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headshot for Ronda Bouse, wearing a light blue shirt.

Ronda Bouse

Branch Manager
NMLS #140680
5.0 Rating (47 Reviews on Experience.com)

Towanda Branch
150 Broad St Ste E
Waverly, NY 14982
2026 Lender Award mortgage originator from the PHFA

top Loan Originator with PHFA

I’m honored to be recognized as a Top Loan Originator with PHFA (Pennsylvania Housing Finance Agency). This recognition reflects my ongoing commitment to helping clients navigate the home financing process with clarity, consistency, and a high level of service.

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

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You can afford up to

$

Monthly Payment $

Principal & Interest $

Tax $

Insurance $

$
%
months
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%
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

Ronda was great, very efficient, and on point at all times. She explained everything well, and answered everything promptly. I had no issues with her work.
Kevin O.
BARTON, NY
June 9, 2026
Ronda was great. She explained everything, & just made what is a stressful situation less stressful. They made things so easy. Also Tonya Mowrey who works with Rhonda was great. Very nice & understanding people. Would recommend them to anyone i know who is in the market for a Lending agent.
Lisa E.
ATHENS, PA
June 2, 2026
Ronda and Tonya at My Citi Lending are awesome! They made everything easy & fast. Would recommend them to anyone searching for a Lending agent!
Lisa E.
June 2, 2026
Everything was easy and smooth. Communication was good, I didn't feel like I was left hanging.
Kevin S H.
TOWANDA, PA
May 27, 2026
Always called and let me know what to do
Simon C G.
Van Etten, NY
May 18, 2026
Ronda was very pleasant to work with. Always sweet and got everything done fast! Best experience
Sandy L.
Van Etten, NY
May 15, 2026
Ronda and her team were quick to answer questions and address issues that that I had.
Tony R.
ATHENS, PA
May 13, 2026
Everyone worked hard for us!
Tracy A Y.
Sayre, PA
May 12, 2026
The professionalism paired with great communication made the process smooth and easy!
Hercules B.
ROME, PA
May 10, 2026
Ronda and her team made the home buying process incredibly easy when I had virtually no idea what I was doing. I wouldn't have wanted to work with anyone else, especially because I feel like not too many others would have been so kind, prompt, and gracious in answering my endless (usually silly ) questions!
Megan E K.
Sayre, PA
May 1, 2026
Ronda was a pleasure to work with, very professional and thorough. She was always there for me with answers to any questions I had. She is highly recommended by me for you!
Judy M.
April 29, 2026
Ronda was excellent to workwith. She made the entire process streamline and easy.
Judy L M.
Bloomsburg, PA
April 26, 2026
Quick, straightforward.
Kyle Eric J.
Corning, NY
April 25, 2026
As a first time home buyer, Ronda and her team made the process very easy. She was very responsive to questions, and the system she uses makes doing my part as easy as can be. I would recommend her to anyone looking for a lender!
Travis A J.
MILAN, PA
April 21, 2026
Great company to work with for a mortgage
Steven T M.
New Milford, PA
April 19, 2026
Everyone involved in our journey was exceptional from beginning to end. We couldn't have been happier with the way we were treated by everyone. If I ever wanted to bit another house I would definitely return here
Linda A M.
New Milford, PA
April 18, 2026