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.
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 Highlights
REPAYMENT TERM
15, 20, or 30 years
MIN CREDIT SCORE
620
APR FIXED RATE
Min 5.625%
APR VARIABLE RATE
Min 5.793%
FUNDING TIME
2-3 weeks
ORIGINATION FEE
None
PREPAYMENT FEE
None
UNDERWRITING FEE
None
OTHER FEES
Yes
SOFT CREDIT PULL
Yes
NMLS
1374724
LENDER TYPE
Marketplace
Pros & Cons
- Offers loan options to fit the needs of each individual home buyer
- A fully online application process that is convenient and easy to complete
- Loan officers are dedicated to providing exceptional customer service and are available to assist customers throughout the loan process
- As a fully online mortgage provider, Sage Mortgage may not offer the same level of personal interaction as a traditional brick-and-mortar lender
- Does not provide home equity lines of credit (HELOCs) or home equity loans
- May not be able to serve customers with more complex or unique financial situations as well as a larger, more established lender
Mortgage Type
- Mortgage Purchase
- Mortgage Refinance
Sage Refinance Highlights
REFINANCE FIXED APR
Min 5.625%
REFINANCE VARIABLE APR
Min 5.819%
Pros & Cons
- One of the fastest processing times for refinance loans
- Loan officers are dedicated to providing exceptional customer service and are available to assist customers throughout the refinance process
- Flexible repayment options, allowing customers to tailor their loan to their specific financial needs
- Customers may have to pay slightly higher rates or fees compared to other lenders
- May not be able to serve customers with more complex or unique financial situations as well as a larger, more established lender
- There may be costs associated with refinancing a mortgage, such as closing costs and application fees, which could offset any potential savings
Sage Mortgages Terms & Requirements
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.
Step 1
Getting started
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, |
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.
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.
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.
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.
Phone Support
(980) 306-5099
Email Support
hello@sagemortgage.com
Social Media
Headquarters: 1091 Red Ventures Drive Suite 200 Fort Mill, SC 297073801 PGA Boulevard Ste 555 Palm Beach Gardens, FL 33410
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.
Sage Disclaimer
THE WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS WEBSITE ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. WE MAKE NO REPRESENTATION OR WARRANTY REGARDING THE WEB PAGE CONTENT OR ITS USE THEREOF. THE WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS WEBSITE COULD INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS AND COULD BECOME INACCURATE BECAUSE OF DEVELOPMENTS OCCURRING AFTER THEIR RESPECTIVE DATES OF PREPARATION OR PUBLICATION. WE HAVE NO OBLIGATION TO MAINTAIN THE CURRENCY OR ACCURACY OF ANY WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS WEBSITE.
YOU ACKNOWLEDGE AND AGREE THAT WE ARE NOT, AND SHALL NOT BE, RESPONSIBLE FOR THE RESULTS OF ANY DEFECTS THAT MAY EXIST IN THIS WEBSITE OR ITS OPERATION. AS TO THE OPERATION OF THIS WEBSITE, WE EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. WE MAKE NO REPRESENTATION OR WARRANTY THAT (A) THE OPERATION OF THIS WEBSITE WILL MEET YOUR OR ANY OTHER USER’S REQUIREMENTS; (B) ACCESS TO THE WEBSITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR FREE OF ERRORS, VIRUSES OR OTHER HARMFUL COMPONENTS; OR (C) ANY DEFECTS IN THIS WEBSITE WILL BE CORRECTED. YOU AGREE THAT YOU, AND NOT US, WILL BEAR THE ENTIRE COST OF ALL SERVICING, REPAIR, CORRECTION OR RESTORATION THAT MAY BE NECESSARY FOR YOUR DATA, SOFTWARE PROGRAMS OR COMPUTER EQUIPMENT BECAUSE OF ANY VIRUSES, ERRORS OR OTHER PROBLEMS YOU MAY HAVE AS A RESULT OF USING OR VISITING THIS WEBSITE.
Disclosure
This website is an informative comparison site that aims to offer its users find helpful information regarding the products and offers that will be suitable for their needs. We are able to maintain a free, high-quality service by receiving advertising fees from the brands and service providers we review on this website (though we may also review brands we are not engaged with). These advertising fees, combined with our criteria and methodology, such as the conversion rates, our team of reviewer's finding and subjective experience and product popularity, impact the placement and position of the brands within the comparison table. In the event rating or scoring are assigned by us, they are based on the position in the comparison table, or according to other formula in the event specifically detailed by us. See our How we Rate page and Terms of Use for information. The reviews, rating and scoring are provided “as-is” without guaranties or warranties regarding the information contained in our website, which shall not be considered as endorsement. We make the best efforts to keep the information up-to-date, however, an offer’s terms might change at any time. We do not compare or include all service providers, brands and offers available in the market.
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.
9.0
LS SCORE
9.0
CREDIBILITY
9.0
SUPPORT
9.0
ACCESSIBILITY
Email Support
hello@sagemortgage.com
Social Media
Live Chat
Visit Site