Matthew Potter
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
Working with Matt and his team made the process so much less stressful. Home buying is complicated and Matt explained everything I needed to know in clear and simple terms. I recommend him highly.
We have used Mathew before for our home loans. He does a great job.
Matt Potter and his team did an amazing job with great communication. They created a very smooth buying process for my wife and I and I will highly reccomend this organization to friends and family!!
Matt and his team were fantastic to work with on our recent home purchase. Communication was fantastic and I will absolutely be refering Matt to friends and be calling back for our next home purchase. Thank you guys for all your hard work!!
Matt and his team helped us get an investment loan . It was an easy process , friendly, easy to work with and very responsive.
Matt is great to work with. Great communication, clear instructions, timely.
Matt potter has been fundamental in financing multiple facets of my mortgages and my divorce. He has been nothing but an asset to me… highly recommended
I had an excellent experience working with Matt and Jared, and I can't recommend them highly enough. Our home buying journey had a few unexpected turns — we originally applied for a USDA loan, but when that avenue closed, Matt and Jared quickly reassessed our situation and guided us seamlessly into an FHA loan. Their expertise meant we never felt lost or discouraged during the transition. They clearly explained each step, set realistic expectations, and made sure we felt confident throughout the entire process. Beyond their professionalism and deep knowledge of loan products, what really stood out was their communication. They were always responsive, thorough, and proactive. Whether you're a first-time buyer or navigating a complicated situation, these are the lenders you want by your side. Five stars, without hesitation.
I had an excellent experience working with Matt and Jared, and I can't recommend them highly enough. Our home buying journey had a few unexpected turns — we originally applied for a USDA loan, but when that avenue closed, Matt and Jared quickly reassessed our situation and guided us seamlessly into an FHA loan. Their expertise meant we never felt lost or discouraged during the transition. They clearly explained each step, set realistic expectations, and made sure we felt confident throughout the entire process. Beyond their professionalism and deep knowledge of loan products, what really stood out was their communication. They were always responsive, thorough, and proactive. Whether you're a first-time buyer or navigating a complicated situation, these are the lenders you want by your side. Five stars, without hesitation.
Matt was super responsive in all communications, pleasant to deal with, and worked diligently to achieve loans that met our needs.
I’ve known Matt for years and he’s one of those loan officers who really knows his stuff and stays calm no matter what comes up in a transaction. Matt takes the time to explain things clearly, answers questions thoroughly, and makes sure his clients feel confident throughout the process. He’s responsive, steady, and always looking for solutions. Glad we get to collaborate together!
Matt Potter was a friend through the process. Felt like I was working with someone who I know. He treated me not as a client but a colleague.
Gave us all our options and with his experience we made the best de for our family.
Matt and his team had us ready to go for our beach house and ready to get the transaction done quickly and easily.
Had to do a refinance do to how bad the rates were last year when we moved to a new state. Matt and his team was super helpful and saved us over 2% compared to my previous loan. Would work with them again!
What a great team to work with! Thank you for all your help!