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
seller and title issues turned the whole experience sour for me and mine.
Wanda was great. She made everything easy. She was always quick to respond when I had questions and helped me walk through the path of home ownership.
The process was seamless. I was expecting so many more problems to arise and Wanda made sure everything went through right the first time with no need for frantic moments finding documentation
Everything was great!
Overall grest experience. Wanda was there to answer any questions and was very thorough and precise with details.
Wanda was helpful with the whole process because we were not educated on a lot . we learned a lot during this whole experienc.
The entire process was seamless from start to finish. Communication was clear, consistent, and timely, which made everything stress free. Wanda and Tony were both extremely attentive, easy to work with, and always available to answer questions or provide guidance when needed. Overall, it was a smooth, efficient experience that exceeded expectations.
Wanda was extremely prompt to answer any questions I had and often times went above and beyond on her personal time to meet my needs. Exceeded my expectations and a truly impressive customer experiance. The app and supporting personnel on the team were also fantastic. Very simple and expedient process.
Our home lending experience was exceptionally smooth from start to finish. The branch manager “Wanda Wilson” stood out as highly knowledgeable, patiently explaining every option and detail without rushing us. What truly made the difference was her genuine priority on our family's needs tailoring the loan to fit our budget, future goals, and lifestyle rather than pushing products. Communication was clear, responsive, and stress-free throughout. We felt truly supported and valued. Highly recommend Mrs Wanda Wilson and her team for anyone seeking a family-centered mortgage process!
Wanda and her team are excellent!
Wanda has so much patience when working with older clients like us! Really keeps things in simple terms so we understand! Always goes over and above! Thank you again for all your help
Great group to work with
THE WAY TONY AND WANDER HELPED ME AND KEPT ME INFORMED ABOUT THE LOAN PROCESS
Working with Wanda and Tony made my home buying experience so much easier than I expected. They were both incredibly helpful, patient, and always willing to answer my questions (no matter how small). Their communication and support really helped ease the stress of buying a home. I’m very grateful for their help and would absolutely recommend them!
Wanda is amazing!!!!
Wanda and her team provided a great experience to what can sometimes be so confusing..