Sage Home Loans | Robinhood

Sage Home Loans

You can now take advantage of discounted mortgage rates powered by Sage Home Loans Corporation.

  • Rate discount: Get a discounted mortgage rate on a new or refinanced home loan that’s up to 0.75% lower than average with no asset minimum required.

  • $500 credit: Get an additional $500 credit toward your closing costs.

Keep in mind

Because this offer is part of a rolling release, you may not have access to it just yet.

Who’s eligible?

  • All Robinhood customers can apply for a loan with Sage. However, to lock in a discounted mortgage rate with Sage and get a $500 credit toward closing costs, you either need to be a member of or we’ll automatically upgrade you to our annual Robinhood Gold subscription.
  • You must apply and qualify per Sage’s disclosures for either a new home loan or a refinanced mortgage through Sage with the steps described in How to apply.

How to apply?

You can apply for a Sage home loan and if you qualify, lock in a discounted rate by following these steps:

  1. Go to Gold hubUse your perks, and then select Exclusive mortgage rate to view this perk
  2. Select one of the following:
  • Continue to view more details about how it works
  • Preview your rate to view an estimated mortgage rate and details about the loan
  1. In How it works, select Continue
  2. In First step, select whether you’re buying a new home or refinancing, and then select Start Sage application
  3. In Welcome to Sage, follow the on-screen instructions from Sage to get pre-qualified, complete your application, and lock in your discounted rate

After you lock in a discounted rate, if you’re not already a member of the annual Robinhood Gold subscription, we’ll automatically upgrade you to the annual plan. For questions about Robinhood Gold, refer to What’s Robinhood Gold?

Disclosures

Robinhood isn’t affiliated with and doesn’t endorse Sage Home Loans as a third-party service, application, or its respective sponsors. Robinhood isn’t responsible for the content of this third-party service or the collection or use of information by the third-party service regarding its customers.

Robinhood Gold is a subscription-based membership program of premium services offered through Robinhood Gold, LLC.

The discounted mortgage rate and $500 credit toward closing costs are Robinhood Gold offers. The rate average is calculated based on a set of assumptions. Your actual rates and savings may vary based on your specific scenario.

Following your mortgage loan application submission, Sage will determine whether the borrower meets its eligibility criteria, applicable underwriting conditions, and the requirements of its investors and/or agencies, including but not limited to the Federal National Mortgage Association (“FNMA”), the Federal Home Loan Mortgage Corporation (“Freddie Mac”), the Federal Housing Administration (“FHA”), or the United States Department of Veterans Affairs (“VA”). Robinhood acknowledges that Sage does not offer loans that are not “Qualified Mortgages,” as defined by the Consumer Financial Protection Bureau. In addition, Sage requires that the following requirements are met:

  • Property cannot be located in the state of New York
  • Loan amounts must range between $100,000 and $3,000,000
  • Borrower must have a minimum FICO score of 580
  • Property cannot be a mobile home or manufactured housing

For full details, review Sage’s privacy notice and disclosures that are available during the loan application process.

For questions or assistance with their loan application process, reach out to Sage’s Support team at hello@sagehomeloans.com or (833) 820-2012.

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All investing involves risk.

Brokerage services are offered through Robinhood Financial LLC, (“RHF”) a registered broker dealer (member SIPC), and clearing services through Robinhood Securities, LLC, (“RHS”) a registered broker dealer (member SIPC).

Futures and cleared swaps trading is offered by Robinhood Derivatives, LLC, (“RHD”) a registered futures commission merchant with the Commodity Futures Trading Commission (CFTC) and a Member of the National Futures Association (NFA). RHD is not FDIC insured or SIPC protected.

Cryptocurrency services are offered through an account with Robinhood Crypto, LLC (“RHC”) (NMLS ID: 1702840). Robinhood Crypto is licensed to engage in virtual currency business activity by the New York State Department of Financial Services. Review a list of RHC's licenses for more information. Cryptocurrency held through Robinhood Crypto is not FDIC insured or SIPC protected.

The Robinhood spending account is offered through Robinhood Money, LLC (“RHY”) (NMLS ID: 1990968), a licensed money transmitter. Review a list of our licenses for more information.

