A Clearer, Simpler Path to Home ownership
Buying a home is one of life’s most exciting milestones. It can also feel overwhelming if you are not sure where to start. At Novus, our goal is to make the process easier to understand and easier to navigate, with guidance that feels personal and technology that keeps everything moving smoothly.
Whether you are a first-time buyer, upgrading, downsizing, or investing, we are here to walk you through each step with confidence.
Start with a Strong Foundation: Get Pre-Approved
Getting pre-approved is one of the best ways to begin your home search. It shows sellers you are serious, gives you a clear understanding of your budget, and helps you move quickly when you find the right home.
Inside the Novus Homebuyer’s Guide, you will find a step-by-step application checklist that explains exactly what you will need, including income documents, asset statements, and identification.
Learn more:
Download the Novus Homebuyer’s Guide (PDF)
What to Expect During the Home buying Journey
Your loan officer reviews your finances, talks through your goals, and walks you through your options. This is when we help you get pre-approved so you can shop confidently.
Once you find the right home, your loan officer provides a Loan Estimate and the initial paperwork for review so your offer can move forward.
Behind the scenes, we verify documents, coordinate the appraisal, and prepare your file for underwriting.
Your application is evaluated for final approval. If anything else is needed, your loan officer will explain each item and help you complete it.
Once your loan is approved, your closing date is set. You will receive your Closing Disclosure at least three days before signing so you have time to review.
You sign your final documents, complete your closing, and get the keys to your new home.
Loan Options Designed for Your Life
Every buyer is unique. We offer a wide range of loan programs to match different goals, financial situations, and property types.
If you’re not sure which loan is right for you, your Novus loan officer can walk you through your options and help you find the best fit.
Some of the most common options include:
- Conventional financing
- FHA (Federal Housing Administration) loans
- VA (Department of Veterans Affairs) loans
- USDA (United States Department of Agriculture) loans
- Non-QM (non-qualified mortgage) loans
- Jumbo loans
- Loan solutions for self-employed borrowers
- Renovation financing
- Down payment assistance (DPA) programs
Ready to Start Your Home buying Journey?
Connecting with a Novus loan officer is the best way to begin. We lend in all 50 states and are here to give you personalized guidance every step of the way.
Use our tool to connect with a local expert who can help you get pre-approved, compare loan options, and take your next step toward homeownership.
Find a Loan Officer