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
Great service
and his team made our first time home by an experience the best, and most understanding experience we have ever asked for
Austin was great and easy to work
Austin was there for every question, promptly, throughout our first time homebuying process. He took time to get to know us, met us where we were at from a knowledge basis on this process, and gave very honest and genuine advice ! we truly are excited to continue working with Austin for the years to come !
Very helpful through the whole process and more!
Responsiv, flexibl, professional- great experience overall .
Promtness, thorough explanations to questions. His team also worked VERY fast to help me close quickly!
Austin was great. He helped answer my questions and inquires quickly and replied very timely. I loved the active communication, it truly made the experience hundred of times better. I highly recommend the team and again Austin was great!
Austin has been wonderful to work with. Throughout the entire process he has been very communicative and informative, but not annoyingly so. If we had any questions we would just send him a email or a text and he would respond in a reasonable amount of time. Sometimes right away! This is our first home purchase, so I don’t have anything to compare it to, but Austin made it very easy. We are very pleased with his professionalism and easy going attitude. If you want to feel like you’re in good hands, because you will be, I definitely recommend his services to anyone buying a home.
Communication was prompt, and I always felt informed and supported. I truely appreciate their hard work and would highly recommend them to anyone looking for a home purchase!
Personable and accurate. Made himself available.
Austin is one of the best lenders we have ever worked with. As first-time homeowners, we were fairly new to the entire loan process, but he took the time to understand our needs and expectations. We shared that we value sincerity and wanted someone who operates with integrity rather than personal gain, and Austin demonstrated those qualities. He organized different virtual sessions where he presented detailed information with graphical illustrations, helping us understand the numbers and options available to us. His communication was excellent as he responded promptly to our questions, addressed every concern, and provided good suggestions throughout the process. Austin walked us through the different loan options and helped us choose the most suitable one. Working with him was a great experience, and we highly recommend him to anyone seeking a knowledgeable and professional lender. From: Gregory and Imaobong
Austin made every piece of this experience easy. He was efficient and had wonderful communication. He made sure we understood everything that was happening and guided us through the process. The app was also a nice addition to the process in following steps and knowing where everything was at.
Austin is great at what he does. Communication and time management is what impressed me the most while working with him. 10/10 recommend for anyone who is looking for a mortgage lender.
Austin was very knowledgeable and available to answer all my questions.
Austin was very transparent and addressed all questions that we had. He was very punctual in a responses. He kept us up to date with where we were in the mortgage process.