Unfortunately things didn't work out with my loan, due to my current financial situation, but I really appreciated the time and effort put in by Paul Horner. He guided me nicely through the process and made sure he was giving me accurate information, something I was really burned by with Rocket Mortgage, who I used in the past!! I will certainly get in touch with Sage again, and hopefully Paul, in the future once I'm in a better position to be approved without needing a co-signer.