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 wonderful experience working with Chris and his entire team throughout the mortgage process. Everyone was friendly, professional, and very responsive. Whenever I had a question or concern, they took the time to answer it promptly and explain things in a way that was easy to understand. I never felt ignored or like I was left wondering what was happening. What impressed me most was how genuinely helpful and accessible Chris was. Even after closing, when I had a question, I called him and discovered that he and his family were on vacation at the beach. He still took the time to listen to my concern, answer my questions, and make sure it was taken care of. That kind of customer service is rare and very much appreciated. Buying a home and going through the mortgage process can be stressful, but Chris and his team made the experience much easier for me. I am very grateful for the excellent service I received and would gladly recommend them to anyone looking for a mortgage company that truly cares about its customers.
Everything went very smooth and easy
Had an amazing experience with Ashley. She was easy to communicate, nice, accessible and knowledgeable. Made everything easy and transparent. Higly recommended.
Outstanding service
Chris and Ashley were absolutely amazing throughout our entire home-buying process! As first-time homebuyers, we had a lot of questions, and they always took the time to explain everything and make sure we understood each step. Their communication was great, and they truly went above and beyond to make sure we got the best deal possible. We are so thankful for how helpful, patient, and supportive they were and would highly recommend them to anyone!
Chris was very attentive and made the process easy.
Chris was very personable and when talking with him it felt like we have known each other for years
With this being a major purchase, it was a relief to find someone knowledgeable and sympathetic to our needs.
I had technology issues on my end & was helped throughout the process
Ashley was incredibly kind and personable throughout the process!
Chris was accommodating and helpful throughout the process and if ever we had any questions, he answered every call
The level of detail Chris went into explaining all our options and desire to get us the right loan for us. What took it over-the-top was the pairing of our realtor and Chris.
Very informative throughout the process with constant upates. All the while getting it done very rapidly and precisely. I will recommend Chris to all and use him any chance I get.
Chris & Ashley were the best finance people I have ever worked with! Extremely knowledgeable, top notch on communication and just genuinely great people to get to know
Chris and his team were great Made the whole process easy. they were available anytime for questions and kept us updated on process