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
Brian did an excellent job explaining the application process and was very patient answering my many questions.
Brian was amazing to work with! I will definitely be using him for all my lending needs and recommending him to friends and family.
John really goes above and beyond for his clients! It was more like we were working with a friend. He made the whole process go better than we could have anticipated. He is so good at what he does!
John Rudolph is hands down the best lender I've worked with for any personal & professional real estate financing needs. I am a licensed real estate agent in the state of Pennsylvania, and my main source of income is from rental property – long story short I wasn't your typical W-2 client… my file was filled with complicated documents that other lenders simply didn't want to put the time or effort into carrying through to a commitment. Not only did John eagerly accept this task, but he was in constant contact throughout the entire process and personally followed up on each detail. John helped our family finance our new primary residence; our first Ohio property. I will be recommending his services in the future and will personally be using him for my future real estate investment financing needs. Thank you John!
John was on point throughout the entire process of our unique home buying experience. From getting a pre-approval going late on a weekend, to pushing the necessary parties to get the loan closed on time, John was the point of contact that kept all things moving and his communication was outstanding.
I was previously denied for a loan since I’m in the service industry working for tips. John knew we could make it work, we just had to jump through a few hoops. He was always there when I needed answers, if he didn’t answer the phone he’d shoot a text letting me know he was with a client and he’d call me right back. I knew if I ran into any issues John would take care of it, he was always on my team and pushing for my best interests.
John was awesome to work with! He always responded to any questions I had right away and really did make the buying process easy! I will never use anybody but him again!!
John truly went above and beyond in every aspect of making our home buying experience enjoyable and stress free. Our entire family felt at ease during the entire process thanks to John, despite moving from out-of-state. I highly recommend him to anyone even considering buying a home.
John is absolutely wonderful to work with! He goes above and beyond to help his clients and in a quick way! He was able to help us when no one else could. He is very knowledgeable and explains everything to you. He works day and night to get the job done and is always available when you need him. We couldn't have had a better experience, I highly recommend him!
When I say this guy is as great as they come, it is no exaggeration! He was dedicated, available, knowledgable, and willing to help and answer any and all questions throughout this PAINLESS process of buying my very first home. John made it so easy for me. I had my fears and doubts and without him I truly do not think I could have got through it. If I needed him to go over something for an hour over the phone, he would do it just so it would put my mind at ease. He found me the lowest interest rate and assured me the closing costs would drop… which they did! Everything John told me always came true which I couldn’t appreciate more. John is a no BS guy. I will recommend him to all of my friends and family! If you are even questioning whether to go with him, just do it!
John….. were do i begin.. Being a first time home owner buyer i must saythis experance was far from what i excepted it to be. With that being said i honestly couldnt imagine it ever being possible if it wasnt for john. NOW an days you DON'T find many people that truliy take pride in there careers, well this guy works above and beyond for his clients i can truliy say this company itself and all the agent's there eat sleep and breathe for there clients. When i tell you i would call John evrey 5 minutes for reassuring im not over exagerationing the least bit lol and he answered evrey single phone call and evrey single message. Hes was always calm always understanding suportive and ALL THE ABOVE. I strongly advise anyone reading this please do not hesitate i promise you he will not disappint you. You will also make a forever good friend out of your journey!!!!!
John Rudolph was tremendous throughout the entire process. John kept us updated as to the next required step in the loan process. John worked tirelessly on our behalf; responding to our questions late in to the evening and on weekends. We would highly recommend John if you researching mortgage options.
John was one of the most professional and compassionate people I have had the privilege of working with in my home buying experience. He helped walk my wife and I through our fist purchase and was able to answer any questions we had, as well as take the time to reach out to give us information on what was to come. I would highly recommend him to anyone working with Waterstone Mortgage. I will also note the professionalism and care that his associate Jesse DeJacimo had as well. We could not have worked with a better group!