TOP LOAN ORIGINATOR WITH PHFA
I’m proud to be recognized as a Top Loan Originator with PHFA (Pennsylvania Housing Finance Agency). This achievement represents the trust my clients place in me and my commitment to delivering a smooth, informed, and supportive home financing experience.
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
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
As a first time home buyer without an agent, I had a LOT of questions and Sara was awesome about answering them. Her responses were always timely and thorough. The PHFA loan process seemed kind of daunting in the beginning and like a lot on top of the usual home buying process but Sara made it all very straightforward The online portal for managing the process and documents was great and easy to use.
Sara was excellent to work with! She was very thorough each step of the way. I was always able to get a hold of her very quickly. She took the guesswork out of the process. It was simple, fast and straightforward! I highly recommend Sara! I had zero concerns.
As a first time home buyer without an agent I had a LOT of questions and Sara was great about answering all of them, and helping me navigate the PHFA process on top of the usual stuff.
The prior company that I had selected dropped the ball repeateldly and I only started working with Sara less than 3 weeks from closing on my home. Eveything was mostly wrapped up within 13 business days. Sara came highly recommended from my realtor "Sara Cipriano is my go-to. If she can’t figure it out, I don’t know who can". My realtor was not kidding! I'm sitting in my new home. Thanks Sara!!!
she was there for every moment from start to
Very quick and helpful with everything I needed and asked for.
easy process!
Closing day!
They were there for me every step of the way
I would recommend them to anyone who needs a home
Sara was incredibly knowledgable on the different grant and assistance programs available to me. The initial call was very direct and transparent. There were a few times throughout the process where communication could have been improved, but overall I would recommend Sara to anyone looking for a lender; especially if you are looking at non-standard loans.
Everyone we spoke to was kind and helpful.
She very accommodating
Was always there to answer questions about anything and explain.
Prompt communication.
Timely actions and great communication.