Joe Onofre
CUSTOMERS Come First
Whether you dream about purchasing your first home, or third, we are here to help your homeownership dream become a reality—which is why we’ve made buying a home easier than ever with our leading-edge technology, alleviating piles of traditional paperwork.
When you work with Novus Home Mortgage, you can close on your home simply faster with our digital mortgage application process.
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.
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
Home Purchase Loans
Refinancing Options
Personalized Consultations
Loan Program Guidance
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.
Proudly Giving Back
Local Food Drives
Youth Sports Sponsorships
Estimate your mortgage
See estimated monthly payments based on your loan details. Compare scenarios to find what best fits your budget.
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.
Get Pre-Approved
Explore Your Loan Options
Find the Right Home
Apply and Submit Documents
Processing and Underwriting
Closing, Getting Your Keys, And Beyond
Real Stories from Real Owners
It was an amazing experience from start to finish working with Joe, Michelle, and Kelly. They were very quick to respond whenever any questions came up throughout the process. They explained everything very clearly and ensured we understood everything. I couldn't have asked to work with a better team for our loan. I myself worked in the industry previously and was amazed how great of a job they did. I would highly recommend anyone to do business with Joe and the team! Thank you very much for making the process so smooth and simple for us!
Easy to contact
Solutions for tired searches. This is my experience with Novus, they resolve my issues and concerns with the loan process.
As first time home buyers this process seems overwhelming and confusing. Joe and his team were right there every step of the way giving us the confidence and security that we needed to complete this process seemlessly! Thank you so much to Joe and his team for helping me and my family get our very first home!
Professional service
This is the second time we have used Joe and there is a reason for that! 5 stars!
Joe and his team were great to work with They answered emails abs questions in a promptly manner They were very knowledgeable and helpful I would highly recommend Novus and I have
Joe made our buying experience very pleasant!
Highly highly highly recommended ! Hands down best team that gets the job done! Never a question or situation he did not personally handle , or one of his employees standing watch to get the deal done! Thank you again and definitley my go to for future business!
It was first time buying a house and Joe was very reassuring and provided endless information to us. He answered all of our questions with a smile, no matter what day or time!
Felt comfortable working with Joe as if he was a long time friend.
As a first time homeowner, Joe and his team made this experiance easy to understand and explained everything in a way that was easy to understand. Joe and his team went out of their way to make sure everything was completeded and even after complications arised, continued to have a positve demanor and make me feel at ease. It was truly a great experiance and I am very thankful for Joe and his team.
was so helpful in the loan process. It felt like I was dealing with family. Great company would recommend them anytime.
Joe and Michele were absolutely a pleasure thtough the entire process. They always strived to answer all my questions and made sure I was on the same page. I would absolutely recommend their services to any of my friends, family or colleagues needing mortgage assistance. Thank you all. You were a blessing in what can be a very stressful process. John &
Joe always goes above and beyond to get the job done. He's the guy to go to for an efficient home purchase that's done right.
Everyone at Nivus was very helpful!