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
Brittney was amazing to work with and working with her was a 10/10 experience. However, working with the underwriter, the bank attorney, and other northpointe staff was tedious, tiresome, and overwhleming. Overall, I would reccomend Brittney to anyone looking to purchase a home. However, I wish the staff at Northpointe provided accurate information within a timely manner.
Brittney was amazing to work with. 10/10 experience. However, dealing with anyone else was tedious, and tiresome. The underwriter took 3 weeks to finalize things, and new information, or previous provider information was requested almost every single day through that time. Additionally, the final cost to close, including down payment, was not finalized until 2pm the day before a 9am closing. Then we came to find out that that amount was incorrect as someone on the bank's side had made an error. Luckily the cost to close was less than the original check. Overall Brittney was stellar and we would recommend her to anyone and everyone we know, but the overall experience with Northpointe was lack luster.
Brittney made everything very easy! She was always there to answer any questions! I would always recommend her!
Very easy going and handled everything well
Brittney was amazing. She explained everything perfectly and ushered me through the process without issue. Great communication, and will highly recommend to my friends and family moving forward.
Brittney made this experience very stress free. She was very informative and genuinely cared about the process and how I was doing throughout and took/ made time to answer my questions and clarify any confusions or concerns I had. She made this process very easy and guided me through what was going to happen each step of the way. I always knew what was coming next and what to expect. That was really settling for me. There were no surprises. She is very good at what she does. Again her real tribute was her kindess and caring demeanor when we communicated. You know that Brittney cares about her clients. I feel very fortunate to have had this experience with her. She is and was truly wonderful to work with.
Britteny did an excellent job jeeping ke informed on the process
Refinancing/Mortgage application procedure was made very easy and seamless.
Brittney made my Refi process so quick and painless. Very easy to work with
Brittney was amazing always replied quickly and made the process smooth and painless
Great communication and pleasant to deal with.
Very professional
Family connection
Brittney and her team were a please to work with on our home purchase and I will highly recommend them to anyone looking to purchase a home !
Brittany is amazing at her job and actually talks you through the process . I felt she has a heart of a teacher and I was grateful to work with her
Quick, easy and informative.