Get to Know John
36+ Years
of experience50 States
One trusted partnerJohn Kane has been in the mortgage industry for 36 years, helping individuals and families achieve the dream of homeownership while guiding homeowners through refinancing and other lending solutions. With extensive knowledge of residential mortgage financing, John is committed to providing honest advice, clear communication, and exceptional customer service throughout every step of the loan process.
Known for his integrity, responsiveness, and attention to detail, John works closely with first-time homebuyers, repeat buyers, real estate professionals, and referral partners to ensure every transaction is handled efficiently and professionally. He believes that educating clients and building lasting relationships are the foundation of a successful mortgage experience.
John takes pride in serving his local community and helping clients make informed financial decisions. His goal is to make the mortgage process as smooth and stress-free as possible while delivering personalized solutions tailored to each client’s unique needs.
Born and raised in Upstate New York and now a Florida resident, John continues to serve Clients in all 50 States.
John is an avid sports fan, rooting for his favorite professional teams, but the most satisfaction is cheering on his Grandchildren in baseball, softball, basketball, and football.
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
John was very promoted to answering questions and explaining everything for a first time home buyer. I would recommend John for anyone purchasing a home. id give john more stars than 5 if I could!
We had an absolutely wonderful experience working with John throughout the process of purchasing our new home! From the very beginning through closing day, John was incredibly knowledgeable, responsive, patient, and supportive. Buying a home can be stressful, but John made the entire mortgage process feel smooth and manageable. He was always available to answer our questions, explain every step clearly, and make sure we felt confident and informed throughout the process. John’s professionalism, attention to detail, and dedication truly made a difference, and we are so grateful for all the hard work he put into helping us get to the closing table. We couldn’t have asked for a better experience! We would wholeheartedly recommend him to anyone looking for a knowledgeable, trustworthy, and genuinely caring loan officer. Thank you for helping make our dream of owning this home a reality! 🏡✨
It was great working with John . it was second closing with him this year .
John was very thorough! He doesn't just punch in the numbers, he takes the time to teach and help you get the best rate possible. He is invested and involved with the people he works for and is willing to go out of his way to answer any questions and give the best advice possible. If I could give him a higher score than a 10/10 I absolutely would.
was an amazing experience, first time I bought a home and it went on without a hitch. John was fantastic. He basically held my hands through the whole process and made it painless. I would recommend to anyone anytime.
John and his team did an amazing job from start to finish. John kept us informed every step of the way and I would recommend John, his team and Nortpointe to anyone who needs a mortgage or refinance. Thank you again for a great experience!
The entire process from start to finish was great!! John was spot on with everything! I would recommend John and his team to anyone needing a mortgage!! Thank you again!!!!
John and his team alwats go above and beyond!
it was a good experience . hoping to do business again with John soon
John and northpointe bank made this process easy and stress free!
John says things as they are. Honesty is good.
John is the best. he made sure everything worked out exactly as it needed to and kept me informed of everything as we went thru the process !
John was extremely helpful through this process. he was patient, knowledgeable, professional and caring. i have a very busy and hectic schedule and I could not have accomplished this as smoothly without him!
John and his team worked quickley , efficiently and professionally . A pleasure to work with!
Because John made it great!
John was great from the moment we expressed interest in the house. Very responsive throughout the entire process. I would not have trusted anyone else with this.