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Sage Home Lending

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United States
West Reno, NV
Sage Home Lending

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.

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

08/20/2026

🏡 Have a 3% mortgage? PLEASE don’t refinance it just because you need cash.

Yes, I'm a mortgage broker telling you not to refinance. 😂

If you locked in one of those beautiful 2.5%, 3%, or 3.5% rates, that mortgage is valuable.

Let's say you owe $350,000 at 3%, but you need $75,000 from your equity.

A cash out refinance doesn't just put a new rate on the $75,000 you need. It can mean replacing the entire $350,000 low rate mortgage too.

There may be a better strategy.

🏡 Keep your existing low rate first mortgage
💰 Use a HELOC for flexible access to equity
🔑 Consider a fixed second mortgage
📊 Compare the blended cost against a cash out refinance

Sometimes a higher rate on $75,000 can make a lot more sense than putting $425,000 at a higher rate.

That's why I don't think the conversation should start with, “What's the rate?”

It should start with, “What are you trying to accomplish?”

I break it all down in my newest blog:
https://www.sagehomelending.com/refinance-3-percent-mortgage/

You Have a 3% Mortgage. Please Don't Refinance It.

And if the math says you shouldn't refinance?

I'll happily tell you not to. 😊

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

08/14/2026

🎓 College rent is INSANE. So…what if you bought the house instead? 🏡

If you're already planning to help pay for your child's housing for the next four years, this is a strategy worth looking at.

Instead of sending thousands of dollars to a landlord every year, what if your family owned the property?

Think about the possibilities:

🏡 Build equity instead of just paying rent
👯 Roommates could help offset some of the housing costs
🎓 Your student has a place to live throughout college
🔑 After graduation, you could potentially sell it, keep it as a rental, or use it for another child
💰 An unavoidable college expense could potentially become a long term asset

Does buying always make more sense? Absolutely not.

But before automatically signing leases for the next four years, I'd at least want to see the math.

I broke down the different ways this could work in my newest blog:

College Rent Is Insane. What If You Bought the House Instead?

📞 775-204-6698

Know someone sending a kid off to college? Tag them. They may not even realize this is something they could consider.

08/06/2026

💰 Do you really need a 20% down payment to buy a home?

One of the biggest myths about buying a home is that you need a huge amount of money saved before you can even think about becoming a homeowner.

The truth? That isn't the case for many buyers.

When planning to buy a home, it's important to understand all the costs involved, including:

🏡 Down payment
💵 Closing costs
🤝 Seller credits that may reduce your cash to close
🎁 Gift funds from eligible family members
📦 Moving expenses and setting aside emergency savings

Every buyer's situation is different, which is why creating a personalized plan is so important.

I just published a new blog that explains how much money you really need to buy a home, breaks down the costs, and shares ways you may be able to reduce your upfront expenses.

If buying a home is one of your goals, I'd love to help you create a strategy that fits your budget and your timeline.

📞 775-204-6698

💬 Question: Before buying your first home, what did you think was the biggest expense? Or, if you're just getting started, what's your biggest question about buying a home? Let me know in the comments!

08/01/2026

Thinking about buying a home? Most people don't know where to start.

The first step isn't scrolling through Zillow or touring open houses.

It's creating a plan.

Before you fall in love with a home, it's important to understand:
🏡 What you can comfortably afford
💰 Your down payment options
📋 Which loan program is the best fit
✔️ What your monthly payment could look like
📅 Your timeline for buying

A little planning upfront can save you time, reduce stress, and help you avoid costly surprises.

I just published a new blog, "Want to Buy a Home? Here's Where to Start," where I walk through the six steps that can help make your home buying journey smoother and more successful.

Whether you're a first-time homebuyer or it's been years since your last purchase, having the right strategy can make all the difference.

📞 If you're thinking about buying a home, I'd love to help you create a plan that fits your goals.

What's the biggest question you have about buying a home? Leave it in the comments, and I'll be happy to answer it!

📱 775-204-6698

07/23/2026

Not all investment property loans are created equal.

One of the biggest misconceptions I hear is:

"I need perfect tax returns to qualify for an investment property."

That's simply not true.

Depending on your situation, there may be financing options that let you qualify using:

🏡 The property's rental income (DSCR)
📊 Bank statements instead of tax returns
🌎 Foreign National programs
🆔 ITIN financing
📁 Traditional full documentation
💰 Cash flow-based loan options

The key is finding the loan that fits your investment strategy, not trying to force your situation into one program.

I just published a new blog breaking down 6 investment property loan options and explaining who each one is designed for.

Whether you're buying your first rental property or adding to your portfolio, understanding your financing options can help you make smarter investment decisions.

📞 Have questions? I'd be happy to help you compare your options.
775-204-6698

Which type of investment property are you most interested in?
🏠 Single-family rental
🏢 Multifamily
🌴 Short-term rental (Airbnb/VRBO)
🏖️ Vacation home
🏬 Commercial

Drop your answer in the comments!

07/16/2026

Most people walk into a fixer upper and immediately think, "No way."

I walk in and think, "This could be a great opportunity."

An FHA 203(k) loan allows you to finance both the purchase of the home and eligible renovations with one mortgage. That means you may not need to find the perfect home—you can create it.

Some improvements may include:
• Kitchen remodels
• Bathroom updates
• New flooring
• Roof replacement
• HVAC
• Windows
• And much more

With inventory still tight, expanding your search to homes that need a little TLC could open doors you didn't know existed.

I just published a new blog explaining how FHA 203(k) loans work and who they might be a good fit for.

https://www.sagehomelending.com/fha-203k-loan-fixer-upper/

Would you rather buy a move-in ready home or customize a fixer upper to make it your own?

07/09/2026

There's a lot of misinformation out there about reverse mortgages.

I've heard people say:
"Doesn't the bank take your house?"
"My kids won't inherit anything."
"I'll lose all my equity."

The truth is, most of those beliefs simply aren't true.

I just wrote a new blog covering the 7 biggest reverse mortgage myths and explaining how they really work.
https://www.sagehomelending.com/reverse-mortgage-myths/

If you're over 62, or helping your parents plan for retirement, I think you'll find it helpful.

As always, if you have questions, I'm happy to help.

07/02/2026

I don't think a lot of veterans realize this...

If you're eligible for a VA Cash Out Refinance, you may be able to refinance up to 100% of your home's value. That's a pretty incredible benefit that most loan programs don't offer.

I've seen people use it to pay off credit cards, remodel their home, build up savings, or just get in a better financial position.

Now, it's definitely not the right move for everyone, especially if you have a really low interest rate. Every situation is different, and sometimes the best advice is to leave your current mortgage alone.

I just finished a blog that breaks down how it works, who qualifies, and when it might make sense.

I'll drop the link in the comments if you want to check it out.

As always, if you're wondering whether it would make sense for your situation, shoot me a message. I'm happy to run the numbers with no pressure.

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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