Dee Cayo
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
Weekly check-ins Mary Ann taking the time to answer my initial questions before I did the new home owner course which reinforced what she shared/educated Dee and Mary Ann were always pleasant, encouraging and available
Dee and her team handled everything for us and made the process hassle free.
they were always they were always.
Dee and her staff are very easy to work with and explained everything clearly It was a pleasure working with them
You all were very fast to respond to my questions and made the whole process simple. It felt like you all cared and were on our side throughout the whole process. Thank you.
Dee and her team made the process smooth and easy!
Always answered phone an questions when we needed. Great Great people to work with
Very smooth process and excellent communication.
Dee and her team make it a seamless, pleasant process!
We found working with you and your staff a true pleasure. Wishing you all the best!!!
Dee and Andy were very responsive and helpful navigating through the loan process. We started out with a large lender whom I have banked with for over 30 years; although they were friendly, they weren't very responsive (sometimes 3 days) and didn't bother to explore loan options to make the loan better serve our lifestyle. Our realtor recommended the Cayo Group and it turned out to be a blessing in disguise. Thanks Dee and Andy!!!