Sage Home LoansReviews of sagehomeloans.com

The loan closed, but the process was unnecessarily stressful and poorly managed. Communication was inconsistent, and I repeatedly had to follow up for basic updates. Very late in the process, I was informed that about $1,850 of seller credit could not be applied, which should have been disclosed much earlier. On top of that, I was forced to scramble on the actual day of closing to satisfy underwriter requirements, despite having nearly a month to prepare. That last-minute pressure was unfair and avoidable. Mark Stressman was the loan officer on my file. I expected more proactive oversight and transparency. I was responsive and provided everything promptly—the delays and last-minute issues were not on my end. Sage Home Loans may close deals, but the process needs significant improvement.

They hire terrible appraisers and then trust them without checking any of their work. Use professionals who aren't still on a Gmail address!

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

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.

Avoid Sage Home Loans / WesLend / Lenox Financial at all costs! They tried to bait & switch when we first refinanced by offering no closing costs, but when we received the paperwork they snuck in all kinds closing costs, hidden throughout the contract. When I questioned the costs they became very aggressive and condescending, which was clearly because they assumed a woman wouldn’t be smart enough to catch their shady practices as their demeanor was much more respectful when they were dealing with my husband. After we finally completed the refi well after the promised time frame, they ran my credit again without my approval and harassed me for months to refinance again so they could sell my loan. They’re definitely up to something shady, as the company name has changed from Lenox Financial / WesLend Financial to Sage Home Loans to God knows what now, and have moved their corporate headquarters to various states multiple times over the past 5 years. They also sent a letter a couple of years ago asking for my signature to change handling of the records of my account but also indicating they had no record of my loan. They offered no further explanation aside from harassing letters and recorded calls, but offered me no way to talk to someone about it. Then I received a letter notifying me that my loan had been sold to a new servicer, with no call or explanation, not even a final statement recording the final balance that was transferred to the new servicer. When we called Sage inquiring about the transaction & requesting a final balance, they couldn’t find any record of our loan. The person we spoke to said they would look into it and call us back by end day of day, but we never heard back. They change their websites with each name change as well, and make you use a bizarre portal, making it really difficult to keep track of your loan information. Absolutely horrible experience, they should be investigated!

I tried applying online with Sage Home Loans over a month ago (13Sep25) & have yet to be able to figure out how to contact anyone there (21Oct25). I've tried phone numbers I find online, but no one ever answers. I uploaded all requested documents over 4 weeks ago & it says the next step is to talk with my loan officer, but I can't (for the life of me) find out how to make that happen! I try to connect online, but always get the message that no one is available at this time. Some of the fields that are required to fill out on their site when trying to connect with a loan officer are blank, unlabeled fields... I finally figured out that they are for our name. Website is trash. Doesn't work right. It shouldn't be this hard. I thought we would've closed a couple weeks ago. I'm done trying. Called my old broker last night. He always treated us right. Should've went with him in the first place.

Honestly, the worst loan experience possible. Both Joseph Leanard (loan officer) and Gloria Wiltbank ( lead loan processor) should be terminated and reported to the real estate board immediately. Absolutely disgraceful. Worst part is Sage probably won’t make any corrections. Loan Depot was a little pricier but the service, integrity and professionalism beat Sage, hands down! Zero professionalism, zero integrity and probably out of business soon.

Worst customer service I've experienced in over 50 years of buying homes with financing.