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Scott Estlund

Sales Manager
NMLS #217944

Bradenton Branch
1317 3rd Avenue W
Bradenton, FL 34205

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

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

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.

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

$
$
$
$
$
%

You can afford up to

$

Monthly Payment $

Principal & Interest $

Tax $

Insurance $

$
%
months
$
%
months
$

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.

Real Stories from Real Owners

Scott is very professional and helpful I ever have and thanks for everything.
Yeng K.
December 19, 2025
Very professional and helpful
Toua C.
Kronenwetter, WI
December 15, 2025
I highly recommend working through Scott he made buying my first home possible for me and my little family!
Bryanna M.
June 19, 2025
Scott and his team went above and beyond with their time and attention to detail with our mortgage. We felt very supported through out the process and would definitely recommend!!!!
Paula H.
January 19, 2025
Worked with Scott & his team mostly through email, phone/text, as well as the app. Everything went smooth and quick. Scott was easy to work with and made purchasing our first home an easy process.
Eric D.
January 19, 2025
It was wonderful working with Scott and his team! They got us into our new home, even with all the hurdles our financial situation threw at them. Sam was prompt at requesting documents and replying to our emails. We would definitely recommend Scott and his team!
Tou Y.
January 19, 2025
Awesome experience for a first time home buyer. Every step of the way was explained. Awesome team to work with.
Brenda C.
January 19, 2025
Scott Estlund Novus Home Mortgage was a very helpful with our first home mortgage loan. We learned a lot and can still call with any questions in the future. It’s been very pleasant working with them. I would recommend Novus to anyone.
Eryca W.
January 19, 2024
Scott helped us thru every step purchasing our forever home. We're so happy & grateful for everything he did to help us get the best interest and mortgage rates. I'm not sure if we would have been able to do it without his help and advice with every step of the home buying process. He went above and beyond we're more than satisfied! Thanks so much Scott!
Mrs T.
January 19, 2024
Scott was very informative and supportive throughout the entire process of buying our home. We had some hurdles to overcome before we could close. Scott and his team was working on it down to the last moment. I highly recommend Scott and Novus Home Mortgage team.
Johnette C.
January 19, 2024
Scott has helped my wife and I find our forever home, twice now. Both times Scott went above and beyond the call of duty in very challenging situations. From working through permitting issues in buying an old home to picking up the slack where my realtor fell short, Scott just won't quit untill he is successful. As long as Scott is working in mortgages he will be my first and only call. If Scott can't get it done, no one will be able to. Thank you Scott and Novus Home Mortgage
Andrew 8.
January 19, 2024
Scott is top notch lender! He works hard for his clients. I highly recommend going to Scott with Novus for a quote for your lending needs.
Kelly W.
January 19, 2024
Scott did a great job and making this tough process as easy as possible. Would recommend him to any of my friends and family!
Mike M.
January 19, 2024
Scott was awesome to work with, very professional. answered all questions I had, in a very timely manner. The process was very smooth.
Glenn M.
January 19, 2024
Scott is on the T very Sharp.. and gets the Job done..
Neal G.
January 19, 2024
Scott and his team where a light at the end of a very long tunnel for my wife and I.
jeremy R.
January 19, 2024