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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.

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

Younger woman in her new home

Home Purchase Loans

Expert guidance through the home buying process
Young family with children in new home

Refinancing Options

Solutions to lower your interest rate or monthly payments
Younger couple starting out in first home

Personalized Consultations

One-on-one meetings to discuss your financial goals
Family outside just sold new home

Loan Program Guidance

Detailed explanations of different loan programs available

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.

Younger couple in new home with plants

Proudly Giving Back

We volunteer, sponsor local events, and support programs that strengthen our community.
Older couple walking into new home

Local Food Drives

We partner with local food banks to fight hunger, sponsoring community drives that help families in need.
Couple enjoying move-in day in new home

Youth Sports Sponsorships

We’re proud to support local youth sports programs, helping kids build teamwork, confidence, and lifelong skills both on and off the field.

Estimate your mortgage

See estimated monthly payments based on your loan details. Compare scenarios to find what best fits your budget.

$

5%

1%

5%

0%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly PMI $0

$

5%

1%

5%

$
$

$1421

Monthly FHA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Up-Front MIP (1.75%)$0

Monthly Mortgage Insurance $0

$

0%

5%

1%

$
$

$1421

Monthly VA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Purchase Price $1421

VA Funding Fee $1421

Amount Financed $1421

$
$
$
$
$
%

You can afford up to

$

Monthly Payment $

Principal & Interest $

Tax $

Insurance $

$
%
months
$
%
months
$

Refinancing could save you

$/month

New monthly payment $

Refinance fees $

Lifetime Savings $

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.

Younger woman in her new home

Get Pre-Approved

A Novus pre-approval gives you a clear idea of what you can afford, helps you understand your loan options, and strengthens your offer when it is time to make a move.
Unboxing and move in day

Explore Your Loan Options

From conventional, FHA, VA, and USDA loans to Non-QM, jumbo financing, and down payment assistance programs, we help you compare options and choose the one that fits your goals.
Younger couple starting out in first home

Find the Right Home

With your pre-approval in hand, you and your real estate agent can focus on homes that match your budget and priorities. Your loan officer stays connected throughout your search to answer questions and offer guidance.
New couple in home during move in day

Apply and Submit Documents

Our technology makes it easy to apply, upload documents, and see what’s next. Your loan officer will walk you through exactly what is needed and help you stay organized to keep your application on track.
First time homebuyer with my new home sign

Processing and Underwriting

Our team reviews your file, verifies your information, and prepares your loan for underwriting. Underwriting is the step where a loan expert reviews your financial details to make sure everything meets the guidelines for your loan. We keep you updated throughout the process and let you know if anything else is needed to keep your loan moving.
Family outside just sold new home

Closing, Getting Your Keys, And Beyond

Once your loan is cleared to close, you’ll sign your final documents and celebrate becoming a homeowner. Your Novus loan officer is here for you long after closing, whether you need answers, updates, or help with future financing.

Real Stories from Real Owners

So thankful For Kayla for making it possible for me to buy our home. She put months of work in to get us our loan. Kayla was always available, always communicating, and always honest in every step of the way. Without her guidance and work i wouldnt be a home owner. I never thought as a single mom of 4 that I could accomplish this hit with Kayla's help we did it! She is now our life long mortgage lender and we would suggest her to anyone looking to buy a home.
Suzanne Marie T.
Holland, MA
January 8, 2026
Kayla is very personable and makes you feel comfortable throuout the process. She was always informative about what was needed and when. You can relax as she guides you through the process right to close. Professional through and through.
Scott H.
Worcester, MA
December 29, 2025
Kayla was fantastic and friendly throughout the entire process
Christian Francis C.
Brooklyn, CT
December 18, 2025
great and easy experience
Evelyne J.
Woodstock, CT
December 17, 2025
Kayla would answer every phone call I made and answered every question I had at all times of the day !
Derek P.
Holland, MA
December 17, 2025
Kayla was awesome to work with, she made everything as smooth as possible and made it happen.
Justin S.
Templeton, MA
December 16, 2025
As a first time homebuyer Kayla made this experiance extremely easy!
Alfred Ernest P.
Oxford, CT
December 16, 2025
The process was quick and fast. Kayla made it so simple for us. Thank you.
Johnny F.
Ansonia, CT
December 16, 2025
She kep us informed wirked very hard to give us the best rate and the importance of paying off my loans to get the great rate and liwer lower mir payment
Kimberly Ann P.
Derby, CT
December 16, 2025
Kayla went above and beyond for us. The previous broker/lender just was not working for us. Our realtor then introduced us to Kayla, who then looked over our all our info. Kayla then presented what she could and would do for us to close on our house as fast as possible to save the deal! I did have some doubts. But I will say with Kayla's dedication and hardwork It went exactly how Kayla said it would. We closed on our house with the timeline she gave us! Kayla is dedicated, hardworking, knowledge, pleasant to work with, and great at what she does! She's much appreciated! She's going to be with us for all future purchases and finances! Thank you Kayla! Luke B
Luke B.
Orange, MA
December 13, 2025
Kayla was absolutely amazing. She was attentive, fast to respond and extremely educated on all wuestions we had.
Ariana D.
Auburn, MA
December 13, 2025
Kayla was so amazing . The process of buying a house was confusing and overwhelming to us at first , but she was so patient and made the process so simple for is us to understand. I can mot thank her enough
Christopher Matthew B.
Cumberland, RI
December 11, 2025
Overall experience was great. Kayla is a miracle worker in getting clients what they want and need.
Lana C.
Millbury, MA
December 11, 2025
Kayla is great, although she works too hard. I'd get messages from her at 6AM to 10PM. Very professional, reliable, courteous and caring! I recommend her anytime someone asks.
Russell D.
Savoy, MA
December 11, 2025
Kayla was very personable , protective, and honest
Elizabeth F.
Sturbridge, MA
December 11, 2025
Kayla was available at every moment, whether my questions were big or small. She never made me feel like I was bothering her; even when I had my meltdown! Kayla was in constant communication with me, always letting me know what was coming next.
Tracy L D.
Southbridge, MA
December 10, 2025