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.
Explore Our Loan Programs
Looking for home financing? 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, we’re here to guide you every step of the way.
Found the perfect condo, but it doesn’t meet traditional lending guidelines? A non-warrantable condo loan may provide the financing solution you need.
Common examples include:
• Condo projects with a high percentage of investor-owned units
• Buildings that allow short-term or vacation rentals
• Associations involved in current or pending litigation
• Properties with significant commercial space
• Communities where one owner controls a large share of units
Every condo is unique, and so is every loan. Let’s explore your options.
Investment property financing made simple
Investing in rental property? 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, 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
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
Very professional and was able to answer all questions that I had throughout the process.
The process was very smooth and my wife and I learned so much.
Amber and her team made the home buying process easy!
Everything
Amber was absolutely amazing to work with! It took my husband and I quite awhile to find the perfect home and Amber was patient and checked in at the perfect times! She answered every question we had promptly and precisely . She truly was such a blessing in our first home buying experience . I couldn't recommend her more! We love Amber!
The whole process was as smooth as could be! Amber was very helpful making it as easy as possible!
Amber was absolutely amazing! Very friendly and made this whole process so easy. I will definitely recommend her to everyone. Excellent communication and always there for us every step of the way. We couldn't have done this without her.
She's very attentive and answered her phone every time we called.
Amber was responsive and understanding to all question. Her guidance was perfect.
Amber did a fantastic job of keeping us informed of the process & she made sure we understood everything she answered all our questions & concerns promptly .
Amber was there for us all throughout the process, she gave us piece of mind answering all our questions and making it seamless
Amber was super responsive and was ready to answer any questions we had. She made the process of buying a house very easy and stress free
The best thank you 😊
Amber is so sweet and made the process seamless for us as first time buyers. If ever there was a client that was going to be difficult to deal with it would be me because I stress alot but she made everything comfortable for me and was always only a call away!
Amber was referred to me from my banker and I couldn't have been more pleased. I explained my needs to Amber and she took care of everything. She got back with me when the rste was prime and it was fast and easy. I couldn't be more pleased.
Amber was available and quick with responses to any of my questions. Give her a promotion/raise!