Home Loan Services

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Finance Your Dream Home - Without Moving

Cash out Refinance
HELOC/HELOAN/Second

Whether you’re updating your space or planning a major renovation, Sage Home Loans helps you unlock the equity in your home to make it happen — with guaranteed best rates, flexible loan options, and a fast, hassle-free online process.  

Which financing option is right for your home project?

From kitchens and bathrooms to basements and decks, we can help you finance the renovations that will enhance your home.

Cash out Refinance
Rennovate Rooms


Cash Out Refinance

Single mortgage

Typically lower interest rates than second mortgages

Larger cash amounts

Ability to consolidate other bills/take extra cash/payoff debt



HELOC/HELOAN/Second
Rennovate Rooms


HELOC/HELOAN/Second

If you “won during COVID” and have a low interest rate already, keep your existing mortgage

Flexibility in payback options (like a credit line)

HELOC: Line of Credit – option for available balance left over, interest only with higher rate

HELOAN: stagnant second, lower interest rate

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Our Products

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Areas We Serve

  • Madison
  • Middleton
  • Maple Bluff
  • Monona
  • Cottage Grove
  • Stoughton
  • Sun Prairie
  • Verona
  • Oregon
  • Waunakee
  • Mcfarland
  • Deerfield