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
His professionalism was Awesome! He answered every call and question promptly. Made us feel at ease with the while
Austin was a great loan officer to have . He stayed in contact with me throughout the entire process and helped answer any questions that I had. If I need a loan in the future I will be coming back to Austin.
Novus is an outstanding mortgage company. They closed on my loan fast and provided me with the best service. A++
Austin provided me with outstanding service. He is friendly, knowledgable and extremely helpful. Thank you so very much for the excellent mortgage rate as well as fast closing.
My Dad Austin is the best home mortgage person.
Austin is the man.
Austin went above and beyond to make this transaction go as smoothly as possible. He is very knowledgeable and was always available to answer questions, day or night. We will highly recommend him to anyone looking to purchase a home. All around excellent experience!
Will do their very best to take care of all your financial needs.
Austin Swift surpasses any customer service I've ever experienced! His flexible hours and dedication to my loan process made me feel valued and respected as his client. Building a house is stressful enough, and I can honestly say Austin was a breath of fresh air during the process. 10/10 HIGHLY RECOMMEND!
Austi was extremely professional with our Mortgage process. Gave us all the information and more! He has no none sense process, easy to follow, diligent in his follow up and immediate responses were outstanding! We could not have had a better proponent in our corner. We highly recommend Austin Swift for your mortgage or other lending needs!
Austin went the extra mile to help us get our house closed on time! He helped us with marketing ideas to sell our existing home and closing on our new home! Things were so smooth because of his hard work. We were able to lock an amazing interest rate and everything went perfectly.! We would highly recommended him to friends and family.
Austin Swift is an outstanding asset for US Capital Bank and a valuable resource for borrowers. From my initial application throughout the process to the closing table, Austin was 3 steps ahead of the process and always presented solution options to handle any issues before the issue became a problem. Austin was in communication with both the selling realtor and my buyers agent as well as the closing team, property inspector, surveyor, underwriting… I was informed on the market, location, appraisal, equity potential, inflation, future options, insurance…Working with Austin was the best mortgage decision I could have made. I will refer Austin Swift to anyone looking to buy.
I cannot recommend Austin enough. He helped me and led the way for me to refinance my home, work through a home equity line, and purchase a second home. Would’ve been lost with out him. His experience, organization, and follow up are second to none
Mr Swift was very professional throughout the process. Timely and accurate communication which enabled the process to run smoothly even with the issues that arose during the process. I will definitely be using Mr Swift for any future Real Estate needs.
Austin is extremely knowledgeable and provides excellent customer service. He treats you like you're his # 1 client with valuable information, his attention to detail and deadlines, and prompt response by telephone, text, or email. Austin proceeded with the best interest of the client at every opportunity. He is the only mortagge loan officer I will work with.
Austin provided me outstanding customer service without a doubt. Austin was available to answer all of my questions, day or night, 24-7 to include weekends. That was unbelievable!! Additionally, I not only received a super low interest rate for my refinance, I learned a great deal about refinancing. Others loans officers would never make time to do that. Yes, indeed, I am a very happy customer.