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 had a great experience working with cesar . He was professional, knowledgeable, patient, and always available to answer my questions throughout the entire process. He made everything much easier and less stressful. I truly appreciate all his help and highly recommend him!
Cesar fue un buen asesor, nos explico las cosas muy bien y nos acompano en todo el proceso.
Recientemente he cerrado con el Sr. Cesar Maraver una operacion de compra e hipoteca en el desarrollo Flow. La experiencia ha sido excelente, ya que su trabajo no solamente fue de una profesionalidad absoluta, sino que ha estado siempre dispuesto a solucionar cualquier problema o responder cualquier consulta. Todo el proceso se desarrollo tal cual Cesar lo explico. 100 % confiable y recomendable.
Working with Cesar and his team has been the most extraordinary experience I’ve ever had with property loans. Efficient, punctual, and sincere—he guides you step-by-step, always responds, and clarifies any questions. He is a true professional! I recommend him 1,000%! Congratulations.
Working with Cesar and his team has been the most extraordinary experience I’ve ever had with property loans. Efficient, punctual, and sincere—he guides you step-by-step, always responds, and clarifies any questions. He is a true professional! I recommend him 1,000%! Congratulations 🫶🏻🎉
Gracias al apoyo de César por sacar adelante este refinanciamiento el cual era un caso atípico y bien complicado, y les puedo decir que César te lo hace ver que todo es fácil!!! La verdad fue un proceso ligero y cero trauma!!! Gracias César
Cesar was able to obtain an investment loan for me at a rate close to a homeowners’ rate. He answered all my questions promptly. In the end, I was surprised even with a better monthly payment than expected and much lower closing costs. Thank you, Cesar, for all your hard work!
I’ve had a great experience working with Cesar and highly recommend him to anyone looking for a smooth and stress-free mortgage process. He is incredibly detail-oriented, making sure every step is clear and handled properly. What really stands out is how friendly and approachable he is. Cesar genuinely makes clients feel at ease, confident, and comfortable from start to finish. Very helpful when working with foreign clients, offering excellent guidance and taking the time to explain everything thoroughly. His professionalism and patience make a big difference, and it’s clear he truly cares about helping people succeed. Overall, it’s always a pleasure working with him, and I look forward to continuing to do so in the future.
Cesar Maraver was excellent to work with as a loan agent. He was professional, knowledgeable, and very responsive throughout the entire process. He made everything feel smooth and straightforward, always taking the time to explain each step clearly. I truly appreciated his dedication and attention to detail. Highly recommend him to anyone looking for a reliable and trustworthy loan agent.
Attentive service with quick turnaround times! Thank you Cesar for taking care of our interests!
Cesar is great to work with. Very knowledgeable and customer focused .
Cesar was professional and transparent during Loan Negotiations.
Cesar was always available to answer questions and explain in detail every item. He also responded on weekends and nights. Very pleasant experience and I recommend him highly.