Audi Spiridakos
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
Audi is an absolute expert when it comes to mortgages. He is extremely responsive, cares about his clients, and makes the entire loan process easy to understand. I HIGHLY recommend Audi for anyone looking for a trustworthy and dependable loan officer.
I had an outstanding experience working with Audi and his team on my DSCR loan. Their knowledge of investor financing, cash-flow qualification, and lending guidelines was exceptional. They explained every step of the process clearly, responded quickly to questions, and made what could have been a complicated transaction feel straightforward and stress-free. Their expertise helped me secure the right loan structure for my investment property, and they consistently demonstrated professionalism, attention to detail, and a commitment to getting the deal closed on time. If you’re looking for a DSCR loan expert who understands the needs of real estate investors and delivers excellent service, I highly recommend Audi!!
Audi was amazing, got us our loan so fast and best rate
10/10 reccomend , fast & easy process
Audi was informative the entire process. Would highly recommend him.
Audi went above and beyond he communicated thoroughly and in a way that made sense to me.
I had a great experience working with Audi. He was very helpful and made the home buying process smooth and easy. Highly recommend!
Audi and his team helped me a lot in buying my home, since my situation was special and unique. I’m very grateful to them. Audi is always available, and whenever I have any questions, he always responds. Thank you!
Audi is literally the best. That's not an overstatement . He went above and beyond, I believe he answered the phone every single time I called . Old school customer service . Highly recommend .
Argirios was great and always available to answer our questions and to provide the necessary information for us to make informed decisions.
Argirios and his team went above and beyond what any other company would have done. I had given up and they didn't. Everything he promised was followed through on and with the utmost profressionalism. I highly recommend them.
We had a great experience in getting our mortgage finalized.And he went beyond to make sure that we were able to close.
Great job
Audi pulled out the works for us and got our loan approved in only 8 business days prior to our closing! It was truly a group effort and Audi and his team made it happen. Audi is very honest, responsive and on top of it. Also got best loan rate from him and I got several quotes from many lenders, but Audi’s was the lowest rate and closing costs! He’s even provided his services for WWE wrestlers.
Audi pulled out the works for us and got our loan approved in only 8 business days prior to our closing! It was truly a group effort and Audi and his team made it happen. Audi is very honest, responsive and on top of it. Also got best loan rate from him and I got several quotes from many lenders, but Audi’s was the lowest rate and closing costs! He’s even provided his services for WWE wrestlers.
Above and beyond doesn’t even begin to describe it. We are beyond thankful for Audi Spiridakos and the incredible job he did in helping us secure our new home. From the very beginning, he worked closely with us—not only to get us qualified, but to help us improve our credit so we could qualify for a county down payment assistance program we didn’t even know we were eligible for, or even existed. He was informative, responsive, and patient every step of the way. No matter what time it was, Audi was always there to answer our questions and made sure we fully understood everything throughout the entire process. He turned what could’ve been a stressful experience into one that felt smooth and empowering. Thanks to Audi’s dedication and support, we’re now proud homeowners and getting ready to welcome our baby boy into our very own home. We truly couldn’t have done this without him. If you’re looking for a lender who’s not only highly knowledgeable but truly cares — Audi Spiridakos is the one you want in your corner. We’ll recommend him and his team every chance we get