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Home Purchase

A Conventional Home Loan Built Around Your Goals

Every buyer's situation is different. We will take the time to understand your goals, answer your questions and help you choose the best option for your needs and budget.

  • Down payments as low as 3% for eligible borrowers
  • Competitive conventional mortgage rates
  • Options for first-time and repeat buyers
  • A real loan expert from quote through closing

Start Your Free Rate Quote

Takes about a minute. No credit pull and no SSN needed for this step. It is a quote, not a commitment.

Start my rate quote

Which Loan Is Right for You?

Six routes to the same front door. We will help you compare them on the things that actually matter.

  • VA Loans

    No down payment and competitive rates for Veterans and military families, with expert, personal service.

  • FHA Loans

    Low down payment and flexible credit guidelines make home ownership more accessible for first-time buyers.

  • Conventional Loans

    Flexible terms and competitive rates, and often more affordable for buyers with strong credit.

  • Jumbo Loans

    Specialised financing for higher-priced homes that exceed standard loan limits.

  • USDA Loans

    0% down payment options for eligible rural and suburban buyers, with affordable terms.

  • Investment Property Loans

    Tailored financing for rental and income-generating properties.

A house at dusk with the porch light on

Why Novum Home Loans?

  • VA Loan Expertise

    Work with mortgage professionals who understand VA guidelines, entitlement and military homebuyers.

  • Real People, Not a Call Center

    Get direct access to your loan team throughout the process.

  • Know Your Options Upfront

    We'll walk you through your VA financing options so you can make an informed decision.

  • Guidance Through Closing

    From your Certificate of Eligibility to appraisal and closing, you'll know what comes next

How the Loan Process Works

We make buying a home clear and straightforward, with guidance at every step.

  1. Get a Rate Quote

    It starts with a clear, accurate quote. No credit pull and no SSN needed, and it takes about a minute.

  2. Get Your Pre-Approval

    A pre-approval letter helps you understand what you can afford, and you will need it to submit offers.

  3. Apply for Your Loan

    Once you have found your home we guide you through the paperwork, checking each step as it goes.

  4. Close With Confidence

    We keep you informed throughout, so there are no surprises at the table.

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What Our VA Borrowers Are Saying

Travis and the entire mortgage team at Novum Home Loans are incredible! They go above and beyond by hosting VA seminars for our clients, making sure they fully understand the process from start to finish. They're experienced, well-educated, and most importantly, they genuinely care. Their communication is top-notch, which is essential in a market that's constantly changing.
Natalie P.
We used Novum in 2024 to purchase a vacation home. I've used big banks and mortgage brokers in the past, and the experience with Novum was superior to all others in every way. We closed on the property within 30 days of signing the contract. Everyone involved was shocked at how efficient Novum handled the process from the start to finish.
Justin S.
Exemplary service. Our third home loan, and by far the simplest and most straightforward of the three. Outstanding communication throughout. Absolutely satisfied! Great outfit.
Dixon G.

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Answers

Questions? We’ve Got Answers.

Get the details you need to feel confident about your next step.

What credit score do I need?

Requirements vary by loan type, but many options are available starting around 580. We will help you understand your options based on your situation.

How much do I need for a down payment?

VA and USDA loans can offer 0% down. FHA loans start at 3.5%, and Conventional loans can be as low as 3% for certain buyers.

How long does it take to close?

Many purchases close in 30 to 45 days, though timing varies and we can often close in as little as two weeks.

Can you help with investment properties?

Yes. We can help you access loan programs designed specifically for rental and income-generating properties.

Do I need a Certificate of Eligibility for a VA Loan?

We can do this for you. We will need to confirm your eligibility with a Certificate of Eligibility, and our team handles the request.

Not seeing your question? Ask us. We answer these all day, and there is no wrong question. Call (210) 794-9511

Not Sure Which Loan Is Right for You?

That is what we are here for. Start with a quote and we will talk it through.

Start my rate quote

Equal Housing Opportunity

Novum Home Loans LLC. NMLS #2487386.

Other limitations may apply. Novum Home Loans LLC D/B/A Novum Home Loans. NMLS #2487386. Licensed in VA (MC-8089), GA (2487386), FL, CO, MD, OK (OK MB016151), AR (2487386), TX, and CA (60DBO-210614). For information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval.