Francisco Valdes
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
exelent person is professional
the best loan officer
Buying property can feel overwhelming, but Francisco made the entire process feel manageable. He kept me informed every step of the way, explaining things clearly instead of leaving me guessing. Beyond the paperwork and numbers, he genuinely felt like a mentor and a financial guide — someone who took the time to make sure I understood my options, not just signed on the dotted line. What stood out most was how down-to-earth he is. He has the knowledge and the relationships to get things done, but he never made me feel like just another file on his desk.
Francisco is the guy you want in your corner. Buying property can feel overwhelming, but Francisco made the entire process feel manageable. He kept me informed every step of the way, explaining things clearly instead of leaving me guessing. Beyond the paperwork and numbers, he genuinely felt like a mentor and a financial guide , someone who took the time to make sure I understood my options, not just signed on the dotted line. What stood out most was how down-to-earth he is. He has the knowledge and the relationships to get things done, but he never made me feel like just another file on his desk. If you’re looking for a loan officer who’s knowledgeable, well-connected, and genuinely invested in helping you succeed, Francisco is your guy.
Hermila and I are immensely grateful for the help and assistance we received from you Francisco and the entire team in the buying and acquisition process of our new home in Kissimmee Florida, we know that there are other persons that were also involved in the reviewing and approval process, please extend our gratitude to those not mentioned here. Please be sure that we will continue to meet our commitment and responsibilities in all following requirements including payments and compliance with all agreements made. Should there be any communication need, please feel free to contact us at the phones and emails in your files. We continue to be open for any guidance or advice. Thank you once again,
Thanks to your effort and dedication, my dream of owning my first home came true—thank you so much.
Francisco and his team were amazing! Great communication, very professional, and incredibly knowledgeable. I'm lucky to have worked with him and would highly recommend to anyone.
Francisco and his team made my home buying journey a breeze. I cannot speak highly enough about the amount of time and effort they spent to make sure I had every bit of information I needed to make the best decisions for me and my families financial future. Francisco went above and beyond every time for any task small or large. I will be encouraging anyone looking for an home financial services to start and end with Francisco and his team Mary and Sol. The only lender I will refer and of my friends and family to. Thanks again for your amazing service.
Fransisco and his team were super helpful and hands on – making this process easy! He worked with us to get the best rate. We couldn't of done this without him!
Working with Francisco Valdes was an excellent experience from start to finish. He was always very professional, patient, and clear in explaining every step of the mortgage process. He was consistently available to answer our questions and made sure we felt informed and confident throughout the entire process. Thanks to his dedication, communication, and knowledge, everything went smoothly and stress-free. We truly appreciate his support and would highly recommend him to anyone looking for a trustworthy and committed loan officer
Francisco was straightforward honest and informative. He never talked down to us for not knowing anything about the home loan process and was very patient in teaching us. He even showed up to congratulate us on our signing day which was not needed at all. We truly appreciated every moment we worked with
Francisco was amazing from start to finish! Great communication. I knew I was in good hands from the beginning.
My husband and I were new to the home buying process and we felt like we struck gold when we began working with Francisco! His vast knowledge, patience and frequent check-ins helped curb our anxiety and made the process exciting and low stress. From the moment we saw our how house to the closing date, we felt Francisco had our best interest at heart and cared about our experience. We credit Francisco and our team for getting us our dream home!
Francisco was great to work with from beginning to end. He helped us through multiple offers over the years and ultimately helped us close on our new home. He was able to navigate complex situations with ease as well.
Francisco was absolutely wonderful to work with! He made the first time homebuyer’s process seamless and effortless. He responded in a super timely manner every time I reached out with a question etc. and he answered all of my questions in great detail and made sure I understood every single step of the way. I highly recommend Francisco if you’re in the market to buy a house, especially if you’re a first time home buyer!
Francisco was very friendly, respectful and knowledgeable. He replied to all of my concerns in a timely manner, had great advise to give to me as a first home buyer. I would Absolutely recommend him to any potential buyer I come in contact with Thanks for all the work Julio