No bait-and-switch. No buried fees. Just an honest rate with a clear explanation of what you’re getting and why
We experts in the VA Loan process. We can close loans faster than other lenders who don’t specialize in VA Loans.
Deep experience helping eligible Active Duty and Veterans use their VA Loan Benefit.
Dedicated reviews at each step in the process.
It starts with a clear, accurate quote – it’s not a commitment, no pressure to move forward.
Give us just enough info to build a personalized rate quote.
No credit pull, and no SSN needed for this step. Takes about a minute.
We’ll go over your monthly payment, cash-to-close, and details of your situation.
Gain confidence that you understand your numbers. We can give you advice over the phone, text or email – whatever works best.
When you’re ready, fill out an application so we can start your Pre-Approval.
You and your agent will need a Pre-Approval letter from a trusted lender to make an offer on the home you love.
Exemplary service. Our third home loan, and by far the simplest and most straightforward of the three. Outstanding communication throughout. Absolutely satisfied! Great outfit.
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.
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.
No down payment and competitive rates for Veterans and military families. We’ll guide you through the process with expert, personal service.
Low down payment and flexible credit guidelines make home ownership more accessible for first-time buyers. Even with questionable credit, this can work for you.
Flexible terms and competitive rates for a wide range of buyers. Conventional loans may be more affordable for buyers with strong credit.
Quick answers, clear guidance, and the VA details most lenders skip.
Learn more about the unique benefits of a VA loan and see if one is right for you.
Explore FHA, conventional, and jumbo options tailored to your needs.
(210) 794-9511
© 2026 Novum Home Loans LLC
Equal Housing Opportunity. Other limitations may apply. Novum Home Loans LLC D/B/A Novum Home Loans. NMLS #2487386. NMLS Consumer Access. 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.
FOR TEXAS CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.
THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.
CA 60DBO-210614 Licensed by the Dept. of Financial Protection & Innovation, under the CA Residential Mortgage Lending Act.
