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Buy or Refinance Your Home

300+ Loan Officers Nationwide NOVUS Loan Officers
Life's Better When You Own It
Buy a Home
Refinance

Trusted Home Mortgage Experts

At Novus, we combine personalized expert guidance with cutting-edge mortgage technology to make the mortgage process simpler, smoother, and more transparent.

Whether you are buying your home, refinancing your current one, or exploring your next chapter, our loan officers are here to help you move forward with confidence.

4.9 Star Rating
11311 reviews
Overall Rating
4.93/5.0 rating based on 11311 reviews

Real Stories from Real Owners

4.9 Average Star Rating across 11,497 reviews
Amazing experience. Keith hands down was the best advisor and broker we ever dealt with. His timely responses even into the night time made our buying process so smooth. He was very organized and had the appropriate steps that we needed to take all laid out. I could not recommend Keith enough to anyone purchasing a home. He was honest, transparent, and trustworthy. Keith offered to reach out to us once a year and have a mortgage review. Additionally, he told us to never hesitate to reach out if we have questions down the line . Thank you so much Keith!!
Reed J P.
Great River, NY
February 9, 2026
With Branch Operations Manager Keith Radonis
Keith did an outstanding job at placing me in a financial instrument which fully met my needs while my purchase itself was a bit complicated, Keith made it extremely easy He took the time to research all options, presented solutions and was proactive in anticipating & minimizing potential issues finally he was an absolute pleasure to work with .
William Thomas B.
Saint James, NY
February 7, 2026
With Branch Operations Manager Keith Radonis
Keith was very professional and very friendly. He was always available to answer questions and went above and beyond in all respects. We could not have gotten through this process without him and will undoubtedly refer him to friends and family!Keith was very professional and very friendly. He was always available to answer questions and went above and beyond in all respects. We could not have gotten through this process without him and will undoubtedly refer him to friends and family!Keith was very professional and very friendly. He was always available to answer questions and went above and beyond in all respects. We could not have gotten through this process without him and will undoubtedly refer him to friends and family! KeithKKJKeith
Brett A P.
PLAINVIEW, NY
October 31, 2024
With Branch Operations Manager Keith Radonis
The team was very helpful in traversing the buying process. For me, this was first time and in a new state. They helped locate additional resources for me that I had trouble finding myself.
Jeremy K.
Milton, FL
March 11, 2026
With Loan Officer Angela Crutchfield
Working with Ruben during my home purchase was an excellent experience from start to finish. Buying a home can be stressful, but Ruben made the entire mortgage process smooth and easy to understand. He was always available to answer my questions, explained every step clearly, and made sure I felt confident throughout the process. What really stood out about Ruben was his professionalism, responsiveness, and genuine dedication to helping me secure the best possible financing option. I truly felt that he had my best interest in mind at all times and went above and beyond to make sure everything stayed on track through closing. Thanks to Ruben’s expertise and guidance, I was able to complete my home purchase with confidence and peace of mind. I highly recommend Ruben Garcia to anyone looking for a knowledgeable, trustworthy, and reliable mortgage broker.
Alejandro A.
Doral, FL
March 11, 2026
With Branch Manager Ruben Garcia
I had an amazing experience working with CullenWainright. He truly did the impossible and got me approved when I didn’t think it would happen. He worked incredibly hard behind the scenes, explored every option, and never gave up on my situation. Throughout the entire process he was professional, responsive, and kept me informed every step of the way. His dedication and persistence made all the difference. I’m extremely grateful for all the effort he put in to make this happen and would highly recommend him to anyone looking for a loan officer who will truly go the extra mile.
Ryan Eugene T.
Gun Barrel City, TX
March 11, 2026
With Loan Officer / Loan Officer Assistant Cullen Wainwright
Correspondence was amazing and Mike and ed where amazing at keeping in contact to make sure I understood everything. It was my first home purchase and they made the process so easy. If I ever buy another home I'm definitely using you all again. I already refered someone to you all and he just closed today because how efficient you all are thank you kindly for everything.
Martin R.
Lewiston, ID
March 11, 2026
With Loan Officer Robert Roden
Cullen is always amazing to work with and we are very thankful to have him on our home buying and refinancing team.
Erica Rae K.
Dallas, TX
March 11, 2026
With Loan Officer / Loan Officer Assistant Cullen Wainwright
Cullen was very friendly and helpful
Hok S S.
Mabank, TX
March 11, 2026
With Loan Officer / Loan Officer Assistant Cullen Wainwright
Erin did a fabulous job taking care of my buyers home loan. I’d recommend her to anyone. Thank you so much Erin!
Keith Raven .
March 11, 2026
With Loan Officer Erin Hill
Timothy Hoban help in excellent way
Chandni N M.
Scranton, PA
March 11, 2026
With Loan Officer Timothy Hoban
Tim felt like he was working as hard if not harder than my wife and I to get us in our dream house. His communication was too shelf and i I don't see myselfnusing myself using anyone else
Joshua James B.
Madison Township, PA
March 11, 2026
With Loan Officer Timothy Hoban
Amazing to work with, truly a pleasure and was so helpful every step of the way.
Elizabeth D.
Middlebury, CT
March 11, 2026
With Loan Officer Paula Mezzanotte
Brian is the best loan officer you can find.. Very knowledgeable, professional, super helpful and very patien! I will always look for him if I need loan again in the future . I suggested Brian and the team to anyone that need loan, they will make your life easy!
Vlora W.
Gilmer, TX
March 11, 2026
With Loan Officer Brian Bailey – Novus Home Mortgage
Kelly is great!
Dana T.
Lexington, KY
March 11, 2026
With Loan Officer Kelly Cornett

