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
I was treated as part of the team and informed of updates immediately without any surprises!!! I am grateful to have worked with a family oriented team!!
Sherry and Liz were very helpful and answered my calls and text whenever I had questions .
Sherry is a awesome lady! She most definitely went above and beyond to answer questions we had, including taking her own personal time to have a chat with us about some questions we had. If the world had a bunch of Sherry's it would truly be a more kickass place!
Smooth experience. Always responsive and informative
We are incredibly grateful that Sherry has been our loan officer through our purchase. She has been extremly clear with what requirements we needed to make as well as open and available for any questions that we had. I will highly encourage others to use her services in the future. Clayton Jr
Professionalism!!!
Tina , Sherry and Liz that make our experience great as a first time home buyer . They are great people to work with. They are so patience and approachable . Great Job everyone. Thank you very much for all your help. 🙏. Gob bless and more home buyers to come. 🙏
Sherry was always quick to answer questions, and kept us updated on the loan process. It was appreciated.
When people do their expected jobs , I don't normally fill out these surveys. But Sherry done an exceptional Job, beyond what we expecte, always had an answer and always a solution to our situatio. Would most definitely recommend her to anyone need a home mortgage. If everyone done their job as well as her the world wouldn't have any rough edges at all.
Every little problem we encountered was taken care of by Sherry. She was amazing to work with. She was so helpful and she walked me through each step.
Sherry and Liz!
Sherry was incredible from start to finish. As a first time homebuyer, she was always quick to walk me through everything and to answer any questions I had. I'm grateful for all her help throughout this entire process and I highly recommend her to anyone.
Sherry answered every question clearly and made sure we understood the process. Would definitely use her again! Her and her office used the newest technology so the day of closing 99% of all the documents were e-signed in advance! No more sitting in a closing office for hours!
Very helpful, I would definitely recommend her to other people trying to purchase a home. Made the experience of buying a home less stressful than expected.
We are first time homebuyers and didn't know much about the process. Sherry and her team helped us so much. She was always there to answer questions and explain what to expect next. She got us a really good rate if not the best rate. I couldn't have asked for a better lender.
My husband and I are first time home buyers and we were recommended Sherry to help us with our loan. At the start of the process we realized we would need a lot of guidance regarding closing costs and loans. Sherry helped us understand the technicalities that come with purchasing a home and made sure we were comfortable with the outcomes. When we had questions, Sherry would quickly respond either text, phone call or email. Sherry was extremely supportive and knowledgeable for us and I couldn’t recommend her enough!