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
Working with David Boatright was honestly one of the best parts of our home-buying journey. From day one, David treated us like more than just clients — he treated us like family. He was always there when we needed him, no matter how many questions we had or how complicated things became. He was patient, honest, incredibly responsive, and always found a way to make us feel confident that everything was going to work out. There were definitely stressful moments during the process, but David never gave up on us. He kept working, kept communicating, and kept pushing everything forward until we finally made it to closing day. That meant so much to me and my family. David, I genuinely want to thank you from the bottom of my heart. You didn’t just help us get a mortgage — you helped us achieve a dream and get the keys to our new home. 🏡🔑 I will always remember the way you helped my family during this important chapter of our lives. You are an incredible loan officer, but even more importantly, you are a great person. I’m truly grateful that we had the opportunity to work with you. If anyone is looking for someone they can trust, communicate with, and feel comfortable having in their corner, I would be happy to recommend David and the Novus team. David, my friend — thank you for everything. We truly appreciate you! ❤️🙏
David was wonderful! His communication was prompt and efficient. He is highly knowledgeable and resourceful. I felt confident that I was in reliable and trustworthy hands. I would highly recommend him to friends and family.
David and his team worked with me, my realtor,Jarrett Rea, and the third parties involved including blue ridge title services.
David is the utmost professional. He was patient and explained the whole process.
David you were just helpful all the way aroun. You answered any questions we had and things were complicated you tired to help feel comfortable. I will recommend your company to friends and family.
I think it was the over all experience just great I will look forward to working with Novice Home Mortgage in future endeavors
David's communication was prompt, clear and efficient. It was a pleasure to work with him. I felt like I was in capable hands.
As a first time buyer, David was awesome and assured that every question was answered in a timely manner. His professionalism and promptness meant everything for me with this process. He made buying like a walk in the park, after having a bad experience with another company. I would strongly encourage anyone in the area that maybe looking to purchase to contact him. Great team to work with and no delays or lapse in communication. David and his team rocked with a quick closing.
As a first time homebuyer it was especially nice to work with someone who explained things in way that was easy to understand, and approached the answer in a way that doesnt make you hesitate to ask further questions . Overall the process was made far less intimidating than we thought it might be, and we would recommend David Boatright to anyone!
Amazing team was right there when I had any questions the whole team is very nice and lovely I would recommend them all any day
IT was great to work with David and his team. They were a pleasure to work with in this purchase process.
David was always quick to help and respond from the beginning stages to the very end of my home buying process and was even there solving problems after the process. He happily answered all questions and kept me updated the entire process. As a first time homebuyer, I felt at ease with his help.
David was very attentive. Got back to me in a timely manner. And was always very pleasant to talk with and very informative.
David is a great loan officer
If we didn't understand something, we were encouraged to ask. We didn't feel like a bother. Even after the Closing we reached out to Mr. Boatright for clarity on issues. Without hesitation he helped us. Awesome team to work with.
David Boatright answered all my quwstions questions always called back rather he had something new to tell me or not.