Richard Bellows
Loan Officer
NMLS #1873757
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
Home Purchase Loans
Expert guidance through the home buying process
Refinancing Options
Solutions to lower your interest rate or monthly payments
Personalized Consultations
One-on-one meetings to discuss your financial goals
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.
Proudly Giving Back
We volunteer, sponsor local events, and support programs that strengthen our community.
Local Food Drives
We partner with local food banks to fight hunger, sponsoring community drives that help families in need.
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.
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
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.
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.
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.
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.
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.
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
Richard was great to work with we are very pleased with the service and attent to detail would highly recommend him !!
Jamie C.
Big Lake, MN
December 20, 2025
Amazing thank you so much we appreciate you
Nichelle Marie B.
Aitkin, MN
December 13, 2025
Made everything straight forward and to the point and no high hope made everything worked as promised
Christopher M.
Arden Hills, MN
December 10, 2025
After going back & forth with another lender for weeks, Richard got us pre-approved in hours. Extremely prompt, easy to work with, and hilarious. He stayed on the ball from start to finish and made the entire process incredibly simple. I can't sing his praises enough!
Taylor K.
Belle Plaine, MN
September 15, 2025
Great to work with made house buying easy will recommend to anybody friendly gets the job done and step you in the right direction there team is just wonderful to work with
Christopher M.
New Brighton, MN
August 18, 2025
Richard was amazing and worked with us. It took us a while, but we got to where we wanted to be all because of Richard. He is an amazing person and he hundred percent should be your lender!!!!!
Callista T.
Farmington, MN
June 23, 2025
Richard was the first lender to contact me when I was looking for a home. I was going through a lot with the death of both my parents last year and he was patient and understanding. A few things have changed since I bought my last house twenty some years ago and he walked me through everything. He was very supportive, compassionate, and worked his tail off to make sure everything worked out. I highly recommended him to anyone looking for a lender!
Jritter423
Plymouth, MN
April 25, 2025
When we started the process of buying a home we didn’t even know where to start or what to do in the process of buying a home, but working with Richard changed that quickly. He was patient and answered every question and walked us through each and every step. He made sure we were getting the best deal and found options for us we didn’t even know were possible with other lenders. He even called us AFTER we had closed to check in and walk us through anything we might have missed previously. Highly recommend working with Richard as he will get you everything you need and more. Incredible to work with!
Ashley S.
Saint Cloud, MN
November 4, 2024
Prior to me finding my home, I was in a very unique situation which prevented me from the opportunity to pursue a home at all.Ricky was instrumental in helping me out of that situation, and then went on to guide me throughout this crazy market for the best possible path. He was very thorough when explaining all the options and kept me up to date on interest rate changes over the many months necessary to find my home. Once I found my home, Ricky was very efficient throughout the process, and made extremely helpful referrals as well! I could not have had an easier time working through the process.I will be working with Ricky for my future endeavors and I highly recommend anyone who sees this do the same!
Nathan Paone
Kingston, MN
October 26, 2024
Richard went above and beyond to get us to be able to purchase our first home! He got us in touch with all the right programs to do to get costs lower! He helped us through every step of the way and was able to explain everything very thoroughly! The mortgage process was extremely fast and smooth working with Richard! He also was able to lock us into a lower interest rate than we were thinking we were going to be getting in at! Extremely impressed with his work and highly recommend him to anyone and everyone looking to purchase a home or refinance!
Will P
Zimmerman, MN
July 18, 2024
Richard Bellows was truly exceptional. I am so grateful he agreed to work on my case after foreclosure. He was able to efficiently solve any challenges throughout the process. The amount of effort and time he put into getting me approved for the loan is unbelievable. He walked me through every step of the financial process. He was available anytime I had a question. Richard was always finding kind and supportive words for me to ease my stress level. He went above and beyond his job. I highly recommend Richard Bellows to anyone looking to purchase a home!
Anna Silko
Prior Lake, MN
April 24, 2024
Richard Bellows took us seriously, saw are unique circumstances, and respectfully got to work promptly. He was available whenever we had a question, transparent, and personable/relatable. His team saw us through to the finish line in record time. We wouldn’t hesitate to partner with Richard and his team again in the future. Highly recommend!
Heather Schepman
Minneapolis, MN
April 2, 2024
My experience with Ricky was an absolute blessing. Although I have mortgage experience under my belt, he still treated me with the utmost respect, made me feel like family, was available anytime I needed him with questions, and in times when he wasn't, promptly returned my calls. I couldn't have asked for a better partner as I went into my very first home purchase.
Monsterseanster
Oakdale, MN
February 19, 2024
I am super thankful to Richard and everyone at BOE Mortgage who made my first home buying process a great experience! Richard was informative and made me feel at ease the entire time! Finding a house that’s FHA approved is like finding a needle in a haystack, so when I found my house – he was so quick in getting everything in order and the loan processed. He was always looking at the market and luckily able to snag a lower interest rate as well! Great experience overall and it honestly felt like you’re talking to a friend throughout the process. Highly recommend!
Cayla Roberts
Burnsville, MN
August 16, 2023
He’s a very outstanding person to talk to and knows what he’s doing (very knowledgeable). Richard will help with just about anything involving your loan. He’s the man did anything in his power to help me through the process!
Westonmonson
Foreston, MN
August 8, 2023
It was a long process to get the right property but Richard was there through the whole thing. He was very helpful in answering questions and guiding me through my first home purchase. He kept himself available throughout the whole process. When it came time to send pre-approval letters he made calls to the listing agents to advocate for me and give confidence to the seller that the deal will close. He definitely made purchasing a home a more positive and smoother process. My agent was also quite impressed with Richard, he said he was very pleased with how communicative and responsive Richard was throughout.
Tyler Smith
Stacy, MN
August 8, 2023