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
Tony and his team made the home buying process feel seamless and helped us every step of the way. Thanks Tony!
The attention to detail. Talking through the process in and making sure I understood every part. 10/10 couldn't recommend enough
Anthony and his team work very well together. Everyone was very helpful and patient during our process.
The job got done!
THE HOLE TEAM WAS JUST AMAZING
Timely and accuarate information.
Tony and his team were great to work with! His communication was excellent throughout the whole process and he had all the details pulled together quickly. I would highly recommend Tony to anyone in the market for a new mortgage.
I cannot say enough good things about Tony and the entire team! From start to finish, Tony was incredibly responsive, professional, and on top of every detail. Calls and texts were answered at all hours of the day and night, and I never felt like I was left wondering what was happening next. The application process was extremely easy, communication was excellent, and the follow-up from Tony and his team was outstanding. They kept everything moving, stayed ahead of deadlines, and helped make sure my purchase made it all the way to the closing table. Tony truly went above and beyond, and his level of service is exactly what you hope for when making such a major purchase. I would highly recommend Tony to anyone looking for a loan officer who is knowledgeable, dependable, accessible, and genuinely committed to getting the job done. Thank you, Tony, for helping make this purchase happen!
Thank you!!
I just wanted to thank Tony & his team for helping my wife & I thru the whole process. we felt Tony did a great job answering all of our ques and made sure he understood what oor goal was. Thanks again!!!
Toni and his team responded to all my needs immediately. I would highly recommend Tony to others.
My experience with Tony and his team delivered a top notch treatment. Prompt, informative, and transparent responses to questions, emails, and concerns eased my worries and troubles. Minimal issues or troubleshooting popped up due to their thoroughness, and when those times did occur, they were handled with prompt and priority care.
Im very blessed for Novus team. Thank you for all that you do
Tony was fantastic! We felt so cared for through the whole process. He took the time to answer every one of our questions and was patient and kind with us. Couldn't recommend him and his team more!
Tony Perri and his staff did an outstanding job with my refinance loan. I will definately go to him and his team for all future rental property loans. I was always aware of the progress and the emails always kept me aware of the next steps until the wrap up of the loan. Veronica, Suzie and Jillian all did their part to complete the loan. They were all friendly, kind and informative during the process. Thanks again Tony and team!!!
You guys are awesome