Making Mortgage Lending Simple


Customers deserve a better experience - one that’s honest, transparent, and easy. With Novus, you have the ability to apply for your loan, verify income and assets, digitally review and e-sign disclosures, and submit necessary paperwork all from a mobile device. You're also able to stay informed through the entire loan process with mobile alerts and messaging. We put you first allowing us to find ways to reduce costs and create a better loan process.

Make your homeownership dreams a reality when you work with our experienced loan officers. Follow our step-by-step guide from your loan pre-approval, home search with your realtor, home appraisal, and insurance process to your mortgage close. These 5-steps layout the mortgage loan process to owning your new home and opening the door to a new world of possibilities.

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.

Happy couple in their new home
Our simple 5-Step Process to Your New Home

Loan Programs


  • Credit Flexible

  • Great Rates and Low Monthly Mortgage Insurance

There are countless reasons why an FHA loan might be right for you, but here at Novus Home Mortgage, we believe that these four features are what really sets FHA loans apart.


We make qualifying for a large loan straightforward, fast, and easy. At Novus Home Mortgage, our specialty is funding the dream of homeownership - no matter the size of the loan or dream - for that matter.


  • Flexibility

  • Save Your Money

Whether you are building, buying, or refinancing your home, a renovation loan allows you to add a room, remodel, and upgrade.


  • Let Your Home Take Care of You

  • Borrowers age 62+

Reverse mortgages were created specifically for senior homeowners, allowing them to make the most of the equity they have acquired in their homes.


  • No Down Payment

  • Finance up to 100%

A home loan from the USDA loan program, also known as the USDA Rural Development Guaranteed Housing Loan Program, is a mortgage loan offered to rural property owners by the United States Department of Agriculture.


  • Affordable, easy-to-understand

  • Long-term insurance-free

Novus Home Mortgage offers affordable, easy-to-understand VA Home loans in recognition of the contributions and sacrifices veterans have made for America.

Vacation/Second Home

  • Fixed, adjustable, and interest-only options

  • Identify your ideal mortgage

Get your Novus Home vacation home mortgage loan and make your dreams a reality - backyard barbeques and sunsets by the lake.

Down-Payment Assistance

  • Subsidize costs

Eligible borrowers may receive up to $15,000 in some counties. Borrowers who have not owned property in the past 3 years may be eligible.


  • No re-qualification

  • No Second appraisal

esigned for manufactured, modular, and stick built housing, this program offers an all-in-one financing option for construction, lot purchase, and permanent mortgage funding with one closing.


Buyers can use a conventional mortgage to purchase a one- to four-unit home, a condominium, modular or manufactured home as a primary, secondary or investment property.

184 Loans

  • Low down payments

  • Lower insurance rates

Federally recognized Indian tribes are eligible for specific loans made just for you: the Native American Home Loan or Section 184.

Non-QM Loans

  • True "Stated/No Income" Mortgage

  • Self Employed Bank Statement

  • Asset Only Qualifier

Non-QM loans are designed to serve borrowers whose financial profiles do not meet the criteria set forth for Qualified Mortgages.

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