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Sage Home Lending

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West Reno, NV
Sage Home Lending

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I help Nevada buyers, homeowners and investors use mortgage strategy to build long-term wealth.

Mortgage Strategist helping Nevadans build wealth through real estate.

🏡 Homebuyers | Investors | Government Loans | Reverse Mortgage

It's a Plan, not just a loan

NMLS #262451 | Sage Home Lending NMLS #2558396

Equal Housing Opportunity 🏡 VA loans are a passion but we structure ALL loan types (Conventional, FHA, USDA, Jumbo, investor and refi). My focus is clarity, speed, and helping you make smarter financial decisions every step of the way.

10/17/2026

💰 Your tax return says you’re broke. Your bank account disagrees.

Welcome to being self employed. 😂

I see this all the time. A business owner has strong cash flow, money coming into the bank every month and a successful business…

Then they apply for a mortgage and hear:

“According to your tax returns, you don't make enough.”

That doesn't necessarily mean the conversation is over.

Depending on the situation, there may be other ways to qualify, including:

🏦 Bank statement programs
📊 P&L programs
💰 Asset based qualification
🏠 DSCR loans for investment properties

A mortgage without tax returns doesn't mean no documentation. It means we may be able to document income differently.

This is also exactly what we're covering at our next The Wealth Table: No Tax Returns for Self Employed Borrowers.

Before changing your tax strategy or assuming you can't buy, let's look at the options.

📞 775-204-6698
Sage Home Lending | NMLS #262451

10/08/2026

🏡 Your house might be part of your retirement plan. Have you planned for that?

When people think about retirement planning, they usually think about their 401(k), Social Security, investments and savings.

But what about one of the biggest assets they own?

Their house.

This came up at our latest The Wealth Table, where we talked about making your money last in retirement. It sparked a bigger conversation about how housing decisions can fit into the overall picture.

Maybe you're thinking about:
🏠 Downsizing
💰 Paying cash for your next home
🔑 Using some of your home equity
📦 Moving before you retire
🌴 Keeping more cash available for retirement
🏡 Staying right where you are

There isn't one right answer.

Your housing strategy and your retirement strategy shouldn't necessarily be two completely separate conversations.

That's what my newest blog is about.

Before you sell, downsize or put all of your cash into your next home, let's look at the options and run the numbers.

📞 775-204-6698
Sage Home Lending | NMLS #262451

10/03/2026

A little look inside The Wealth Table 💜
Great conversations, great people, and real-world mortgage strategies Realtors can actually use with their clients.
Twice a month, we get together in Reno to talk financing strategies, unique loan programs, and what’s happening in the market — over lunch, of course.
Want an invite to the next one? Comment TABLE or send me a message!
The Wealth Table | Sage Home Lending
NMLS #2558396

10/01/2026

🏠 You have $200,000 in home equity… but you DON’T want another monthly payment. Now what?

A lot of homeowners are sitting on substantial equity but don't want to:
❌ Give up their low mortgage rate
❌ Add a HELOC payment
❌ Do a cash out refinance
❌ Add another traditional monthly loan payment

There may be another option.

A Home Equity Investment (HEI) may allow eligible homeowners to access a portion of their home equity without taking out a traditional loan and without a traditional monthly loan payment.

Sounds amazing, right?

But there's a tradeoff, and it's important to understand exactly how an HEI works and what it could cost you in the future.

That's why my newest blog covers:
✅ How an HEI works
✅ How you eventually settle it
✅ HEI vs. HELOC
✅ HEI vs. cash out refinance
✅ Potential costs and considerations
✅ Who might consider one

No monthly payment doesn't mean no cost.

My goal is to show you ALL of your options so you can decide what makes sense for your situation.

Have equity and wondering what you can do with it? Let's run the numbers.
📞 775-204-6698

Sage Home Lending | NMLS #262451

09/24/2026

You have a 3% mortgage and $50,000 in credit card debt. Now what?

“I would NEVER refinance my 3% mortgage.”

I hear that all the time. And I get it.

But what if you're also carrying $30K, $50K or more in high interest debt?

Now we need to look at more than your mortgage rate.

You may have substantial equity sitting in your home while credit cards, personal loans and other payments are eating up thousands of dollars every month.

Does that mean you should do a cash out refinance?

Absolutely not automatically.

Maybe we leave that 3% mortgage completely alone.

Maybe a HELOC or home equity loan makes more sense.

Maybe a cash out refinance improves the overall picture enough that it's worth considering.

