Mortgages that meet the established criteria set by government-sponsored enterprises. These loans typically have lower interest rates and more favorable terms due to their adherence to these standards. Sage Home Loan specializes in providing hassle-free access to conforming loans for various types of borrowers.

Mortgages that exceed the loan limits set by government-sponsored enterprises. These loans are designed for high-value properties and borrowers seeking larger financing options. We assist clients in navigating the complexities of non-conforming loans to secure the funding you need for your unique real estate goals.

Specialized financing options designed to support the construction or renovation of a property. Unlike traditional mortgages, these loans provide funds in stages as the construction progresses. Sage Home Loan specializes in guiding borrowers through the intricacies of construction loans, helping you turn your vision of a dream home into a tangible reality.

Tailored financing solutions for properties with up to four units, such as duplexes, triplexes and fourplexes. These loans are designed to help individuals invest in/purchase residential properties with multiple units. Sage Home Loan excels at assisting clients in securing Multifamily Residential Loans, making the process seamless and efficient if you are trying to expand your real estate portfolio.

Non-QM loans are a flexible financing option for borrowers who don’t meet traditional mortgage standards. These loans consider alternative factors beyond strict income and credit requirements, accommodating individuals with unique financial situations. We specialize in facilitating Non-QM loans, providing personalized solutions for clients seeking a mortgage outside of the conventional criteria, ensuring access to home ownership for a wider range of borrowers.

Bank Statement Programs cater specifically to self-employed individuals, offering an alternative approach to mortgage qualification. Instead of relying solely on traditional income verification methods, these programs consider bank statements and cash flow to determine eligibility. We excel at guiding self-employed clients through Bank Statement Programs, ensuring a smooth path to homeownership by leveraging your financial strengths and achieving your real estate goals.

Government-backed mortgages that are designed to make home ownership more accessible. These loans offer lower down payment options and more lenient credit requirements, making them an ideal choice for first-time homebuyers and those with limited credit history. At Sage Home Loan, we specialize in assisting clients with FHA Loans, helping you navigate the application process and secure affordable financing.

Exclusive mortgage options that are available to eligible veterans, active-duty service members, and select members of the National Guard and Reserves. Backed by the U.S. Department of Veterans Affairs, these loans offer favorable terms, including no down payment and competitive interest rates. Sage Home Loan is dedicated to serving those who have served our country by providing expert guidance and support in obtaining VA Loans, ensuring veterans and military personnel can access the
benefits they deserve.

Cash Out Refinance is a strategic mortgage option that allows homeowners to tap into their home equity by refinancing their existing mortgage for a higher amount than what is owed. This provides access to a lump sum of cash that can be used for various purposes, such as home improvements, debt consolidation, or other financial needs. At
Sage Home Loan, we specialize in helping homeowners navigate the benefits of Cash Out Refinance, providing tailored solutions to unlock the potential of your property’s equity.

A Rate and Term Refinance is a mortgage solution that allows homeowners to adjust the interest rate, loan term, or both, of their existing mortgage without pulling out additional cash. This option is often chosen to secure a lower interest rate, shorten the loan term, or change from an adjustable-rate mortgage to a fixed-rate mortgage. We facilitate Rate and Term Refinances, providing you with the opportunity to optimize your mortgage terms and potentially reduce your monthly payments, all while streamlining the process for a more favorable financial future.

Home Equity Loans enable homeowners to access the equity they’ve built in their property as a lump sum loan. This type of financing is secured by the value of your home and can be used for various purposes such as home improvements, education expenses, or consolidating
high-interest debts. Sage Home Loan is your expert partner in navigating Home Equity Loans, offering personalized assistance to help you leverage your property’s value.