Your Benefits Explained
Exclusive Advantages
for Sage Employees
See where your premium employee mortgage benefits may apply and potential savings opportunities.
Your Complete Benefit
Sage VIP
Concierge.
Mortgage & Homeownership Concierge Benefit
What This Benefit Is
The Sage VIP Concierge Mortgage Program is an optional employee benefit created through a shared partnership between Sage and ReNew Lending, rooted in a common commitment to thoughtful service and care. The program provides Sage team members access to personalized mortgage education, concierge-level guidance, and meaningfully competitive pricing — all designed to offer clarity and support during important life moments. Participation is always optional, pressure-free, and confidential, giving employees a calm place to ask questions, explore options, and move forward at their own pace.
This benefit is about education, clarity, and support not pressure or obligation.
What You Get as a Sage Employee
A Dedicated Mortgage Concierge
You have access to a highly trained mortgage professional whose role is to:
- ▸Answer questions
- ▸Walk you through options
- ▸Help you understand payments, credit, and timing
- ▸Guide you at your pace
Preferred Pricing & Reduced Costs
As a Sage employee, you may receive access to:
- ▸Potentially reduced lender fees
- ▸Competitive pricing designed to be meaningfully better than typical retail options (subject to approval)
- ▸An appraisal credit at closing on qualified funded loans
Education Without Obligation
You do not need to apply for a loan to use this benefit. Many employees use the program simply to:
- ▸Learn what they can afford
- ▸Understand credit improvement steps
- ▸Plan for a future purchase
- ▸Compare renting vs. buying
Clear, Proactive Communication
If you move forward with a loan, you can expect:
- ▸Clear updates throughout the process
- ▸Easy-to-understand explanations
- ▸A consistent point of contact
What This Benefit Is Not
–You are not required to use ReNew Lending to purchase a home
–You are not required to apply for a loan
–You are not pressured to move forward before you are ready
–Sage does not receive your personal financial information
–You are always free to compare options and choose the lender that is right for you
How to Use the Benefit
Start with a Conversation
Reach out using the program link, email, or phone number provided.
Ask Questions or Request Scenarios
No application required. You can simply explore options.
Move Forward Only If and When You're Ready
If you decide to proceed, your concierge will guide you step-by-step.
Common Reasons Employees Use the Program
Our Commitment to You
The Sage VIP Concierge Mortgage Program was created to reflect the same standards Sage brings to hospitality:
Professional
Respectful
Transparent
Relationship-driven
Our role is to support you, educate you, and make the process easier—on your timeline.
Questions?
You are encouraged to reach out at any time. Even a short conversation can bring clarity.
This benefit is provided as a resource for Sage employees. There is no obligation to apply for or obtain a loan.
Does Your Situation Qualify?
Your Loan Type Matters
Questions?
Common Questions
Can I combine with other programs?
Yes! We help you stack discounts with down payment assistance and other benefits for maximum savings.
What about special situations?
Every mortgage is unique. Reach out to your concierge for personalized solutions tailored to your needs.
How long do discounts last?
Rates lock in at closing for the life of the loan. Discounts remain available while you're an employee.
Do I need perfect credit?
No. We work with a range of credit profiles. Your dedicated concierge will discuss your specific situation.
Immediate Impact
Calculate Your
Savings.
See how much you could save as a Sage employee
Based on Conventional loan type. Adjust below if needed.
Loan Amount (30-year mortgage)
$475,000
Rate Savings
30-Year Savings
$27,322 - $54,312
Monthly (0.25%-0.5%)
$81 - $156
Reduced Fees
Upfront Savings
$1,000
59% Discount
On admin & processing fees
No Appraisals
Upfront Savings
$1,000
Typical Cost
$800-$1,000 eliminated
Potential 30-Year Savings
$29,322 - $56,312
Plus $81 - $156/month in potential immediate impact
Estimates only. Actual savings depend on credit approval, loan terms, and individual circumstances. Not a guarantee of savings or loan approval.
Ready to Explore Your Savings?
Your dedicated concierge is ready to walk you through your options with no pressure.