Kayla Tarabay
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
👍👍👍👍👍👍👍👍👍👍
Kayla was amazing! Thank you for helping me remove Ashley from my loan and making the whole process so easy. I truly appreciate all your help and would highly recommend you! Wishing you the best!!
Kayla was absolutely wonderful to work with throughout our home‑buying process. As first‑time buyers, my husband and I had countless questions, and she never once made us feel silly for asking. She was incredibly responsive, explained everything in a way we could easily understand, and guided us through each step with patience and clarity. Beyond the mortgage details, Kayla supported us through the emotions and fears that come with buying a home. She helped calm our anxiety, reassured us when things felt overwhelming, and made the entire experience feel manageable. We always felt we were in the best hands and confident that she secured the best deal for our situation. We’re so grateful for her expertise, kindness, and dedication. Highly recommend Kayla to any buyers looking for someone who truly cares.
Overall, we had a wonderful experience with Kayla, she kept us in the loop the whole process through. She was very responsive to everything we requested more information on and she was diligent about getting us approved. Having everything be digital allowed for us to be able to review in real time the process and sign paperwork. This was a much easier process than our previous house purchase. Overall, I would certainly use her again for any future needs.
Kayla was very willing to be consistently responsive to our needs throughout the whole process. Also having everything available to us online to sign made the process so much smoother our previous home purchase.
Kayla was absolutely amazing to work with. She is extremely knowledgeable. She ensured I had full comprehension through every step. She provided the best experience. I will recommend to Kayla to everyone I know or meet in their home buying hourney journey!
Reaching our goal for financing
Kayla worked with me through the purchase of my first home. Everything was super easy and she answered any question I had in a way that was not complicated to understand. People say buying a home is a stressful process but working with Kayla was anything but that. I would recommend working with her and Novus if you are looking at buying a home.
Kayla worked with me through each part of the process. I never felt overwhelmed and she answered any questions I had. The submitting of documents and signing of them was also super easy.
Kayla always responded to my calls and was there all the way through. Great team!
Kayla was amazing and did a fantastic job assisting us as first one home buyers. Highly recommend.
Ability to get the mortgage approved
we will always recommend Kayla!!
Kayla is an exceptional business partner to have in your corner! She is extremely organized and diligent, paying close attention to detail around all aspects of getting her clients to the finish line. There is no better support then Kayla!
So thankful For Kayla for making it possible for me to buy our home. She put months of work in to get us our loan. Kayla was always available, always communicating, and always honest in every step of the way. Without her guidance and work i wouldnt be a home owner. I never thought as a single mom of 4 that I could accomplish this hit with Kayla's help we did it! She is now our life long mortgage lender and we would suggest her to anyone looking to buy a home.
Kayla is very personable and makes you feel comfortable throuout the process. She was always informative about what was needed and when. You can relax as she guides you through the process right to close. Professional through and through.