Scott Beckwith Novus Home Mortgage

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Scott Beckwith Novus Home Mortgage Scott Beckwith is a seasoned mortgage professional with more than 30 years of experience in the mortgage industry.

NMLS #6551 | Equal Housing Lender | Novus Home Mortgage, a division of Ixonia Bank NMLS #423065

There's more than one type of insurance that can come up when buying a home, and they each serve a different purpose. 🏡P...
10/10/2026

There's more than one type of insurance that can come up when buying a home, and they each serve a different purpose. 🏡

Private Mortgage Insurance (PMI), homeowners' insurance, and title insurance may all be part of the conversation, but understanding what each one protects (and who it protects) can help make the homebuying process a little less confusing.

You don't need to become an insurance expert; that's what I'm for!

➡️ Have questions about the costs that come with buying a home? Let's break them down together.

The market is opening up for buyers. Cash offers are making up a smaller share of home sales, inventory is growing, and ...
10/09/2026

The market is opening up for buyers.

Cash offers are making up a smaller share of home sales, inventory is growing, and more sellers are adjusting their asking prices.

For financed buyers, that could mean less competition and more room to negotiate on things like closing costs, rate buydowns, repairs, and other offer terms.

If you've been waiting for a little more breathing room in the housing market, this could be your opportunity to make a move.

Are you ready for your first home? Don't assume there's only one way to finance it. 🏡First-time buyers may have several ...
10/08/2026

Are you ready for your first home? Don't assume there's only one way to finance it. 🏡

First-time buyers may have several financing options available depending on their qualifications, from Conventional and FHA to VA, USDA, and eligible down payment assistance programs.

➡️ Message me and let's explore options that make sense for you!

Buying the home is exciting. Adjusting to all the new expenses that come with it? That can take some planning.A temporar...
10/07/2026

Buying the home is exciting. Adjusting to all the new expenses that come with it? That can take some planning.

A temporary buydown may help qualified buyers ease into their mortgage payment by reducing the amount they pay monthly during the early years of the loan before transitioning to the full payment.

There are different structures available, including 1-0, 2-1, and 3-2-1 buydowns.

➡️ Message me to learn how they work and whether one may fit your situation.

Keeping an eye on your credit is a smart step when you are preparing for homeownership. 💳Reviewing your credit can help ...
10/03/2026

Keeping an eye on your credit is a smart step when you are preparing for homeownership. 💳

Reviewing your credit can help you understand where you stand, spot potential errors, and identify areas you may want to work on before applying for a mortgage. Checking your own credit is considered a soft inquiry and does not impact your credit score.

➡️ Thinking about buying? Let's talk about what you can do now to prepare.

One temporary buydown. Two years. Three years. There are different ways to structure that initial payment relief. 🔑1-0: ...
10/01/2026

One temporary buydown. Two years. Three years. There are different ways to structure that initial payment relief. 🔑

1-0: Reduced payment for one year.
2-1: Reduced payments for two years.
3-2-1: Reduced payments for three years.

After the temporary buydown period ends, you're responsible for the full monthly payment based on the note rate for the remainder of the loan term.

➡️ Every homebuyer's situation is different. Message me to learn more about eligibility and which options may be available to you.

Planning to spend your fall weekends touring homes? Before you find "the one," let's make sure you're prepared for what ...
09/28/2026

Planning to spend your fall weekends touring homes?

Before you find "the one," let's make sure you're prepared for what comes next. I can help you understand your financing options, buying power, and next steps so you can approach your home search with a plan.

Message me to start the conversation.

Condo financing is changing, and buyers should know what to expect. 🏢🔑 Updated guidelines are putting more focus on the ...
09/25/2026

Condo financing is changing, and buyers should know what to expect. 🏢🔑

Updated guidelines are putting more focus on the financial health and condition of the entire condo community, including stronger reserve requirements designed to help communities prepare for future repairs.

For buyers, that can mean fewer surprises, a stronger investment, and more confidence before closing.

Thinking about buying a condo? Connect with me to understand what these changes could mean for your financing options.

Address

707 Main Street
Branford, CT
06405

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+12036279812

Website

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