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
Great experience! Easy to work with and everything was explained clearly. Would definitely recommend them t9 anyone looking for a home!
Jeff and his team answered all questions promptly and thoroughly. They were transparent and handled everything so on my end it was smooth. I will recommend Jeff and his team to all my friends looking for a home loan.
Jeff and his team were an absolute dream to work with! I came into this process thinking I knew what I needed. Jeff took the time to listen, and then give me details to several other options I didn't know were available to me. He was very knowledgeable and wanted to make sure I had all the details needed to make an informed decision. Communication was always very prompt and crystal clear. I highly recommend his expertise!
Jeff and his team were an absolute dream to work with! I came into this process thinking I knew what I needed. Jeff took the time to listen, and then discussed several different options I didn’t know were available for me. He made sure I had all the details necessary to make to best informed decision. Communication was always very prompt and crystal clear. I highly recommend his!
Everything went very smoothly, appreciated how much of the process was handled electronically
Jamie and Jeff Were honest and upfront start to finish
No bs or fluff. Honest results.
Everything was smooth, communication entire time.
Jeff took over a pre-approval from a former co-worker. He stepped up to the plate and made it a seamless transition. Not only did he assume our account, he lead us to a realtor to facilitate the buying process of our current home, which was being sold by owner, thereby removing a huge amount of stress for my wife and I, as we were moving into Tennessee from Washington State
When I had questions regarding something that I was confused about I heard from him that day and got my questions answered I was very happy and pleased with his professionalism
He was a recommendation from our mortgage broker from the state that we left from to the state I was moving to and he made everything convenient and easy for documents and we were traveling on the road and there was no issues and he guided us through steps that would make things easier for us he also took responsibility in finding us a realtor that would make our transition easier
professionalism, communication, and attention to detail.
Jeff is amazing the way he explained everything and helped me out to understand about this loan so I can make the right decision. He's a great guy to work with. And I really thanks to his team they're very helpful too. Thank you so much to him and his team.
Jeff and his team worked very hard and helped us close in 2 weeks so we could move straight from our apartment to our house. They were VERY responsive all the time. (Even when I forgot he was in Central time and called him at 7 AM 🫣🙈). I definitely, highly recommend them!
Jeff, thank you for the excellent news about closing and two days ahead of being two days ahead of our deadline! This experience has truly been exceptional. My compliments to your team, and for the refined experience you have crafted. I will recommend you to everyone without hesitation.
Jeff, thank you for the excellent news about closing and two days ahead of being two days ahead of our deadline! This experience has truly been exceptional. My compliments to your team, and for the refined experience you have crafted. I will recommend you to everyone without hesitation.