Sage Financial Services

My family and I have worked with Colton Daines as our loan broker to process our mortgages and refinances on not only our primary residence but our rental properties as well. We have been working with Colton for 5+ years and are incredibly pleased with his services. His personal commitment to our financial well-​being puts us at ease. We not only highly recommend Colton, we personally will continue to use them in the future.

We used Colton Daines as our loan broker based on a recommendation from our realtor. This was our first home-​buying experience so there was a lot that we had to learn. Colton was patient and thorough as he walked us through the whole process.
He went above and beyond for us even helping with the title company and homeowners insurance. Our realtor and insurance guy both raved about how on top of everything Colton is.
Colton was efficient, engaged, honest, had great communication and left us with no surprises in the end.
I would not hesitate to recommend him!

I worked with Colton Daines on financing my first home purchase. He was one of the people my realtor recommended when I was buying my first home. Not all lenders are willing to set up 80÷10÷10 loans, but Colton was able to set this up for me. Colton makes it a point to get the best rates and the lowest costs for his clients, which was reflected in both his initial quote and the final amount I ended up paying. Colton is responsive: he responded to most emails within a day, even on weekends. In a market where many homes take offers only a few days after they are listed, this is indispensable. Fast responses, low cost, and the ability to set up constructions that others won’t; I’m a happy client.

Colton Daines and the rest of Sage Financial were very helpful during a recent refinancing process. I found that Colton personally was very helpful and informative and above all, professional. I find it unfortunate that previous reviewers had a bad experience, since for me Colton was upfront and honest with me through the entire process. I enjoyed working with Sage Financial and look forward to doing business with them in the future.

My neighbors recommended Sage Financial Services and apparently they have been quite happy with them and have refinanced a few times with them.
I contacted Ted Rossi at Sage and started the process with him. I paid for Sage to run the credit check and submitted my paperwork but I was a little nervous that the disclosure that they sent to me didn’t clearly state that they were going to cover the costs for the refinance as we had discussed and had not authorized the appraisal. I did drag my feet a bit and then I went to my current lender to see what they could do and what they thought of this offer, they said it looked ok – you can’t be too careful.
I guess I waited longer than they wanted or maybe they were unhappy that I was shopping around. Once I finally got all the paperwork to Sage they sent me a cancellation notice. Weirdest thing I have ever experienced… Furthermore, it said that the cancellation was per my request which wasn’t true. I sent an email to them stating that I had not requested the cancellation and got the strangest insulting email back that they later told me that it wasn’t intended for me. .
Long story short, I got the same if not better deal from my current bank/​lender so it was a happy ending for me but a very bizarre experience with Sage.
P. S. Gordon L. was right, all the paperwork that I received was from Opes Advisors

Colton Daines seems like a nice guy, but my mortgage refinancing experience with him was a disaster. I was trying to do a cash out refinancing on a property I own free and clear. The other advisor I talked to said that her lenders had a very low limit on how much cash you can take out, but Colton gave me a written «good faith estimate» showing no such limit, so I went with him. He gave me a credit check authorization form which asked for my credit card information and explicitly said it was just for a $ 21.50 credit check. When I started getting paperwork back from Colton, I found that he is actually an employee of Opes Advisors and Sage is some sort of personal front company or something. I’ll note that Opes Advisors currently has a one star rating on Unilocal.
Moving on, I went through months of process and paperwork just to have Colton finally tell me that they couldn’t do the planned refinance because the lender had the same cash out limitation that the other mortgage advisor had told me about up front. Given that his whole job is placing people with mortgages, I feel that Colton should have known and told me about this (or at least the risk of it) up front.
Then things got worse. I got my credit card statement and found that Colton had ordered a $ 500 appraisal and given them my credit card to use for billing. He had obtained that credit card number from my authorization form for a $ 21 credit check! When I confronted him about it by email, Colton wrote that he always uses the card «on file». Just because I pay for a credit check with a credit card shouldn’t mean that I’m placing it «on file» for him to charge whatever he pleases on it!
I asked Colton to get the charge refunded, but he never did. So I had to file a fraud report with my credit card issuer and deal with a reissued card, new number, and all of that hassle.
Needless to say, I found a new mortgage advisor.