When Other Lenders Say No, We Find a Way.

Dallas–Fort Worth’s Mortgage Broker with 100+ Years of Combined Experience and the Loan Programs to Prove It.

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Why Novus Texas is Different

Most lenders can only offer you their own products. At Novus Texas, we shop dozens of lenders on your behalf to find the rate, terms, and loan program that best fit your unique situation. That independence means more options, more solutions, and more money in your pocket over the life of your loan. At Novus Home Mortgage, we don’t just take your application; we take your situation. Whether you’re a first-time buyer in Frisco, a veteran in McKinney, a self-employed borrower in Plano, or an investor building a portfolio across DFW, our team shops dozens of lenders to find the rate and program that actually fits your life.

Fast approvals. Transparent communication. And a team that doesn’t quit until you’re at the closing table.

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Conventional

Refinancing

DSCR + Investment Loans

FHA + VA + USDA Loans

Our teams expertise has always been paying attention to what our clients challenges are first. Making sure that we have a solution for them. Illustrating what the entire process will look like from beginning to end. And last but not least, transparent and fast communication to what is taking place during each part of the loan process with all necessary parties of the loan transaction. Every loan is a collaboration, and making sure each person is actively doing their part is how to successfully manage every loan.

Our Mortgage Loan Programs

A solution for nearly every situation.

We offer one of the most comprehensive loan menus in the Dallas–Fort Worth market, because no two borrowers are the same:

  • Conventional Loans – Competitive rates for qualified buyers
  • FHA Loans – Low down payment options for first-time buyers
  • VA Loans – Serving those who’ve served, with zero down payment options
  • USDA Loans – 100% financing for eligible rural and suburban properties
  • Jumbo Loans – High-value financing for luxury and higher-priced DFW properties
  • DSCR & Investment Loans – Qualify based on property cash flow, not personal income
  • Non-QM & Bank Statement Loans – Solutions for self-employed and non-traditional borrowers
  • Down Payment Assistance Programs – State, local, and national DPA programs available, including options for 0% down. If coming up with a down payment is the obstacle standing between you and homeownership, let’s talk — we’ll find every option available to you.
  • Refinance – Lower your rate, reduce your term, or access your equity with a cash-out refinance
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Today's Rates

Stay up to date with the latest mortgage and refinance rates. Compare options in real time and see how locking in the right rate today can save you thousands over the life of your loan.

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6 Steps to Buying Your First Home - Free Download

Get a clear, step-by-step roadmap to becoming a homeowner, with expert guidance from Novus Texas. This first-time homebuyer guide helps you understand your options, feel confident in your numbers, and move toward homeownership with less stress and more clarity.

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Diverse Loan Options

From conventional and FHA loans to VA and DSCR investment programs, we offer a wide range of financing solutions tailored to your goals. Explore flexible options designed to fit your lifestyle and budget.

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Customer Testimonials

I can’t say enough great things about Cullen Wainwright with Novus Mortgage. He made it possible for me to get approved for my first VA home loan when I honestly didn’t think it would happen. Cullen worked incredibly hard behind the scenes, explored every option, and stayed committed to making it work. He kept me informed throughout the entire process and was always professional and responsive. Thanks to his dedication and persistence, "I’m now a first-time VA homeowner. I highly recommend Cullen and the team at Novus Mortgage to anyone looking for a loan officer who truly goes above and beyond."

"Erin got it done for me when others couldn’t. She’s a straight-shooter- she helped me buy and refinance my first rental property, and I will definitely call on her in the future!"

"We had an incredible experience with Novus! Our Loan Officer, Ariel Carballo, was incredibly kind, responsive, and wonderful to work with. We would recommend Novus and Ariel to any of our close family and friends. Thank you, Novus!"

"Erin did a great job helping secure my first home. She was so polite. She encouraged me to ask a lot of questions and never made me feel like a burden for doing so. She was transparent through every step and made this process a smooth one. It was a relief having someone on my team who made it feel like they wanted me to achieve this dream as much as I did. I'm forever grateful for her service and dedication. Thanks to her hard work I purchased my dream home. Thank you Erin"

"In regards to my recent experience with Novus Home Mortgage, I received EXCELLENT customer service, especially from Loan Officer Cullen Wainwright, Cullen was very knowledgeable and forthcoming with ALL information required to direct me through the entire process, I have nothing but high praise for Cullen for he always kept me informed of the next steps needed to complete the process, and was always very cordial, so, I highly recommend the services of Novus Home Mortgage."

"Thanks to the Novus Mortgage Dallas team, my experience with buying my first home has been very informative and exciting. I will definitely be sharing her information with my family and friends so that they are able to own a home as well, thank you!"

"My wife and I were getting no where, until I came across Ariel Carballo from Novus Home Mortgage, he entered the game and was real with us since day one and got everything in order actually made it stress free . Without him we wouldn't have our home I highly recommend get with him efficient, fast responder. 10 out 10!"

"Working with Erin Waddell was an absolute pleasure. From start to finish, she was incredibly qualified, experienced, and easy-going while taking the time to explain every step of the process and thoroughly answering all questions my wife and I had. What could have been a demanding experience felt smooth and manageable because of her expertise. We highly recommend Erin to anyone looking for a trusted mortgage professional!"

"Absolutely the best. This is the best team a home buyer can ask for. They made everything extremely easy and communicated throughout the process."

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The Best Mortgage Company in Dallas TX