Sage Home Loans Reviews 

I recently refinanced my home mortgage through Sage Home Loans, and I couldn't be happier with the experience. From start to finish, the process was smooth, transparent, and incredibly well-managed thanks to the outstanding team especially J.T. Heinz and Tara Harris-Nelson.

J.T. Heinz, my loan officer, was phenomenal. He kept me informed about various loan period options and the corresponding interest rates, helping me make the most informed decision. I had let him know from beginning that I’m looking for lowest possible rates with maximum lender credits. What truly impressed me was his dedication when rates dropped slightly, J.T. was away on a weekend trip to a lake, yet he still went above and beyond to help me lock in the best rate. That level of commitment is rare and deeply appreciated

Throughout the four weeks long process, J.T. stayed on top of every detail, consistently communicating and ensuring the process kept moving forward. Once the rate was locked, Tara Harris-Nelson stepped in and expertly coordinated the documentation process. She made it easy to gather everything needed for closing, and her professionalism and responsiveness were top-notch.

Not only did I receive the best interest rate for my refinance, but Sage Home Loans also offered the lowest lender fees and closing costs compared to the many other lenders. Others either had higher closing fees and similar rates as Sage or lower closing fees but higher rates than Sage but nobody simply could beat Sage’s rates and closing costs all together. So I'm just so grateful to have worked with such a dedicated and knowledgeable team.

Anna and Justin were great to work with!!

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.

They have great rates, reasonable closing costs, and a no-pressure approach that made the process really easy and comfortable.

Wes was great and made the entire process smooth! Thanks for the late night responses and assistance through the entire process!

Worked with Sage Gibson and Aubrey. The whole process was smooth from start to finish and we closed on time

The team was very helpful and accommodating. Walked us through all the process and details and make the process as easy as possible.

Great thanks to JT for walking me through the refinance process. It was easy and smooth from start to finish. I really appreciate the partnership with Robinhood gold members too!

Best rate available on bank rate.com. Went above and beyond to earn my business. Closed on time with a rushed close date. A+

Andrew and Tracy were incredible. They went above and beyond to make sure we had everything we needed to get the job done. 10/10 would recommend.

Sage home lenders are the people to go to when buying a home. No haggle, just straight to the point. They answer the phone when you need them and work till the job is done. Definitely recommend using them when buying a house.

JT was amazing! Extremely smooth and easy process. JT was very knowledgable, explained everything so it was easy to understand, and made the whole process an enjoyable experience. I highly recommend Sage Loans and JT!

I've had several mortgages over the years and this was my first experience with Sage. It was by far the best mortgage experience I've every had. That experience was driven by JT, my Loan Originator who was truly a partner through every step of the process. Sage will be the first company I consider for future mortgage needs.

Martin got the loan done in 30 days with zero hiccups and no surprise add ons.

Probbaly the smoothest refinance I've had to do. JT was awesome and his assistant who made sure all the paperwork was in in time was awesome as well.

Wonderful loan company to work with. Everyone I interacted with throughout the process was knowledgeable and worked to make sure we closed our loan early. Highly recommend!

Justin Heinz and Tammy Wood were great people, they went through my loan, and they finished everything on time and coordinated well with my realtor.