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
Jennifer made it very easy and transparent for a first time home buyer!
Jennifer is an incredibly knowledgeable, responsive and transparent advisor. She is also supportive and genuinely excited about your home-buying journey. I would recommend her to anyone needing a mortgage advisor!
Jennifer is extremely knowledgable, transparent, and responsive. She was also personable and has been genuinely excited for our journey in buying our first home.
Jennifer was able to get our loan package done quick so we could close early which helped us out a lot
We threw quite a few curveballs at her through this process and she (and her team) just kept coming up with solutions. At one point I thought we had a fatal issue and she still managed to figure out a way around it. Very impressed.
Jennifer is the Best, keep coming back !
Jennifer is excellent to work with. Timely and clear responses. Always happy to answer questions.
Jennifer did a great job with our loan. Jennifer did everything she could to get us the best rate and lowest payment that she could. Jennifer explained and answered all our questions, and it felt like she was trying to help us, not just get us through the process.
The TEAM.
To whom it may concern, what made our ex great was the person we were working with. The Novus Team members that supported our lender the transparency, the hands on, the honesty and the kindness from the beginning of the start until we closed. We had days of in person communications, phone, text messages and emails. When I say great; the process, the technology ups and downs. The team was confident and willing. Thank you Novus
Being a first time home buyer is a very challenging and overwhelming process, however Jennifer made the process much more comfortable and less stressful. She is transparent, approachable, down to earth, available and answered all of my questions – even the dumb ones! 10/10 would recommend her as a mortgage lender – especially for first time buyers. Furthermore, she was great in assisting me in a physician loan and was very knowledgable in that process.
Jennifer always responded right away to any questions I had. App was easy to use and we always knew what step was next.
Jennifer is awesome, we keep coming back !
Jennifer and her team made the whole process seamless and easy. They were great at communicating and I felt like I was in great hands through the entire process. I never worried about any part of the closing process. Thank you so much!!
Very easy and reassuring experience.
Jennifer was helpful, responsive, and friendly, making the experience of working with her pleasant and uncomplicated.