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William Roseberry

Branch Manager
NMLS #68916

Carolina Branch
845 Church St N
Ste 310 & 311
Concord, NC 28025
Huntersville Branch
845 Church St N
Ste 310 & 311
Concord, NC 28025

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

William was amazing to work with. He answered all our questions in a very timely manner and explained everything thoroughly! He worked so hard to get the process done efficiently. I could not recommend him more to work with!
Julie S.
Lexington, NC
January 5, 2026
My wife and I have been working and talking with William for almost 2 years now. He has been an absolute blessing helping us through the process of purchasing our first home. No question has ever gone unanswered, and no concern has ever been unoticed. We would not have been able to do this without him.
Ryan S.
Lexington, NC
January 1, 2026
Authentic service and care from William!
Nicole R.
Monroe, NC
December 19, 2025
We had a great experience working with The Roseberry Team. They were friendly and professional. They took time to explain things to us in a clear and concise manner. I will use them again if the need arises.
River P.
December 19, 2025
As first time home buyers, we did not know the process but felt like William communicated what was needed from us well and …. WE GOT OUR HOUSE!
Ashleigh B.
December 19, 2025
William is a highly knowledgeable and experienced mortgage lender who makes the process simple and stress-free.
Layla B.
Rock Hill, SC
December 18, 2025
It was great
Dawn M Z.
Union Mills, NC
December 16, 2025
Williamm was amazing to work with. He was always available to answer our questions and explained everything so well. We truly appreciated working with him and will do so in the future if we are ever needing to do so.
Ryan D F.
Denver, NC
December 16, 2025
As first time home buyers, we did not know the process but felt we felt like William communicated what was needed from us well and …. we got our house!
Nicholas B.
Charlotte, NC
December 13, 2025
William and Kristy were great. William explained the process well and provided an Excel sheet for us to plug numbers into to determine how much we wanted to put down. We had a long period between our offer and closing due to the sellers having a planned vacation, which met we had to continue to provide updated check stubs. Kristy was very pleasant during this process. The whole process went smoothly. While I hope to stay in our new home for many years, I would not hesitate to use William again if our plans change.
River P.
Concord, NC
December 13, 2025
Merry Christmas
Cory S.
Kannapolis, NC
December 13, 2025
William was great and I appreciated his organization and quick responsiveness
Carolyn K.
Mint Hill, NC
December 11, 2025
:):):):):)
Jessie Lee G.
China Grove, NC
December 10, 2025
Excellent experience working with William and his team. Professional, responsive, and genuinely focused on my best interests. He made the mortgage process simple and stress-free!
Layla B.
November 19, 2025
William is simply the best there is! Highly recommend
Anthony F.
January 19, 2025
Excellent service all around. Closed in 2 weeks on a quick close opportunity!
Christopher C.
January 19, 2025