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headshot of Jeff Gilmore, wearing a dark blue sweater with a light blue shirt

Jeff Gilmore

Regional Manager
NMLS #87272
5.0 Rating (65 Reviews on Experience.com)

Carolina Branch
845 Church St N
Ste 310 & 311
Concord, NC 28025

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.

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

Younger woman in her new home

Home Purchase Loans

Expert guidance through the home buying process
Young family with children in new home

Refinancing Options

Solutions to lower your interest rate or monthly payments
Younger couple starting out in first home

Personalized Consultations

One-on-one meetings to discuss your financial goals
Family outside just sold new home

Loan Program Guidance

Detailed explanations of different loan programs available

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.

Younger couple in new home with plants

Proudly Giving Back

We volunteer, sponsor local events, and support programs that strengthen our community.
Older couple walking into new home

Local Food Drives

We partner with local food banks to fight hunger, sponsoring community drives that help families in need.
Couple enjoying move-in day in new home

Youth Sports Sponsorships

We’re proud to support local youth sports programs, helping kids build teamwork, confidence, and lifelong skills both on and off the field.

Estimate your mortgage

See estimated monthly payments based on your loan details. Compare scenarios to find what best fits your budget.

$

5%

1%

5%

0%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly PMI $0

$

5%

1%

5%

$
$

$1421

Monthly FHA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Up-Front MIP (1.75%)$0

Monthly Mortgage Insurance $0

$

0%

5%

1%

$
$

$1421

Monthly VA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Purchase Price $1421

VA Funding Fee $1421

Amount Financed $1421

$
$
$
$
$
%

You can afford up to

$

Monthly Payment $

Principal & Interest $

Tax $

Insurance $

$
%
months
$
%
months
$

Refinancing could save you

$/month

New monthly payment $

Refinance fees $

Lifetime Savings $

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.

Younger woman in her new home

Get Pre-Approved

A Novus pre-approval gives you a clear idea of what you can afford, helps you understand your loan options, and strengthens your offer when it is time to make a move.
Unboxing and move in day

Explore Your Loan Options

From conventional, FHA, VA, and USDA loans to Non-QM, jumbo financing, and down payment assistance programs, we help you compare options and choose the one that fits your goals.
Younger couple starting out in first home

Find the Right Home

With your pre-approval in hand, you and your real estate agent can focus on homes that match your budget and priorities. Your loan officer stays connected throughout your search to answer questions and offer guidance.
New couple in home during move in day

Apply and Submit Documents

Our technology makes it easy to apply, upload documents, and see what’s next. Your loan officer will walk you through exactly what is needed and help you stay organized to keep your application on track.
First time homebuyer with my new home sign

Processing and Underwriting

Our team reviews your file, verifies your information, and prepares your loan for underwriting. Underwriting is the step where a loan expert reviews your financial details to make sure everything meets the guidelines for your loan. We keep you updated throughout the process and let you know if anything else is needed to keep your loan moving.
Family outside just sold new home

Closing, Getting Your Keys, And Beyond

Once your loan is cleared to close, you’ll sign your final documents and celebrate becoming a homeowner. Your Novus loan officer is here for you long after closing, whether you need answers, updates, or help with future financing.

Real Stories from Real Owners

Jeff and the team were very pleasant and friendly. They answered all our questions clearly and with patience.
Theresa Ann G.
Fort Mill, SC
December 13, 2025
Great service, made the mortgage process simple and quick! We closed in two weeks in our home. Thank you!
Nicole Wells .
August 8, 2024
My wife and I worked extensively with Hunter Gilmore and his team (Sam and Eric) to secure a mortgage on our new home and are very pleased with the timeliness, service and knowledge that this group has offered during the process. All of the numbers were transparent from the beginning with a nice spreadsheet and they have a solid understanding of where the market is. Moving is stressful, but our loan process was a breeze with these folks and would encourage others to use them without hesitation.
Jarad Adams .
July 5, 2024
Sam and Erik were amazing. Absolutely wonderful. They were always 1 step ahead. We appreciate everything!
Adrien Blackwelder .
January 24, 2024
It was lovely working with the whole Fairway team! Can't recommend them enough!
Alexia Dutriz .
January 23, 2024
The Gilmore team was absolutely fantastic to work with. Wouldn't dream of using anyone else if ever needed. From prequalify to closing, everything was simple and easy to follow and was able to sign all required documents and upload documents all online needed prior to closing.
Millie Woody
Lincolnton, NC
January 5, 2024
We had an amazing experience with Jeff and the Fairway team. Jeff guided us every step of the way throughout the home buying process and he and his team went above and beyond to provide support and answer our questions. They were extremely communicative and organized, which made the process seamless. Jeff had great resources and materials available to help us understand all the information, which was invaluable as first time home buyers. We are so grateful to have had such a reliable, helpful, and friendly team on our side!
Kendall Bender .
January 2, 2024
Excellent team that provided all the information in a way my fiance and I could understand. Being first time home buyers can be daunting, but Fairview made it a breeze. Thank you guys for your wonderful work! Keep doing what you do!! x
Elora .
September 27, 2023
I have used Jeff and his team twice and each time their responsiveness and professionalism have been top notch. They use technology to make the lending process easy and convenient and always provide the best advice based on the market conditions and my personal circumstances. I was referred to Jeff by a lender when I moved across country a few years ago and couldn’t be happier with the experience.
Ryan
Greensboro, NC
June 27, 2023
We’ve worked with Jeff’s team three times in the last several years for mortgages and there’s no one else we will ever use again! Incredible customer service, and high integrity and character across the board. Couldn’t recommend them enough!
Gray Gardner
Fort Mill, SC
June 1, 2022
We had a great experience with Jeff and the Fairway team. Great communication and overall great experience.
Christine Page .
May 28, 2022
Jeff and his team at Fairway were amazing and paid attention to great detail when dealing with my wife and I during our relocation from the northeast here to Charlotte. They made sure that not only their team, but my wife and myself were right into top of everything when completing our mortgage to get our new dream home! Thanks Everyone!!#Fairway #gilmoreteam
Srfigueroa78
Charlotte, NC
May 28, 2022
This was my first experience with Jeff and team and we were beyond thrilled with the options and guidance that the Gilmore team provided. Highly recommend them.
James P.
Raleigh, NC
May 28, 2022
Jeffrey Gillmore, along with his knowledgeable and friendly team at Fairway Independent Mortgage, helped us get into our home during a stressful and crazy market quickly and with ease.
Alison Figueroa
Charlotte, NC
May 28, 2022
As first time home buyers they made the process simple and straight forward. Highly recommend, they are full of knowledge and always there to answer questions.
Kelly R.
Huntersville, NC
May 26, 2022
I have used the Gilmore team 3 times and have been impressed with the options they propose and support they provide before, during and after closing.
Jamie Page
Raleigh, NC
May 26, 2022