Paul Horner and Caroline Jones were both wonderful as they walked me through the process of re-mortgaging my second home to get a fixed-interest mortgage. This will take many dollars off my long-term debt and give me peace of mind. I found them always accessible, and they explained each step of the process. In addition Paul found me a lower closing cost and a better rate for my loan than anyone else was able. I appreciate their thoughtfulness and thoroughness SO MUCH! I had never heard of Sage Mortgage, but I will definitely recommend them in the future!