Patrick Chicklinski
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
If you need a home loan in Tulsa, call Patrick!!
If you are looking for a great home loan in Tulsa call Patrick.
He’s the best! Call him!
Four years ago I had the wonderful experience of working with Patrick closing my first home loan. I am even more excited to say Patrick just helped my husband and I close on our dream home! You will not find someone more accessible or hard working. He consistently goes above and beyond to make sure you are take care of! From the loan pre approval and all the way to closing day. He has been the real MVP of our home buying experience. Read the reviews and go with the best! Having Patrick on your team is gold for making your dreams come true! You will not be disappointed. Thank you Patrick for always being on our team!
I canceled the first two home mortgage companies I called for reasons of not answering my phone calls and having a minimum of 45 day closing and high rates. Then I called Patrick and he was always available, had the lowest rates and could close in 30 days or less if needed. I don’t give very many 5 star reviews out but Patrick definitely deserves one.
Patrick is great to work with he is dedicated to help.
I don’t usually make reviews but this guy deserves a raving review. A little back drop went through a divorce. Wasn’t sure what purchasing power I had for a house. I have two little babies and myself and we needed a home to call our forever home. I called Patrick as for he has handled majority of our loans in the past with my ex & I. Doing one on my own for the first time; to put a little perspective on it was a little nerve wrecking. Patrick told me to just go find what I wanted and gave me a round about dollar amount. It took 3 homes to finally find the one I wanted. I sent him the details and I had the clear to close very quickly after sending him all docs. Patrick made this process so easy and every step of the buying process and answered all my 100’s of questions I asked him over the duration of time until the time of close. I highly recommended Patrick to anyone especially anyone purchasing a home and wants a lender who will answer any question and help you through every step of the process. I am very pleased and happy and very thankful for him helping me!
Patrick was great in assisting me with my home loan options.
Patrick made the home buying process easy and it was so quick
Patrick is great, he assisted me in getting my new house. I highly recommend him to friends and family.
We started working with Patrick in April of 2024. He helped guied me and my S/O on what we needed to do to credit to get approved for a loan. Once we got that score up, he was amazing getting us started and heling us understand the process through the whole thing. I started to wonder if the guy ever slept. 😆 even once we signed last day of the year, he has been around to keep answering our questions. Patrick and his team are amazing people and I look forward to working with them again when we make the move out to the country from our current little starter home. Ps.. we were dealing with a lease to own purchase- and this team did not miss a beat…..definitely would recommend!!!!
I recently had the pleasure of working with Patrick Chicklinski at Tulsa Mortgage Group for the first time, and I couldn't be more impressed. From start to finish, the transaction was incredibly smooth. Patrick was professional, responsive, and made the entire process effortless. His attention to detail and clear communication made everything run seamlessly. I look forward to working with him again in the future and highly recommend him to anyone in need of mortgage services!"
I recently had the pleasure of working with Patrick Chicklinski at Tulsa Mortgage Group for the first time, and I couldn't be more impressed. From start to finish, the transaction was incredibly smooth. Patrick was professional, responsive, and made the entire process effortless. His attention to detail and clear communication made everything run seamlessly. I look forward to working with him again in the future and highly recommend him to anyone in need of mortgage services!"
My wife and I used Patrick Chicklinski with Cardinal Financial. The process was almost too good to be true. Patrick treated us very professionally from the first phone call. His customer service and knowledge made the process very easy. He sent us an email on all documents that were needed and everything was sent to underwriting and we were cleared to close within a few days. Again it was super smooth process. I would highly recommend Patrick to family and friends.
Worked with me and answered all questions. So glad we were connected with Patrick! Definitely recommend. He also helped find the best homeowners insurance for us.
A great to work with.