The Robinhood Cash Card is a prepaid card issued by Sutton Bank, Member FDIC, pursuant to a license from Mastercard® International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

Robinhood Gold Card is subject to credit approval and underwriting. Robinhood Gold Card is offered by Robinhood Credit, Inc., and is issued by Coastal Community Bank, pursuant to a license from Visa U.S.A. Inc. Robinhood Credit, Inc. (“RCT”), is a financial technology company, not a bank.

Robinhood Gold is a subscription-based membership program of premium services offered through Robinhood Gold, LLC (“RHG”).

RHF, RHY, RHC, RCT, RHG, RHD, and RHS are affiliated entities and wholly owned subsidiaries of Robinhood Markets, Inc. RHF, RHY, RHC, RCT, RHG, RHD, and RHS are not banks. Investing products offered by RHF are not FDIC insured and involve risk, including possible loss of principal.

RHY is not a member of FINRA, and products are not subject to SIPC protection, but funds held in the Robinhood spending account and Robinhood Cash Card account may be eligible for FDIC pass-through insurance (review the Robinhood Cash Card Agreement and the Robinhood Spending Account Agreement).

Options trading entails significant risk and is not appropriate for all customers. Customers must read and understand the Characteristics and Risks of Standardized Options before engaging in any options trading strategies. Options transactions are often complex and may involve the potential of losing the entire investment in a relatively short period of time. Certain complex options strategies carry additional risk, including the potential for losses that may exceed the original investment amount.

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Robinhood, 85 Willow Road, Menlo Park, CA 94025. © 2025 Robinhood. All rights reserved.
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All investing involves risk.

Brokerage services are offered through Robinhood Financial LLC, (“RHF”) a registered broker dealer (member SIPC), and clearing services through Robinhood Securities, LLC, (“RHS”) a registered broker dealer (member SIPC).

Futures and cleared swaps trading is offered by Robinhood Derivatives, LLC, (“RHD”) a registered futures commission merchant with the Commodity Futures Trading Commission (CFTC) and a Member of the National Futures Association (NFA). RHD is not FDIC insured or SIPC protected.

Cryptocurrency services are offered through an account with Robinhood Crypto, LLC (“RHC”) (NMLS ID: 1702840). Robinhood Crypto is licensed to engage in virtual currency business activity by the New York State Department of Financial Services. Review a list of RHC's licenses for more information. Cryptocurrency held through Robinhood Crypto is not FDIC insured or SIPC protected.

The Robinhood spending account is offered through Robinhood Money, LLC (“RHY”) (NMLS ID: 1990968), a licensed money transmitter. Review a list of our licenses for more information.

The Robinhood Cash Card is a prepaid card issued by Sutton Bank, Member FDIC, pursuant to a license from Mastercard® International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

Robinhood Gold Card is subject to credit approval and underwriting. Robinhood Gold Card is offered by Robinhood Credit, Inc., and is issued by Coastal Community Bank, pursuant to a license from Visa U.S.A. Inc. Robinhood Credit, Inc. (“RCT”), is a financial technology company, not a bank.

Robinhood Gold is a subscription-based membership program of premium services offered through Robinhood Gold, LLC (“RHG”).

RHF, RHY, RHC, RCT, RHG, RHD, and RHS are affiliated entities and wholly owned subsidiaries of Robinhood Markets, Inc. RHF, RHY, RHC, RCT, RHG, RHD, and RHS are not banks. Investing products offered by RHF are not FDIC insured and involve risk, including possible loss of principal.

RHY is not a member of FINRA, and products are not subject to SIPC protection, but funds held in the Robinhood spending account and Robinhood Cash Card account may be eligible for FDIC pass-through insurance (review the Robinhood Cash Card Agreement and the Robinhood Spending Account Agreement).

Options trading entails significant risk and is not appropriate for all customers. Customers must read and understand the Characteristics and Risks of Standardized Options before engaging in any options trading strategies. Options transactions are often complex and may involve the potential of losing the entire investment in a relatively short period of time. Certain complex options strategies carry additional risk, including the potential for losses that may exceed the original investment amount.

RO 4146192

Robinhood, 85 Willow Road, Menlo Park, CA 94025. © 2025 Robinhood. All rights reserved.