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Luke Willmon

Branch Manager
NMLS #1589331
5.0 Rating (84 Reviews on Experience.com)

Scottsboro Branch
Scottsboro, AL 35767

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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$
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%

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

Luke and the team did a great job clearly communicating with me throughout the entirety of the process. While my credit history was not complicated at all, what I was trying to achieve with my loan was atypical. Luke made the complex concepts easy to follow which allowed me to ensure I was making the best decision for my situation and our loan was closed out quickly and efficiently.
Nathan F.
April 16, 2026
The customer service is hands down the best. Luke is very responsive and is great with explaining the processes. Luke, you have a life long customer and my full recommendation. Thank you for everything!
Krista D S.
Albertville, AL
February 7, 2026
Luke stayed on top of the process communicating daily. If we had a question, and he was busy he would call us back. Never once did we not get an answer from him. His professionalism is great and his will to make all parties concerned included in the process feel important. Thank you for a great experience.
Jack C.
Somerville, AL
February 2, 2026
Quick and very helpful
Jessica LeeAnn G.
Dawson, AL
December 20, 2025
Luke and his team were an absolute pleasure to work with. Top notch communication. Transparent through the whole process and they made sure everything was done in a timely manner. I would recommend this team to anybody i know
Luis G.
November 26, 2025
Outstanding service and communication from our processor and originator. They truly went above and beyond to help me and my family with our home purchase. Will definitely recommend this team to everyone.
Matthew L.
Scottsboro, AL
October 28, 2025
Knowledgeable and quick!
Molly B.
Scottsboro, AL
October 28, 2025
Outstanding service and communication from our processor and originator. They truly went above and beyond to help me and my family with our home purchase. Will definitely recommend this team to everyone.
Morgan L.
October 28, 2025
Luke was great to work with. He is insanely knowledgeable and was very eager to help with anything I needed. I will 100% refer him to someone who needs a loan in the future.
James Michael A.
Huntsville, AL
October 6, 2025
Luke made this whole process look easy! He also communicated everything and timely.
Shannin Baker W.
Henagar, AL
October 6, 2025
Luke is very professional and does a fantastic job with these loans. I highly recommend him and have all the confidence in the world in this guy. If he says we can do it, he will make it happen.
Alex E.
Henagar, AL
October 3, 2025
knowledge, communication, and processing
Alvin P.
Talladega, AL
August 28, 2025
Made Everything I needed to do super easy and laid out and gave plenty of time to gather information and kept me In the loop of things
Kayln R.
Flat Rock, AL
August 26, 2025
Communication
Alvin P.
Talladega, AL
August 22, 2025
Luke was by far the best loan officer I've ever dealt with. He went above and beyond to help us close in record time. I've dealt with other officers, Luke is the first to feel like a close friend even after closing.
Noah P.
Rainsville, AL
August 21, 2025
He helped us close quickly
Courtney R.
Rainsville, AL
August 20, 2025