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Sara Cipriano

Branch Manager
NMLS #425999
4.9 Rating (256 Reviews on Experience.com)

Hermitage Branch
3871 E State St
Hermitage, PA 16148

TOP LOAN ORIGINATOR WITH PHFA

I’m proud to be recognized as a Top Loan Originator with PHFA (Pennsylvania Housing Finance Agency). This achievement represents the trust my clients place in me and my commitment to delivering a smooth, informed, and supportive home financing experience.

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

the home buying process has lots of questions and Sara always got back to me very quickly with clear answers
Jon S.
Aliquippa, PA
May 14, 2026
Sara was very knowledgeable and helpful during the entire process and thoroughly explained what was needed to keep everything moving along. Would definitely recommend and would do business with her again.
Michael Vincent B.
Transfer, PA
May 11, 2026
I’ve had the pleasure of knowing and working with Sara now for almost 2years, and she has single handily saved my clients from ROTTEN deals with hard work and dedication! She really does ride in on a unicorn I swear! She and her team gets……it……done every single time! I can’t believe it took me this long to write a review! Thx for everything 😊
Maryc B.
May 9, 2026
Sarah was an absolute blessing. She was very patient and helpful throught the loan process and when we ran into bumps in the road she was able to fix the problem and help us. Such an amazing experience headed buying a house super easy. I dont know if we would have gotten this far with out her.
Brenden C.
May 4, 2026
Patience and clear explanations
William R M.
Beaver Falls, PA
May 1, 2026
Sara was so helpful throughout this entire process. Very kind, understanding, and always responsive.
Brenden Christian C.
Warren, OH
May 1, 2026
Working with Sara made my first time home buying super smooth and easy. she was always there to answer any and every question or concern that i I had!
Samantha Ann L.
Cowansville, PA
May 1, 2026
Will 100% recommend!
Kristopher S.
Saegertown, PA
April 30, 2026
Just went well especially using the telesigning
Maureen H.
Hermitage, PA
April 27, 2026
The team was very clear and understanding, letting me know what happens next and so forth. Glad I choose them, Thank you so much Sara and Robert for all their help
Donna M M.
Sharon, PA
April 25, 2026
Sara and her team were wonderful to work with. They anticipated my needs and answered my questions very quickly. Five star service!
Edward R.
Sharon, PA
April 24, 2026
Sara was wonderful. she made herself easy avalible for any questions or concerns my husband and I had. Buy a house is ALOT but she made it smooth and efficient. The whole team at Novus did! I know there are a lot of people behind the scenes that are working tirelessly to get things done and my husband and I appreciate everyone!
Cassandra June C.
Greenville, PA
April 23, 2026
Everything was awesome Sara and Jimmy are amazing! Highly recommen!
Kody C.
Cochranton, PA
April 21, 2026
Sara and Jimmy were amazing! Made the first time home buying experience easy! Highly recommend!
Kody C.
April 21, 2026
AMAZING AMAZING AMAZING
Jacqueline N K.
Evans City, PA
April 19, 2026
Made everything very easy.
Blaine W.
Niles, OH
April 9, 2026