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
Johnny was very responsive and quick to answer all of our questions. I highly recommend him.
Very responsive
Buying a house is stressful, and the mortgage portion is no exception. But from the very moment we spoke to Johnny, he put us at ease. Answered all of our questions and helped connect the dots every step of the way. 10 / 10
Buying a house is stressful, and the mortgage portion is no exception. But from the very moment we spoke to Johnny, he put us at ease, answered all of our questions and helped connect the dots every step of the way. 10 / 10
Fantastic experience! He was incredibly knowledgeable, efficient, and a pleasure to work with. We can’t thank him enough for guiding us through the entire process and patiently answering all of our questions. We truly appreciated his expertise and support every step of the way. We highly recommend him!
This was our first hone home purchase and I thought we had it all down and knew what we needed to know already . Oh boy was I wrong! Johnny and his team helped us tremendously and kept us in the know of what was happending and what would be happening next. I cannot imagine going through this process with any other team. They were fantastic!
Johnny was a pleasure to work with. Him and his team would always keep me posted and answer any questions I had. Another great thing they did was keep me calm as it was my first home and sometimes you get nervous. They did a great job with everything. Thank you!
They helped us through the process and made it a lot easier.
The personal service was great
Everything was fast and smooth from start to finish. Johnny responded to our questions immediately and was always professional. He clearly knows his job and guided us through the whole process with confidence. He is an honest man, and we truly felt we could trust him. If I buy a house again for myself or for my kids in the future, I would definitely go with Johnny again. Highly recommend.
Everything was fast and smooth from start to finish. Johnny responded to our questions immediately and was always professional. He clearly knows his job and guided us through the whole process with confidence. He is an honest man, and we truly felt we could trust him. If I buy a house again for myself or for my kids in the future, I would definitely go with Johnny again. Highly recommend.
It was truly a great experience from start to finish. Johnny Gonzalez helped me through the entire loan process and made everything simple, clear, and stress-free. He took the time to explain each step, answered all my questions promptly, and kept me informed throughout. What really stood out was his professionalism and dedication. He worked hard to find the best loan option for my situation and made me feel confident in my decision. I would absolutely recommend this company — and especially Mr. Gonzalez — to anyone looking for help with a loan. The service was smooth, supportive, and genuinely outstanding.
Thank you Johnny for all your help !
The experience, professional service, outstanding support. Thank you very much; I truly appreciate the professional service you provided.
Johnny Gonzalez is a true professional. As an attorney I appreciate dealing with a hard working, honest and knowledgeable loan officer. Johnny is one of the best I have ever encountered.
Johnny's professionalism made the entire process seamless!