Robert Lewis
Get to Know Robert
50 States
One trusted partnerRobert Lewis has been in the mortgage industry for over 20 years and specializes in Conventional, VA, FHA, USDA, and Non-QM loan products. As a Residential Loan Officer, he focuses on helping Homebuyers and Investors find their ideal financing options, guiding clients nationwide through every step of the loan process with frequent, thorough communication.
Robert is known for pairing deep lending expertise with a strong background in marketing and technology, which he uses to streamline the loan process and educate borrowers along the way. He is a plain spoken, methodical analytical person who believes an informed client is a confident client. Which is why education sits at the center of everything he does.
Outside of the office he is a devoted family man and enjoy gadgets and technology.
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
The call was AWESOME! Mr.Lewis was very attentive, listened incredibly well, didn't judge, and gave great advice that was simple to understand. He's such a kind person but also very realistic.
Robert helped me understand the importance of financial preparation, budgeting, and being realistic about what I could afford. I learned that homeownership is about more than getting the keys, it’s about being financially responsible and prepared for ongoing expenses, maintenance, and unexpected repairs. His guidance helped me feel more confident and prepared for this new chapter. I highly recommend Robert to anyone preparing to become a homeowner!
Robert and his team has been helpful and encouraging during this process. I would definitely recommend his services.
Robert Lewis was fantastic to work with throughout the mortgage process. He was knowledgeable, responsive, and made sure I understood each step along the way. Robert was always available to answer questions and went above and beyond to make the process as smooth and stress-free as possible. I truly appreciated his professionalism and personal attention. I highly recommend Robert Lewis to anyone looking for a trustworthy and dedicated mortgage loan officer!
Great conversation and amazing information! Really enjoyed picking his brain and going over my portfolio. I would def schedule another call with Robert in the future!
I had a very positive experience working with Robert. I initially learned a lot from his YouTube videos, so when I was in the market to buy a house, I reached out to him. Robert was timely, professional, and very knowledgeable, and he answered all of my questions. I had a great experience working with him and will certainly recommend him to others.
Working with Robert was the best decision of our lives. Like many of us out here, we were dealing with a few credit issues from the past. Robert not only provided us with a true game plan to help us navigate the home ownership process. He showed genuine care for our families well being. We as a family appreciate the kindness and professionalism Robert conveyed to us. Now we can finally say we've stepped on the property ladder and Robert was our missing piece. We are forever grateful to have found our lender for life.
I would recommend Mr. Robert Lewis to anyone who is ready to buy a home. Highly professional, caring and sincere. I really could tell a whole story on this process. He provided the words of encouragement that I needed. I will be forever thankful to Mr. Lewis. I did not expect this process to be as smooth as it was. I wish I could have given him more than the five stars offered here.