Sage Home LoansReviews of sagehomeloans.com

The process started fine when working with sales, but then turned into a nightmare. I had constant issues accessing the online portal (resolved after 2 weeks), very poor communication from the closing specialist throughout underwriting, and I had to constantly "babysit" the process to ensure the loan closed on time. The closing specialist would never respond to my texts or emails, and then last minute the manager had to step in and take over. Talk about stress during an already stressful process. Every time, it seemed that we were starting from the beginning and there was no knowledge base on what had already been provided. Eventually, I worked with a senior manager within Sales, who was the only person who seemed to be able to get things done. The only reason it met the closing schedule was due to my involvement. I regret even trying to go with Sage, and do not recommend it based on my experience.

Easy to work with and worked hard to get the best outcome that fit our needs

I enjoyed working with our loan officer who made the experience smooth!

I was able to do everything online and over phone. J.T. Heinz was quick to answer questions and transparent with his responses. He listened to what my needs were and only presented me options that made sense for me i.e. loan length and points vs no points. Both J.T. and Gloria were courteous and professional during communication. Also, Sage offered one of the best deals I could find. As a current customer of Rocket Mortgage, Rocket told me to sign right away with Sage if what they were offering was real and it was.

The agent was upfront about costs, he kept me up to date on what to expect.

I recently refinanced my home mortgage through Sage Home Loans, and I couldn't be happier with the experience. From start to finish, the process was smooth, transparent, and incredibly well-managed thanks to the outstanding team especially J.T. Heinz and Tara Harris-Nelson. J.T. Heinz, my loan officer, was phenomenal. He kept me informed about various loan period options and the corresponding interest rates, helping me make the most informed decision. I had let him know from beginning that I’m looking for lowest possible rates with maximum lender credits. What truly impressed me was his dedication when rates dropped slightly, J.T. was away on a weekend trip to a lake, yet he still went above and beyond to help me lock in the best rate. That level of commitment is rare and deeply appreciated Throughout the four weeks long process, J.T. stayed on top of every detail, consistently communicating and ensuring the process kept moving forward. Once the rate was locked, Tara Harris-Nelson stepped in and expertly coordinated the documentation process. She made it easy to gather everything needed for closing, and her professionalism and responsiveness were top-notch. Not only did I receive the best interest rate for my refinance, but Sage Home Loans also offered the lowest lender fees and closing costs compared to the many other lenders. Others either had higher closing fees and similar rates as Sage or lower closing fees but higher rates than Sage but nobody simply could beat Sage’s rates and closing costs all together. So I'm just so grateful to have worked with such a dedicated and knowledgeable team.

Anna and Justin were great to work with!!

Sage failed to respond to many emails and phone calls. Had to repeatedly reach out for responses - management did not respond either. The most communicative person was the loan originator who was unable to help through the closing process. They did not relay information from the appraiser for 11 days which caused us to miss the closing date (they have a $500 guarantee for missing closing dates but Sage will not respond to us about that). Initial response from Sage on any issue was to blame us for not responding or providing documentation (we already had) and we had to prove we did - which they were able to lookup on record that we provided everything right away when asked. Our contract allowed 45 days to close and we were told by sage multiple times that we could close 3-4 weeks early but and would confirm "tomorrow". Then we would be ghosted past the close date that they communicated. During the process multiple people internal to Sage were asking for the same information that was already provided showing they have internal communication problems. Overall, it felt like the first mortgage Sage had ever processed, and they clearly do not care about their customers.