Robinhood has partnered with Sage Home Loans to provide Gold members with mortgage rates at least 0.75% below the national average and a $500 credit toward closing costs, extending the brokerage’s services into home ownership.
The program is available to eligible Gold subscribers who meet standard credit and loan criteria, including a minimum credit score of 680, loan amounts between $200,000 and $1.5 million, and residence in any state except New York. Sage Home Loans, a digital‑first lender headquartered in Fort Mill, South Carolina, will serve as the exclusive lender.
The partnership follows a summer pilot that tested the mortgage platform with 1,200 participants and received positive feedback on rate competitiveness and user experience. The full rollout began on November 3, 2025, after the pilot’s success.
Robinhood’s strategy to diversify revenue streams is underscored by the partnership. The company’s Q4 2024 results showed total net revenues of $1.01 billion, up 115% year‑over‑year, and net income of $916 million. Gold subscribers grew to 2.6 million in Q4 2024, and the new mortgage offering is expected to increase wallet share and subscription revenue.
Sage Home Loans, operating under NMLS ID #3304, offers conventional, jumbo, FHA, and VA loans and has an A+ rating from the Better Business Bureau. The partnership aligns with Robinhood’s broader goal of becoming a comprehensive financial platform.
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