Marlon Mitchell II
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
His professionalism as well as his communication and keeping up to date and explaining the process.
Marlon was very helpful and understanding he gave clear answers and helped were help was needed it was a long process and Marlon stuck it out his communication was top tier and he even went above his roll as a lender and became my advocate. Very thankful for Marlon through this process
Today my kids and I officially became homeowners, and I’m beyond grateful for Marlon and his team. This was more than buying a house—it was creating a place my children and I can finally call home. Marlon and his team were supportive, communicative, and worked tirelessly to make this dream possible. I truly believe we wouldn’t be here without them. Thank you for changing our lives and helping make this dream a reality. I highly recommend Marlon and his team to anyone looking to buy a home. ❤️🏡
He’s such an awesome man sent from a blessing! helped me so much with buying my FIRST home!!🏠 ☺️ Thank you so much Marlon
I strongly recommend Marlon, from the very first message inquiring about a specific question he walked us through every program option, every scenario for our situation, and worked around the clock to answer all of my questions. I was very nervous taking this step and when he found out he took the time to have a long conversation to allow me to enjoy the process that ended up being the smoothest process and even allowing us to get money back at closing. We truly cannot thank Marlon enough for all of his hard work but I will send any and everyone I know his way because he makes sure to take care of you!!
I highly recommend working with Marlon. He was very tentative and prompt to answering any questions I had. Amazing customer service. He made sure i was informed to make a sound decision, educating me very step of the way during my home buying process. I’ve heard so many horror stories about purchasing a home as a single mom, and all were laid to rest when I linked up with Marlon on this milestone. I’ll do it all over again with no hesitation because He made this process so easygoing. Thank you so much for sharing your expertise and working with me towards my approval and finally purchasing my first home! I couldn’t have asked for God for a better person to work with. Thank you for being the difference our community needs. Greatly appreciate you sir! I’m sending all business your way!
⭐⭐⭐⭐⭐ Highly Recommend! If you’re looking for a mortgage lender who truly cares about his clients, look no further! Marlon goes above and beyond to make the home-buying process as smooth and stress-free as possible. From start to finish, he is professional, knowledgeable, and always available to answer any questions—no matter how big or small. He takes the time to explain every step, find the best rates, and works tirelessly to ensure everything is handled on time. His dedication and personal touch makes all the difference. If you need a lender who will treat you like family and go the extra mile, I highly recommend Marlon!