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.
SPECIAL FINANCING · RATE BUYDOWN
What if this home came with
a lower payment to start?
When the seller, Novus Home Mortgage, or both put money toward a temporary buydown, your monthly payment drops for the first 1 year of the loan, then returns to the full payment. The list price stays the same.
TEMPORARY RATE BUYDOWN FAQs
Answers to the most common questions about temporary rate buydowns, including costs, qualification, loan eligibility, refinancing, and seller contributions.
Novus Home Mortgage contributes up to the amount shown above. The seller then negotiates their share on top. It can also be funded by a builder, or by the buyer. The seller’s portion is agreed per property and written into the contract — it is not automatic and not a standing offer on every home.
Sometimes a seller lists slightly higher to fund their share, and sometimes they fund it out of the existing price. Either way the buyer sees the price and the credit in the contract. What a buydown avoids is a public price reduction, which is why sellers often prefer it.
No. Discount points permanently reduce the note rate for the life of the loan. A temporary buydown leaves the note rate alone and subsidizes the payment for the first year or two from an escrow account. Points cost more; a temporary buydown buys a bigger visible drop for less money, but it does not last.
The full note rate, not the reduced year-one rate. That’s the part people get wrong. A temporary buydown lowers what you pay in the early years; it does not increase how much you can borrow. A permanent buydown does lower the qualifying rate.
Funds left in the buydown escrow are generally applied to the payoff, so the unused portion is not lost. The exact treatment is set by the buydown agreement on your specific loan — ask before you assume.
Conventional, FHA and VA all permit temporary buydowns, subject to program rules and occupancy restrictions. Contribution limits differ by program and by how much you put down. We confirm what a specific file allows before anything goes into a contract.
A price cut moves the monthly payment surprisingly little. The same money aimed at the rate moves it a lot more — so the home reaches buyers who were shopping below the price. It also avoids a public reduction and the days-on-market story that follows one.
That’s exactly what this is for. Put in the list price and the contribution you think the seller would consider, and it shows the payment story you can take to them. For the full picture — net proceeds, price-cut comparison, contribution limits — call and we’ll build it on the actual property.
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
Home Purchase Loans
Refinancing Options
Personalized Consultations
Loan Program Guidance
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.
Proudly Giving Back
Local Food Drives
Youth Sports Sponsorships
Estimate your mortgage
See estimated monthly payments based on your loan details. Compare scenarios to find what best fits your budget.
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.
Get Pre-Approved
Explore Your Loan Options
Find the Right Home
Apply and Submit Documents
Processing and Underwriting
Closing, Getting Your Keys, And Beyond
Real Stories from Real Owners
We really enjoyed working with Eric! Everything was laid out nicely for us and his response times were awesome! We felt extremely supported and educated through every step of the process and it made our first time buying a home feel less scary!
Eric was awesome to work with & we really felt supported/educated through the process! It made our first time buying a home feel less scary
Being able to get
Eric was the consummate professional and very timely in all responses.
Eric made our first home-buying experience much less stressful than we expected. As first-time buyers, we had a lot of questions, and he always took the time to explain everything clearly and responded promptly whenever we reached out. He was patient, knowledgeable, transparent, and never made us feel rushed or pressured. Throughout the process, Eric kept us informed, communicated proactively, and helped us understand our options so we could make confident decisions. His attention to detail and organization gave us peace of mind, and we always felt like he had our best interests in mind. Buying a home can be overwhelming, but Eric made the entire process feel manageable from start to finish. We couldn’t be happier with our experience and would highly recommend him to anyone looking for a trustworthy, responsive, and professional loan officer. We’re grateful we had the opportunity to work with him.
Eric made our first home-buying experience much less stressful than we expected. As first-time buyers, we had a lot of questions, and he always took the time to explain everything clearly and responded promptly whenever we reached out. He was patient, knowledgeable, transparent, and never made us feel rushed or pressured. Throughout the process, Eric kept us informed, communicated proactively, and helped us understand our options so we could make confident decisions. His attention to detail and organization gave us peace of mind, and we always felt like he had our best interests in mind. Buying a home can be overwhelming, but Eric made the entire process feel manageable from start to finish. We couldn’t be happier with our experience and would highly recommend him to anyone looking for a trustworthy, responsive, and professional loan officer. We’re grateful we had the opportunity to work with him.
Eric is quick to respond to any questions we might have. He explains things clearly and is available no matter the time of day.
The entire process was smooth and seamless and anything that popped up was handled with courtesy. The closing was also great and we felt supported all the way through. Thank you!
Eric was great. He was timely and got ahead of any issues and was always a joy with which to work.
Quick responses with every question asked! Made first time home buying a smooth process!
Eric is simply the best! I appreciated his prompt communications and patience with all of my questions. He absolutely took the best of care of us throught the entire process. He is an absolute professional!
Eric was helpful and punctual all along the way. I'd say he made it as painless as possible and I enjoyed working with him.
Eric was great and super responsive!
Eric is fantastic. He communicates clearly and is always avialable to answer questions!
Eric was quick to respond, thorough with his responses, and made the entire process not feel so scary as a first time home buyer
We cannot say enough about Eric; he was incredibly helpful with great communication and clearly alot of care towards us finding and closing on our first ever home. We had a TON of questions, and he never made us feel bad, was always cheering us on and direct with timely documents, etc. I would give him a 20/10, we were so lucky to have him! He even came to the closing and helped answer MORE questions, really made buying a first home feel as easy as possible and comfortable. So grateful, Eric truly is in his "art" with his career.