Sage Home LoansReviews of sagehomeloans.com

My loan officer (Ty) was fantastic to work with. After that, everything went downhill, quickly. Our original processor either quit or got fired during the process so when we were assigned a new processor, we got conflicting information by way of requirements, etc. Communication from them to us was lacking; at best. I would just recommend going local, if at all possible.

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.

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.

Poor communication. The loan originator started out great, but once it got to the loan processor there were crickets. They went on vacation without an out of office notification. After multiple days and attempts of calling, emailing and texting I finally received an auto response with a managers email/phone number. This person also was non-responsive. The only person who usually responded was the loan originator who didn't know what was going on. We applied for the mortgage with over 45 days until closing. Multiple people asked for the same documentation which we always sent the same day. We requested closing ahead of schedule if possible, they said we were ahead of schedule and that shouldn't be a problem. Whenever we asked for an update, they were waiting on the appraisal or reviewing the appraisal then almost 2 weeks later they needed more money to complete the appraisal and it took over 3 weeks to get it back. They completely missed our initial close by date. We've requested compensation based on their "Close on time guarantee". And guess what? Crickets.

Everything was okay until refi loan closed. Now I'm a week out from my first payment, no one return my call, the title company they used won't send me copies of executed docs, I have no idea where to send my payment, Sage's main number doesn't have me in their system, they tell me to talk to my loan officer (wish I could, he got his numbers from me and won't return my calls), MERS isn't showing the new loan yet... What a mess. Avoid at all costs!

If I could give them zero stars, I would. Sage Home Loans delivered awful customer service from day one. We chose them because they offered a slightly better rate than our other option, but from the very first call, things went downhill fast. They rarely answered when we needed to send information for the closing, and we constantly had to chase them for updates. After the sale was finalized, we couldn’t even log into their website to review our loan. Then, three weeks after closing, we received a letter saying they had sold our loan to another company with a terrible reputation. Buying a home is a serious and emotional process, and Sage Home Loans showed zero respect for their customers. I would never recommend them.

Bryan was absolutely wonderful the entire process from beginning to end. The team who did the closing was awful and made an already stressful process 10x worse. The day before closing and closing was a mess. I was notified that the cash to close was increasing by $2,000 the day before closing because they had miscalculated the sellers cash back at 6:30 pm AFTER they had already sent the final documents to the lawyer and I had done the wire transfer. So it cost me another $30 to do the second transfer, which now wasn’t there when we closed because the bank was closed when I sent the second transfer. The closing team reached out to me At 6 pm asking for our paystubs, why wasn’t that does earlier? We didn’t have access to them so we had to get the from work on the morning of closing. We finally got the updated final closing papers around 8 pm. 6:15 closing morning, I wake up to an email saying please disregard the previous closing documents they are adjusting them. WE CLOSE IN 2.5 HOURS. We did not get the final documents until 8:05 am, we closed at 9am. 55 minutes to review the largest purchase we have ever made. We finally get to closing, the money to fund the loan wasn’t at the law office yet so she said we’d check back after signing. We signed and reviewed everything, one we finished, the lawyer scanned everything and sent it in to Sage. She came back finally and said Sage didn’t send the correct amount. So she went in to call them, she came back and said that Sage told her the closing disclosure did not match!!! We had to sit there an additional half hour while we waited for the lawyer and Sage home loans to sort out if what we just signed needed to be resigned. It was SO embarrassing to sit there with the sellers while this happened. They finally came back and said we were all set and one again nothing changed!! What was the point in all of that?! The day after the loan was funded and we closed I got an email about a credit card and had them asking for my w2 from 2023. This was honestly the worst experience. I recommend Bryan, he was wonderful. Safe home loans though, I do not.

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.