Trace Hawthorne
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
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
went above and beyond to make sure the deal wasn't delayed or cancelled
Tracy was highly knowledgeable and communicative throughout the entire process, which made everything smooth and stress-free. His attention to detail and willingness to keep us informed at every step truly set him apart. I would confidently recommend him to any future homeowner seeking a reliable and dedicated professional.
We were on a short timeline and Tracy made everything seemless. He kept us updated on anything new right away. We SO appreciated working with him!
Its always great work with Tracy
It was great
I got quick response to my questions, and your guys were very interactive.
Where informed the whole way and made it a very easy process
You both went all in and more to communicate and direct the multiple pieces of the puzzle in a struggling time to buy and sell a house.
He understood our needs and situation and handled everything professionally in a family sale.
Transparency and responsiveness!
Trace provide and answered any questions I had throughout the entire purchase of our home!!! Very informative and so pleasant to speak with as well. Always available when needed – thank you Trace
Trace was very helpful throughout the whole process. Making sure things were handled correctly. He made himself available for all the questions I had and answered in a quick manner. Thanks !
Everything. Everything was just so phenomenally easy and such care was taken that I understand the process and why things were needed. It was just an absolutely pleasant and memorable experience.
Trace is a very great guy and he did a very good job.
Great communication and ability to explain questions I had.
Trace and his team are knowledgeable, responsive and always available to answer questions, resulting in a pleasant experience in every respect.