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
Quick and simple
quick and efficient
Zack was absolutely sensational throughout our mortgage journey. He did such a great job educating me on each and every step of the process and was willing to drop anything and answer any questions I had regarding a specific item, different scenario, or even regarding our listing from his own personal experiences. He was an absolute treat to work with and I would highly recommend him.
Zack has been super helpful and communicative through the whole process. This is my third house and him and his team have made getting everything necessary much easier than I'm used to. He also has a wicked sense of humor and is a good, down to earth guy. Would definitely recommend
Hands down an amazing lender, was very helpful and knowledgeable. Would definitely recommend ⭐️⭐️⭐️⭐️⭐️
This was our first home and as a Barber, who gets paid in an unconventional way. Zack made it really easy to get through the approval process. I always gotta immediate responses from him. And everything was clear when I did get a response
We had such a great experience with Zack and the whole mortgage process. Zack was always quick to respond, kept us updated, and made sure we understood everything along the way. He made what could have been a stressful process feel really easy and smooth for us. We really appreciate how helpful and communicative he was and would definitely recommend him to anyone looking for a mortgage company!
We had such a great experience with Zack and the whole mortgage process. Zack was always quick to respond, kept us updated, and made sure we understood everything along the way. He made what could have been a stressful process feel really easy and smooth for us. We really appreciate how helpful and communicative he was and would definitely recommend him to anyone looking for a mortgage company!
I had a great experience with Novus Home Mortgage during my home purchase. Zack Disinger was knowledgeable, detailed, and communicated clearly throughout the entire process. Everything moved quickly, and he made the closing process easy and stress-free. I also appreciated that there was never any pressure or attempt to upsell me on unnecessary products or services. I would highly recommend both Novus and Zack to anyone looking for a mortgage lender!
I had a great experience with Novus during my home purchase. Zack Disinger was knowledgeable, detailed, and communicated clearly throughout the entire process. Everything moved quickly, and he made the closing process easy and stress-free. I also appreciated that there was never any pressure or attempt to upsell me on unnecessary products or services. I would highly recommend both Novus and Zack to anyone looking for a mortgage lender!
I honestly couldn’t have asked for a better loan officer than Zack. He was so easy to work with and was always on top of everything. Communication was huge for me, and Zack always answered any questions I had quickly and made sure I understood what was going on throughout the whole process. He worked incredibly hard to get my loan done as quickly as possible and made what could have been a stressful process feel so much easier. I truly appreciate everything he did for me and couldn’t recommend him enough. Best loan officer ever! If you’re getting a loan, definitely go with Zack!
Zack was great to work with! We are first time home buyers and he did a great job educating us on the whole process. The timeline was very clearly laid out and he did a great job explaining each step. He was always a text, call, or email away and would always answer fast. We would highly recommend working with him!
Zack was very informative, flexible, and a good communicator with a great personality. Loved working with him!
Zack was very caring and knowledgable. He has a gift for explaining complicated things in simple terms.
Bought my first home with Zack’s help! He was extremely educational and informative. I learned a lot about mortgages and overall house buying from him. He is also very flexible as well. I ended up changing directions on the house and he was very accommodating with all the changes! He is an excellent and quick communicator with a great personality, making him enjoyable to talk to. Can’t recommend enough!
Zack was extremely caring and well informed about all things financing! He answered all our questions in terms we could understand and was always available to help. It was clear that he cared about us as people and not just making a deal. Highly recommend!