Sage Home Lending

06/04/2026

Everyone wants the lowest mortgage rate.

I get it. It's usually the first question people ask.

But what if the lowest rate actually costs you more?

I've seen borrowers spend thousands of dollars upfront to buy down their rate, only to refinance, move, or pay off the loan before they ever recover the cost.

The result?

They paid more money for a "better" rate.

The smartest mortgage isn't always the one with the lowest rate.

It's the one that aligns with your goals, timeline, and overall financial strategy.

Before you lock your loan, make sure you're looking at the full picture- not just the interest rate.

I break it down in my newest blog:
Why the Lowest Rate Often Costs the Most
https://www.sagehomelending.com/lowest-mortgage-rate-costs-more/

Have you ever compared mortgage options beyond just the rate?

👇 Let me know in the comments.

05/30/2026

Open House Today!

Thinking about buying a home but not sure where to start?

I'll be at today's open house answering questions about financing, down payment options, credit scores, monthly payments, and what it really takes to buy in today's market.

A lot of buyers are surprised to learn they may qualify sooner than they think.

Stop by, take a look at the home, and let's talk strategy. Even if you're just starting to think about buying, I'm happy to help.

📍 Come tour the home
🏡 Explore your options
💰 Learn what your buying power looks like
☕ No pressure, just good information

If you can't make it but want to know what you qualify for, send me a message and I'll run numbers for you without pulling your credit.

05/28/2026

Most people think you need a traditional paycheck to qualify for a mortgage.

That’s not always true.

I work with retirees, investors, and high net worth buyers who qualify using retirement accounts, investments, and liquid assets instead of W2 income.

If you’ve spent years building wealth, your assets may be able to work for you.

Asset based mortgage programs can help:
• Retirees buying their next home
• Investors growing portfolios
• Clients living off investments
• Buyers with low taxable income but strong assets
• High net worth borrowers preserve retirement strategies

One of the biggest mistakes I see is people assuming they can’t qualify without a paycheck.

There may be more options available than you realize.

If you want me to review a scenario, message me.

Rashelle Kotch
Mortgage Strategist | Owner
Sage Home Lending
NMLS #262451

05/22/2026

Evening in Blue 💙
A beautiful night surrounded by incredible people, meaningful conversations, and a cause that truly matters.
This is what community looks like.

05/21/2026

10 Loans vs 1 Blanket Loan… which one actually builds more wealth?

I’m working on a 10-unit deal right now and this is the exact conversation we’re having.

Most investors think a blanket loan is the easier route…
and upfront, it is.

But here’s what actually matters long term:

With separate loans you get:
✔ More flexibility
✔ Control over each property
✔ The ability to sell or refinance individually

With a blanket loan:
✔ Simpler upfront
❌ Everything is tied together

And in this market, flexibility is everything.

I’m seeing more investors shift away from blanket loans and structure their financing for long-term growth instead of short-term convenience.

If you’re buying (or thinking about buying) multiple properties, I’ll run both scenarios so you can see exactly what makes the most sense for your goals.

Drop a message or comment “INVEST” and I’ll send you a breakdown 👇

05/14/2026

Who’s actually buying homes right now?

It’s not who most people think…

👀 Baby Boomers: 42%
👀 Millennials: 26%
👀 Gen X: 25%

A lot of buyers today are coming in with equity or cash, not just financing.

So if buying has felt harder… you’re not wrong.

But here’s the shift 👉
It’s not just about getting approved
It’s about how your offer is structured

That’s how my clients are still winning

DM me “BUY” or text 775-204-6698 if you want to see your numbers

05/14/2026

Who’s actually buying homes right now?

It’s not who most people think…

Baby Boomers: 42%
Millennials: 26%
Gen X: 25%

That means a lot of buyers you’re competing with are coming in with equity or cash, not just financing.

So if buying has felt harder lately… you’re not wrong.

But here’s the thing most people miss:
It’s not just about getting pre-approved anymore.
It’s about how your offer is structured.

That’s where I come in.

I help my clients:
• Compete with stronger offers
• Use lender credits to reduce cash out of pocket
• Lower payments upfront with smart strategies
• Set up a refinance plan before closing

Because the goal isn’t just to get into a house… it’s to do it the right way.

If you’re thinking about buying or just want to see what your numbers look like, send me a message or text me at 775-204-6698.

Comment “BUY” and I’ll run your numbers 👍

05/08/2026

Here’s the full breakdown I mentioned: https://www.sagehomelending.com/reno-first-time-home-buyer-ready-sooner/

Most people think they’re at least a year away from buying a home…

But when I actually run the numbers?

They’re usually a lot closer than they think.

I talked to a first time home buyer in Reno this week who thought they needed:
– better credit
– way more savings
– and more time

Reality was… they were already in a position to start planning now.

Not because everything was perfect
But because they finally had a strategy

You don’t need:
– 20% down
– perfect credit
– or to “time the market perfectly”

You just need to know what your options actually look like.

If you’ve been sitting there thinking “I’ll do it next year”…

it might be worth double checking that.

Worst case, you get a clear plan
Best case, you’re in a home sooner than you expected

Comment PLAN or message me and I’ll send you the full breakdown 👍

05/08/2026

Most people think they’re at least a year away from buying a home…

But when I actually run the numbers?

They’re usually a lot closer than they think.

I talked to a first time home buyer in Reno this week who thought they needed:
– better credit
– way more savings
– and more time

Reality was… they were already in a position to start planning now.

Not because everything was perfect
But because they finally had a strategy

You don’t need:
– 20% down
– perfect credit
– or to “time the market perfectly”

You just need to know what your options actually look like.

If you’ve been sitting there thinking “I’ll do it next year”…

it might be worth double checking that.

Worst case, you get a clear plan
Best case, you’re in a home sooner than you expected

Comment PLAN or message me and I’ll send you the full breakdown 👍