The point is: DON'T make the decision based on one interest rate.

Look at ALL of the debt.
Look at ALL of the payments.
Look at the cost of each option.
Then build a plan.

I break down the options in my newest blog.

Have equity but feel buried in monthly debt payments? Let's run the numbers before you make a move.

📞 775-204-6698
Sage Home Lending | NMLS #262451

09/17/2026

✋ STOP asking the seller to lower the price.

At least until you’ve run the numbers.

Let’s say you’re buying a $500,000 home and the seller is willing to give up $10,000.

Would you rather have:

🏡 $10,000 off the purchase price

OR

💰 $10,000 as a seller credit

Most buyers immediately choose the lower price.

But here’s what they may not realize:

On a 30 year mortgage at 6.5%, financing $10,000 less only reduces the principal and interest payment by about $63/month.

That same $10,000 as a seller credit could potentially help with:

✅ Closing costs
✅ A permanent rate buydown
✅ A temporary buydown
✅ Prepaid expenses
✅ Keeping more of YOUR cash in the bank

Sometimes the lower price wins. Sometimes the seller credit wins. Sometimes we split the difference.

The important part is running the numbers BEFORE your Realtor writes the offer.

I break down the different strategies in my newest blog. 👇

📞 775-204-6698
Sage Home Lending | NMLS #262451

09/10/2026

Something new is happening at the table. 🍽️

I created The Wealth Table, a local Lunch & Learn series designed for Reno and Sparks Realtors who want practical education, real conversations, and strategies they can actually use with their clients.

Each event will feature a different topic, rotating guest experts, and plenty of opportunity to ask questions about the real-world scenarios we run into every day.

🏡 Real estate & lending strategies
💡 New topics and practical education
🤝 Local industry experts
💬 Real questions. Real conversations.
🥗 Lunch is on us!

The Wealth Table is hosted locally at First Centennial Title in Reno, and seating is intentionally limited to keep the classes conversational.

Created for Realtors. Built around real-world deals.

See what's happening at the table and reserve your seat:
sagehomewealth.com/the-wealth-table

09/03/2026

You have $100,000. Should you put ALL of it down on the house? 🏡

Maybe. But not automatically.

A bigger down payment can lower your loan amount and monthly payment and may reduce or eliminate mortgage insurance.

But before putting every available dollar into the house, I want to know:

What does the rest of your money need to do after closing?

Maybe you need to:

💰 Keep an emergency fund
💳 Pay off higher interest debt
🏠 Make improvements after closing
📈 Keep some money invested
🔑 Save toward another property
🛋️ Cover moving and new home expenses

Sometimes 20% down makes perfect sense.

Sometimes 10% or even 5% may fit the bigger financial plan better.

The goal isn't to put the least amount down.

The goal is to choose your down payment intentionally.

My newest blog breaks down what to consider when deciding how much to put down on a house.

Have money saved for a home purchase? Let’s run the numbers a few different ways before deciding where every dollar should go.

📞 775-204-6698
Sage Home Lending | NMLS #262451

08/27/2026

💰 You make plenty of money. So why did the mortgage company say NO? 🏡

This happens more often than you might think.

You can have great cash flow, money in the bank and a successful career or business and still hear:

“We can’t use all of that income.” 😳

Why?

Because making money and qualifying for a mortgage are not always the same thing.

This can especially affect people with:

💼 Self employment income
💰 Commission or bonus income
🏠 Rental income
📈 Investment or retirement income
📄 Trust income
🏢 Business income

But here's the important part:

One loan not working doesn't necessarily mean you can't buy a home.

Sometimes we need to look at the income differently. Sometimes we need a different loan program. And sometimes we simply need a plan to get you mortgage ready.

That's why I want to understand how you make your money, not just how much you make.

I break it all down in my newest blog:https://www.sagehomelending.com/qualifying-for-a-mortgage-income/

You Make Plenty of Money. So Why Did the Mortgage Company Say No?

If you've been told you don't qualify, let's figure out why before you give up.

📞 775-204-6698
Sage Home Lending | NMLS #262451

Address

100 N. Arlington Avenue Suite 340C
West Reno, NV
89501

Opening Hours

Monday	9am - 8pm
Tuesday	9am - 8pm
Wednesday	9am - 8pm
Thursday	9am - 8pm
Friday	9am - 8pm
Saturday	9am - 5pm

Telephone

+17752046698

Website

http://sagehomelending.com/

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