Frank Rubalcava
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
Frank was a great help he would answer all our questions and was available when we needed him. He made the process very simple we really appreciate him.
Frank did everything correctly. He disclosed all the information we needed in order to choose our lender.
I had a great experience. I am so grateful and the customer servic was awesome.
Frank muy buen trato y comunicación
Frank and his team was amazing. Always available to answer questions. Was able to get everything done to secure closing. Would recommend to anyone and a huge plus he speak Spanish to help with any translating.
Frank and his team was extremely helpful with our mortgage. He even took some of his weekend boating time to ensure I was able to get the paperwork signed in my short time off.
Frank and his team provided excellent service. They helped make this refinance process go as smooth as possible. They were available to answer any questions.
Frank make me feel secure to work and he was on top of the line providing the assistance that I needed. I received the best of the service and an excellent APR!!! I reduced 11 years to my mortgage payment. Thank you Frank and BOE 🙂
FRANK GAVE ME AND MY FAMILY THE BEST SERVICE WE COULD POSSIBLY ASK FOR WE WILL RECOMMEND HIM TO ALL OF OUR FRIENDS AND FAMILY. ANY QUESTIONS OR CONCERNS WE HAD HE ALWAYS WENT ABOVE AN BEYOND TO ANSWER THEM HE MADE THE PROCCESS VERY EASY FOR US. HE WA ALWAYS AVAILABLE NO MATTER EHAT TIMEOF DAY OR NIGHT AND HAD EBERYTHING DONE IN A TIMELY MANNER
I have had the pleasure to do business with Frank and his team several times and he never disappoints. He is excellent and very knowledgeable at what he does, he is willing to educate you and takes the time to answer all your questions as a client. His team works fast and all transactions are smooth and stress-free. As his client, I always felt supported and guided every step of the way. Thanks to him I was able to purchase a beautiful two-story home as a single mother which had been a challenge until I worked with him. He also assisted in refinancing my home loan. I am truly grateful for all his support in helping me to fulfill my dreams and I have nothing left to say other than I highly recommend him!
Frank is a guy that you can trust and that you can trust to get the job done. He and his team (Deb..detailed and communicates the process like a pro) are really second to none. I've referred multiple people to Frank and will continue to do so. Bottom line he is a good guy that you can trust…not just in the mortgage industry, but in life as well
Frank was very informative and made our home-buying process run as smoothly as possible. All questions were answered and his staff was very helpful as well. I would highly recommend.
FRANK GAVE ME AND MY FAMILY THE BEST SERVICE WE COULD POSSIBLY ASK FOR WE WILL RECOMMEND HIM TO ALL OF OUR FRIENDS AND FAMILY. ANY QUESTIONS OR CONCERNS WE HAD HE ALWAYS WENT ABOVE AN BEYOND TO ANSWER THEM HE MADE THE PROCCESS SMOOTH AND EFFICIENT HE HELPED US GET THE BEST PRICE. FRANK HAS EXCELLENT CUSTOMER SERVICE. WE WERE ALWAYS ABLE TO REACH HIM AT ANY TIME WITH ANY QUESTIONS WE HAD !
Working with Mr. Frank Rubalcava was was pleasant & informative. He explains the process clearly and is very straight forward. He made my entire process relaxed. It was a pleasure to work with him and his staff. Thank you for your patience as well as treating us like people rather than just home loan customers. I will always and have highly recommend Mr. F Rubalcava.
This is our first time being homeowners, and I can say that Frank and his team were so knowledgeable and helpful. They guided us through everything and helped us with what best fitted us. They made our loan process seem so easy and was so fast. I would definitely recommend anyone who is buying a home to go with frank and his team’!! After having some trouble with another bank, Frank and his team helped us so much, I cannot thank them enough!!
Frank and team members are extremely knowledgeable and helpful. They made our experience of purchasing a home a pleasant one. Frank has outstanding customer service. He was available and easy to be reached when any questions or concerns had arised within our loan process. Thank you Frank and team for taking this journey with us and making it smooth ride. Cynthia Martinez