales contract (Ugh). I REALLY needed an expert team to make sure the sale closed on time. Thanks Shane! P.S. Please pass along our appreciation for everytning you & your team did. Best regards, Steve F. Lt. Col. (Ret.)

Knowledge
Rating: 5 stars out of 5
Level of service
Rating: 5 stars out of 5
Professionalism
Rating: 5 stars out of 5
Responsiveness
Rating: 5 stars out of 5

Rates and terms of loan honored?

Yes

Closed mortgage with this lender?

Yes

Closed on time?

Yes

Would you recommend this lender?

Yes

Steve F.
Travelin' (May 6, 2025)

Rating: 5 stars out of 5

Easy and convenient

A fully digital mortgage process, which offers a simple, plain-language application and allows borrowers to upload documents and view customized rate quotes online, often leading to a faster and more transparent experience.

Knowledge
Rating: 5 stars out of 5
Level of service
Rating: 4 stars out of 5
Professionalism
Rating: 5 stars out of 5
Responsiveness
Rating: 5 stars out of 5

Rates and terms of loan honored?

Yes

Closed mortgage with this lender?

Yes

Closed on time?

Yes

Would you recommend this lender?

Yes

Elie
Clearwater (May 1, 2025)

Rating: 5 stars out of 5

GOOD EXPERIENCE with Sage Loans

Overall I had a good experience with Sage loans who offered competitive rates and were very responsive throughout the process. When we had to get the clear to close and i was in worried/anxious they were able to reassure me that they will get it done asap and coordinated with the lawyers to extend the clear to close deadline.

Knowledge
Rating: 5 stars out of 5
Level of service
Rating: 5 stars out of 5
Professionalism
Rating: 4 stars out of 5
Responsiveness
Rating: 4 stars out of 5

Rates and terms of loan honored?

Yes

Closed mortgage with this lender?

Yes

Closed on time?

Yes

Would you recommend this lender?

Yes

Felix Y.
Watertown, mA (May 1, 2025)

Rating: 5 stars out of 5

On Time, Best Rate

Basically if you want the best interest rate without paying points and have your loan process and done right and faster than anybody else, go with Sage Loans.

Knowledge
Rating: 5 stars out of 5
Level of service
Rating: 5 stars out of 5
Professionalism
Rating: 5 stars out of 5
Responsiveness
Rating: 5 stars out of 5

Rates and terms of loan honored?

Yes

Closed mortgage with this lender?

Yes

Closed on time?

Yes

Would you recommend this lender?

Yes

Thanh P.
Wichita KS (May 1, 2025)

Rating: 5 stars out of 5

Tim was great 10/10

I did a cash out refinance & Tim presented me all the options & made this process seamless. I was unable to make a call into him so we did it all through text & email. It was so easy & didn't feel like I was being swindled like I did talking to other loan officers that gave me some long sales pitch… just show me the numbers! They have a great portal & website & everyone I worked with was quick to reply. Highly recommend

Knowledge
Rating: 5 stars out of 5
Level of service
Rating: 5 stars out of 5
Professionalism
Rating: 5 stars out of 5
Responsiveness
Rating: 5 stars out of 5

Rates and terms of loan honored?

Yes

Closed mortgage with this lender?

Yes

Closed on time?

Yes

Would you recommend this lender?

Yes

Brandon B.
Villa Hills KY (April 30, 2025)

Rating: 4 stars out of 5

Best rate out there

Sage was prompt, had a great rate, and did all that was asked. What else could you want? But, you need to fight your own battles. If you don't want handholding, go with Sage. If you need more of a personal touch, go with a lender with a higher rate but more personal attention.

Knowledge
Rating: 4 stars out of 5
Level of service
Rating: 4 stars out of 5
Professionalism
Rating: 4 stars out of 5
Responsiveness
Rating: 4 stars out of 5

Rates and terms of loan honored?

Yes

Closed mortgage with this lender?

Yes

Closed on time?

Yes

Would you recommend this lender?

Yes

David
North Carolina (April 28, 2025)