See how our customer-first approach makes homeownership simple and stress-free.

About Us

Why Homebuyers Love Working with NOVUS

Buying or refinancing a home is a big decision. You deserve straight answers. No jargon. No guesswork. You get clear explanations, real guidance, and consistent updates from pre-approval through closing.

Your goals, budget, and timeline are unique, so your mortgage should be too. Whether you are exploring:

• Conventional financing
• FHA (Federal Housing Administration) loans
• VA (Department of Veterans Affairs) loans
• USDA (United States Department of Agriculture) loans
• Investment property loans
• Second home loans
• Construction loans
• And more!

We help you compare your options and choose a loan that fits your life.

You should never feel like just another name on a list. With Novus, you get a loan officer who truly listens, cares about your goals, and guides you through every step with clarity and support. We blend personal care with smart technology to make your experience easier long after the closing table.

The Novus Path to Homeownership

Buying a home is a major milestone. You deserve a path to homeownership that feels clear and supported at every step. The Novus Path brings together experienced loan officers, innovative technology, and industry-leading knowledge in both traditional and Non-Qualified Mortgage (Non-QM) lending.

Homebuyer’s Guide
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Get Pre-Approved

A Novus pre-approval gives you a clear idea of what you can afford, helps you understand your loan options, and strengthens your offer when it is time to make a move.
Find a Loan Officer
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Explore Your Loan Options

From conventional, FHA, VA, and USDA loans to Non-QM, jumbo financing, and down payment assistance programs, we help you compare options and choose the one that fits your goals.
Explore Loan Types
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Find the Right Home

With your pre-approval in hand, you and your real estate agent can focus on homes that match your budget and priorities. Your loan officer stays connected throughout your search to answer questions and offer guidance.
Homebuyer Resources
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Apply and Submit Documents

Our technology makes it easy to apply, upload documents, and see what’s next. Your loan officer will walk you through exactly what is needed and help you stay organized to keep your application on track.
Start Your Application
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Processing and Underwriting

Our team reviews your file, verifies your information, and prepares your loan for underwriting. Underwriting is the step where a loan expert reviews your financial details to make sure everything meets the guidelines for your loan. We keep you updated throughout the process and let you know if anything else is needed to keep your loan moving.
Understanding the Loan Process
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Closing, Getting Your Keys, And Beyond

Once your loan is cleared to close, you’ll sign your final documents and celebrate becoming a homeowner. Your Novus loan officer is here for you long after closing, whether you need answers, updates, or help with future financing.
What Happens After Closing
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Explore our Resources

You’ve got questions? We’ve got answers. Browse articles, tools, and guides to understand the process and make confident decisions.

Photo of Eric Egenhoefer and Kerry Wirth from the Novus Executive team, standing in a conference hall.

Join Our Team

Join a forward-thinking mortgage company where smart technology, collaboration, and people-first leadership come together to create a better homeownership experience.

Frequently Asked Questions

Get the basics, understand the process, and feel more confident about your next move. We’re here when you’re ready.

Find a Loan Officer

By looking at your credit, finances, and goals together, we help you see if you’re ready to buy and what you can do to get there.

Novus offers a simpler, smoother, and more transparent mortgage experience, with modern technology and loan officers who take the time to understand you.

With options like conventional, FHA, VA, USDA, and non-QM, we have solutions for every need. Whether you’re looking for a first-time buyer program or investing in a property, we help you compare and find the loan that fits your goals.

By looking at your income, credit, debt, and the guidelines for different loan types, your loan officer can show you how much you may qualify for using smart, accurate tools to help guide your search to the homes that fit your budget.

From pre-approval to closing, we guide you through each step with real-time updates and proactive communication. Our technology puts everything you need right at your fingertips so you always know what’s happening.

Connect with a Novus loan officer for a personalized plan tailored to your homebuying or refinancing goals.