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
Sara Kidd was great to work with. She was very helpful and when we reached a snag in the proccess she always helped to resolve it. Thamk you Sara!!!
Very efficient and professional experience from beginning to end! The Novus personnel were wonderful to work with!!
Great experience
Sara Kidd made us feel comfortable and confident in every step of the journey. Could not have asked for a better lender!
Great service through the whole process They made buying our house a great experience!
Great people to work with . Answered all my questions and concerns I had . Would definitely recommend !!
Wonderful experience with no surprises
Sara is a wonderful caring person first and foremost and genuinely cares about you and your journey finding a home She goes above and beyond and does it all with her heart
Sara was both professional and sincere, worked hard to advocate for us when a Seller misrepresentation occurred just prior to closing on a prior property. She and her legal team were able to terminate the contract when we were otherwise locked in. Sara effortlessly walked us through the entire closing process twice and was sincerely excited for us about the property we ended up purchasing. When we asked to move up the closing date by a week, she didn't hesitate to meet our request, and even when the terms of the contract needed changing at the last hour, she redid all the document changes needed to meet our new closing date. I would highly recommend Sara for any of your mortgage needs. Dr. Adam M. Alterman
Sara was not only available after normal business hours, but quickly answered aour questions and addressed any concerns we had. She was always pleasant and sincerely excited for us, and advocated for us when the prior closing transaction was going south due to Seller misrepresentations. We cannot imagine any better service and support than what Sara provided us.
Sara was on top of things! She went above and beyond for us!! She treated us like family and will highly recommend her!! she is truly a wonderful person!!
Great experience. Saved me money and no hassle to get a million papers to do it
I am a repeat customer of Sara Kidd. She is great at her job, always positive, prompt and courteous . I recommend her to everyone I know who needs a loan officer. I am very pleased with the entire process, and I will use Sara and Novus for any future home finance needs that I have.
Sara Kidd is the best! She made the entire process smooth and easy!!
Great customer service! Sara made the whole process easy!!
Thank you for all your and your teams help.