Andy Toth
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
Well I had alot of questions. When I called he either answered my call or got back in touch with me very quickly. He always had a quick response to my questions. I felt very comfortable with his replys. Thank You for all the assistance. Keith D Rauch SR
The knowledge of the people I worked with. The time they took to close my application was right on time.
Outstanding service, Andy was extremely knowledgeable
They were very knowledge
Andy made the mortgage process easy and stress-free. He explained everything clearly, answered my questions with patience, and truly cared about helping me find the right loan. His professionalism and kindness turned a complicated process into a smooth experience—I’d recommend Andy to anyone.
Great communicator!
I would highly recommend Andy and the team to anyone.
Andy is very positive and knows the business. My first refinance with him was done is less than three weeks, a feat i thought was impossible based on my previous experiences.
Communication!!! Was the key to success.
My experience was outstanding. The service I received was very customer focused and everything explained to me in detail. They ensured that I understood every step in the loan process.
As the question asked earlier, the process was professional and transparent. All questions were straight forward and quick.
I didn't get a reinforced feeling with new loan company Newrez. I asked with ithe Fed's lowering nterest rates will they work on my loan in six months. That wasnthe major reason I signed up to get lower VA rates as they become available. Please advise.
Andy is absolutely amazing. I have worked with him for 2 refinance experiences and would not work with anyone else. His ability to provide the best interest rate possible; his thoroughness, knowledge and follow-through; and his making what can be an intimidating process comfortable is amazing. Top-notch!