Mortgage Programs
Trusted Home Financing from Novus Texas. Our team combines local expertise with the power of Novus Home Mortgage’s nationwide network to deliver a transparent, modern, and client-first lending experience.
Mortgage Loan Programs
Conventional Loans
Conventional loans are ideal for borrowers with solid credit and reliable income. They offer competitive interest rates, flexible terms, and more choices than government-backed programs. For qualified buyers, these loans provide freedom and flexibility to finance a home with confidence.
FHA Loans
FHA loans are backed by the Federal Housing Administration and designed to make homeownership more accessible. They offer lower down payment options and flexible credit requirements, making them a great choice for first-time buyers or those rebuilding credit.
VA Loans
VA loans honor those who have served by offering eligible veterans, active-duty service members, and surviving spouses the opportunity to purchase a home with no down payment and favorable rates. This program makes homeownership more attainable for our nation’s heroes.
USDA Loans
USDA loans help qualified buyers purchase homes in eligible rural and suburban areas with no down payment required. These loans feature low interest rates and affordable terms, helping more families achieve homeownership outside major metro areas.
Jumbo Loans
Jumbo loans are designed for borrowers purchasing higher-value properties that exceed conventional loan limits. They offer competitive rates and flexible terms for those looking to finance luxury homes or investment properties.
DSCR & Investment Loans
Debt Service Coverage Ratio (DSCR) loans are created for real estate investors who qualify based on property cash flow rather than personal income. These programs make it easier to expand or diversify investment portfolios with efficient, income-based financing.
Refinancing Options
Refinancing allows homeowners to lower their interest rate, reduce their monthly payment, or access their home equity for other financial goals. Our team helps you review your options and choose the best strategy to maximize your savings and long-term stability.
First-Time Homebuyers
Buying your first home is a major milestone, and we make it easier with programs designed for new buyers. Our team guides you through every step, from pre-approval to closing, while helping you explore down payment assistance and affordable loan options.
Corporate Benefits
Our corporate lending programs allow employers to offer valuable home financing benefits to their teams. We provide education, relocation support, and exclusive lending opportunities that promote financial wellness and simplify the homebuying process.
