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Headshot of Bobby Stines, wearing a dark blue suit with a red tie

Bobby Stines

Loan Officer
NMLS #224528
5.0 Rating (9 Reviews on Experience.com)

Edina Branch
4570 W 77th St
Suite 250
Edina, MN 55435

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

All good and very pleasant
Carlos M R.
Lincoln, RI
December 10, 2025
The process was very easy. Excellent online tools simplified communication and paperwork. Your staff was very responsive to questions and requests. I felt confident in decision making every step of the way.
Jeff C.
Belmont, NC
January 19, 2023
Outstanding communication throughout entire loan process. Very helpful every step of the way, assisting in getting all required information processed in the easiest possible manner for me. Friendly, knowledgeable, and always available to answer my questions.
C S.
Gastonia, NC
September 22, 2020
William was super friendly and helpful for all our questions, especially as first time buyers. He made everything as simple and easy as possible for us and was readily available. He was even willing to work with us and get all paperwork ready and submitted to close a couple days early! Would highly recommend and use for future real estate needs.
Stephanie M.
Kannapolis, NC
August 17, 2020
William Roseberry and the supporting team were a pleasure to work with. They kept us informed of our loan process, were very clear with what they needed, and great at answering our questions and concerns. We ended up with a great rate on a 15 year loan, and as expected closing costs.
Roland B
Huntersville, NC
April 27, 2020
William was extremely helpful from start to finish. His experience made all the document and information gathering seamless during the pre-approval process. He was very friendly and always quick to respond to any inquiries. I would highly recommend William for anyone looking to purchase a home.
Rsweigart108
Concord, NC
April 21, 2020
My Loan officer was great and very keen on the ever changing economy in todays volatile economy with the tariff wars and rapidly declining and rising rates. He gave me hints on what to watch for and knowing I had a lot going on with showings of my house and what not told me when to execute on locking in a rate. Couldn't ask for better!
Rjackson703
Rock Hill, SC
December 12, 2019
We enjoyed working with William at PRMI very much. He made our first time buying a home experience super easy and fast. Very hands on, knowledgable and super responsive. He really listened to our needs and really took it all into consideration and guided us just accordingly. I will definitely recommend him to anyone I know.
Catherin Gonzalez
Mooresville, NC
August 15, 2019
Will and his team were awesome to work with. They gave me reports on detailed loan options extremely quickly to help us make our loan and purchase decision. The entire process was incredibly smooth and their communication was great. Would definitely recommend!
Hannah B.
Charlotte, NC
May 2, 2019