Sage Home LoansReviews of sagehomeloans.com

Initial estimate indicated break even period of 3 months. Final costs made this closer to 15 months. This is a huge delta and did not feel like I got the deal I was promised, as daily interest on the payoff was not considered. Initial call was incredibly informative and helpful, but after that communication was not great, and I had to follow up on several items and information I didn’t receive. I was told I could back out of the deal at any time, but that’s not really the case as the appraisal costs were not refundable.

Laurie was great help! She seems genuinely helpful. Very good in communication and answered all my questions patiently.

Our experience with Sage Home Loans was frustrating and stressful, largely due to the poor communication and lack of follow-through from our loan officer, Jessica. The problems began with an initial Loan Estimate that listed negative prepaid interest—an obvious red flag. When I asked Jessica about it, she told me it was a “lender credit,” which made no sense. Sure enough, the next version of the estimate corrected the interest to a positive number, which increased our closing costs by over $3,000. Despite telling her the low closing costs were why we signed with Sage, Jessica’s only comment was, “Interest should never be negative”—which was exactly why I asked her about it in the first place. There was no acknowledgement of the earlier misinformation or any real effort to explain the change. Throughout the process, Jessica frequently told us she would follow up but rarely did. We were cleared to close 16 days before our scheduled closing date, yet we didn’t receive our final Closing Disclosure until 4 PM the day before closing. Every day, Jessica told us we’d receive it “later today,” and then nothing—no follow-up, no updates. We were also given conflicting information about which documents to sign and which to hold off on. At one point, we were told there would be no impact if we chose to pay our property taxes directly and waive escrows. But when the updated documents arrived, $1,500 in lender credits had been removed. When we asked why, we were told it was because we waived escrows—contradicting what we’d been told earlier. When our realtor called Jessica directly to try to sort things out, Jessica later claimed she hadn’t heard from her because “she hasn’t emailed me.” Technically true—but misleading, since they had a phone call and spoke at length. This kind of selective communication only added to the confusion. Overall, we found the experience disorganized and unnecessarily stressful. If clear communication, accuracy, and timely updates are important to you (as they should be when making one of the biggest financial decisions of your life), I’d recommend looking elsewhere.

My home buying experience was seamless because of Alex and Candi. They were clear and transparent with their communications. Great people to work with. Thank you so much!

Best rates I could find and willing to negotiate rates and fees when directly compared to other companies. There were some bumps along the road with the loan originator, but the loan officer (Ilan Friedman) was phenomenal and helped drive the process along - even though it was beyond his job scope. Couldn't recommend him more highly.

I had a wonderful experience working with your team. Josh was particularly impressive with his prompt responses, and the entire team contributed to making the process enjoyable. I would definitely recommend your services to others. One suggestion for improvement would be to consider integrating the two portals into a single platform, as that could enhance the user experience. Thank you!

My loan officer, Reginald Bratton, made the process so smooth an easy. This is the third home I've purchased, and this process with Sage and Reginald was, by far, the most stress-free. The rest of the Sage team was also wonderful. I will absolutely seek out Sage (and Reginald!) again if I need to refinance or make a new purchase in future!

Stephen Perrigo and Aubrey Reason were great! They were able to answer all of my questions and were in constant communication regarding updates. The process was easy and went extremely well. I hope I made their lives as easy as they made mine.