Sage Home LoansReviews of sagehomeloans.com

Unfortunately, my experience with Sage Home Loans was extremely disappointing. The biggest issue throughout the entire process was communication. My loan officer, Ethan Gwirtz, was consistently difficult to reach, and on multiple occasions I had to follow up myself just to discover that something was needed from me. Had I not continuously checked in, I would not have known they were waiting on information. I also had to request corrections to my Loan Estimate multiple times because incorrect figures were included. My processor was out of the office twice during my loan process, and unfortunately, the backup team was not responsive either. The most frustrating part came immediately before closing. Despite repeatedly asking for my final numbers because I needed to wire my cash to close, I still did not have them the day before my scheduled closing. I was contacting multiple people trying to get an answer while the title company was also waiting for the lender to finalize the figures. I ultimately received my cash-to-close amount at the last minute and had to rush to my bank to initiate the wire before the cutoff. Buying a home is already stressful enough. A borrower should not have to constantly chase their lender for updates, discover outstanding items only after following up, or worry the day before closing about whether they will receive their final numbers in time. We did ultimately close, and I appreciate the individuals who helped get everything across the finish line, but the overall experience with Sage was unnecessarily stressful and fell far below what I would expect from a mortgage lender. Based on my experience, I would not use Sage Home Loans again or recommend them to others.

Started off great with a competitive rate. Communication got really frustrating in the end, resulting in closing delays. They did make things better by waiving some fees that came from the closing delays. Then they sold the loan to a company with horrible reviews so now I am really nervous about the life of the mortgage and what that looks like for us. I didn't know up front that they would be selling it immediately. I would not use Sage again.

Great rates, but also great service - responsive team members, clear information, flexibility, and support all along the way

I hoped for a better experience with Robinhood’s mortgage process, with Sage Home Loans serving as the provider, but I ultimately regretted the decision. I dealt with three loan officers and multiple closing agents, resulting in too many handoffs, inconsistent communication, and significant delays. The process felt poorly coordinated and not fully developed. I was also extremely disappointed by the advertised $500 closing credit. Despite the promotion, I never received the $500. If a $500 closing credit is advertised as a benefit for completing the mortgage process, but the customer never actually receives that benefit, I consider that advertising misleading and potentially false. At a minimum, there needs to be much greater transparency about exactly how the $500 is provided, where it appears in the closing documents, and any conditions required to receive it. Although the loan eventually closed, the process was far more frustrating than necessary. Between the multiple loan officers, multiple closing agents, delays, inconsistent communication, and an advertised $500 benefit that I never received, I would have difficulty recommending Robinhood’s mortgage service through Sage Home Loans based on my experience.

We really like their service and quick email responses. Highly recommend their service to everyone.

Smooth process nice people!

I had the best people on my team, very respectful and everything was done on a timely manner. My whole experience was flawless from beginning to the end. I will recommend them to everyone I know and will work with them again when the need arises. Thank you so much for everything.

When I was getting quotes for closing costs and rates from several mortgage companies, Sage was one of them. I was pre approved by 3 different companies, including Sage. It Took the longest to get one from Sage, and after I got it, I told the broker I was still comparing quotes. At that point he became belligerent and insisted at that point I “have to” go with Sage. I disagreed with him but he remained persistent that I had to use them, remaining very unprofessional like. I then asked him if I signed any type of contract to use them and he stated no. After doing some research, there are federal rules that bar brokers from intimidation such as this. I told him I’d get back to him if we were going with Sage. Fast forward after we reviewed the closing costs and interest rates, we ended up going with Sage due to their competitive interest rate ( I will give them credit for that), and a 0.5 percent discount on closing costs if you used one of their real estate agents. In terms of the process, communication was close to nil, the closer contacted me when she needed documents,and he, the original broker never got back to me during the process to check in. I was never notified by anyone from Sage that everything was good and we had the go ahead to close. Everything I found out about the loan was either from my agent or the title company. There was no contact from either my broker or the closer for the last couple of weeks before closing. Never was contacted to see how things were going during the process, and was never contacted at closing time or afterwards. Just having the better rate does not keep a mortgage loan company in business. Your customer should be the number one priority, and Sage completely failed in this area.