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Patrick Edmondson

Loan Officer
NMLS #220567
5.0 Rating (73 Reviews on Experience.com)

Carolina Branch
845 Church St N
Ste 310 & 311
Concord, NC 28025

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.

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

Younger woman in her new home

Home Purchase Loans

Expert guidance through the home buying process
Young family with children in new home

Refinancing Options

Solutions to lower your interest rate or monthly payments
Younger couple starting out in first home

Personalized Consultations

One-on-one meetings to discuss your financial goals
Family outside just sold new home

Loan Program Guidance

Detailed explanations of different loan programs available

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.

Younger couple in new home with plants

Proudly Giving Back

We volunteer, sponsor local events, and support programs that strengthen our community.
Older couple walking into new home

Local Food Drives

We partner with local food banks to fight hunger, sponsoring community drives that help families in need.
Couple enjoying move-in day in new home

Youth Sports Sponsorships

We’re proud to support local youth sports programs, helping kids build teamwork, confidence, and lifelong skills both on and off the field.

Estimate your mortgage

See estimated monthly payments based on your loan details. Compare scenarios to find what best fits your budget.

$

5%

1%

5%

0%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly PMI $0

$

5%

1%

5%

$
$

$1421

Monthly FHA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Up-Front MIP (1.75%)$0

Monthly Mortgage Insurance $0

$

0%

5%

1%

$
$

$1421

Monthly VA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Purchase Price $1421

VA Funding Fee $1421

Amount Financed $1421

$
$
$
$
$
%

You can afford up to

$

Monthly Payment $

Principal & Interest $

Tax $

Insurance $

$
%
months
$
%
months
$

Refinancing could save you

$/month

New monthly payment $

Refinance fees $

Lifetime Savings $

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.

Younger woman in her new home

Get Pre-Approved

A Novus pre-approval gives you a clear idea of what you can afford, helps you understand your loan options, and strengthens your offer when it is time to make a move.
Unboxing and move in day

Explore Your Loan Options

From conventional, FHA, VA, and USDA loans to Non-QM, jumbo financing, and down payment assistance programs, we help you compare options and choose the one that fits your goals.
Younger couple starting out in first home

Find the Right Home

With your pre-approval in hand, you and your real estate agent can focus on homes that match your budget and priorities. Your loan officer stays connected throughout your search to answer questions and offer guidance.
New couple in home during move in day

Apply and Submit Documents

Our technology makes it easy to apply, upload documents, and see what’s next. Your loan officer will walk you through exactly what is needed and help you stay organized to keep your application on track.
First time homebuyer with my new home sign

Processing and Underwriting

Our team reviews your file, verifies your information, and prepares your loan for underwriting. Underwriting is the step where a loan expert reviews your financial details to make sure everything meets the guidelines for your loan. We keep you updated throughout the process and let you know if anything else is needed to keep your loan moving.
Family outside just sold new home

Closing, Getting Your Keys, And Beyond

Once your loan is cleared to close, you’ll sign your final documents and celebrate becoming a homeowner. Your Novus loan officer is here for you long after closing, whether you need answers, updates, or help with future financing.

Real Stories from Real Owners

Patrick was great to work with.
Benjamin P M.
Fredericksburg, VA
December 19, 2025
Patrick Edmondson was an amazing loan officer. As first time buyers, he repeatedly set us up for success and a calm buying experience. Absolutely would work with him again!
Julia B.
Washington, DC
December 16, 2025
Patrick was knowledgeable and wonderful to work with
Claudia A.
High Point, NC
December 10, 2025
This was the first home buying experience for my wife and I and Patrick did everything he could to help us understand the process and answer any questions we had. He responded quickly and was always willing to hop on a phone call to talk through things with us. I would recommend Patrick to anyone getting a loan for a home purchase, the peace ofind he helped provide through the process was much appreciated.
Jeffrey Patrick K.
Washington, DC
December 10, 2025
Patrick has helped me with two home loans now, and I couldn't ask for better care! He was always quick to respond; if he didn't have an answer, he would find one! No matter the time of day, the day of the week, or what he may have had going on, he was there to help.
Jamie M F.
Kershaw, SC
December 10, 2025
Patrick is a true pleasure to work with and very available to answer any questions we had. Communication was excellent and he thoroughly walked us through the entire process. We cant recommend Patrick enough!
Greg A .
July 9, 2025
If you want something to care about why you want and what you need and make your dreams come true with Patrick Edmondson you can do it he works and he will tell you what needs to be done on your side in order to raise your goal.
Beth B-Rodriguez .
June 6, 2025
Very responsive and answered all my questions
William Martin R.
Statesville, NC
March 25, 2023
Patrick was a fantastic guide and answered all of our questions. Very friendly and helpful! Thank you for all your hard work!
Kristin K.
Burnsville, NC
January 7, 2023
Patrick was absolutely exemplary!
Thomas Israel H.
Monroe, NC
November 16, 2022
Patrick is very kind, knowledgeable and responsive. We will continue to refer and use him for any future mortgages.
Thomas Jefferson T.
Charlotte, NC
September 26, 2022
Communication and explaining everything. Also the quickness.
Benjamin J. G.
Asheboro, NC
June 3, 2022
Patrick’s will to help me and my wife with whatever questions we had and making us feel like we were in good hands which I believe we were!
Matthew G.
Lancaster, SC
May 13, 2022
Easy to communicate with Patrick and your online system is awesome
Patricia C.
Waxhaw, NC
February 9, 2022
Patrick is extremely responsive and shows that he has an extreme level of ownership and accountability during the process to drive towards a successful completion against aggressive timelines. He strives to make it easy to work with him and for this reason I have returned to CF Mortgage several times for both refinance and new mortgage services and recommended family and friends.
Adele Ann H.
Charlotte, NC
January 31, 2022
Working with Patrick!!!
Marcus F.
Hustle, VA
January 27, 2022