Get to Know Keith
30+ Years
of experience50 States
One trusted partnerWith more than 30 years of experience in the mortgage industry, I’ve learned that finding the right mortgage often starts with asking the right questions and understanding the complete financial picture—not simply choosing a loan program or comparing rates.
I serve as Operations Manager and a mortgage loan officer with Novus Home Mortgage’s Long Island Branch in Setauket, New York, helping homebuyers and homeowners throughout Long Island and across the country. I work with clients on everything from straightforward home purchases and refinances to situations that require a little more analysis and creativity.
One area where my background is particularly helpful is working with self-employed borrowers. I have an MBA in Accounting, and I’m comfortable digging into tax returns, business income and financial statements to understand income that may not be obvious at first glance. My goal is always to look for the best conventional financing solution first, while also having access to alternative documentation and Non-QM programs when a different approach is appropriate.
I also have extensive experience with family-related real estate transactions, including purchases between family members, gifts of equity and inherited properties, as well as divorce or other circumstances where one person needs to buy out another’s interest in a home. These transactions often involve more than simply qualifying for a mortgage, and I enjoy helping clients understand how the pieces can fit together.
Whether the situation is simple or complex, my approach is the same: understand what the client is trying to accomplish, explain the options clearly, and develop a mortgage strategy that makes sense for their overall financial picture. Sometimes the answer is yes. Sometimes it’s not yet. And sometimes there’s simply a different path to get there.
I’m based in Setauket and serve clients throughout the Three Village community, including Stony Brook, as well as Port Jefferson, Smithtown and communities across Long Island. I also help clients with financing throughout the country.
Real Stories from Real Owners
Keith is the best! Never did my fiancé and I think that our mortgage lender would be someone we'd want to go grab a beer with afterward, but Keith is that guy! He made the entire process so easy to understand and is incredibly personable. He always made us feel very comfortable in what can be a worrisome and uncomfortable process. 10/10 would recommend to anyone !
Keith provided sound advice and excellent service during a complex family sale transaction. He was highly responsive and informative throughout the process. I would recommend Keith for everyone’s home loan needs.
Keith was excellent to work with throughout my home purchase. He always answered when I called and took the time to explain everything clearly and in detail, which made the entire process much less stressful. Even after closing, he has continued to be helpful by answering general questions and offering advice as a new homeowner. He also did a great job coordinating the home insurance process and making sure I had everything I needed for closing day. I really appreciate his professionalism, responsiveness, and support, and I’m excited to work with Keith again for future property purchases.
Keith was absolutely amazing. he was informative, well educated, and simplified a process that can seem very daunting to home buyers . There's no one else I would ever recommend using other than Keith
Amazing experience. Keith hands down was the best advisor and broker we ever dealt with. His timely responses even into the night time made our buying process so smooth. He was very organized and had the appropriate steps that we needed to take all laid out. I could not recommend Keith enough to anyone purchasing a home. He was honest, transparent, and trustworthy. Keith offered to reach out to us once a year and have a mortgage review. Additionally, he told us to never hesitate to reach out if we have questions down the line . Thank you so much Keith!!
We couldn’t have been happier with our experience working with Keith Radonis at Novus Home Mortgage! Keith was incredibly attentive, always responding to our questions within minutes and promptly providing everything we needed to keep the process moving. Thanks to his efficiency and communication, we were ready to close much faster than we expected. The entire process of working with Keith and Novus was seamless and stress-free, which is rare when it comes to buying a home. We always felt supported, informed, and in good hands. We’re so grateful for Keith’s help and would highly recommend him to anyone looking for a smooth mortgage experience!
Keith was knowledgeable, kind and patient throughout the entire process. He answered all my questions and offered advice when needed. I would recommend his services to anyone 100%
Keith has made the entire mortgage process very easy as a first time home buyer. I highly recommend him. He made this process as easy as possible, and stress free
Smooth and seamless experience. Keith was always available either through text or email to answer any questions I had. I felt like he had my best interest in mind the entire time. The app made uploading and signing all of the documents really easy and fast
Keith was great and very easy to work with. He made the process very smooth
Keith was such a joy to work with! Always made sure that we understood what he was talking without every sounding condescending. We couldn't have gotten this house without him ! Literally because he's our loan officer, but more so because he gave us all the tools to really understand what we were getting into, and gave us the confidence to believe that we could make this dream a reality. We couldn't have asked for better !
Keith provided sound advice and excellent service during a complex family sale transaction. He was highly responsive and informative throughout the process. I would recommend Keith for everyone's home loan needs.
Keith was excellent to work with throughout my home purchase. He always answered when I called and took the time to explain everything clearly and in detail, which made the entire process much less stressful. Even after closing, he has continued to be helpful by answering general questions and offering advice as a new homeowner. He also did a great job coordinating the home insurance process and making sure I had everything I needed for closing day. I really appreciate his professionalism, responsiveness, and support, and I’m excited to work with Keith again for future property purchases.
Keith is a life saver . 100% recommend to anyone
Keith made the entire process smooth and easy. He was always responsive, answered all of my questions, and kept me updated every step of the way. I had a great experience and would definitely recommend working with him.
Keith was exceptional to work with He made the mortgage process easy and explained the process wonderfully I am thankful and appeciated working with Keith
Our Services
Home Purchase Loans
Mortgage Refinancing
Self-Employed & Complex Financing
Family Sales & Property Buyouts
Estimate your mortgage
See estimated monthly payments based on your loan details. Compare scenarios to find what best fits your budget.
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.
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
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.