Get to Know Pam
30+ Years
of experience50 States
One trusted partnerWith nearly three decades of experience in the mortgage industry, I focus on helping my clients navigate the home financing process with clarity and confidence. I have a background that includes Title Insurance and Escrow, as well as Closing and Mortgage Underwriting. I’m committed to providing a high level of service and attention to detail, working closely with each client to understand their goals and find the right solution for their unique situation.
Whether you’re a first-time buyer or an experienced homeowner, my goal is to make the process smooth, transparent, and stress-free from start to finish. With the support and resources of Novus Home Mortgage, I’m here to deliver a seamless experience and help you move forward with confidence.
When I’m not helping clients finance homes, I enjoy being a mom, hanging out with friends, working out, dancing in parades, bartending, and attending live music shows!
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
Appreciate the promptness of helping me and starting the loan process on a Sunday evening! Pam was great anytime I had questions it easy to text!
Pam was fabulous!!! Had a quick turn around when the first house went bad. She had everything "flipped" for the house I closed on in the blink of an eye. She kept me appraised of everything that was going on and answered ALLLLLLL of my questions and eased my concerns.
Pam was amazing and really helped calm my nerves and explain the process. This was my first time buying a house by myself and I was very intimidated to begin. She made it very easy!
Pam was absolutely a pleasure to work with from the very beginning. She made the process very clear and smooth. She was supportive, quick, thorough, and when I met her in person at closing she was every bit as fantastic. I absolutely will recommend! Thank you!
Pam was amazing and helped us out through every step of the process and made it wonderful!
hyper-relevant, organized, and action-oriented.
Pam is a Rockstar. She made the entire process as pain free as possible by clearly communicating exactactly what was needed. She helped us with W2 and 1099 income that was all over the place. She also made herself available to explain what each document meant in layman's terms. 1000/10, would definitely recommend.
Fantastic clarity and promptnes with all facets regarding our mortgage process. Pam was always presentable, organized, and ready anytime we had questions or were discussing our loan. Absolutely will be recommended to others.