Joe Onofre
Get to Know Joe
20+ Years
of experience50 States
One trusted partnerJoe Onofre specializes in helping self-employed borrowers, investors, and business owners secure financing solutions that traditional lenders often overlook.
Whether you’re purchasing your next investment property or structuring income creatively, Joe helps simplify complex scenarios and move deals forward.
Self-Employed?
Complex Income?
Let’s Explore Your Options.
Most lenders fit you into guidelines.
Joe structures loans around your situation.
Credit Union & Community Bank Partners
Need a trusted mortgage partner?
Joe works with financial institutions across the country to help serve more members through flexible mortgage solutions and dedicated support.
Whether you’re looking to supplement your current mortgage program or expand your lending capabilities, we’re here to help.
WE SPECIALIZE IN:
BUY WITHOUT TAX RETURNS
QUALIFY USING BANK DEPOSITS
INVESTMENT PROPERTY FINANCING
JUMBO & HIGH-DOLLAR LOAN STRUCTURES
COMPLEX SELF-EMPLOYED INCOME
MORTGAGE STRATEGIES TRADITIONAL LENDERS MAY MISS
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.
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
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.
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
Real Stories from Real Owners
Joe is AMAZING! Always available. Always willing to explain what we didn't understand. Class act. Would recommend to all my friends and family.
Great to work with Joe, he and his team came highly recommended – and rightfully so.
Joe was immensely helpful in our mortgage process, navigating through what could have been difficult paperwork, answering questions and messages promptly and thoroughly and trusting other members of the staff (especially Michelle Kahn) to assist us through the steps of application, approval, and closing. Everything was done so smoothly and quickly that I can't believe we are already in our new home!
NA not a this time
Continuous update throughout the process and stages of application. No surprise with expenses.
The professionalism and knowledge from the whole team made the process easy.
Thanks for all your help
Great communication
Mr Onofre, Michelle and extended staff were very helpful in our loan process, answered inquiries and kept us informed about documents required for process. Thank you for all your help!
The service was great and hustle free. Thank you
It was an amazing experience from start to finish working with Joe, Michelle, and Kelly. They were very quick to respond whenever any questions came up throughout the process. They explained everything very clearly and ensured we understood everything. I couldn't have asked to work with a better team for our loan. I myself worked in the industry previously and was amazed how great of a job they did. I would highly recommend anyone to do business with Joe and the team! Thank you very much for making the process so smooth and simple for us!
Easy to contact
Solutions for tired searches. This is my experience with Novus, they resolve my issues and concerns with the loan process.
As first time home buyers this process seems overwhelming and confusing. Joe and his team were right there every step of the way giving us the confidence and security that we needed to complete this process seemlessly! Thank you so much to Joe and his team for helping me and my family get our very first home!
Professional service
This is the second time we have used Joe and there is a reason for that! 5 stars!
