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headshot of Kim Sherrell, wearing a green shirt

Kim Sherrell

Loan Officer
NMLS #505469
5.0 Rating (12 Reviews on Experience.com)

Gadsden Branch
116 Church Street Ste 1
Rainbow City, AL 35906

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

Kindness and communication
James Alexavier O.
Rainsville, AL
February 17, 2026
Kim was available anytime I needed her and always answered my questions. she made sure to throughly explain things to me and was a great help. Highly recommend!
Alexandra Rhonda C.
Attalla, AL
February 4, 2026
Honesty and just real people
Montrez J.
Gadsden, AL
December 30, 2025
Complete and total breeze from any question I had tk to just helping me out with anything non related to the loan like which house would best suite me. I can not explain enough how fantastic she did highly recommend and will be doing future business with her. Great Godly woman knows exactly what she is doing I will almost say it went Perfect! I thank her and her team for everything!
Erik Lee M.
Gadsden, AL
December 20, 2025
Kim Sherrell is tge absolute best!!!
Nathan W.
Gadsden, AL
December 18, 2025
Having done several deals with Kim professionally as a Realtor, I knew when it came time for my family to buy our dream house Kim was the only choice! She moved heaven and earth to get my family into our new home! My only requirements as a Realtor when picking a lender, are honesty and communication. Nobody works harder than Kim Sherrell for my customers, and now myself, as her client!
Clark Stewart
February 9, 2025
Kim is the best! She’s always willing to go the extra mile. She made everything as easy as possible for me! Would recommend her to anyone!
Savannah Lynn Bowman
October 9, 2024
What can I say!!! We are in our forever home and we are so thankful and blessed to have had this team in our corner! This group worked so hard and were persistent and dedicated to making this happen for our family and we couldn’t be more thrilled! It’s so nice to witness great customer service working all times of the day, answering questions when they arose, keeping us updated throughout the whole process… yes it was lengthy, but it was worth the wait! Thank you so much for making this happen for our family!
Erin Green
December 27, 2023
Kim is amazing and made what seemed impossible, possible. She does not take a cookie cutter approach and looks at all possible lending options. We highly recommend Kim to anyone who is looking to purchase a home. Thank you Kim
Diane Nicholas-Schmidt
October 7, 2022
We can’t recommend Kim enough! She was super easy to work with, and did everything we needed in a very timely manner. Best in the business!
Dreydon Smith
October 7, 2022
Kim is very understanding, she listens to your needs, and one of the nicest people I know!! She will help you find what you are looking for and I highly recommend Mrs Kim Sherrell!!
Jayne Butler
June 23, 2020
Kim is fantastic! I always know our clients are in capable hands with her. She has helped with all types of new home loans and refinances. I appreciate her hard work to get each deal closed on time.
LeAnne Vice
December 9, 2019