Kobi King
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
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
Kobi was wonderful to do business with and helped me walk through the home buying process step by step
Kobi was absolutely fantastic to work with any questions I had she answered and would even go into detail and help me understand what I was getting into. I could not have asked for a better person to work with thank you, Kobi!
Kobi was amazing! She explained everything very well and was very quick and thorough!
Kobi was absolutely incredible to work with! She was extremely thorough and helped us with every step along the way. I can't recommend her enough!
Great experience
Sara went WAY beyond the call of duty to help me get through the process. She worked on weekends and after hours to accommodate me. She helped make a usually stressful experience much less painful and way ahead of schedule!
Sara went over and above her job duties! She not only handled my loan, she was able to find me a great deal on insurance after the agency I have used since the mid nineties dropped the ball and never got me a quote until after I closed. She is professional and courteous was the best to work with especially when you travel for work! Would recommend her to anyone
Sara made the process of purchasing my first home easy. Lines of communication were open. She kept me informed of what was happening next. I did not feel stressed out. I highly recommend Sara to anyone who’s looking for a great lender to work with for their mortgage needs.
Sara and Waterstone Mortgage were great to work with. She made every the entire process incredibly easy and communicated exactly what was happening each step if the way. highly recommend!
We tried buying a house for over a year. We had no luck with other lenders so we decided to give Sara a call. She finally got us approved and in our dream home. The process was crazy but her and Robert kept us updated every step of the way. Forever thankful for Sara!
Hands down the best experience we ever had when dealing with a loan!! If you want a loan that is done correct, easy, and quick, then here is your lady!!! We can’t wait to start our remodel to create our house how we always dreamed of it to be!! Thank you Sara for making our dreams come true!!!
Sara and Robert were wonderful at guiding me through the process. Buying a home is quite confusing at first and they were there to help and answer my questions throughout the whole process. I’m thankful I had them working for me and would highly recommend them for your home buying needs.
Sara Cipriano has been working with us for over 2 years, trying to get us the mortgage that best worked for us. In that time, all of the phone calls, text messages, and emails, she never gave up and I am thankful for her patience and understanding. It was not an easy task we put her up to, but we finally got into a house and mortgage payment that best fit our family situation. We would definitely work with her again and would recommend anyone looking to buy a home or refinance, give Sara a call!
We were having problems with other lenders.Waterstone (Sara & Robert) came through for us.Hard working + Competitive Rates.Would highly recomend!!!
As a first time home buyer I had no idea what I was doing. Sara got me pre-approved and was there through the entire process. She always answered my questions and e-mails and there were many. She was great. I would definitely work with her again and recommend her. She was always there working hard to get everything done. She's very patient and ready to help.
I am beyond pleased with Sara and her team! Quick email responses, evening phone calls, confirmation to my many questions, and all of this with the upmost professionalism! I’d absolutely use Sara again in the future!