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Sage Mortgage Review {year}

Michael Graw
Aug. 18, 2021
3 min read
Michael Graw
Sage Mortgage Summary
Sage Mortgage is an online mortgage lender owned by Red Ventures, the company that owns Bankrate. Sage offers financing for new home purchases and mortgage refinancing, and it enables you to complete the application process online. The company offers competitive rates, but you’ll need to undergo a soft credit check before you can see a rate quote. If you need help with your application, Sage Mortgage offers weekday support by phone and email.


  • Fully online application process
  • Competitive rates
  • Phone and email support


  • Soft credit check required to see rates
  • Only available in 10 states

Sage Mortgage at a glance

Editorial score

Customer Service and Support

Excellent customer service

Variety of Loan Types

Purchase, refinance, FHA, cash-out refinance

Variety of Products

15-30 years, Fixed and ARM

Online Experience

Online access to rates

Geographical Availability

Available in 19 states and counting


Sage Mortgage is a relatively new mortgage lender that can fund your new home purchase or mortgage refinance quickly. The application process takes place entirely online, and you can pre-qualify for a loan in just a few minutes. Sage Mortgage also lets you connect your bank account to automate the process of supplying supporting documentation for your loan application. In most cases, mortgages and refinance loans through Sage Mortgage close in less than 28 days.

Suitable For?

Sage Mortgage is most suitable for new home buyers or current homeowners who want a do-it-yourself mortgage or refinancing option. The online application process is simple to navigate and makes it easy to add all the documentation you need for your loan by linking directly with your bank account. Sage Mortgage is also able to close loans quickly—typically within 28 days—which is a plus if you’re in a hurry.

One thing to note is that Sage Mortgage is currently only available in a handful of states. You must be located in California, Colorado, Florida, Georgia, Minnesota, North Carolina, Oklahoma, Oregon, South Carolina, or Texas to use this lender.

Types of Loans/Products

Sage Mortgage offers conventional fixed and adjustable-rate mortgages with 15, 20, and 30-year repayment terms. Loans are capped at $548,250, the maximum conforming loan size for 2021, and a maximum loan-to-value ratio of 90%. Sage Mortgage also offers conventional, or FHA-backed mortgage refinance loans. You can choose between a standard mortgage refinance or a cash-out refinance loan. Sage Mortgage requires a minimum credit score of 660 for conventional loans. 

  • Fixed-rate or adjustable-rate loans
  • Minimum 660 credit score for conventional loans
  • Maximum loan-to-value ratio of 90%
  • Maximum debt-to-income ratio of 50%
  • Loan terms of 15, 20, or 30 years

The Application Process

Sage Mortgage’s application process is carried out entirely online. To get a rate quote and pre-qualify for a loan, you’ll need to enter information, including the value of the property you want to purchase or refinance, your income, and your credit score. Sage Mortgage will run a soft credit check, which doesn’t impact your credit score, to offer loan rates and terms.

If you want to move forward with Sage Mortgage as your lender, you can complete your application by providing bank statements and pay stubs. You can connect your bank account to automate this process or upload bank statements manually. You will also need to provide proof of insurance when applying for a mortgage refinance.

Once your loan is approved, Sage Mortgage can typically close within 28 days.

Repayment Terms

Sage Mortgage offers 15, 20, and 30-year loans with either fixed or adjustable rates. 

Help & Support

Sage Mortgage offers customer support by phone and email, from 9 am–5 pm (ET) Monday to Friday. 

Phone: (877) 219-6115



Sage Mortgage is a relatively new lender that’s simplifying the process of getting a mortgage or home refinance loan. The application process is done entirely online, and you can pre-qualify for a loan in minutes. Most loans close in under 28 days. The only catch is that Sage Mortgage is currently only available in 10 states, so this lender isn’t an option for everyone.


What states does Sage Mortgage operate in?

Sage Mortgage is available in California, Colorado, Florida, Georgia, Minnesota, North Carolina, Oklahoma, Oregon, South Carolina, and Texas.

Does Sage Mortgage offer HELOCs?

Sage Mortgage offers cash-out refinance mortgages but not home equity loans or HELOCs.

Does Sage Mortgage offer government-backed mortgages?

Sage Mortgage offers FHA-backed refinance loans but not VA or USDA mortgages.

How do I get help with Sage Mortgage’s application process?

Sage Mortgage assigns you a loan officer when you apply for a mortgage. You can also call or email the company’s support team to get assistance with your loan.

Physical Address 

Sage Mortgage, 1423 Red Ventures Drive, Suite 505, Fort Mill, SC 29707


This review was created using information from the Sage Mortgage website and Bankrate.

Michael Graw
Written by
Michael Graw
Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

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