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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

Younger woman in her new home

Home Purchase Loans

Expert guidance through the home buying process
Young family with children in new home

Refinancing Options

Solutions to lower your interest rate or monthly payments
Younger couple starting out in first home

Personalized Consultations

One-on-one meetings to discuss your financial goals
Family outside just sold new home

Loan Program Guidance

Detailed explanations of different loan programs available

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.

Younger couple in new home with plants

Proudly Giving Back

We volunteer, sponsor local events, and support programs that strengthen our community.
Older couple walking into new home

Local Food Drives

We partner with local food banks to fight hunger, sponsoring community drives that help families in need.
Couple enjoying move-in day in new home

Youth Sports Sponsorships

We’re proud to support local youth sports programs, helping kids build teamwork, confidence, and lifelong skills both on and off the field.

Estimate your mortgage

See estimated monthly payments based on your loan details. Compare scenarios to find what best fits your budget.

$

5%

1%

5%

0%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly PMI $0

$

5%

1%

5%

$
$

$1421

Monthly FHA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Up-Front MIP (1.75%)$0

Monthly Mortgage Insurance $0

$

0%

5%

1%

$
$

$1421

Monthly VA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Purchase Price $1421

VA Funding Fee $1421

Amount Financed $1421

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$
$
$
$
%

You can afford up to

$

Monthly Payment $

Principal & Interest $

Tax $

Insurance $

$
%
months
$
%
months
$

Refinancing could save you

$/month

New monthly payment $

Refinance fees $

Lifetime Savings $

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.

Younger woman in her new home

Get Pre-Approved

A Novus pre-approval gives you a clear idea of what you can afford, helps you understand your loan options, and strengthens your offer when it is time to make a move.
Unboxing and move in day

Explore Your Loan Options

From conventional, FHA, VA, and USDA loans to Non-QM, jumbo financing, and down payment assistance programs, we help you compare options and choose the one that fits your goals.
Younger couple starting out in first home

Find the Right Home

With your pre-approval in hand, you and your real estate agent can focus on homes that match your budget and priorities. Your loan officer stays connected throughout your search to answer questions and offer guidance.
New couple in home during move in day

Apply and Submit Documents

Our technology makes it easy to apply, upload documents, and see what’s next. Your loan officer will walk you through exactly what is needed and help you stay organized to keep your application on track.
First time homebuyer with my new home sign

Processing and Underwriting

Our team reviews your file, verifies your information, and prepares your loan for underwriting. Underwriting is the step where a loan expert reviews your financial details to make sure everything meets the guidelines for your loan. We keep you updated throughout the process and let you know if anything else is needed to keep your loan moving.
Family outside just sold new home

Closing, Getting Your Keys, And Beyond

Once your loan is cleared to close, you’ll sign your final documents and celebrate becoming a homeowner. Your Novus loan officer is here for you long after closing, whether you need answers, updates, or help with future financing.

Real Stories from Real Owners

Thank you to Chris, Julie, and the entire Galli Mortgage Team for helping me buy my second home in Lakewood Ranch, FL. Not only did Chris help me find the property, Chris and his team walked me through the entire process and it was a positive experience! I will definitely refer him to everyone I know! Michelle N., San Jose, CA
Michelle Nguyen .
February 13, 2026
I want to thank Chris and his team for helping me purchase an investment property. My experience with them was above all the rest! This is my 5th property purchase and the smoothest transaction by far! I will be using Chris as my go to mortgage lender from now on. Stephen A. – Worcester, MA
Almighty Machine .
February 13, 2026
Chris, Julie and Rosa were very helpful in helping me purchase my vacation home in Florida! I am grateful for their expertise and so happy we closed quickly, so I could use it and get away from the extremely cold weather in Massachusetts! They were available all hours of the day accommodating my work schedule and answered all my questions immediately. I will definitely use them again and will refer them to my friends and family. Thank you again! Mary – Webster, MA
Mary Miller .
February 13, 2026
Chris is a great professional and an even better person. His knowledge of the industry is second to none. The way he prioritizes his buyers is exemplary. I can't say enough about the manner in which he carries himself; he's a subject matter expert whose main focus is to make everyone involved with the homebuying process feel at ease. Chris is awesome.
Jose Brador Jr. .
February 12, 2026
Chris and Julie Galli are extremely knowledgeable as they are investors themselves. They walked me through the different products for my most recent investment purchase. It was a very quick and simple process. The rate was lower than expected and I will be using them again in a few months for my next investment purchase. Thank you to The Galli Team!
Rosa .
February 10, 2026
Great work, quick responses and always available when needed!
Cole Victor Ian S.
Winter Haven, FL
January 7, 2026
Overall, I had a great experience from start to finish. Chris went above and beyond to get my loan processed quickly. He was knowledgeable, prompt and personable. Chris explained everything and answered all of my questions. I couldn't of asked for a better experience.
Kristen C.
Sarasota, FL
January 1, 2026
I had an overall great experience when working with Chris and his team. They were very accommodating and informative when explaining things to me or asking for further documentation. They were very transparent in the home buying process when working with them was easier and less stress than I expected it to be. I am so glad that I chose to work with them and I am so grateful for the experience and then helping me get Approved for my home!
chelsea unwin .
December 29, 2025
The home buying process when working with Chris and his teams was amazing. It was easier than I expected it to be, and he was very helpful with explaining things to me and making sure I always understood the process I was going through. The app was also extremely helpful to upload documents communicate through and see where I was at in the process. Overall, I am so happy with everything and very grateful for this experience working with them!
Chelsea Raylene P.
Winter Haven, FL
December 29, 2025
The entire team worked well together and was there every step of the way. They answered all kinds of questions we had and were very thorough
Chandavy H.
Lowell, MA
December 23, 2025
On it! Quick response, reliable, and committed. Thanks.
Juan Pablo T.
Bradenton, FL
December 23, 2025
Mary and the whole team were excellent to work with. Very grateful for their hard work and dedication!
Robert W.
Largo, FL
December 22, 2025
Chris and crew were great about answering my questions and concerns.
Michael David C.
Parrish, FL
December 20, 2025
Amazing experience! Couldn’t have asked for a better team! Thank you Galli Team
Sam .
December 17, 2025
Amazing experience all around! From start finish Chris and his team took the best care of us!
Samuel B.
Parrish, FL
December 17, 2025
I was always able to call and get my questions answered and made this process stress free.
Amanda L.
Cape Coral, FL
December 15, 2025