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Oviedo Branch


100 E Sybelia Ave., Ste 375
Maitland , FL 32751

Branch Manager

Headshot for Joe Onofre, wearing a black shirt

Joe Onofre

Branch Manager

NMLS #1473557


Loan Officers

Michelle Kahn

Loan Partner

NMLS #1951284


Map to Oviedo Branch

Where to Find Us

100 E Sybelia Ave., Ste 375
Maitland, FL 32751
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We’re proud to serve homebuyers

Our branch is proud to serve homebuyers and homeowners throughout our area and beyond. Our team combines local warmth with the expertise and resources of a leading mortgage lender.

Whether you’re buying your first home, upgrading to meet your family’s needs, or refinancing to achieve your financial goals, our loan officers are here to guide you every step of the way.

With personalized service, local insight, and a commitment to making the process simple and stress-free, we’re dedicated to helping you find the right loan solution for your unique situation.

Learn how to Buy Your First Home

Buying a home is a big step — and I’m here to make it easier. I’ll walk you through your options, answer your questions, and help you find the right loan to fit your life and goals.

Our Services

Younger woman in her new home

Home Purchase Loans

Expert guidance through the home buying process
Young family with children in new home

Refinancing Options

Solutions to lower your interest rate or monthly payments
Younger couple starting out in first home

Personalized Consultations

One-on-one meetings to discuss your financial goals
Family outside just sold new home

Loan Program Guidance

Detailed explanations of different loan programs available

Estimate your mortgage

See estimated monthly payments based on your loan details. Compare scenarios to find what best fits your budget.

$

5%

1%

5%

0%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly PMI $0

$

5%

1%

5%

$
$

$1421

Monthly FHA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Up-Front MIP (1.75%)$0

Monthly Mortgage Insurance $0

$

0%

5%

1%

$
$

$1421

Monthly VA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Purchase Price $1421

VA Funding Fee $1421

Amount Financed $1421

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You can afford up to

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Monthly Payment $

Principal & Interest $

Tax $

Insurance $

$
%
months
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months
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Refinancing could save you

$/month

New monthly payment $

Refinance fees $

Lifetime Savings $

Steps to Easy Home Buying with Novus

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.

Younger woman in her new home

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.
Unboxing and move in day

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.
Younger couple starting out in first home

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.
New couple in home during move in day

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.
First time homebuyer with my new home sign

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.
Family outside just sold new home

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.

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.

In Our Community

Our work doesn’t stop at helping families buy homes—we’re committed to strengthening the places we live and work. From sponsoring youth programs to supporting local charities, we’re proud to give back to our community.

Younger couple in new home with plants

Proudly Giving Back

We volunteer, sponsor local events, and support programs that strengthen our community.
Older couple walking into new home

Local Food Drives

We partner with local food banks to fight hunger, sponsoring community drives that help families in need.
Couple enjoying move-in day in new home

Youth Sports Sponsorships

We’re proud to support local youth sports programs, helping kids build teamwork, confidence, and lifelong skills both on and off the field.

Real Stories from Real Owners

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
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
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
We are first time home buyers, and had very little knowledge of any part of this process. Zack walked us through everything step-by-step, And answered any questions that we had, even the real newbie ones! It was a quick and simple process and we couldn’t recommend him more.
Lauren B.
March 7, 2026
Everything good keep doing in all processes
Henry Alexander Santos J.
Oakboro, NC
March 6, 2026
Terry was with me all the way through it. Helped me to understand what was going. He helped to calm my anxieties. I will send my brother to him when moves down here.
Anthony Terrell S.
Gastonia, NC
March 6, 2026
Chris is the best I have ever worked he was more than helpful I will recommend to anyone
Mujo S.
Mount Pocono, PA
March 6, 2026
Willingness to answer questions or concerns. And very informative and helpful.
Amber H.
Waukesha, WI
March 6, 2026
Kim and Tom, we're constantly on call to answer all my questions.
Xavier H A.
Hammond, IN
March 6, 2026
Team is very helpful.
Corey G.
Crown Point, IN
March 6, 2026
Jeff and his team were great!
Krista Lynn C.
Maryville, TN
March 6, 2026
Very easy
Nicolas V.
Blakeslee, PA
March 5, 2026
Jesse and Novus employees were on top of everything from the start. They made it such a breeze going through the process. I couldn't believe how easy they made it for me. Would defenitely recommend them to everyone searching for a home mortgage loan.
Wendy M M.
Youngstown, OH
March 5, 2026
It was a good experience.
Ben H.
Waukesha, WI
March 5, 2026