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
Upen and his team made what seemed like an impossible situation into a realistic and completely manageable one. He worked efficiently and professionally with the unique challenges and demands of high earning medical professionals in a state that many lenders don't have a presence in. I don't want to mislead review readers on this man's abilities, but he was able to predict a mortgage broker leaving us high and dry after we had our home offer accepted the day before it happened, and turned around and got the deal done like it was just another Tuesday. Highly recommend and would work with again in the future. Thank you Upen.
Upen and his team were wonderful and pleasantly easy to work with. Have to give credit where it is due, I don't now how, but Upen predicted (a day before it happened) that the mortgage broker we were working with would burn us and leave us hanging to dry after we've made an offer, so how could I not work with the man who could see the future? Beginning our relationship with thirty days to close, he and his team were able to get us through the due diligience, appraisal, document collecting, and closing period and not getting hung up on the things the broker assured "nobody would be able to lend to us." Medical professionals (Doctors, Dentists, & CRNAs) have non-traditional employment and contractual obligations that most underwriters won't even entertain. However, Upen assured me that it could be done, and now, the day after closing, I am a believer and lucky to have been able to work with him and rely on his experience. This was our first homebuying experience, and we don't really have a base to rely on, but Upen worked directly with our Realtor to help coordinate the various aspects of the escrow period, and notified us in a timely manner if a certain document or statement was needed for underwriting. There were a lot of documents, but again, non-traditional borrowers probably need the slew of paperwork for qualification. I cannot recommend Upen and his team enough. If any of my collegues decide they want to purchase a home given our unique borrowing requirements, I will absolutely recommend and give them Upen's contact information. Thank you!
Upen has done 7-8 loans for me and I send my friends and family members to him. He is the best.
Upen is awesome.
Upen Patel was the best lender we could have possibly chosen to work with for our physician mortgage. He went above and beyond to get us into our dream home. We worked with him closely over the course of 6 months to get prepared to buy a home, then walked us through the entire process with ease. I can't express my gratitude enough and look forward to working with him again.
Upen went above and beyond to get my husband and I into our dream home. He was accesible and on top of everything. He made buying my first home feel easy and exciting. Thank you for truly caring about us and making our dream home come true!
Upen is the best – super responsive and incredible rates. I won't go to anyone else for mortgage broker services.
Upen is so responsive and knowledgeable and has walked me through this process multiple times. He has also always provided the most competive rates I've found anywhere, hands down.
Upen was a pleasure to work with
Upen was a true partner. He was there to guide us every step of the way. For anyone buying a home I would highly recommend working with Upen.
We love working with Upen. He truly wants to best for his clients.
Upen was extremely helpful throughout my home purchase process. He was a strong advocate for me and I am greatly appreciative of that as it is often necessary in these types of transactions. He answered my call nearly every time I dialed him. The times that he didn’t, he returned the call very quickly. Communication is so important during a home purchase. Upen exceeded my expectations! I will be using Upen again in the future!
Upen and his team got me across the finish line to closing on my home when another lender couldn't. I had a lot of earnest money invested in the deal so Upen saved me from a huge financial loss. I realky really wish I started the process with Novus because it was by far smoothest home purchase I've ever had.
This is our third time working with him, and every experience has been seamless. He’s knowledgeable, responsive, and always keeps us informed throughout the entire process. He makes what can be a stressful experience feel organized and straightforward. We truly trust his guidance and highly recommend him.
As an experienced Real Estate Broker of 10 years, it was such an absolute pleasure to partner with Upen on a real estate transaction. He saved my client from losing the home of her dreams. I will forever be grateful for his expertise and professionalism. My client was previously denied by another lender, and Upen was able to final approve her in less than two weeks! Thank you so much Upen.
Upen was fantastic to deal with throughout the entire home buying process. He was an expert on mortgage offerings and even let me know of a better product that became available before closing! He dealt with all the curveballs that the seller and I threw his way like a professional with ease, and was always available by phone when something came up. I cannot recommend Upen highly enough.