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
Seeing the steps in the process getting checked off.
I had an excellent experience working with Adam at Novus as my loan officer. As a first-time homebuyer, the entire process felt overwhelming at first, but Adam made everything smooth and stress-free. He was always available to answer my questions, picked up the phone whenever I needed guidance, and took the time to explain every step clearly. I truly appreciated his transparency and honesty throughout the process. Adam worked hard to help me find the best possible route to purchase my home and made sure I understood all of my options. Thanks to his professionalism and dedication, I felt confident and supported from start to finish. I highly recommend Novus to anyone looking to buy property—especially if you have the opportunity to work with Adam. He made what could have been a complicated process a great experience!
Adam was great to work with and made the process so easy!
Adam made the entire process easy and stress free. He answered every question I had fully and in the simplest way that made it easy for me to understand.
Adam is attentive, knowledgeable, and took care of everything we needed any time we asked. He is the reason we went with Novus for our mortgage needs.
Absolutely phenomenal. Very cool dude, if I have the opportunity to use him again for home buying i would do it at the drop of a hat. Keep him around.
Adam was great to work with,he took a bad experience with another loan company and turned it in to a great experience with Stockton mortgage. I would definitely use them again and refer everyone to use him. He is great to work with and very fast getting the process done.
It was a pleasure working with Adam. He made the home buying process quick and easy. Answered all my questions and concerns in a timely manner. Just a great person to work with! Thanks so much for all your help!
Adam went above and beyond for me and my family! We highly recommend using him for all your mortgage needs! Thanks again!
Adam was a true professional. Kept me informed and up to date during the hold process. From the start of the loan process to the end was quick. Thanks again to Adam.
Adam was absolutley amazing. He helped up tremendously through our first time home buying process. He was always available for us to call Him, and helped explain everything to us to understand. Grateful for Him and his lovely wife for surprising us with a beautiful delicious cake to celebrate. Thank you Adam!
Adam did a great job for us. It was a quick and easy process. Highly recommend!
Big thanks to Adam for helping us get our dream home! It was a smooth and easy process. He even drove 3 hours to be with us on closing day. Highly recommend!
Adam went out of his way to help us at every turn during this process. I would recommend him to anyone looking to make a purchase, as he did his very best to make everything as stress free as possible.
Adam is great. Highly recommend.
Very personable and transparent.