Get to Know Yvette
30+ Years
of experience50 States
One trusted partnerI have been a licensed Mortgage Consultant in both Wisconsin and Florida since 1997. I am a Certified Mortgage Planning Specialist and have earned my Certified Mortgage Banker designation through the Mortgage Bankers Association. I have been recognized among the top 1 percent of lenders in the United States, ranked number one in total company units in 2017, and honored with the Elite Women in Mortgage designation, the Five Star Mortgage Professional award, and the Leadership Excellence and Corporate Citizenship Awards.
As the team leader, I bring extensive experience in mortgage lending and guide my clients through every step of the process. My focus is on providing the education and clarity needed to help you make confident home financing decisions. I devote the majority of my time to crafting personalized mortgage strategies that align with your individual goals.
I have had the privilege of serving my clients, along with their families and friends, throughout my career, and I welcome the opportunity to work with you as well.
Team Clermont
Team Clermont, led by Yvette Clermont, CMB, delivers nearly three decades of trusted, data-driven mortgage expertise to clients nationwide. Based in Florida and licensed across the U.S., our team serves homebuyers and real estate investors from coast to coast with precision, care, and clarity.
Since 1997, we’ve been a go-to resource for thoughtful mortgage guidance—helping first-time buyers, move-up clients, and seasoned investors navigate complex decisions with confidence. What sets Team Clermont apart is our
attentive listening, meticulous organization, and deep understanding of today’s evolving mortgage regulations, ensuring a smooth and well-managed experience from application through closing.
As part of Novus Home Mortgage, we operate with a fully integrated, in-house process from application to funding. This structure allows us to meet demanding timelines while maintaining exceptional quality, communication, and accountability at every step.
While our roots run deep in Florida and the Midwest, our reach is truly national—and no matter where you’re located, you can expect the same personal attention, responsiveness, and commitment to doing what’s best for you.
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.
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
It was a little rocky in the start and communication wasn't the greatest. But then after I expressed my concerns all went well moving forward.
She is great.She got us our first home.I will recommend her and her team to my friends and family
For this being our first time ever buying a home and not having any idea about any of it it was relatively painless but she handled everything so beautifully and perfectly for us and quickly it was absolutely amazing I hope any other time if I buy more homes it turns out this easy and fast we had a great team behind us!
What a great team that this company has
Yvette was very helpful and very pleasant
My wife and I applied for a Home Equity Loan to buy a parcel of land in Florida. This was a very scary move for both of us. We built our home in 2012 and only owed $23,000 to pay off the home before we applied for the loan. My wife and I are considered senior citizens and just the thought of being very close to paying our home off and putting more debt on it was scary for both of us. Yvette and her team collaborated very closely with us through the process. They would answer all our questions in a way that we would understand. Team Clermont was excellent, but the team is only as good as the team leader, and that is Yvette Clermont. One example of Team Clermont's excellence was when we were getting close to the closing date one of the team members gave me a call and simply asked if after all the costs were deducted from the original loan amount, would the remaining funds be enough to complete what we wanted to do with the land. I looked at my calculations and realized she was right. We would be short of funds to complete what we wanted with the land we were purchasing. I do appreciate Team Clemont for not only working with us in understanding and submitting all the required forms but also being concerned about us being able to finish what we wanted to do.
Yvette, Shari and the rest the team were absolutely great to work with. They were very patient, very accommodating, and handled any issues that we had. They explained every part of the process and made this whole experience stress-free and very pleasing. I would highly recommend anyone looking for mortgage services in the area to work with this team. You will not be disappointed — I can guarantee that. Ten out of ten experience. A-plus. Outstanding!
Yvette, Shari and the rest of the team were absolutely great to work with. They were very patient, very accommodating, and handled any issues that we had. They explained every part of the process and made this whole experience stress-free and very pleasing. I would HIGHLY recommend anyone looking for mortgage services in the area to work with this team. You will not be disappointed — I can guarantee that. Ten out of ten experience. A-plus. Outstanding!
My wife and I were close to paying off our home. Initially we were very nervous about obtaining a home equity loan. We had heard many stories about people losing their homes because they were unable to make the payments on a loan. Yvette and her team were always available to answer any and all questions concerning the loan process, and believe me there were a lot of questions. During the process it became clear to us that we were in the hands of some great and trustworthy people. My wife and I recently discussed the choice we had made to get a loan and we now believe, with confidence, that we made the right choice. This belief came about by working with Yvette and her team. The Milestone Completed process was a great idea once we learned it existed. We didn't have to make any calls and ask how the loan process was progressing, we simply had to wait for a text and e-mail alert that we had reached another milestone. We would just like to say to everyone involved with our loan, thank you guys for making a very scary process become just another step in achieving our goal.
I was a first time home buyer, so I had no idea what to expect going into this and didn't really have anyone to bounce ideas off of along the way. I found Yvette through a first-time homebuyer workshop with Rooted Communities (run by Laura Carter), reached out to her, and I'm so glad I did. Ryndie was great to work with — I got to see every single place I asked to see, and she was always professional, always easy to reach, with clear communication that never felt like too much. I never once felt like I was putting anyone out, even with all the questions I had. Yvette and the team were the same way. Everything was answered in a timely manner and explained clearly, and they let me know things I should've known but didn't even think to ask about. They tirelessly worked on my behalf and I really felt like they had my best interest in mind the whole time. They even helped me get down payment assistance. It's been over a month since I closed on my home and they're still answering my questions now that I'm getting used to being a homeowner. I don't think I could've asked for a better team. I love my new home — it's beautiful and comfortable, and it's my first one. Thank you, Team Clermont!
We had a complicated lending situation but Yvette steered us through without any issues. We were able to purchase our home with money leftover to do the renovations. She and her team are truly amazing.
Fasr closing
Going through the home-buying process for the first time, not knowing how things worked or what to expect, the NOVUS Team made everything seamless and enjoyable. I appreciate the clear communication throughout. Having an experienced and highly competent team behind me set my mind at ease. All communication was clear and professional, and I never sensed any unease or burden when asking many questions, both simple and complicated. Even after closing, the team still encouraged me to ask any questions as I got settled into my first home. Ryndie was amazing and kind — I got to see all the places I requested, and she tackled every issue and question with ease and competence. Thank you, Team NOVUS!!
The team was great. Very pleasant knowledgeable and made sure we got the things we needed. We are so grateful for all they did to help us get into our home.
Everyone in the office was great to work with — timely, caring, and knowledgeable. I would highly recommend them.
The team was transparent, great communications, knowledgeable, very helpful.