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
I honestly cannot thank Carlos and Natalia enough for everything they did for our family. ❤️ From the beginning, they were there for us every step of the way. I had a million questions (and probably a million messages 😂), and they were always patient with me, always explained everything, and always made sure we knew what was going on. This process definitely had its stressful moments, but I always felt like Carlos and Natalia were doing everything they could to get us to that closing table. They never made us feel like just another client. They truly cared about getting our family into our home, and that meant so much to me. David and I worked so hard for this, and being able to finally say that we are homeowners still feels amazing. 🏡❤️ Carlos and Natalia were such a huge part of making that happen. If you are thinking about buying a home, I 100% recommend Carlos and his team. You want someone who is going to answer your questions, fight to get things done, and be there with you until the very end—and that is exactly what they did for us. Thank you both from David, the kids, and me. We will always be grateful for you! ❤️
The staff was friendly, professional, and very helpful. Everything was explained clearly, the process was quick and easy, and I felt well taken care of throughout the entire experience.
The staff was friendly, professional, and very helpful\. Everything was explained clearly, the process was quick and easy, and I felt well taken care of throughout the entire experience
Very efficient and professional team! carlos got everything done in no time!
Carlos Wejebe is simply the best lender ever! Working with Carlos has been an outstanding experience from start to finish. His knowledge, professionalism, communication, and commitment to his clients truly set him apart. Carlos goes above and beyond to make the lending process smooth, clear, and stress-free. As a Realtor, I truly appreciate having a lender I can trust to communicate effectively, find solutions, and keep everyone moving toward the closing table. Carlos is responsive, knowledgeable, and always puts his clients first. If you’re looking for a lender who genuinely cares about your goals and delivers exceptional service, I highly recommend Carlos Wejebe. He is a true professional and an incredible partner in the real estate process! Thank you, Carlos, for everything you do! 👏🏽🏡🔑
Me trato con respeto profecional. el servicio excelente..
I can tell with not doubt that Carlos is a great person….. He made so smooth and thanks to him we closed in about 35 days….
Faster and greater
Una persona excepcional, de un corazón enorme. Así que no duden en contactarlo para que los ayude con sus préstamos y sean sus propios dueños de la casa de sus sueños. Gracias Carlos por ayudarnos a cumplir nuestros sueños.
It was great esperience the process
Son excelentes en lo que hacen, demostraron profesionalismo y compromiso en todo momento; mi experiencia fue muy positiva y los recomiendo totalmente.
Carlos, I don't even know where to begin. I just want to say thank you for your outstanding work and dedication in helping me buy my home. None of this would have been possible without you. I will always be grateful to you and your entire team for guiding me through every step of the process. Thank you for making my dream of becoming a homeowner come true! 🙌🏽🫂
Working with Carlos Wejebe, was one of the best decisions we made during our home-buying journey. From the very beginning, Carlos, took the time to guide my husband and me, and his knowledge and professionalism gave us confidence every step of the way. Carlos, made sure we were fully prepared for the entire process and was always respectful, kind, helpful, and incredibly efficient. We truly appreciate all of his support and highly recommend him to anyone looking for a trustworthy and knowledgeable lender. Thank you for helping make our dream of homeownership come true! Trabajar con Carlos, fue una de las mejores decisiones que tomamos durante nuestro proceso de compra de vivienda. Desde el primer momento se tomó el tiempo para orientar a mi esposo y a mí, y su conocimiento y profesionalismo nos dieron la confianza que necesitábamos en cada etapa. Se aseguró de que estuviéramos completamente preparados para todo el proceso y siempre fue respetuoso, amable, servicial y muy eficiente. Estamos profundamente agradecidos por todo su apoyo y lo recomendamos con total confianza a cualquier persona que esté buscando un lender confiable y con gran experiencia. ¡Gracias por ayudarnos a hacer realidad el sueño de tener nuestro hogar!
As a Realtor, I truly appreciate working with lending partners who are responsive, knowledgeable, and reliable, and Carlos Wejebe at My City Lending was exactly that. He communicated clearly throughout the process, kept everyone informed, and helped make the transaction smooth for my client. Carlos was professional, proactive, and easy to work with from start to finish. I highly recommend him to any buyer or real estate professional looking for a trustworthy lending partner.
Excelente servicio de parte de carlos . Siempre estuvo disponible para ayudarme y responder mis dudas durante todo el proceso. Todo fue rápido, claro y sin estrés. Lo recomiendo totalmente para cualquier préstamo hipotecario. ¡Muchas gracias
This was a fantastic and fast experience, thank you for all your support and patience. This process went by smoothly and quickly!