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
After my divorce, I never thought that I'd own a house again. My credit score plummeted and although I have a really great job, I just never saw me being able to buy again. Maria contacted me and said if we do these 4 or 5 steps we can get your score up to where I can get you bought. She gavenme step by step instructions that I followed andnwithin a month or so I was closing on a house.
She did excellent and more! Highly recommend her for making the process as smooth as possible and helped us get through so much obstacles!
Helped me buy our first home! Made the process so easy and smooth!!
Maria was great to work with and she guided me through the whole process as a first time homebuyer!
Maria was very helpful and patient with me while I was navigating the home buying process as a first time homebuyer. I will recommend her to anyone I know looking for a home!
Great communication
My wife and I cannot say enough positive things about Maria. She was very communicative, persistent, and informative throughout the whole process. She guided us every step of the way and answered every question we had as first time home buyers. Highly recommended.
I can’t say enough great things about you Maria an the experience you gave me throughout the entire process. From start to finish, you were absolutely amazing. You made what could have been a stressful and overwhelming process feel incredibly easy and straightforward. Im I'm thankful that I had you there to guide me through it. You truly went above and beyond, and I couldn’t have asked for a better loan officer. Thank you so much for everything you did for me and my family. I genuinely appreciate all of your hard work and would recommend you to anyone looking to purchase or refinance a home. Five stars without a doubt!
Maria did amazing, the whole process just took forever and it was exhausting
Maria is an excellent Loan officer and was so patient with us. She walked us through the whole process and even followed up after our closing. We would HIGHLY recommend her. Thanks for a great experience!!!
Maria was beyond incredible in her role of us buying our home. We were educated, supported, and truly wanted us to not just have a house , but a home. She became like family and I look forward to working with her with any future mortgage wants we will have. THANK YOU MARIA.
Maria Klima at Novus went above and beyond in every aspect of the mortgage process. She was so helpful and informative every step of the way! The online access portal Novus provides is user friendly and kept us updated all the way through closing. Purchasing a house and getting a mortgage can be stressful, but Maria really made it so much easier. This was the smoothest mortgage process I’ve ever experienced and we closed in 30 days. I highly recommend both Maria and Novus!!!
Maria was wonderful to work with. Extremely friendly, helpful, and reliable through the whole process of buying and selling a house. I'd 100% recommend her to anyone and would use her again in a heartbeat if I was doing it all over again.
Maria has been helping us along the house buying journey for nearly 2 years at this point. She gave us the roadmap to our dream home and we couldn’t be more thankful!
Maria was beyond a phenomenal and crucial part of our process in buying a home. We knew nothing about it, and she not only educated us, but empowered us in each step of the process. Thus we feel so sure and secure in our decisions, and she feels more like family at this point. She is the best version of this profession we could have hoped for. THANK YOU Maria for all of the work and support you put into us owning a home.
I originally reached out to Maria Klima at Novus Home Mortgage just to ask a few questions, fully expecting that homeownership was a few years away for us. To our surprise, Maria called back immediately and truly worked with our unique situation. She found creative ways to make buying a home possible for us much quicker than I ever thought imaginable!Throughout the entire process, Maria was incredibly flexible. She is an absolute genius when it comes to navigating obstacles and figuring out solutions to any problems that arise while home shopping. her patience advice and guidance meant the world to us!