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
Marco makes all very easy
The process was quick and efficient. I had a trip pre-scheduled, and Marco and all the staff involved took care of everything in a timely. Made the process easy, by relieving some of the stress. Talked to me throughout the steps they were taking and the fees that were to be expected. I appreciate them much! And highly recommend them.
Marco was great to work with! He was prompt with answers to questions and very clear about the process. He was great to work with!
We had such a great experience with Novus. From start to finish, Marco and his team were fantastic. Called me every step of the way, even if it was outside of business hours, to make sure we knew where we standing. He also made a pivotal call during our offer phase that I have no doubt sealed the deal. We will be using this team in the future whether it is to refinance or buy again. Cannot recommend them enough!
I’ve known Marco for several years now, and I’ve had the pleasure of working with him on three different home purchases. He was my loan officer when I purchased my first home, then helped me with my second purchase, and most recently helped me purchase my brother and mom’s second home. Marco is extremely transparent, knowledgeable, and always available to answer any questions throughout the entire process. He makes what can be a stressful experience feel much easier and gives you confidence that you’re in good hands. A huge plus is that he is bilingual in English and Spanish, which makes the process even more convenient for families who prefer to communicate in Spanish. I highly recommend Marco to anyone looking for a trustworthy, responsive, and knowledgeable loan officer. He has definitely earned my trust, and I will continue to work with him for future purchases!
Marco has always gone above and beyond to make sure my express
Marco guides us each step of the way explaining anything we didn't understand and was always calm and professional.
Look no further! You have found the lender you need to make your transaction smooth and effortless! We had the most wonderful experience working with Marco Soriano and his team at Novus Home Mortgage. Marco spent so much time patiently answering our many questions. He is extremely knowledgeable and helped us navigate what loan options worked for us. Aside from the loan aspect, we were out-of-state buyers and he referred us to the most amazing realtor who worked diligently to help us secure a home in a fast-paced and aggressive market! In addition to his professionalism, Marco was extremely personable and is a genuinely thoughtful and caring person who really wants the best for his clients. White-glove service all the way! Highly, highly recommend using Marco for your mortgage needs! You will not be disappointed!
Thank you to the team Marco, Ashley, and of course Martha. The process went great. I understood everything, and I appreciated the communication. The customer service was excellent. I’m glad I was able to talk to real people and not a machine.
Marco and the team made this refinance process easy to navigaate.
Marco was amazing! Always available to answer our questions and very accommodating when we changed our requests. he showed up at the closing to make sure all was well and brought us a gift! Thoughtful and professional!
Marco showed from the start of the process that he could help us with our needs regarding the purchase of our new home. He followed through and now my wife and I are living happily in our dream home Thank you Marco
Marco was on top of everything and took time to explain the answerd to all of our questions.
Marco did an amazing job informing me on everything that would have been a question far before the issue ever came up
Thank you for your services me and my wife are so happy that you help us out Thank you 😊 🙏
Amazing team! Marco and all of his team are amazing to work with! I appreciate the top notch support from everyone.