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Ryan Kelly

Sales Manager
NMLS #824516
5.0 Rating (7 Reviews on Experience.com)

Scranton Branch
220 Penn Avenue, Suite 100
Scranton, PA 18503

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

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You can afford up to

$

Monthly Payment $

Principal & Interest $

Tax $

Insurance $

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%
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.

Real Stories from Real Owners

Ryan is amazing to work with! He is very quick and efficient with great communication skills. He was able to explain everything I had a question for and I would highly recommend him as a lender.
Copertik
Moscow, PA
April 30, 2022
Ryan was extremely helpful during the entire home buying process. He was always available to answer any and all questions that we had! With the current situation regarding the pandemic we were amazed to hear we could close in as little as 30 days. Everything was super easy and very fast. I would highly recommend Ryan to any peraon who is gping tbrough the process of pre approval, home buying, etc.
Zuser201507130622227
McAlisterville, PA
April 19, 2021
Being a first time home buyer, the whole process was new and stressful to me and Ryan was super helpful every step of the way! He offered great advice and guidance to help make the entire process stress free. He is extremely knowledgeable, kind and someone you can trust and was always there to answer any and all questions I had in full detail in a way for a first time home buyer to really under the process. I would highly recommend Ryan!
Lauren Antosh
Scranton, PA
March 16, 2021
Ryan helped us when many other lenders were giving us the runaround. He was able to answer all of our questions, offered us a great rate, and we closed on time.
Boris S.
Scranton, PA
March 16, 2021
Ryan made this process very smooth and easy. He did all of the legwork but he was very clear and consistent in communicating with us throughout the entire process. He was available whenever we had questions, and responded almost immediately.
Philip M.
Olyphant, PA
March 16, 2021
Ryan was completely focused on me from day one. Seemed as though I was his only client, which was far from the case. He really made the home buying process an absolute breeze. I’d give ten stars if it was an option.
Matt
Scranton, PA
April 17, 2019
What I liked the most about Ryan was that he was there for us 24/7. Questions, concerns always adressed no matter the time or day. I also liked that he was open to do what we needed him to do in order to get the mortgage we were looking for.
Joe Batista-Adames
Old Forge, PA
March 26, 2019