Rob Grimes
Get to Know Rob
50 States
One trusted partner“There’s a reason we came back to him for our second home purchase.”
For Rob Grimes, that recent client’s feedback reflects what matters most: earning trust that lasts beyond closing. Clients return for their next purchase or refinance and refer friends and family because they know he’ll take the time to listen, explain their options, and help them move forward.
As a Loan Officer with Novus Home Mortgage, a division of Ixonia Bank, Rob works with buyers across the country, including first-time homebuyers, those exploring down payment assistance, and self-employed borrowers. His experience spans conventional, FHA, VA, and USDA financing, allowing him to explore solutions that fit each client’s circumstances.
Rob’s Clear Move Plan gives clients a step-by-step roadmap from application to closing. He pairs that structure with proactive weekly updates, clear answers, and close communication with real estate agents so everyone knows what’s happening and what comes next.
Clients describe Rob as patient, responsive, and focused on finding solutions. Whether he’s helping someone buy their first home or working through a complex financing situation, his goal is to make the process easier to understand and help clients feel confident in their decisions.
Outside of work, Rob enjoys traveling with his wife, Marnie, spending time with their three dogs, and getting out on the golf course whenever he can.
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
Rob was wonderful to work with throughout our home-buying journey! He was always communicative, incredibly patient with all of our questions, and happy to offer advice whenever we needed it. As first-time homebuyers, we really appreciated having someone who took the time to explain things and help us feel more confident in the process. We never felt like our questions were a bother, and it meant a lot to have someone in our corner as we navigated such a big milestone. We’re so grateful for Rob’s help and would absolutely recommend him to anyone looking to buy a home!
I've worked with Rob since 2018. He's worked on my VA loan and refi along with helping my clients from first time home buyers to investment properties. AND he answers the phone on the weekends! Very professional highly motivated. Recommend him for all your residential real estate mortgage needs.
I’ve known Rob Grimes for more than 10 years, and we’ve served many mutual clients. Through it all, he has conducted himself with the utmost integrity. Rob gives people an honest, straightforward approach to buying a home, whether they’re considering an FHA loan, a VA loan, or a conventional mortgage. I’m honored to recommend him to anyone looking for a loan officer they can trust. He’s based in Tulsa and lends nationwide.
Our conventional loan in Tulsa was a great experience. Rob Grimes was very professional and good to work with. His support staff were good to work with as well. Rob explained the process and made documentation easy to understand. I would use him again an recommend him to others.
Grimes Team provided the very best home buying experience I've ever had! I would definitely recommend them!
True professional to work with. Offered sound advise and guidance without being pushy. Highly recommended.
We cannot say enough great things about Rob! This is the second home he has helped us purchase, and once again, he made the entire process so much easier. Rob is incredibly patient, always looking for solutions, and takes the time to explain everything so we understand exactly what’s happening throughout the process. His communication is outstanding—he keeps us informed every step of the way and is always available when we have questions. Buying a home can be stressful, but having someone you trust makes all the difference. We truly appreciate Rob and the time, effort, and care he puts into helping his clients. There’s a reason we came back to him for our second home purchase, and I recommend him every chance I get! Thank you, Rob, for taking such great care of us once again!
Rob Grimes and his team are phenomenal to work with. They made things as easy and as painless as possible. Would definitely use them again and would highly recommend.
Working with Rob Grimes and his team has been an outstanding experience from start to finish. They made what can often be a stressful process feel organized, straightforward, and manageable. Their communication was excellent—they kept us informed every step of the way, answered every question promptly, and always took the time to make sure we understood our options. What impressed me most was their professionalism, knowledge, and genuine commitment to providing exceptional service. It was clear that they truly cared about helping us achieve our goal, and they worked diligently to ensure everything stayed on track. I highly recommend Rob Grimes with Preferred Rate and his team to anyone looking for a lender who is trustworthy, responsive, and dedicated to their clients. Thank you for making this such a positive experience. We couldn’t have asked for a better team to work with! God Bless you Rob and Team!
Being a 1st time home buyer Rob made the process very smooth. I really appreciate everything you have done for us.
Great communication. Closed my home a week early – during the holidays too! Very happy with my home-buying experience.
Rob was wonderful to work with. He answered all of our questions promptly, and made the buying process so much less stressful than it could have been. Highly recommend him!
Rob is upfront, communicates well, and has solutions to pivot if your file needs a pivot, he will get you to the finish line of an easy or complicated file.
I’ve worked with Rob in multiple capacities over the years. He helped me refinance my own home, then later assisted me with purchasing a new one. As an attorney, I’ve also referred several clients to Rob for equity buy-outs and post-divorce refinancing. Every client has had a great experience — Rob explains the process clearly, communicates well during stressful situations, and understands the financial side of divorce better than most lenders. He’s my first call for mortgage needs and the only name I give out to clients, friends and family.
Rob is top notch at what he does. Knowledgeable, personable, and professional. I will definitely be using him in the future. Highly recommend!
I had Rob Grimes refinance my home 6 years ago. He was very professional and helped me understand the process as well answer my questions. I would highly recommend him