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Bill Bader

Branch Manager
NMLS #208908

Charlottesville Branch
3450 Berkmar Dr, Suite A205
Charlottesville, VA 22901

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

Bill, Kristie, and Frances made the experience of buying my first home nothing short of incredible. Buying a home can feel like you're learning an entirely new language, but this team took the time to help me understand every step and how to best prepare to easily navigate each one to make the buying process feel smoother than I could've ever imagined. They were so informative and always took the time to answer my questions, explain processes, and made sure I understood what was happening as it was happening. I was prepared for the process of buying a home to be stressful but Bill and his team made this experience so pleasant and enjoyable. I cannot recommend working with them enough!
Megan S.
Tucson, AZ
January 7, 2026
Is a grateful experience work witch Bill Bader lm super happy thanks Bill
Eswin Abel J.
Waynesboro, VA
January 4, 2026
Bill is kind and approachable. He even answered my call while on vacation (not necessary, but he wouldn't hear of it). He is knowledgeable and proud of the work he does. It shows.
Adrienne Johnson B.
Swoope, VA
December 19, 2025
Your entire team was awesome! Thank you.
Charles F.
Louisa, VA
December 19, 2025
Bill is always so knowledgeable and committed yo to help any time og of the day. Such a great guy! Thanks Bill!!
Danielle D.
Troy, VA
December 16, 2025
Extremely knowledgeable and responsive
Shane T.
Charlottesville, VA
December 16, 2025
Bill and his team were great. they made the process smooth and easy, especially being self-employed. They were able to use different loans to help us.
Cassidie Megan H.
Churchville, VA
December 15, 2025
flawless process.
Renate T.
Stanardsville, VA
December 13, 2025
Excellence!
Vernon Hood T.
Stanardsville, VA
December 11, 2025
Everything ran smoothlyl
Carl H.
Stuarts Draft, VA
December 11, 2025
have worked with Bill for many years and he is so thoughtful and caring and always comes through for me and I really appreciate working with him. Thank you.
Patricia S.
Palmyra, VA
December 10, 2025
Bill Bader and his team are exceptional!! Goes above and beyond when banks look the other way. I recommend 110%, if Bill Bader cannot approve it, it cant be approved!! Thanks again
Sharon R.
Keswick, VA
December 10, 2025
Love the company
Gary D.
Schuyler, VA
December 10, 2025
Bill Bader and his team made the whole process of buying a home run so smoothly and on time. He promised to get us in our new home by a certain timelime and made it happen if we ran into a hiccup he made sure it was taken care of and if I had a question someone was always quick to get back to me with an answer. If I had it over to do again I would choose Bill Bader and his team over again!
David Lee L.
Waynesboro, VA
December 10, 2025
Mr. Bader is very knowledgeable and is always promptly on hand to answer or discuss any question that comes up. He and his entire team are enthusiastic, positive, efficient, and punctual. It was a very pleasurable experience working with them. I highly recommend them.
Danielle
Esmont, VA
January 9, 2024
Bill was awesome to work with! I had a couple of issues (on my part) he went above and beyond my expectations to settle them for me and to make it work! He answered every question I had no matter what time or day it was! I recommend Bill to anyone who is looking to buy a home!
Lora Hawley2004
Mineral, VA
February 15, 2023