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
Working with Ryan and Novus was next level service and performance.
Ryan ultimately helped us secure a very competitive rate and was willing to absorb some fees to get the deal across the finish line, which we really appreciated.
Ryan was professional and knows how to navigate deals.
RRyan is great to work with. He is very knowknowledgeableand skilled at what he does. I have worked with him multiple times and it is always a great expexperienc. He is trusttrustworthyand always has my best ininterestsin mind and I apprappreciatethat.
Ryan was very patient and understanding when walking me through potential obstacles. Help me identify the paperwork that was needed ahead of time. Was prompt in answering and explaining the questions i had. Overall a great experience
Ryan is a personable and very knowledgeable lender. He guided me through the entire process of purchasing my new home and he was always available to answer all my questions. His advice was needed and very much appreciated at every step along the way. Thank you Ryan for everything!!
Ryan came very highly recommended and after working with him, I can see why. He is knowledgeable, competent, understanding, and patient. I have some speech difficulties due to a stroke and he was really patient and compassionate towards me. It also felt like he had my best interests at heart and looked out for me. Working with Ryan feels like getting help from a family member, and he made himself available to answer questions at all hours. He explained everything clearly in plain English. I highly recommend him and I will use him again in the future.
Ryan was amazing! We would have lost our house that we loved, if it weren’t for him coming in and taking over the loan. We highly recommend him for ALL your lending needs. Thanks Ryan for everything.
He was wonderful and helpful to me through it all. Very noticeable and professional throughout the process . He knew every thing I need to get this done.
I am very grateful and appreciate everything that Ryam has done as a lender made a loan that seemed impossible Ryam made it possible, by side of that he managed to get me credit with the seller, I really recommend it with my eyes closed I can never have gotten a better lender than Ryam
Ryan was awesome to work with. We needed to move fast and we had some quirky aspects to our process and he was super responsive to my one million questions and able to offer options. Usually the mortgage process is a headache but Ryan made it absolutely seamless.
I had the pleasure of working with Ryan as my mortgage broker. Right from our initial meeting, Ryan explained all of my options in detail, answering all of my questions. He was always available to provide guidance, whether through emails or phone calls. He understood my financial situation and tailored the mortgage options to fit my needs, finding me a competitive rate. Throughout the entire process, Ryan was proactive, keeping me updated on every step and making sure I understood what was happening. The closing process was smooth and quick. I highly recommend Ryan to anyone in need of a mortgage broker—whether you're a first-time homebuyer or refinancing, you’ll be in great hands.
I used Ryan DiPietro and Tina Bentley with Texana Bank for refinancing our mortgage loan. This loan was closed in record time! Everything was done accurately and concise. Absolutely, no problems or hiccups along the way. I highly recommend using this team! You will not be sorry.
We recently had the pleasure of working with Ryan during the process of securing our mortgage, and we couldn’t be happier with the experience. From start to finish, Ryan made the entire process smooth, stress-free, and efficient. One of the things we appreciated most was Ryan’s honesty and transparency. There were no surprises or hidden fees, and Ryan worked tirelessly to get us the best possible rate. Ryan also provided great advice on locking in our interest rate at the right time, which made a significant difference. We highly recommend Ryan to anyone looking for a reliable, friendly, and experienced mortgage professional.
Ryan stepped in when other lenders failed. Was able find solutions to any problems that came up during process and most critically provided a mortgage on a very short timescale. Perhaps the most compelling feature to working with Ryan was his accessibility making the client feel that they were the only one.
I would like to thank Ryan so much who tackle this loan against all odds but never gave up. He is one of the most determine people I know against all odds to get the job done. He went way beyond his line of duty and was so nice about the whole thing. Thank you Ryan I am really enjoying my new home thanks to you.