Tim Watson
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
Tim and his team did great! They helped us secure a home for my family and I, which was a simple process! Highly reccomend!
Tim and his team are top notch. From beginning to end, they kept my wife and I updated, and they all made this home buying experience the easiest it could be. I would recommend them to ANYONE!
Everything made this experience great. From having full communication with Tim and his staff anytime of the day to having clear understanding of the process as we were moving forward. I could not have asked for a better professional and personal team then this. Thank you so much for everything.
Very good experience
Everything went so smoothly. Very good experience!
Tim has done a terrific job on a couple of mortgages he's worked for me. i was very happy with the Novis webpage that kept me updated. Very easy to navigate and use. Grest job!
From the beginning to the end of the process, Tim and his team were knowledgeable, professional, transparent, and communicative. We would highly recommend Tim and his team!
From day one, you've been positive, supportive, responsive, and incredibly helpful every step of the way. Buying a home can be stressful, but you made the process smooth and gave us confidence throughout the journey. We also can't say enough good things about Novus Mortgage—an outstanding team that truly goes above and beyond for their clients. Thank you for taking such great care of us. We appreciate all your hard work and dedication. And from one thin blue line family to another, thank you for treating us like family. 💙🇺🇸 We couldn't have done it without you!
The process couldn’t have been more perfect. Tim made everything smooth and stress-free from start to finish. Thanks to his hard work, guidance, and dedication, we are now homeowners. We are incredibly grateful and highly recommend him to anyone looking to buy a home!
Mr. Tim and his team went above and beyond for my family. He was very detailed at all times and made sure to jump through every obstacle along the way. He never judged our situation instead made a game plan and we took it head on! So thankful for him. 10/10 recommend!
Tim was extremely helpful
From the very first phone call to the final closing, he was absolutely exceptional. I came into the process feeling like a complete nervous wreck, but he took the time to explain everything clearly and patiently every step of the way. No matter how many questions I had, he always reassured me that everything was going to work out and kept me at ease throughout the entire process. His professionalism, responsiveness, and genuine care truly made all the difference. I am so grateful for his guidance and support and would highly recommend him to anyone looking for a smooth and stress free home loan experience. Thank you, Timonthy, from Kimberly and Landis.
ive in Columbus Georgia I spent two months working with a lender who ended up ghosting me, and not replying, also while having an attitude, and poor ethics. My mom heard about Tim Watson on the radio, I work night shifts and decided to send Tim an email. He responded so quickly! I never thought I would be able to buy a home by myself. I would recommended Tim to EVERYONE. He is a very nice person who genuinely cares… He made this process so smooth and easy! He also doesn’t make you feel like you’re being judged by your financial circumstances. This IS the place to go!!!!!!!
Tim went above and beyond to make sure everything worked in our favor givin all the obstacles we had he never once hesitated it muscled forward and done everything he could and got the job done Tim and his whole Team were top notch and done an excellent job!
Happy with purchase .
Tim Watson was awesome to work with. Instead of being a client we felt like family. So thankful we had Tim on our side.