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
My broker was very helpful with each step and meeting deadlines . Details matter and she was well at elaborating on the step by step therefore I was in the know the entire proces! I Will definitely highly recommend!!!
From the beginning Stephanie was always positive. There were times we believed it wasn't going to happen. Stephanie kept a positive attitude assuring as to keep the faith and we would get our home .She worked extremely hard to make our dream come true .I would highly recommend here as Loan Expert. I have never met anyone as knowledgeable as she is .Her dedication to here craft is what makes her stand above the rest..Stephanie Thank you for believing in us.
Very responsive, helpful , and made the whole process smooth and easy!
I truly enjoyed working with Ms Stephanie Hamilton She was referred to me after having a terrible experience with my prwvious loan office at Novus She was very knowledgeable of all the products and provided excellent customer service . It was a pleasure working with her and I will use her in the future and I will refer clients to her as well Novus you are truly blessed to have her in your organization. Have a Happy Easter!
I received excellent customer service from Stephanie. She did a fantastic job guiding me through the entire mortgage process. She patiently explained each step of the application, making the experience seamless from start to finish. Thank you very much!
Got all my questions answered and helped us through the process of buying our first home
Stephanie was an Exceptional professional. very knowledgeable. She turned a stressful process into a smooth process. I will return and do all my business with Stephanie.
Stephanie's personal care, timelines and willingness to explain details we didn't understand was appreciated. Thank You Stephanie
Stephanie had a way of putting us at ease throughout the entire transaction. It was our first purchase and we had a lot of questions. She was patient and never showed frustration. I really enjoyed working with her, she is very knowledgable and knows what she is doing. I appreciate her being our advocate and helping us close on our dream home!
Mrs.Stephanie clearity genuine concern of my understanding of the process. Rapid response to any questions we had in regards to how we were or where we were during the process. Definitely went longer than we wanted and anticipated, but by no fault of hers. Our situation wi the process was totally out of hers and our control. Stephanie was great.
Great job!
Ms Stephanie did a phenomenal job, she over delivers, very informative, exceeded over and beyond expectations. I really appreciate how she was patient and addressed all concerns. She made me feel safe with decision making and confident I was in good hands. This lady knows her stuff, and highly recommend her for anything pertaining to getting prepared to purchase a home. There was nothing she couldn't figure out. 100 out of 100 experience, hat goes off to her.
I had the pleasure of working with this gifted professional. I was referred to Stephanie by one of my sisters. During our first conversation, Stephanie shared the biblical story of Abraham and Peter. She didn't know then that I am a Spiritual Life Coach. I was immediately sold on working with her. The house-buying process can be stressful. However, I'm grateful that I had Stephanie there throughout the process.
Stephanie is phenomenal to work with. She explained everything thoroughly and made my first-time home buying experience very smooth. She is very attentive and is always one call away for any questions I might have. I highly recommend Stephanie to anyone looking to buy.
From the beginning of my home purchasing process Ms. Stephanie eased my worries and worked diligently toward my home ownership as though it was her journey as well. Any questions that I may have had, she made sure to thoroughly explain everything in a manner that I would understand. I closed quickly and things worked out the way they were supposed to, as she made sure to remind me frequently. If you’re looking for a responsive and educated LO, she’s the real deal!
I love working with Stephanie. Very knowledgeable and will do everything possible to help you. I can't wait to work with her again. She helped up buy a house in another state. I love that she was very responsive to all my questions.