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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
13966 reviews
Overall Rating
4.93/5.0 rating based on 13966 reviews

Real Stories from Real Owners

4.9 Average Star Rating across 13,903 reviews
Thomas Sullivan was absolutely outstanding throughout our mortgage process. He was incredibly responsive, always answering our questions in a timely and thorough manner, and consistently went above and beyond to make sure we felt confident every step of the way. As first-time homebuyers, the process could have easily felt overwhelming, but Thomas made everything smooth, straightforward, and easy to understand. He took the time to explain every detail and ensured we were comfortable with each decision. We truly appreciate all of his hard work and dedication, and we have complete trust in him. We would highly recommend Thomas to anyone, especially first-time buyers, looking for a knowledgeable, reliable, and genuinely supportive mortgage professional.
Brendan G F.
Center Moriches, NY
April 11, 2026
With Branch Manager Thomas Sullivan
Keith was absolutely amazing. he was informative, well educated, and simplified a process that can seem very daunting to home buyers . There's no one else I would ever recommend using other than Keith
Ashley P.
Bohemia, NY
March 18, 2026
With Branch Operations Manager Keith Radonis
This is our second time working with Tom. He worked with us on our original mortgage when we bought our house. When rates dropped he was on top of it and got in contact with us to refinance, saving us a ton of money. Would recommend Tom to anyone for their mortgage needs!
Emily C M.
Smithtown, NY
March 7, 2026
With Branch Manager Thomas Sullivan – Novus Home Mortgage
This is the second time I used Tom Sullivan and it was another outstanding experience. Everything was explained in detail and the process could not have gone any better. I would highly recommend Tom for your mortgage needs.
Theodore W W.
Nesconset, NY
March 2, 2026
With Branch Manager Thomas Sullivan – Novus Home Mortgage
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
Angelo and his team were extremely helpful, responsive, and transparent. They took a lot of stress off of us as first time homebuyers!
Brandon James M.
DUNMORE, PA
July 15, 2026
With Branch Manager Angelo Ambrosecchia
Luke was easy to work with! Excellent communication. Upfront and informative. Would and will recommend him to others.5 out of 5
Dustan M.
FORT PAYNE, AL
July 15, 2026
With Branch Manager Luke Willmon
Syndey, Shari, and Mary-Ann were all AMAZING! Mary-Ann helped guide me in so many ways and explained everything exactly how I needed without making me feel rushed or uncomfortable. The communication and understanding was 10/10.
Shanice D.
Cape Coral, FL
July 15, 2026
With Branch Manager Yvette Clermont
Eric and his entire team has been absolutely amazing to work with! They were so quick to answer all questions and incredibly communicative of all steps of the process. They truly made the loan process, which can be incredibly stressful, easy and efficient. I will recommend Eric to anyone needing a lender!
Lindsay H.
BROOKFIELD, WI
July 15, 2026
With Loan Officer Eric Reed
I was recommended by Craig Spicer to use Bill. I was more than pleased with how smooth the process was in a very difficult time in my life. Communication was very clear and the only hickup we had was resolved very quickly. I will recommend Novus to anyone I know who is looking to finance a new or preowned home.
Michael Edward F.
WAYNESBORO, VA
July 15, 2026
With Branch Manager Bill Bader
Hassle-free processes; the agents were very responsive and communicated efficiently
Karolina M.
CRESCO, PA
July 15, 2026
With Regional Manager Jason Wiggins
Good job!
Michael W.
WYOMING, PA
July 15, 2026
With Loan Officer Nicolas Sosa
Being completely unfamiliar with this whole process, Rebecca was phenomenal at explaining and remained patient regardless of my incessant questions. Would highly recommend.
Samantha K.
LEXINGTON, IL
July 15, 2026
With Branch Manager Rebecca Stiles Bergquist
Amber was absolutely amazing! Very friendly and made this whole process so easy. I will definitely recommend her to everyone. Excellent communication and always there for us every step of the way. We couldn't have done this without her.
Heidi H.
MADISON, AL
July 14, 2026
With Loan Officer Amber O'Rear

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.