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
Jodi was amazing – when my closing was moved up he handled it seemlessly
This is our second home inwhich we've used Jodi for our home mortage and both times it's been a great experience. Highly recommend!
Great group to work with! Novus is professional and responsive.
Jodi and his team are friendly, knowledgeable and very prompt on responses. Easy to work with! A
Jodi is always great! We have worked with him for years!
I have done several deals with Jodi over the years and always have a great experienc . He's my guy for loans and who I recommend to others . Jodi is an asset to any company he works for and his clients.
experience was simple, straightforward, and really easy. Five stars would definitely recommend.
Effecient and professional.
Jodi is THE BEST. He is my go to for myself personally and all my Real Estate clients looking for an amazing lender. Being in RE, I have access to many great lenders but Jodi is a STAND OUT. Jodi spends the time on the phone to answer EVERY question to ensure I fully understand whats happening. He answers the phone EVERY time I call. I feel like I was given options while choosing the loan program that would work best for me and my investment needs. Jodi was thorough and extremely acommodating when it was time for me to take an action. If I missed an email, he would follow up with a phone call. I will continue to call Jodi first for all lending. He's a good one.
Dan was amazing! He walked me through everything and answered every question in a timely fashion. I never felt like an inconvenience when I would ask the same question over because I still didn't understand something. If we had any issues he had a referral and ask his referrals were wonderful as well!!
We worked with Aubra in purchasing our first home. She was always so responsive, and we never worried that we wouldn't be able to get in touch with her as we were looking at making offers. She made the closing process incredibly smooth, and digital, which we appreciated. Highly recommend!
Austin was attentive, patient, professional and kind. He took the time to explain things to me. While I have strengths in several areas, financing a home is NOT one of those areas. I deeply appreciated the time he took to go over my questions without making me feel inadequate. He invested enough interest into my life where I felt comfortable talking with him but always remained professional. It's not an easy line to walk and he did so flawlessly. I was impressed and grateful for the service I received from Austin Quartullo with Bank of England Mortgage.
Wonderful service!
Following a recommendation from my Realtor , I contacted Austin Quartullo to discuss last minute, essential financing needs. I immediately felt comfortable and relieved with Austin as he competently and patiently explained my options. He is efficient, knowledgeable and has the best “people skills” of any lender that I have interacted with in almost 50 years! Like my Realtor stated, “If anyone can make it work, Austin can! Highly Recommend!
The entire team of Jake, Megan and Billy worked well together to explain the process as a first time home buyer. They always answered my questions 7 days a week and made sure to provide everything that I requested in a timely manor. Overall I would 100% recommend BOE to anybody, and I believe that they played a strong part in my success of closing on my first home
Austin was helpful and straightforward about what I needed, and answered questions I had quickly.