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Sara Cipriano

Branch Manager
NMLS #425999
4.9 Rating (238 Reviews on Experience.com)

Hermitage Branch
3871 E State St
Hermitage, PA 16148

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

$
$
$
$
$
%

You can afford up to

$

Monthly Payment $

Principal & Interest $

Tax $

Insurance $

$
%
months
$
%
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

AMAZING AMAZING AMAZING
Jacqueline N K.
Evans City, PA
April 19, 2026
Made everything very easy.
Blaine W.
Niles, OH
April 9, 2026
Working with ready to work people is always a relief
Benjamin W B.
Sharon, PA
April 8, 2026
Great team. Looking forward to the next time we do business.
Ben
April 8, 2026
Sara is a SUPERSTAR. She was so prompt to answer any question, she was incredibly detailed, and made the home buying process much less scary.
Brett A S.
Hermitage, PA
April 7, 2026
Sara quickly addressed any questions we had during the purchase process. Being first time home buyers, we had quite a few. The quick responses definitely helped reduce our anxiety in the buying process. Very grateful for the whole team that helped us into our new home!
Stephen G.
Ellwood City, PA
March 30, 2026
Quick and thorough responses. Kept us informed through our purchase process.
TMNTstevieg
March 30, 2026
The process wasn't painful and was pretty quick.
Johnathen C.
Greenville, PA
March 29, 2026
The experience of buying a home with Sara was so pleasant! What is normally a painful process is streamlined with clear communication. They speak like normal people and she even coordinated with my realtor to ensure all relevant information was passed along. Sara and her team have a very easy to use app that all documents can be uploaded through. We spoke on the phone a couple of times and went to the office on signing day. I appreciate you all so much!
J S.
March 17, 2026
Sara was able to work with me in my difficult situation in order to close on my dream home! She is amazing at what she does!
Michael Anthony B.
Meadville, PA
March 3, 2026
Promise responses to questions in had, and very friendly!
Megan L H.
New Brighton, PA
February 28, 2026
Sara always had the right answers Only thing I'd want different is to only have worked with her not the others
Megan Beth H.
Erie, PA
February 21, 2026
easy experience
Karly G K.
New Castle, PA
February 18, 2026
It was an awesome experience working with her. If I need another home loan in the future I will 100 percent go to Sara she is amazing.
David Charles D.
Erie, PA
February 17, 2026
Felt that everything went smoothly with submitting documents and questions that I had with anything.
George T E.
Greenville, PA
February 9, 2026
Promptness and expedience.
Ericjon T.
New Castle, PA
January 10, 2026