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Sage Reviews

9

bestfor-icon Consult with mortgage professionals

andrewo
Written by Andrew Omalley

About Sage | Read More

9

LS Score

9

Credibility

9

Support

9

Accessibility

Visit Site
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Contact Information Contact Information drop-down-btn
  • hello@sagemortgage.com
  • (980) 306-5099
  • Headquarters: 1091 Red Ventures Drive Suite 200 Fort Mill, SC 29707
  • 3801 PGA Boulevard Ste 555 Palm Beach Gardens, FL 33410
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Sage Mortgages Review

Sage Mortgage offers purchase and refinance loan options and a simple, fully online application process. Experienced loan officers are available to assist customers every step of the way, from choosing the right loan option to navigating the closing process. They provide exceptional customer service and competitive rates to help our customers achieve their homeownership goals. With a focus on efficiency, convenience and accessibility, Sage Mortgage is dedicated to providing competitive rates and flexible repayment options.

Sage Mortgages Highlight

620

Min Credit Score

6.21-8.51%

APR. Fixed Rate

Min 5.793%

APR. Variable Rate

15, 20, or 30 years

Repayment terms

Yes

Soft Credit Pull

Marketplace

Lender Type

Undisclosed

Underwriting Fee

Yes

Other Fees

Undisclosed

Origination Fee

Undisclosed

Prepayment Fee

2-3 Weeks

Funding Time

1374724

NMLS

Mortgage Refinance

Min 5.625%

APR. Fixed Rate

Min 5.819%

APR. Variable Rate

Pros & Cons

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  • con-icon Works with respectable lenders
  • con-icon Simply online application process
  • con-icon Borrowers get access to a dedicated loan officer
  • con-icon Quick closing times usually
  • con-icon No VA Loans

Mortgage Type

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  • Mortgage Purchase
  • Mortgage Refinance
View rates

Sage Mortgages Terms & Requirements

Sage Mortgage offers purchase and refinance loan options with terms that are competitive and flexible, customers can find terms that best fits their financial situation. Sage Mortgage offers short and long loan terms, with highly competitive interest rates. Their terms of requirements meet the market’s standard; they require a minimum credit score and down payment, as well as proof of income and assets.

How to Apply

Applying for a mortgage with Sage Mortgage is easy and convenient. As a fully online lender, the entire application process can be completed from the comfort of your own home. To begin, simply visit the Sage Mortgage website and select the “Apply Now” option. From there, you will be guided through the application process step-by-step. 

Sage application process step 2
Step 1

Getting started

Sage application process step 2
Step 2

List of upcoming steps

Sage application process step 3
Step 3

Photo ID

Sage application process step 4
Step 4

Gross annual income, available assets, down payment

Once you submit the application, you will be promptly contacted by a loan officer from Sage Mortgage. The loan officer helps you understand your options and guides you through the process of choosing the right loan for your needs. Throughout the process, the loan officer will be available to answer any questions, to quickly resolve any issues and work efficiently to ensure a smooth closing.

Qualification Requirements

  • Must have a valid government-issued identification
  • Must have an income and employment history
  • Must provide proof of income and assets
  • Must be willing to allow the mortgage lender to access and review financial records and documents.
  • May need to have a minimum down payment and closing costs
  • Min credit score: 620

Required Information

To begin, simply visit the Sage Mortgage website and select the “Apply Now” option. You will be asked to provide some basic information, including your name, address, phone number, and social security number, proof of identity, such as a driver’s license or passport. Additionally, you will need to provide information about your credit score and income, as well as the desired amount you would like to borrow.

Required documents

Proof of Income: Pay Stubs, Bank statements, Employment letter

Proof of citizenship: social security number, ID, 

Application Steps & Time Frames

After the initial prequalification request, the following steps will take place:

  1. Review of your information and credit score by a loan officer. This will typically take 1-2 business days.
  2. A loan officer will contact you to discuss your loan options and help you choose the right one for your needs. This will typically take 1-2 business days.
  3. Once you have chosen a loan option, their team will work to finalize the details and prepare for closing. This will typically take 1-2 weeks.
  4. After all necessary documents have been signed and processed, you will receive your loan funds. This will typically take 1-2 business days.

Overall, the initial prequalification process with Sage Mortgage is relatively quick and straightforward. The entire process, from initial request to funding, can take as little as 1-2 weeks. We believe this process is relatively simple and efficient compared to other lenders in the market.

State Availability

Available - Alabama, California, Colorado, Connecticut, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Maryland, Michigan, Minnesota, New Hampshire, New Jersey, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Washington, Wisconsin

Not Available - Alaska, Arizona, Arkansas, Delaware, Hawaii, Kentucky, Louisiana, Maine, Massachusetts, Mississippi, Missouri, Montana, Nebraska, Nevada, New Mexico, New York, North Dakota, Rhode Island, South Dakota, Utah, Vermont, Virginia, West Virginia, Wyoming

andrewo
Written by Andrew Omalley facebook-icon twitter-icon

Andrew is a freelance writer who has been crafting valuable pieces of content relating to personal finance for more than five years. Previously, he studied Economics & Finance at university and he has professional qualifications relating to financial advice.

Customer Support

Sage Mortgage is committed to providing exceptional customer service and making the loan process as simple and stress-free as possible. Their team of experienced loan officers is available to assist customers every step of the way, from choosing the right loan option to navigating the closing process. Their loan officers take the time to understand their customers’ financial situations and offer several loan options that are tailored to their needs.

Privacy & Security

Sage Mortgage has developed a good reputation for itself, having an A+ rating with the Better Business Bureau and it also has an Equal Housing Opportunity accreditation. It places a lot of attention on ensuring that all private data is kept fully protected.

There are extensive security measures in place to protect users at all times. It also deals with lenders that have been properly vetted, so you know that you are only dealing with legit operations.

In Conclusion

With Sage Mortgage, customers can trust that they are getting the best possible service and support for their home financing needs. Whether you are a first-time homebuyer or an experienced homeowner, Sage Mortgage has the tools and resources to help you secure the perfect loan for your situation. They work with a network of lenders to find the best rates for their customers and offer a variety of loan terms to serve individual customers’ needs. Sage Mortgage has established itself as a reputable and trusted provider of mortgage loans.

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