Get to Know Jonathan
25+ Years
of experience50 States
One trusted partnerI’ve been helping individuals and families achieve their homeownership goals since 2001. With more than two decades of mortgage experience, I understand that every client’s situation is unique, and I take pride in providing clear guidance, honest communication, and dependable follow-through from application to closing. My approach is rooted in making the mortgage process as smooth and stress-free as possible, whether you’re buying your first home, refinancing, or planning your next move.
Outside of work, I’ve been married to my wife, Lorie, since 2009, and we enjoy traveling, trying new foods, and spending time with family and friends. I’m also an avid golfer and enjoy fishing whenever I can find the time. These experiences keep me grounded and remind me how important home and community truly are.
What I enjoy most about my career is helping clients realize the American dream of homeownership. There’s nothing more rewarding than guiding someone through a major life milestone with confidence and clarity. I’m grateful for the trust my clients place in me and strive to build long-term relationships based on integrity, experience, and results.
Professional Achievements
With over 25 years of experience in mortgage lending, I’ve built my career around helping individuals and families achieve their homeownership goals. Throughout my career, I’ve consistently earned recognition for production excellence, including ranking among the top 5% of loan officers companywide for annual mortgage volume and earning Top 10 monthly production recognition at Novus Home Mortgage.
Beyond production, I take pride in delivering exceptional customer experiences, educating homebuyers and real estate professionals, and giving back to the communities I serve. My commitment has always been simple: provide honest guidance, personalized solutions, and a mortgage experience built on trust.
- 2015-2026 Top 5% in Annual Mortgage Production – Earned consistent recognition among the top 5% of loan officers companywide for annual mortgage production throughout my previous professional tenure.
- 2026 Top 5% Experience.com Recognition – Recognized among the top 5% of professionals for customer experience.
- 2022-2026 Habitat for Humanity Board of Directors – Supporting affordable housing and community development throughout southeastern Wisconsin.
Business Hours
| Monday | 8:00 AM CT to 8:00 PM CT |
| Tuesday | 8:00 AM CT to 8:00 PM CT |
| Wednesday | 8:00 AM CT to 8:00 PM CT |
| Thursday | 8:00 AM CT to 8:00 PM CT |
| Friday | 8:00 AM CT to 8:00 PM CT |
| Saturday | 8:00 AM CT to 3:00 PM CT |
| Sunday | 9:00 AM CT to 3:00 PM CT |
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
My experience was five star, efficient, friendly and great communication!
I really had an awesome process experience with Jonathan and his knowledgeable team. After trying to close with a different lender for more than 2 months.(a waste of time and money). Jonathan looked over my information and gave me a 3 week closing time. Working with Jonathan was a very easy process. He kept his word. The closing was done on the time he gave me. He was always on top sending me the paperwork needed. His technology and constant communication made working with them easy. Jonathan Mosca keeps checking on me after my closing making me feel controble asking questions and not feeling like a number but building a strong customer service. Thank you Jonathan
The constant communication and how they are on top of the process. Building trust by doing what they say.
Communicated and explained details. Every question was promptly answered and explained. Closing was super smooth!
Jonathan did a great job of making the mortgage process easy and understandable!
Jonathan did a great job communicating, and was always flexible even outside of typical office hours. It was relieving to know that we could get whatever we needed taken care, whenever we needed it!
Jonathan was very upfront and helpful with the whole proces. He answered all my questions that I had and went above and beyond to make my re-fi as smooth as possible!!! Thanks Jonathan!!!
Went very smooth and quickly! Jonathan worked quickly to help us apply and get a grant right before closing.
Jonathan is always professional and very pleasant and always answers all questions we have.
Jonathan is amazing!! Clear communication, quick responses, and made the process feel easy from start to finish. We couldn’t have asked for a better experience. Highly recommend!
Siepre Siempre estuvieron para nosotros y siempre aclararon nuestras dudas, hicieron posble nuestro sueño muchas gracias
A truly unique, very kind and helpful service. I am very grateful for all your help. Thank you and God bless you.
Johnathan is awesome and the process for my loan was fast and very easy to work with john team
Jonathan was easy to work with and made the buying process transparent and understandable.
It was a pleasure collaborating with him. I never felt pressured and all my inquiries were addressed thoroughly.
Can't say enough how great Jonathan is and how easy he made this experience for me