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Seamless Home Loans:
Your Stress-Free Pathway

The Sage Home Loan Team is your premiere mortgage team.

We pride ourselves on offering some of the lowest rates nationwide and making the loan process simple, straightforward, and fast for borrowers seeking a mortgage. Whether you are a first-time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced team can help you take that first step toward a financial solution.

SERVICES

Mortgage Loan Options

Conforming Loans

Mortgages that meet the established criteria set by government-sponsored enterprises.

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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.

Non-Conforming Loans

Mortgages that exceed the loan limits set by government-sponsored enterprises.

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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.

Construction Loans

Specialized financing options designed to support the construction or renovation of a property.

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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.

Multifamily
Residential Loans

Tailored financing solutions for properties with up to four units, such as duplexes, triplexes, and fourplexes.

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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-Qualified Mortgage (Non-QM) Loans

Non-QM loans are a flexible financing option for borrowers who don’t meet traditional mortgage standards.

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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

Bank Statement Programs cater specifically to self-employed individuals, offering an alternative approach to mortgage qualification.

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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.

FHA Loans

Government-backed mortgages that are designed to make home ownership more accessible.

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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.

VA Loans

Exclusive mortgage options that are available to eligible veterans, active-duty service members, and select members of the National Guard and Reserves.

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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.

Conforming Loans

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.

Non-Conforming Loans

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.

Construction Loans

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.

Multifamily Residential Loans

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-Qualified Mortgage (Non-QM) Loans

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

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.

FHA Loans

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.

VA Loans

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.

Mortgage Refinance Options

Cash Out

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.

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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.

Rate and Term

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.

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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

Home Equity Loans enable homeowners to access the equity they’ve built in their property as a lump sum loan.

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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.

Cash Out

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.

Rate and Term

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

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.

Ready to begin the application process?

CALCULATOR

Calculate Monthly Payment*

$

20%

2%

6.5%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

*This calculator is for illustration purposes only and actual payments may vary.

TESTIMONIALS

What Our Clients Say

“3 times we refinanced our home”

Marcelo Guilis was wonderful in the 3 times we refinanced our home. He was able to get us the best rates and terms. He is like family when he represents you. Fantastic and thank you so much!

Steve Cohen

Client

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“Making our home-buying experiences smooth and successful”

We have had the pleasure of working with Marcelo Guilis for several years. When Marcelo worked at other banks such as Wells Fargo, Bank of America, Banc of California  we can confidently say that he has been instrumental in making our home-buying experiences smooth and successful. From our first house to the most recent one, he has consistently exceeded our expectations with his expertise and dedication. What sets Marcelo apart is his deep knowledge of the mortgage industry and his ability to navigate complex processes effortlessly. He always took the time to explain everything thoroughly and patiently, ensuring we understood each step of the mortgage process. His guidance and advice have been invaluable in helping us make informed decisions. He also goes above and beyond to provide exceptional customer service. He is responsive, reliable, and always available to address any concerns.Working with him has been a pleasure, and we are grateful for his dedication and hard work. We wholeheartedly recommend him to anyone in need of a mortgage professional.

Moran & Shalom Shay Gozlan

Living The Dream

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“Always available and happy to go the extra mile”

Marcelo is an out-of-the-box thinker, a problem solver, a team player and also just a great guy.  I have recommended him to many clients and we have worked together twice personally as well.  He’s always available and happy to go the extra mile.  Incredibly versed in his profession, he’s a top notch broker and I highly recommend him.

Tory Herald

Sotheby’s International Realty

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“Truly goes above and beyond to make dreams of homeownership a reality”

I have had the pleasure of working with Marcelo on several real estate transactions, and I couldn’t be happier with the experience. Marcelo’s attention to detail and commitment to finding the best financing solutions for my clients have made my job as a real estate agent much smoother.  I highly recommend Marcelo to anyone seeking a dedicated and professional loan officer for their real estate needs.  Marcelo truly goes above and beyond to make dreams of homeownership a reality.

Brielle Liv Bacal

World of Luxury Estates

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“Truly grateful for his expertise and efficiency”

Marcelo was outstanding in assisting us with refinancing our home.  Not only was he able to secure an incredible rate and favorable terms, but he also handled the entire process with the utmost professionalism and speed.  We are truly grateful for his expertise and efficiency in making this happen.

C&K Boltiansky

Client

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“Trustworthy in a day and age when trusting is difficult”

We are writing this to let you know how much we appreciate the way you have helped us with our financial needs over the years. We have come to the realization that it is not just about putting us into a loan to benefit you, but you have made a point of advising us what would be in our best interest. That kind of integrity is difficult to find in this day and age. You have treated us very honorably and as a result we have grown to trust you. If there is a time when we need to look for another loan there is nowhere else we would think of applying. We are writing this to thank you for being trustworthy in a day and age when trusting is difficult!

John and Wendy Esson

Client

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“Utmost professionalism and integrity”

I have had the pleasure of working with Marcelo for many years. If you are looking for a knowledgeable mortgage broker, Marcelo is your guy.  As a seasoned real estate broker, I feel confident recommending Marcelo to my valued clients for all their financial needs.  Marcelo has been able to close numerous challenging loans and I have every confidence that my clients will be treated with the utmost professionalism and integrity.

Nancy Pelegrino

Pelegrino Properties

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SAGE HOME LOAN

Meet Marcelo

Passion for the Business and His Clients

Marcelo has a strong passion for real estate, finance, and the art of putting a deal together.

Based in California, Marcelo has been originating loans for the past 18 years. Over the years, Marcelo has helped thousands of clients achieve home ownership or meet their mortgage financial goals.

Marcelo is renowned in California for getting deals done that no one else can. His “whatever it takes” attitude is one of the reasons that over 70% of his business is repeat clientele.

CONTACT

Get in Touch

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