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Joe Fowler

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Joe Fowler

Branch Manager

NMLS #385997

Ocala, Florida, null

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Joe Fowler joined Novus Home Mortgage in early 2021. Born and raised in Ocala, located in the heart of Central Florida, he has been involved in the local real estate industry for the last 20 plus years.

Joe has extensive experience as a producing branch manager and mortgage loan originator, helping families purchase homes with USDA, FHA, VA, & Conventional home loan products. He is also considered an expert in USDA loan origination. He was recognized by the 2012 Scottsman guide as the top USDA loan originator in the state of Florida and #16 nationwide on overall USDA volume.

Joe is an active real estate investor, developer, and rental property owner, and he oversees over 40 rental properties. His development company has successfully built and sold over 300 homes in Marion and Citrus county since 2017, showing his dedication to building community relationships.

The advantage of working with Joe is his vast knowledge of Florida's local real estate industry. His experience is what drives him to create a pleasant, smooth, and seamless transaction for you. He was in business long before the economic crisis in 2007/2008 and one of the very few that was able to continue originating loans in the Ocala area.

The Joe Fowler Team has been successfully making the dream of home ownership come true for thousands of families, and would love nothing more than to make that dream a reality for you and your family. Put the Trusted Joe Fowler Team to work for you on your next new home experience.

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.


  • FHA 580 FICO
  • FHA Standard
  • FHA High Balance
  • FHA 203k Streamlines
  • USDA
  • 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


  • Direct Freddie Mac
  • Direct Fannie Mae
  • Fannie DU Refinance Plus
  • Freddie Open Access
  • Fannie Homestyle
  • Fannie Mae Home Ready
  • Freddie Your Path
  • Ginnie Mae

Make your dream a reality

Get pre-approved online in under 20 minutes.

20935 Swenson Dr. Ste. 420, Waukesha, WI 53186

Toll Free (844) 337-2548.

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Equal Housing Lender. Novus Home Mortgage is a division of Ixonia Bank, NMLS #423065.

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