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
Rebecca was patient with me and my situation. She asked clear questions and worked to get the full picture of what was happening. She never made assumptions or made me feel embarrased for not understanding information the first time. She was through and kept me updated at all times during the process. I'm grateful for her hard work on my behalf and creating a safe environment, so things ran smoothly.
Excellent experience working with Rebecca and her team! I would highly recommend her and her team!
Rebecca was absolutely wonderful to work with throughout the entire mortgage process. She always took the time to answer my questions, no matter the time of day, and explained everything clearly so I understood what was happening. She was patient, responsive, and made what could have been a stressful process feel so much easier. I truly appreciate everything she did to help me through the process and would highly recommend her to anyone looking for a mortgage professional.
Rebecca is awesome! Every step of the way she was very informative and quick to help!
Answered every question I had, even when I asked 5 follow up questions. Great customer service.
Rebecca was always avaliable to talk about questions and concerns we had . She helped my wife and I calm our nerves and be prepared to buy our first home. Thank you So much, Rebecca!
We had a great experience with Rebecca and would highly recommend her to anyone! She listened to our concerns, and explained the whole process ro to us! She was always there whenever we had questions. Thank you Rebecca!
Being completely unfamiliar with this whole process, Rebecca was phenomenal at explaining and remained patient regardless of my incessant questions. Would highly recommend.
Becca was so great at teaching me and keeping me informed about the mortgage and closing process. She is a consummate professional and great communicator!
Rebecca is very helpful and always available to answer questions. She goes above and beyond!
Rebecca was just amazing. Always available and if not returned my calls assoon as she could. Also kept me updated on the progress that was being made on my loan. I absolutely would recommend her to anyone looking to buy a home.
My family and I were very stressed about having to start the mortgage process over with a new lender. However, in less than 10 days, we were able to sign the contract for our new house, something we never thought would happen so quickly. The entire experience exceeded our expectations. The communication was excellent, and every step of the process was handled professionally and efficiently. We are truly grateful for all the support and guidance we received throughout this journey.
Yes, you are very professional, efficient, and speedy in the process. Thank you for all!
Excellent communication from Rebecca and Ashley. Would highly recommend to family and friends.
Rebecca and Ashley were amazing! They were transparent,and we're timely on everything. Very pleasant experience!!
Becca made my first time home buying process very easy and everything went smoothly. Highly reccomned!