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
Exceptional customer service and attention to detail. Dustin was very communiactive. Ensured a smooth loan process from start to finish.
Dustin made the whole experience easy and stress free.
Five stars! Dustin was easy to work with, transparent and extremely responsive. As someone who has worked many years in real estate and interfaced with lenders regularly, I would highly recommend his services for your next purchase or refi. No nonsense, just results and quality work. When every detail matters he delivers. Thanks Dustin!
Easy and smooth process. Outstanding process. Job well done. Great experience very helpful and handy ready to give his time willingly. Excited to work with Dustin again.
Dustin made us feel like he genuinely looked out for us as if we were family. He made us feel comfortable and confident throughout the entire process. He was always responsive to every question we had and would even reach out to check on us if we hadn’t spoken in a day or two. His communication, care, and personal attention made the entire experience so much easier and more enjoyable. We truly appreciate everything he did for us!
Dustin is very knowledgeable & personable. We felt like we knew him for years & he genuinely cared about us as well as had our back. We especially appreciated he specializes in VA loans. The process was very smooth & straight forward & we closed in 20 days. We highly recommend Dustin.
Dustin did an amazing job. He was very communicative and hands-on. He explained and simplified the entire loan process from start to finish. His expertise and guidance allowed my husband and me to close our loan in 8 days. I highly recommend Dustin and his team to anyone looking for a home loan. He is a true expert in his field who pays attention to detail, listens to the client, and makes suggestions accordingly. 10 out of 10 highly recommend.
Dustin was extremely helpful and very professional throughout the entire process of the refinance.
This refi was as smooth and fast as any I’ve ever experienced. I highly recommend Dustin Hoffman at Novus for all your lending needs. A+++ is my rating.
Dustin was outstanding he kept us informed of the action that was required. Could not have asked for a better person to work with. He was the best!!!!
Dustin is the best. great personality, easy-going, friendly attitude. Always responsive to answering questions along the way and making sure everything was on track. highly recommended!
Mr . Hoffman made everything very easy and was very helpful
Everything was done as planned. Few issues with my taxes. Still need to get handle.
Dustin didnt beat around the bush, he delivered what he promised and in a timely manner. He stayed connected and walked me through the process. The professionalism displayed is rare nowadays. I would definitely recommend him.
Great experience from beginning to end. I got my refi closed very fast. The app works perfectly to keep you informed as to what they need for the loan.
I had a great experience working with Dustin to refi my mortgage. He was very diligent in communicating with me to complete my different tasks. Closing was great. Very smooth.