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About Terry

With over 25 years in residential lending, I leverage my experience to help my team deliver the best mortgage products available today. The market today is always changing and shifting. I have learned the importance of remaining on the cutting edge in delivery of products and services in what is increasingly becoming a digital world. I prioritize a personal touch to assure a personalized experience for any customers who interact with our team. All this has allowed us to deliver lending services at lightning speed while helping assure our customers are able to make the best choices to serve their families and protect their most important investment, the family home!

 

Loans Offered

Novus Home Mortgage, a division of Ixonia Bank, offers the most diverse set of loan products in the industry. No matter what situation you may face, we set you up for one thing: to help a family get into a home. Novus Home Mortgage has the product mix for every customer.  

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Conventional
  • Direct Freddie Mac
  • Direct Fannie Mae
  • Federal Home Loan Bank
  • Fannie Mae HomeReady
  • Freddie Your Path
Government
  • FHA Standard
  • FHA No FICO
  • FHA High Balance
  • USDA
  • VA IRRRLs
  • VA Purchase
Niche Programs
  • ITIN
  • Medical Professionals
  • Non Agency Jumbo
  • Bank Statement Programs
  • Foreign Nationals
  • Non-Warrantable Condo
  • Non-QM Programs
  • Bank Portfolio Options

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Loan Officers

Our dedicated team of loan officers works to create a streamlined process from application to closing. Loan officers are committed to understanding a customer’s long-term and short-term goals, and they will create a lending experience designed specifically for you.

Meet THE TEAM

The dedicated team of support staff works to create a streamlined process from application to closing. They are committed to understanding a customer’s long-term and short-term goals, and they will create a lending experience designed specifically for you.

SIMPLE. DIGITAL. OUR 5-STEP LOAN PROCESS.

Make your homeownership dreams a reality when you work with our experienced loan officers. Follow our step-by-step guide from your loan pre-approval, home search with your realtor, home appraisal, and insurance process to your mortgage close. These 5-steps layout the mortgage loan process to owning your new home and opening the door to a new world of possibilities.

Don't Just Take Our Word For It.

Questions? Ask Terry!

NMLS # 288703
Apple Valley, MN 

Get Started With Terry Kinney

With over 25 years in residential lending, I leverage my experience to help my team deliver the best mortgage products available today. The market today is always changing and shifting. I have learned the importance of remaining on the cutting edge in delivery of products and services in what is increasingly becoming a digital world. I prioritize a personal touch to assure a personalized experience for any customers who interact with our team. All this has allowed us to deliver lending services at lightning speed while helping assure our customers are able to make the best choices to serve their families and protect their most important investment, the family home!

Have Questions?
WE Have Answers.

  (844) 337-2548
  info@novushomemortgage.com