Get to Know Mike
50 States
One trusted partnerFor more than 25 years, Mike Buczynski has helped thousands of homebuyers navigate one of life’s biggest financial decisions with confidence. As an experienced mortgage professional, Mike is known for his integrity, personalized approach, clear communication, and commitment to making the home loan and mortgage process faster, simpler, and less stressful.
After earning his Bachelor of Finance from the Robert H. Smith School of Business at the University of Maryland, Mike began his career in mortgage lending with a simple goal: helping people achieve homeownership with honest guidance and financing solutions built around their needs.
Today, The Mike Buczynski Team at Novus Home Mortgage combines more than two decades of mortgage experience with modern technology and a client-first approach to create a smoother, more efficient home financing experience.
Whether you’re a first-time homebuyer, purchasing your next home, refinancing, or exploring mortgage options, Mike takes the time to understand your financial goals, explain your options clearly, and help you make informed decisions with confidence.
For real estate agents, Mike and his team are committed to providing strong communication, thoroughly reviewed buyers, greater financing certainty, and a smoother path from pre-approval to closing. For homebuyers, that means less stress, fewer surprises, and more time to focus on finding the right home.
Mike’s approach combines what has always mattered in mortgage lending: experience, personal service, trusted advice, and mortgage solutions tailored to each client’s goals.
If you’re looking for an experienced mortgage lender who can help with home loans, first-time homebuyer financing, refinancing, or mortgage pre-approval, Mike Buczynski and his team are ready to help you take the next step toward homeownership.
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
We have purchased several homes and Mike B and his Team have assisted us with each. They are organized, efficient, responsive, and FRIENDLY which makes for a positive and worry-free experience for a buyer. As a Realtor, I know how important all of those qualities are in a lender – it can be a make-or-break situation for a buyer if the lender isn't on top of their game. ZERO WORRIES with Mike and Team, ever. This is why he's been my go-to local lender for years, why he is on the top of my list for recommendations to clients, and why we will continue to partner with him on our personal purchases. And in a crazy market with rising interest rates, he still managed to get us an excellent, competitive rate on an investment property. Thank you, Mike and Team!! 10/10, let's do it again!
Working with Mike was great. The whole process was much easier than expected. He always made clear what documentation we needed to provide and how the process was proceeding. Can’t say enough about his communication and responsiveness on a timely basis.
Mike and his team were always very responsive and delivered on the statements made.The application process was easy, documents submittal took place via their very user friendly, online web portal. Everything was performed remotely, which saved time and money.Thank you for an outstanding job, Mike. Please share our appreciation with your entire team.
Mike and his team guided the process with confidence and clarity. They are highly regarded among real estate agents because of their integrity and track record of successful, on-time closings. I recommend them highly.
Mike and his entire team were truly amazing to work with! They made the process so easy and enjoyable! Everyone communicated in a timely manner and with such kindness!!
I was referred to Michael from a co-worker and I'm extremely glad that I took his advice. Extremely fast responses even during the period we were asking for multiple property pre-approval letters per week. Will definitely be sending more business MIke's way.
Helped us lock in a historically low rate and kept our refi on track during a crazy time for mortgage processing. Smooth, organized process and I like their web/mobile app to track signatures and approvals.
I can't say enough good things about our experience with Mike Buczynski! He is a caring, knowledgeable professional in every way. Mike listened to our concerns, worked with us in a personal way, and made the loan application/mortgage process as stress-free as possible.
This is the second time we've worked with Mike B. and his team again for refinancing our mortgage. He was again wonderful to work with and we waited until he thought the most opportune time came up to do this. Great experience and smooth process again.
We worked with Mike to buy a home, and it was a seamless process. He and his office were prompt in responding, worked to answer our questions at any time, and helped us with anything we needed. The communications were organized and made it easy to understand the process and what we needed to submit. We would work with Mike again!
Mike stayed in close contact with us throughout the loan approval process. He always made himself available to fully answer any questions we had. Mike walked us through every step of the loan process and was able to provide us with a rate and closing costs well below what any bank was able to offer.
Mike, Kathleen, and Stephanie were fantastic. I'm a first-time home-buyer and was impressed at their promptness and patience in answering my questions and helping me negotiate the process. Getting in touch with them was very easy; Mike even made himself available for questions after business hours. I was also impressed by their very clear expertise and their professionalism in working with my agent and closing attorney. In short, I'm delighted I chose to work with Mike and his colleagues, and I would highly recommend them and First Heritage Mortgage.
Mike and his Team at First Heritage were top-notch in taking care of business on our recent refinance. To maximize the benefit of our refi, it was critical to move quickly and complete all the needed documents accurately and thoroughly. And for anything that needed follow-up, Mike was fast, attentive and responsive. We got it done with a minimum amount of hassle and Mike was a big reason why.
We worked with Mike B over the course of 6 months to buy our home. While the "big box" mortgage companies allowed themselves to be mired in red tape, Mike found the way to yes at every step along the way. I felt confident he was working for us and had my family's best interest in mind. The team behind him was also helpful and professional. Thanks, Mike!
Mike has been extremely helpful as we purchased our first home in 2017 and refinanced in 2019. Walked us through the process and made it very simple to follow and complete all steps. Thanks Mike!