Eric Pederson
Simple. Digital. Smart.
Since 2001, I have been helping individuals and families across the Twin Cities metro area with their home financing needs. Much has changed in the mortgage industry over the years. Today, it’s imperative for a mortgage banker to have the underwriting experience and knowledge to help a customer successfully navigate the loan approval stage of the process. Much of that success relies on effective consultation at the time of application. My experience as a former underwriter and a loan originator allow me to better educate and execute for my clients during application, approval, and closing. I enjoy working closely with my referral partners to achieve the same goal, which is helping to ensure a more enjoyable experience and an on time closing.
Our Why
No matter where you’ve been, there really is no place like home. And for most of us, homeownership is a huge part of the American Dream. Whether you dream about owning your first home or your third, we want your dream to become a reality—which is why we’ve made buying a home easier than ever.
Our How
We have experienced loan officers, sure to make the process easier for you. We also use the latest technologies to remove or diminish the typical paperwork and speed up the process. Plus, we guarantee we’ll close your loan on time. In short, we’ve created a smarter, simpler way to get a mortgage.
Loan Programs
Novus Home Mortgage, a division of Ixonia Bank, offers the most diverse set of loan products in the industry. No matter what situation you may face, we set you up for one thing: to help a family get into a home.
Novus Home Mortgage has the product mix for every customer.
Government
- FHA 580 FICO
- FHA Standard
- FHA No FICO
- FHA High Balance
- FHA 203k Streamlines
- USDA
- VA IRRRLs
- VA Purchase
- FHA No Down Payment
Niche Programs
- ITIN
- Fresh Start
- Bank Statement
- Homeowner Access
- Foreign National
- Non-Warrantable Condo
- Non-Prime
- Portfolio Select
- Doctor Loan Program
- Jumbo Loans
Conforming
- Direct Freddie Mac
- Direct Fannie Mae
- Fannie DU Refinance Plus
- Freddie Open Access
- Fannie Homestyle
- Fannie Mae Home Ready
- Freddie Your Path
- Ginnie Mae