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
Johnathan was very accommodating and easy to work with especially with my work schedule
Very easy, they explained everything
Jonathon at Novus, along with everyone else we worked with through him, were simply amazing. I would recommend Novus Home Mortgage to anyone interested in financing a home. We got the house we wanted, working with the team was a dream. Jonathon was very quick to respond to calls and texts, We closed on the original closing date, even with a few hiccups along the way. Novus Home Mortgage is the place to go.
John made the process as easy as possible
Working with Jonathan was a great experience because he answered every question we had no matter the time of day. He was transparent and knowledgeable. My wife and I are glasd we teamed up with Novus. Holly Goist played an important role in this process too!
Jon was responsive to texts & phone calls whenever we had questions regarding anything related to home buying
Firstly,there was bilateral trust between us and 'Novus Home Mortgage'. The process was really smooth, consistent and reliable. IT WAS LIKE A DREAM FOR US. Yesterday was even asking my wife if we can meet John,he has been so professional, patience and nice with us. Another person we would like to give flowers to is 'Chinetha'(house agent). She has been wonderful to us,and from the bottom of our hearts we do appreciate her very much. Warm regards.
always had an answer to every question, even not so smart ones
Working with Jon was a pleasure. He is knowledgeable, professional, and friendly. Great experience!
Everything went smooth!
Jon was very responsive and available whenever I needed.
Jon was very responsive and available whenever I needed
Jonathan made what could have been a stressful process feel straightforward from start to finish. He was always quick to respond, explained everything clearly, and kept me informed every step of the way. As a first-time homebuyer, I had a lot of questions, and he was patient, knowledgeable, and always willing to help. I always felt like he had my best interests in mind. I really appreciate all the work he put in to get us to the closing table, and I’d gladly recommend him to anyone looking for a mortgage.
Jonathan & Novus made what could have been a stressful process feel straightforward from start to finish. He was always quick to respond, explained everything clearly, and kept me informed every step of the way. As a first-time homebuyer, I had a lot of questions, and he was patient, knowledgeable, and always willing to help. I always felt like he had my best interests in mind. I really appreciate all the work he put in to get us to the closing table, and I’d gladly recommend him to anyone looking for a mortgage.
Jonathan was wonderful to work with!
Well after all the issues of my seller passing Jonathan helped us work through the process and helped us with extension to loan process. I'm glad to have Jonathan he's been awesome with the hole process