James A Thom | Novus Home Mortgage

A focused strategy session to help you understand your budget, loan options, and current rates before starting your home search. We’ll review your goals, timeline, and financials so you can see what you qualify for and move forward with a clear plan.

If you’re exploring first-time buyer programs or down payment assistance and haven’t owned a home in the last 3 years, this is exactly where you want to start.

A working session to complete your mortgage application and prepare you for pre-approval. We’ll go through your details, outline what's needed, and make sure everything is set up correctly. Best for buyers ready to purchase within the next 90-120 days and looking for a formal pre-approval.

A strategy session for investment property financing, including DSCR and other non-traditional loan options. This is where we structure loans based on the property’s income, not your personal income or tax returns. We’ll walk through rental income qualification, LLC options, and how to approach your next purchase based on your goals, with solutions for self-employed borrowers and alternative income scenarios.

A review of your current mortgage to determine whether refinancing, adjusting your term, or keeping your existing loan makes the most sense based on today’s market and your goals. We’ll also look at options like cash-out refinancing or FHA and VA streamline programs where applicable.

A focused strategy session for medical professionals. Traditional lending doesn’t always account for factors like student loan balances, new employment contracts, or limited savings after residency.

We’ll walk through physician loan options, how income and student loans are evaluated, and what you may qualify for—so you can move forward with a clear plan.

A second-opinion session for borrowers who were turned down by another lender. Many loan denials come down to lender-specific guidelines, not always your ability to qualify. We regularly review scenarios from a fresh perspective. We’ll take a closer look at your situation, identify what led to the decision, and review alternative loan options that may still allow you to move forward. If a deal is at risk due to financing, this is the right place to get clear, honest answers about your options.

An introductory conversation for real estate professionals interested in building a reliable lending partnership. We’ll discuss your business, how we can support your transactions with consistent communication, speed, and transparency, and how we can create a strong, mutually beneficial working relationship.