Sage Home LoansReviews of sagehomeloans.com

From start to finish, Ami was professional, responsive, and very helpful. She communicated clearly at every step, answered all my questions promptly, and made the refinancing process smooth and stress-free. Everything was handled efficiently, with no surprises along the way. I would absolutely recommend working with Ami and Sage to anyone considering a refinance.

To the Executive Team at Sage Home Loans, I am writing this to formally document the catastrophic failure of Sage Home Loans to execute a standard mortgage closing, resulting in significant documented financial damages. As an experienced real estate investor with nine successful prior mortgage closings, I have never encountered this level of professional incompetence. 1. Breach of Commitment & Timeline Failure Sage Home Loans provided a firm commitment to close this loan on December 28, 2025. Despite having all necessary documentation in your possession, your staff failed to meet this deadline. The closing was delayed by four days due to internal disorganization. On the scheduled closing day, your team was visibly scrambling, requesting documents that had already been uploaded and confirmed weeks prior. 2. Material Financial Hardship: Tax Impairment This delay was not merely an inconvenience; it was a significant financial blow. By failing to close on 12/28/25, Sage Home Loans prevented the "placing in service" of this asset within the 2025 tax year. Consequently, I have been stripped of the ability to claim accelerated depreciation against my 2025 tax liabilities. This delay has resulted in a direct, five-figure tax impact that cannot be mitigated in the 2026 cycle. I fully expect Sage Home Loans to honor the financial promises made regarding closing credits and to provide a proposal for further indemnification regarding the losses caused by your missed deadline. 3. Systematic Communication Breakdown Your "proactive" service model is non-existent. My experience was characterized by: • Redundant Requests: Repeatedly asking for data already in the portal. • Reactive Posture: My team had to initiate every status update; your loan officers provided zero transparency as the deadline approached. • Administrative Failure: A total lack of coordination between processing and underwriting during the final 48-hour window. 4. Partner Referral Escalation I chose Sage Home Loans based on a referral from Robinhood. Given the gravity of this experience, I will be reaching out directly to my contact within the Robinhood Executive Team to discuss the reputational risk Sage poses to their platform. Robinhood prides itself on seamless, tech-forward user experiences; the manual, disorganized, and costly service provided by Sage is a direct contradiction to those values. Required Next Steps I expect a response from a senior executive at Sage Home Loans within 24 hours. I am seeking a specific resolution regarding the "promised money" mentioned in our previous correspondence and a formal explanation as to why your internal systems failed so spectacularly at the eleventh hour. I trust this will be escalated to the appropriate level of authority immediately. Regretfully, El

I had a great experience working with Alex for a refinance.

About the only thing that was good about Sage was the rate. The service, engagement, ability to communicate - just about everything (appraisal, closing, etc) was the worst I’ve interacted with across several loans.

We had a great experience with Sunny and Sage Home Loans. Sunny’s communication was excellent, and we closed our refinance in just three weeks.

Low rates than others

Everything was great, until we got to the closing process, which was a bit sloppy/disorganized. Still got a rate that would have been hard to beat, though.

Paul helped us through our refinance and was extremely patient throughout the entire process. He went above and beyond, getting creative to help move things across the finish line smoothly.