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
The best part was the communication was very good
joe is a perfect loan officer to have he helps in any way he can. Im super happy how striaght forward jowe is and gave me real number when I asked. He is the one i will call again for anything with a house loan. He is on top of everyrhing works as fast as he can to make things work . He gone out his way to help me. thank you joe again for everyrhing.
thank you for everything
Joe DeVito is truly amazing!! Top notch loan officer!! He will find a way to make things happen when others won't and I would highly recommend him to everyone that needs any type of home loan. Thank you Joe!!
Delivered every promise.
Joseph was pleasant to work with from the time I called him to the time we closed. He answered all my questions in a timely manner and made sure I understood every step of the loan process. I highly recommend Novus Home Mortgage! Plus their fees are very low compared to other lenders.
Joe is a pleasure to work with as usual . He always has all the answers and is very professional!!
Joe made it so easy, and was straight forward with everything
I have to give Joe the absolute best rating! !! Our experience with him was wonderful. He was always so helpful. He was always caring and helped us through all the hurdles even on his own time. This was our second experience with him and it was consistent with what a great and caring person he is. Thank you Joe for giving us our best life in our new home!!!
Joe is always available to answer everything you want answered and explains how everything works in great detail! Makes the whole process easier and makes you feel comfortable with the whole loan process.
Joe was great! .. fast, efficient, smooth as silk.. Joe made everything effortless.. as self employed business owner sometimes a conventional loan can be difficult but with Joe and his co-workers it was great!many thanks! Dom
Very great with communication and first time home buyer information, gets it done fast and simple as a buyer would want! Would recommend Joe to any one trying to get a mortgage
Joseph is a very outgoing person he makes us happy, he's kind and patient he helped us step by step what to do he knows what he's doing I also recommend my friend to him and she's happy, he's amazing 👏 ❤️
I have purchased 5 homes previously and Joe made this one the easiest ever. Extremely prompt with all the documents, friendly, knowledgeable about different loan programs offered by Novus. Joe is incredible to work with! I plan on building a garage later this year and I am going with Joe for the loan.
Joe DeVito was extreme helpful in seeing me through the loan process. This was all new to me and Joe was there to walk me through all of the steps to closing.
I used Joe to buy a second home in myrtle beach he made everything so easy. Joe walked me through the entire process making everything go smoothly. He is very knowledgeable and would definitely recommend him.