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
Fast, easy communication, no issues at all. Thank you!
Ryan was very straight forward, transparent and forthcoming. A pleasure to work with. Thanks!
Great service and quick processing time. Would highly recommend!
Ryan was very informative, understanding, and quick to respond to all of my questions. He closed tgis this loan quickly for an eager seller. I highly recommend him to anyone looking to buy a home. 👍👍👍
Ryan was fantastic as usual. This is my third time working with them on home purchase and all were different scenarios. He walked me through the entire process each step of the way and took the time to answer my questions, and explained things in a way I understood it. On this most recent purchase, he did several rounds of analysis to help us find the best finance option for our new home. In a very stressful time, he put us at ease. He and Nick Kinsella are top notch.
Ryan goes above and beyond for his customers. He was extremely dedicated to results and made my home buying purchase so much more enjoyable! He is the best!
I recently went through the home mortgage process, and overall it was a very positive experience. From the beginning, the lender was transparent about rates, fees, and what to expect at each step, which made a stressful process feel much more manageable. The application process was straightforward and surprisingly fast. I was able to upload documents online, track progress easily, and receive updates without constantly having to follow up. The loan officer was knowledgeable and always available to answer questions, which gave me confidence in my decisions. Overall, I would highly recommend this mortgage lender to anyone looking for a reliable, efficient, and transparent home financing experience. They made what could have been a complicated process feel simple and stress-free.
super responsive and knowledgeable
Ryan and his team made this home buying experience a pleasant one. They made every step easy. He was always there if we had a question and was a pleasure to do business with.
Ryan is amazing to work with! He is very quick and efficient with great communication skills. He was able to explain everything I had a question for and I would highly recommend him as a lender.
Ryan was extremely helpful during the entire home buying process. He was always available to answer any and all questions that we had! With the current situation regarding the pandemic we were amazed to hear we could close in as little as 30 days. Everything was super easy and very fast. I would highly recommend Ryan to any peraon who is gping tbrough the process of pre approval, home buying, etc.
Being a first time home buyer, the whole process was new and stressful to me and Ryan was super helpful every step of the way! He offered great advice and guidance to help make the entire process stress free. He is extremely knowledgeable, kind and someone you can trust and was always there to answer any and all questions I had in full detail in a way for a first time home buyer to really under the process. I would highly recommend Ryan!
Ryan helped us when many other lenders were giving us the runaround. He was able to answer all of our questions, offered us a great rate, and we closed on time.
Ryan made this process very smooth and easy. He did all of the legwork but he was very clear and consistent in communicating with us throughout the entire process. He was available whenever we had questions, and responded almost immediately.