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 is a pleasure to work with, quick and effective, straight to the point and very knowledgeable
Working with Brian.
Brian and his team are super responsive and knowledgeable. They were great throughout the entire experience!
Brian was top of the line. He was patient with me, a new home owner, and walked me through every step of the process. I would highly recommend Brian Tarwid.
Brian was an awesome resource and he really helped me get where I needed to be with my mortgage
Brian was great! He went above and beyond to help us get our dream home. Excellent communication.
Being the first in my family going thru the process of buying a house I just had Billions of questions and some very dumb… but Brian was always available, like we would jump on a call at 9pm.. No kidding! Very professional, passionate and very knowledgeable. Made sure to comunicate and have examples in case I didn’t understand. Also and more importantly! 1 week prior to close, he calls me with the news that he was leaving the company. Obviously, I panic but He make sure I had his personal contact info, connected me with the new point of contact and team and offered to remain helping me until the transaction was completed. As the days were passing by, 2 days before close, the sellers title company wanted to move the close date claiming they weren’t really. Brian was constantly checking to see how things were and that day when he texted I told him what was happening. He immediately made some phone calls. The next thing I know is that we were good for closing and there was no issues. As a reminder, he was no longer the loan officer for that bank.. but because he cares and he is responsible he help thru the whole process. My realtor was pretty much in shock with the efficiency.. Thanks Brian!
Working with Brian made buying our first home go so smoothly! He was always willing to answer questions and help us along the way. Very personable! I would recommend him to anyone!
Brian was incredible! We had our mortgage from a different lender fall apart a couple weeks prior to closing. Brian was able to have an extremely quick turn around time. He made a normally nerve-racking experience stress free
Brian was very thorough with the entire process and very communicative! He made what would normally be a stressful situation go by so smoothly!
Brian and his team went above and beyond on our most recent deal. He really made the somewhat turbulent deal go super smooth.
Brian is always on top of things and knows all the tricks to get the job done as quick as possible
Everything went great
Great communication. Brian was very helpful in explaining things I needed to know. I felt very much at ease with him. I would definitely recommend him/Go Mortgage to others.
Brian took time to explain everything to me. He was always pleasant when speaking to me
Brian went above and beyond throughout my entire home buying process. He was knowledgeable and anticipated all of my needs. This was a very tough market for a first time buyer, but Brian was extremely encouraging and was able to provide resources and data to aid me in my decision making. Brian was consistently available to answer any an all questions. He would even reach out each weekends to see how house hunting was going. He has single-handedly made my home buying process painless and smooth. I highly recommend Brian for all future home purchases.