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
Brett and Tori were very patient with me through the entire process. They answered my questions in a timely manner, and I felt like they were truly looking out for me.
The whole process was well informed and least to understand
Quick reaponse and smooth transaction. Could not have been a better experience!
Very helpful and professional Novus home mortgage made everything so easy. All the documents that were required were signed electronically which made the process very easy and stress free.
After working with another lender, I was told that getting the deal done simply could not be done. I decided to give Brett and his team a chance, and I am SO glad I did! From start to finish, they were professional, transparent, and incredibly knowledgeable. They kept me informed throughout the entire process, clearly explaining the numbers, down payment, and every step along the way. The process was smooth, and they made what could have been a stressful experience feel manageable. Thanks to Brett’s expertise, dedication, and ability to think outside the box, we were able to close the deal and get into our dream home! I am extremely grateful for Brett and his entire team. If you’re looking for a lender who genuinely cares about helping families achieve their homeownership dreams, I highly recommend them!
I’m incredibly grateful for all the time and effort Brett put into helping us get approved for our mortgage loan. They never made me feel like just another client and were there to answer every question along the way. Brett stayed in contact with us for two years and he always followed up! He is Amazing!!! it was incredibly stressful moving cross country from Northern California -However Brett and the Novus Home team and Their dedication and professionalism made such a difference. The process was a breeze! Thank you for helping make homeownership possible for me and my family in Central Florida! We couldn't be any more grateful! if your in Florida or thinking of moving to Florida this is your guy!! id give 10 Stars if I could!!!! Thank you Brett and the Novus Team!
Made first time buy a home a breeze. Him and his assistant , Tori were super responsive and assisted us along the entire process.
He made the whole process so easy and he was so helpful. He was so knowledgeable about all the details of the loan process and called me back immediately as soon as i would call with any questions Thank you Brett for all you have done for me with the loan you were great.
The whole transaction was handled in a timely and professional manner. Brett's team was on top of every issue and kept us informed every step of the way. We are truly excited about this new chapter in our lives, and Brett's team was key in making this happen. We definitely recommend him and his team.
elise Hamilton went above and beyond to answer any concerns and questions. She was always available and she was very patient with me as I was very anxious about providing the documentation that was needed. I am not a technological person, but she really made the process better.
Brett and his team made this process the easiest it could possibly be, highly recommened. All paperwork was completed via Docusign and they answered phone calls even off hours
I’m very grateful for the amazing support I received throughout my homebuying process. The team was incredibly patient and guided me every step of the way. They helped me thru the application for the Hometown Heroes program and secured a great interest rate for me. Their teamwork and professionalism truly stand out, and they clearly know what they are doing. I highly recommend them to anyone looking for a smooth and reliable mortgage experience.
I’m very grateful for the amazing support I received throughout my homebuying process. The team was incredibly patient and guided me every step of the way. They helped me during the process of applying for the Hometown Heroes program and secured a great interest rate for me. Their teamwork and professionalism truly stand out, and they clearly know what they are doing. I highly recommend them to anyone looking for a smooth and reliable mortgage experience.
Brett and Novus were anazing, thank you for everything!
Great painless transaction
Simple and thorough process.