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
John was wonderful to work with, responded promptly and made us feel at ease the entire process!
John and Deborah were amazing to work with made everything so easy and effortless.
John was ready to talk to and did amazing answering all of our questions. Always took the time for a phone call to make sure we understood everything..
Great experience!
John and the team at Novus were wonderful to work with in the home buying process. They were ever present to answer any and all questions we had. I have full trust in his and the teams ability to make dreams of home buying come to a reality.
John made this experience very easy for me and informative. John took his time explalining to me and along the way answered all of my questions to the extent of even answering questions I haven't even thought about but would have down the road. 10/10 experience and appreciate John for all of the help!
John Rudolph at Novus home mortgage made this entire process effortless. This was my first homebuying process and I am shocked at how easy he made it. He was prompt, informative, and highly knowledgeable about the mortgage industry. He even responded to a request late evening with a document I needed to have signed and rushed to get that to me. If you want someone who is attentive to your every need, explains everything along the way, and makes this tedious process easy, call John.
John made this entire process effortless. With this being my first home buying experience, he explained everything to me every step of the way. I will recommend his services to everyone I know looking to buy a home.
It was excellent !
John was great at explaining the whole process. John was always prompt with contacting me with any questions or concerns I had. He and Jessie D'Jacimo helped me through the whole process. Thanks John and Jess! Happy New Year! 🥳
John and his team were incredible to work with. Any challenge that came up during the home-buying process was handled quickly and with care. John always had my best interests in mind, and I would highly recommend him to anyone buying a home. I will absolutely continue to work with John for both my business and personal mortgage needs.
John was so helpful, walking me through the whole process and helping me to understand and answering my million questions. He was also very accessable and available to talk when needed. He went over and above to make this a pleasant experience and went out of his way on multiple occassions to help me with things and calm my nerves.
He never gave up on me! Gave me clear direction and instruction throughout the entire process. He was a calming voice of reason when I wanted to give up! He was knowledgeable and personable…not a salesman! I am forever grateful for his dedication and passion for helping people!
The whole process was painless and was very quick! John was always available for any question.
John was always reachable throughout the whole process, even if we had questions later in the evenings. John provided us with all the information we needed and guided us through the seemlesy.
John was absolutely fantastic! From the beginning to the end he definitely made the process smooth and stress free. He's truly a blessing and so very helpful with everything and anything to my needs. Great caring guy.