Skip to main content

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

Younger woman in her new home

Home Purchase Loans

Expert guidance through the home buying process
Young family with children in new home

Refinancing Options

Solutions to lower your interest rate or monthly payments
Younger couple starting out in first home

Personalized Consultations

One-on-one meetings to discuss your financial goals
Family outside just sold new home

Loan Program Guidance

Detailed explanations of different loan programs available

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.

Younger couple in new home with plants

Proudly Giving Back

We volunteer, sponsor local events, and support programs that strengthen our community.
Older couple walking into new home

Local Food Drives

We partner with local food banks to fight hunger, sponsoring community drives that help families in need.
Couple enjoying move-in day in new home

Youth Sports Sponsorships

We’re proud to support local youth sports programs, helping kids build teamwork, confidence, and lifelong skills both on and off the field.

Estimate your mortgage

See estimated monthly payments based on your loan details. Compare scenarios to find what best fits your budget.

$

5%

1%

5%

0%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly PMI $0

$

5%

1%

5%

$
$

$1421

Monthly FHA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Up-Front MIP (1.75%)$0

Monthly Mortgage Insurance $0

$

0%

5%

1%

$
$

$1421

Monthly VA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Purchase Price $1421

VA Funding Fee $1421

Amount Financed $1421

$
$
$
$
$
%

You can afford up to

$

Monthly Payment $

Principal & Interest $

Tax $

Insurance $

$
%
months
$
%
months
$

Refinancing could save you

$/month

New monthly payment $

Refinance fees $

Lifetime Savings $

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.

Younger woman in her new home

Get Pre-Approved

A Novus pre-approval gives you a clear idea of what you can afford, helps you understand your loan options, and strengthens your offer when it is time to make a move.
Unboxing and move in day

Explore Your Loan Options

From conventional, FHA, VA, and USDA loans to Non-QM, jumbo financing, and down payment assistance programs, we help you compare options and choose the one that fits your goals.
Younger couple starting out in first home

Find the Right Home

With your pre-approval in hand, you and your real estate agent can focus on homes that match your budget and priorities. Your loan officer stays connected throughout your search to answer questions and offer guidance.
New couple in home during move in day

Apply and Submit Documents

Our technology makes it easy to apply, upload documents, and see what’s next. Your loan officer will walk you through exactly what is needed and help you stay organized to keep your application on track.
First time homebuyer with my new home sign

Processing and Underwriting

Our team reviews your file, verifies your information, and prepares your loan for underwriting. Underwriting is the step where a loan expert reviews your financial details to make sure everything meets the guidelines for your loan. We keep you updated throughout the process and let you know if anything else is needed to keep your loan moving.
Family outside just sold new home

Closing, Getting Your Keys, And Beyond

Once your loan is cleared to close, you’ll sign your final documents and celebrate becoming a homeowner. Your Novus loan officer is here for you long after closing, whether you need answers, updates, or help with future financing.

Real Stories from Real Owners

Bill and his team were very responsive given our circumstances of being out of the country. They were accommodating to our schedule and the process was seamless! I highly recommend Bill and his team to anyone looking to purchase a home! We will continue to work with him on any future properties.
Kim E.
April 29, 2026
Bill and his whole team were so responsive!! We've purchased other homes and had other mortgage companies. Our experience with Bill was quick, transparent, reassuring and comprehensive. The whole team made the process of buying a whole 2 states away nearly painless! Thank you so much Bill.
Diana K N.
HELENA, MT
April 28, 2026
Great communication. Thanks!
Chase H N.
HELENA, MT
April 24, 2026
Bill and his team made a difficult process go as smoothly as possible.
Elizabeth M.
Silver Star, MT
April 16, 2026
Bill and his team made the process easy! We had to work quickly and the teamwork and communication from Bill's team was amazing!
Kyle R.
April 9, 2026
Bill and his team work focus more on the "trust" than the "transaction." It makes the whole process feel more relaxed and simple.
James C.
Golden, CO
April 2, 2026
Bill was great to work with. We had a tough one to get through, and all of us together got the job done! If you think you may have a tough deal, then Bill and his team can get the job done!
Mary Y.
April 1, 2026
Bill and his team were great to work with. Salesy at times but once I met him in person I understood his personality much more. He acts in his client's best interest and is helpful when you have questions.
Sam W.
March 24, 2026
Very responsive team at a fair price.
Coleman Chalmer N.
Butte, MT
December 31, 2025
matter how much paperwork was necessary, Bill was right there to help me through that process. Sometimes I became frustrated and Bill helped to alleviate some of that.
Barbara R.
Boulder, MT
December 20, 2025
Bill and his team were great and communicated very efficiently. Process was easy to follow and using the app made it even easier.
Davin B.
Helena, MT
December 19, 2025
Everyone is so professional, efficient, very polite and nice. It was a stress free experience. I trusted and had 100% confidence in their ability to get what I needed done! Thank you so much!
Janet M. M.
Aurora, CO
December 19, 2025
Bill is excellent at sourcing great loans and communicting with his clients throughout the process!
Paul J Z.
Castle Pines, CO
December 13, 2025
Bill helped my husband and I buy our first home and made the process so easy to understand. He was extremely supportive and easy to get ahold of.
Johanna H.
Anaconda, MT
December 10, 2025
The entire process, by all involved, was handled expediently and professionally.
Sandra M.
Butte, MT
December 10, 2025
working with Bill and team it was excellent. They helped me out with everything. The answer every question that I have the best team to work with. thank you.
Natnael I.
Commerce City, CO
December 10, 2025