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Sara Cipriano

Branch Manager
NMLS #425999

Hermitage Branch
3871 E State St
Hermitage, PA 16148

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

Home Purchase Loans

Expert guidance through the home buying process

Refinancing Options

Solutions to lower your interest rate or monthly payments

Personalized Consultations

One-on-one meetings to discuss your financial goals

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.

Proudly Giving Back

We volunteer, sponsor local events, and support programs that strengthen our community.

Local Food Drives

We partner with local food banks to fight hunger, sponsoring community drives that help families in need.

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.

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.

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.

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.

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.

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.

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

Promptness and expedience.
Ericjon T.
New Castle, PA
January 10, 2026
Knowledgeable and efficient is how I would describe Sara throughout our transaction.
Melissa M T.
Butler, PA
January 9, 2026
Sara and her team are amazing!!
Dalton James S.
Finleyville, PA
January 2, 2026
Being fast and efficient
Michael C T.
Butler, PA
December 31, 2025
Sara came highly recommended! Without a doubt, 2 minutes into the conversation I knew we had the right person to lead the decision for us to make the right move. Within days ( like 3) she had a team member who reached out and had us ready to go. They have a lot of knowledge and experience to help get you into your desired destination! They answer questions with positive feedback and encouragement! Would definitely recommend them for you and your family. Check her out FIRST- They may be your last one you’ll ever need 😁
Chad A.
December 31, 2025
Everything was done in a timely manner even with Christmas being so close. Sara answered any questions my husband had and was a pleasure to deal with. I highly recommend working with Novus and ask for Sara
Haley B.
December 31, 2025
Everything was done in a timely manner, Sara was on top of everything especially with it being a holiday season. The Novus app is really easy to use and i will definitely make sure to recommend Sara and this company going forward.
Haley P.
Hermitage, PA
December 26, 2025
Sarah was professional, hard working, and went above and beyond time after time for us! I used to be married to loan officer. She never worked as much as Sarah did! I am so glad we worked with Sarah. Not only did she answer every question I had as soon as possible but she was able to get me a loan when others couldn't. Even the seller was skeptical because she had been burned before but Sarah was able to overcome the obstacles others couldn't with the septic issues. I will recommend anyone to Sarah!
Mason Lee W.
Meadville, PA
December 26, 2025
Sara was fantastic from the start to the finish and I would highly recommend her to my family and friends.
James B.
December 24, 2025
Sara was just great from start to finish. Would highly recommend to family and friends.
James Keith B.
Jamestown, PA
December 23, 2025
I am a first-time homebuyer and did not get a realtor. Sara was very professional and knowledgeable in all regards of the home buying process. Her personality and professionalism made me feel secure in my decision making and made the entire experience easier to get through.
Jennifer L M.
Erie, PA
December 20, 2025
Outstanding service and support
Ariadne B.
Hermitage, PA
December 20, 2025
Sara was great!!
Megan L L.
Beaver Falls, PA
December 19, 2025
team took the time to explain the questions that we had the process truly professional, well organized
Chad S.
Hilliards, PA
December 19, 2025
Sara was great and easy to get a hold of. She was really kind and helped us in every way to achieve the loan we needed for our forever home.
Harlie M M.
New Castle, PA
December 19, 2025
Sara was wonderful to work with! She promptly answered any questions I had and really made what can be a painfull experience – painless! This was by far the easiest mortgage experience I've had!
Patience C.
Wexford, PA
December 17, 2025