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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

Great work, quick responses and always available when needed!
Cole Victor Ian S.
Winter Haven, FL
January 7, 2026
Overall, I had a great experience from start to finish. Chris went above and beyond to get my loan processed quickly. He was knowledgeable, prompt and personable. Chris explained everything and answered all of my questions. I couldn't of asked for a better experience.
Kristen C.
Sarasota, FL
January 1, 2026
The home buying process when working with Chris and his teams was amazing. It was easier than I expected it to be, and he was very helpful with explaining things to me and making sure I always understood the process I was going through. The app was also extremely helpful to upload documents communicate through and see where I was at in the process. Overall, I am so happy with everything and very grateful for this experience working with them!
Chelsea Raylene P.
Winter Haven, FL
December 29, 2025
The entire team worked well together and was there every step of the way. They answered all kinds of questions we had and were very thorough
Chandavy H.
Lowell, MA
December 23, 2025
On it! Quick response, reliable, and committed. Thanks.
Juan Pablo T.
Bradenton, FL
December 23, 2025
Mary and the whole team were excellent to work with. Very grateful for their hard work and dedication!
Robert W.
Largo, FL
December 22, 2025
Chris and crew were great about answering my questions and concerns.
Michael David C.
Parrish, FL
December 20, 2025
Amazing experience all around! From start finish Chris and his team took the best care of us!
Samuel B.
Parrish, FL
December 17, 2025
I was always able to call and get my questions answered and made this process stress free.
Amanda L.
Cape Coral, FL
December 15, 2025
Chris & his team were very responsive and engaged.
Philip A C.
Bradenton, FL
December 10, 2025
Chris Galli was always very responsive to all our questions and beyond helpful in guiding us through the process.
Birgit E.
Bradenton, FL
December 10, 2025
Working with Chris Galli at Novus Home Mortgage was truly the best experience I’ve ever had in the home-buying process. From start to finish, Chris went above and beyond in every way. His professionalism, knowledge, and commitment to making sure I understood every step made the entire process smooth and stress-free.
Reginald A.
Fort Lauderdale, FL
December 10, 2025
Chris and his team were wonderful with informing us on what we needed to do, providing information and videos for each step of the process, and always keep in contact for us to know what is going on and what is coming next. They worked extremely hard to make sure we closed in a short amount of time, in order for us to move in to our dream home! Thank you all!
Jessica S.
Riverview, FL
August 23, 2022
The support received from you guys is something we’re very thankful for. It was amazing to see how easy everything was for us to get through. As a first time homeowner it was great to have someone explain the documents to us and guide us through each step. It was very helpful to get all our questions answered anytime throughout the day.
Palvi Dharmesh M.
Clearwater, FL
July 19, 2022
Very informative, good communication. Gave us many different options to choose from, always responded.
Michael F.
Placida, FL
July 19, 2022
The support received from you guys is something we’re very thankful for. It was amazing to see how easy everything was for us to get through. As a first time homeowner it was great to have someone explain the documents to us and guide us through each step. It was very helpful to get all our questions answered anytime throughout the day.
Dharmesh M.
Clearwater, FL
July 16, 2022