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
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
Upen was extremely helpful throughout my home purchase process. He was a strong advocate for me and I am greatly appreciative of that as it is often necessary in these types of transactions. He answered my call nearly every time I dialed him. The times that he didn’t, he returned the call very quickly. Communication is so important during a home purchase. Upen exceeded my expectations! I will be using Upen again in the future!
Upen and his team got me across the finish line to closing on my home when another lender couldn't. I had a lot of earnest money invested in the deal so Upen saved me from a huge financial loss. I realky really wish I started the process with Novus because it was by far smoothest home purchase I've ever had.
This is our third time working with him, and every experience has been seamless. He’s knowledgeable, responsive, and always keeps us informed throughout the entire process. He makes what can be a stressful experience feel organized and straightforward. We truly trust his guidance and highly recommend him.
As an experienced Real Estate Broker of 10 years, it was such an absolute pleasure to partner with Upen on a real estate transaction. He saved my client from losing the home of her dreams. I will forever be grateful for his expertise and professionalism. My client was previously denied by another lender, and Upen was able to final approve her in less than two weeks! Thank you so much Upen.
Upen was fantastic to deal with throughout the entire home buying process. He was an expert on mortgage offerings and even let me know of a better product that became available before closing! He dealt with all the curveballs that the seller and I threw his way like a professional with ease, and was always available by phone when something came up. I cannot recommend Upen highly enough.
Upen is incredible. I shopped around but it was a waste of time. His responsiveness, knowledge, and advice was invaluable
Upen was fantastic to deal with throughout the entire home buying process. He was an expert on mortgage offerings and even let me know of a better product that became available before closing! He dealt with all the curve balls that the seller and I threw his way like a professional with ease, and was always available by phone when something came up. I cannot recommend Upen highly enough.
My experience with Upen was fantastic! I started my journey with a different lender that couldn’t deliver with my unique needs as a 1099 contractor. With 5 figures of earnest money on the line, Upen had me cleared to close in 2.5 weeks with a DTI below the original lender’s threshold. His team took the time to really analyze my financials as it relates to tax shelters and not using them to punish you in the home buying process. If you’re a healthcare provider looking for a lender that really understands the ins and outs of how a 1099 worker navigates then go to Upen Patel. I’ve purchased several homes with physician lenders and this was the easiest underwriting process ever!!
Upen is extremely knowledgeable, personable and timely. We were kept abreast of the loan process in every detail and any questions we had were answered promptly. I highly recommend Upen and we intend to ask him to help us refinance our current loan!!
The absolute BEST! Would recommend 100%. Upen is extremely prompt, professional, thorough, and client oriented.
The absolute BEST! Would recommend 100%. Upen is extremely prompt, professional, thorough, and client oriented.
Upen was outstanding from start to finish ( and beyond). Extremely professional and responsive, he was always available when I needed him and offered flexible scheduling. Always accessible via text or a quick phone call which made the process even more manageable. He presented the mortgage process clearly, step-by-step, and answered every question with confidence and expertise. If you want a lender who understands the full home-buying journey , taking into account your own personal needs (and listens) and makes it painless, he’s the one to call. Thank you Upen!!!
Above and beyond mortgage lender! My advisor Upen Patel has been extremely helpful in guiding and securing mortgages on home and investment properties for me. Highly knowledgeable and professional. The company truly wants to help you achieve your real estate goals. I previously had been very frustrated with other banks and lenders, but Mr Patel and Novus were very insightful and advised me throughout the whole process. I highly recommend!
Upen helped us all the way through getting a loan. He was extremely responsive, proactively helpful, and authoritative. I would absolutely endorse him as a lender to go with. In the last I’ve dealt with the big corporate outfits – this was a friendlier and even slightly smoother experience. The Novus website was reliable and easy. We even closed early. A great experience all round
I had a great experience working with Upen. He was able to work with our unique financial situation and work on an expedited timeline for closing. He was extremely responsive and helped keep us on track. Highly recommend.
I had a great experience working with Upen. He was able to work with our unique financial situation and work on an expedited timeline for closing. He was extremely responsive and helped keep us on track. Highly recommend.