Annie Herdman
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
Team Home Sweet Loan is amazing! I have heard nothing but great things from my clients that use them to get pre approved. Communication is key & they do just that!! Highly recommend!
They have done multiple loans for multiple agents within my company and always do a great job
Annie was friendly and helpful. She was happy to answer any questions I had and she looked out for my best interest. I look forward to working with her again someday!!
Annie Carbon did a great job working my case. always ready to answer questions regardless of the day and time. She demonstrated knowledge in the type of loan that I needed. If at some point I bought another house again, it would be my first option before going to someone else. Thank you for being part of those who helped make a dream come true.
I recently purchased a home through Waterstone Mortgage and the help of their loan officer Annie Carbon. Ms. Carbon was a pleasure to work with. She was very knowledgeable, always available to answer my questions and patient with my constant pestering. Texts and e-mails were responded to promptly. I would recommend Annie and her team to anyone needing help with a home purchase. This includes my own son in the near future.