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
Jeff and his team were incredible! He always picks up first ring or calls back right away if he was busy. He was very organized and fast. he was also very punctual .
Jeff was there through every step of the way.
I had such a great experience with Jeff. With this being my first time buying he was very thorough to the process and answered every question I had. Very reliable and would 100% recommend him to anyone I know looking to buy a home or property.
I had a great experience with Jeff. He was very thorough through the process especially with this being my first time in the process of buying a home. He was willing to answer all of my questions and take my call at anytime of day that I needed him. I will 100% recommend him to anyone I know looking to buy a house or propert.
Jeff and team made this a very easy and effortless experience. He was patient, kind, and responsive while answering all of my questions.
Fees were a little high but working with Jefrey took the sting out of the process. He got the deal down inspite of the issues that came up. Excellent communication during the process.
Jeff was so helpful and awesome!!!
Jeff gives great personal assistance. in constant contact through the entire process. Higl recommend Jeff.
Jeff is great about coming up with a solution to the issue. His response time when you reach out to him is exceptional
Thank you for working with all the necessary details to secure our refinance. You helped us to navigate some unexpected issues with confidence.
We had a wonderful experience working with Jeff. He was knowledgeable, responsive, and made the entire process easy to navigate. Everything stayed on track, and we felt confident every step of the way. Highly recommend using Jeff to anyone looking for a stress free mortgage experience.
or situation was complicated. Jeff was through and his communication was great.
Jeff was fantastic! You've got a experienced, friendly, attention to detail manager in place. I was recommended by a friend to contact Jeff. Picked up phone when you called, answered all my questions and the process was seamless. Winner.
Jeffrey and his team were fantastic in keeping the process moving and keeping me informed. I really appreciated their attention to detail and customer focus. It was exponentially better than my last refinance experience with another lender. Thanks team!
Jeffrey and his team were fantastic in keeping the process moving and keeping me informed. I really appreciated their attention to detail and customer focus. It was exponentially better than my last refinance experience with Bank of America. Thanks team!
I want to thank Jeff and his whole team for all the help and patience with us. It's our first time taking out a loan and we were very nervous since we are relocating across country and made an offer on a house. So, everything has to work out 'right' for us to arrive and have a house. Their whole team did a great job making sure we are fully prepared to get the approval. Big shout out to them!