Branch Manager
Loan Officers
We’re proud to serve homebuyers
Our branch is proud to serve homebuyers and homeowners throughout our area and beyond. Our team combines local warmth with the expertise and resources of a leading mortgage lender.
Whether you’re buying your first home, upgrading to meet your family’s needs, or refinancing to achieve your financial goals, our loan officers are here to guide you every step of the way.
With personalized service, local insight, and a commitment to making the process simple and stress-free, we’re dedicated to helping you find the right loan solution for your unique situation.
Explore Our Loan Programs
Looking for home financing in Huntsville, Alabama? At Novus Home Mortgage, we offer a wide range of mortgage solutions for homebuyers, homeowners, and real estate investors.
Whether you’re buying your first home, investing in rental property, or need a more flexible loan option, our Huntsville team is here to guide you every step of the way.
Affordable homeownership options for mobile and manufactured homes
If you’re looking for an affordable way to buy a home in Huntsville, manufactured housing can be a great option. We specialize in helping buyers finance mobile homes with a clear, simple process.
What to know:
- Available for singlewide and doublewide homes
- Home must be on owned land (no leased land)
- Minimum 680 credit score
- Homes must be built after 2005
- Must be on a permanent foundation
- Minimum loan amount: $250,000
We’ll guide you through everything, from eligibility to closing.
Investment property financing made simple
Investing in rental property in Huntsville? Our DSCR loan program allows you to qualify based on the property’s income instead of your personal income.
Why investors choose this:
- Qualify using rental income
- Loan amounts up to $1.5 million
- Works for single-family, condos, and multi-unit properties
- No traditional income verification in many cases
- Purchase, refinance, and cash-out options available
Perfect for growing your rental portfolio faster.
Mortgage solutions for business owners and independent contractors
If you’re self-employed or earn 1099 income, qualifying for a mortgage doesn’t have to be difficult. We offer flexible options designed around how you actually earn.
Key benefits:
- Use bank statements instead of tax returns
- No W-2s required for many programs
- Competitive rates
- Available for primary homes and investment properties
We make the process straightforward and easy to understand.
Buy a home with less money out of pocket
Buying a home in Huntsville is more achievable with down payment assistance. These programs help cover upfront costs so you can get into a home sooner.
Program highlights:
- 3% to 5% assistance available
- Minimum credit scores starting at 640
- Some programs offer forgivable assistance
A great option for first-time homebuyers in Huntsville.
Buy, renovate, and upgrade your home with one loan
Looking at a fixer-upper or planning upgrades? Renovation loans allow you to finance both the home and improvements together.
Available programs:
- FHA 203(k) Loans
- Fannie Mae HomeStyle® Loans
- VA Renovation Loans
What you can do:
- Finance repairs, upgrades, and improvements
- Combine purchase + renovation into one loan
- Access flexible options for small or large projects
Turn potential into your dream home.
Our Services
Home Purchase Loans
Refinancing Options
Personalized Consultations
Loan Program Guidance
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
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.
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
