Novus Home Mortgage
Work with Ryan Winslow, a licensed loan officer at Novus Home Mortgage. Get pre-approved online, explore loan options, and close faster with competitive rates and flexible terms.
Novus Home Mortgage is federally licensed through NMLS and offers loan products in all 50 states. Ryan Winslow is a licensed loan officer with expertise in helping buyers, sellers, and investors navigate financing.
Get transparent quotes, fast approvals, and loan structures tailored to your financial situation. Whether you're buying your first home, refinancing, or building an investment portfolio, we deliver straightforward guidance and competitive rates.
Your mortgage is one of the largest financial decisions you'll make. Work with someone who listens, explains your options, and closes loans on time.
Flexible mortgage solutions
30-year, 20-year, 15-year, and 10-year terms. Down payment options from 3% to 20% or more. Fully amortized mortgages.
FHA-insured mortgages for first-time and repeat buyers. Down payments as low as 3.5%. Flexible credit and income requirements.
VA-guaranteed loans for eligible military members, veterans, and surviving spouses. Zero down payment options. Competitive rates.
USDA-backed mortgages for rural and suburban homebuyers. Zero down payment options. Affordable rates for eligible properties.
High-balance mortgages exceeding conventional lending limits. Strong rates on loans from $500K to $5M+. Fast closings.
Non-qualified mortgage options for self-employed, investors, and borrowers with unique income profiles. Flexible documentation.
Debt Service Coverage Ratio loans for rental property investors. Loan decisions based on property income, not personal income.
Reverse mortgages for homeowners age 62+. Access home equity without monthly payments. Stay in your home.
Making homeownership affordable
Novus Home Mortgage works with down payment assistance (DPA) programs that help qualified buyers reduce their out-of-pocket costs. DPA programs offer grants and forgivable loans to eligible first-time and repeat homebuyers in many states and communities.
DPA programs vary by location. Income limits, credit requirements, and property types determine eligibility. Ryan can assess your situation.
Program funds are added to your mortgage or provided separately. Most programs have minimal restrictions and no repayment terms.
Ask Ryan about DPA options during your pre-approval conversation. Programs change frequently by state and county.
Quick reference calculator
ESTIMATED MONTHLY PAYMENT
$1,432
Principal & Interest (Taxes, Insurance, HOA Not Included)
This is an estimate. Your actual payment varies based on taxes, insurance, HOA fees, and loan type.
Know your buying power in minutes. Get pre-approved online or call Ryan to discuss your options.
386-690-5858
Available for questions about loan products, rates, and pre-approval.