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Todd Novosel, Mortgage Lender NMLS #525347

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Columbus, OH
Todd Novosel, Mortgage Lender NMLS #525347

Providing opportunities for low rates, hassle free mortgages for buying or refinancing a home throughout FL, IN, MI, OH, PA, SC and TN.

As your mortgage lender, I will give you my best consistently. Give me a call to make your homebuying dreams a reality!

06/24/2026

Most homebuyers don't know this:

The day you close on your house can change how much money you need to bring to closing.

For example, let's say you close on August 3.

You may need a little more money upfront because you're paying interest for more days before your first mortgage payment starts.

Now, let's say you close on August 27.

You may need a little less money upfront because there are fewer days left in the month.

That doesn't mean a later closing date is always better.

You still have to think about the seller's timeline, your moving plans, and making sure everything is ready to close on time.

The big takeaway:

Don't pick a closing date without asking questions.

Ask your mortgage pro how that date affects your cash to close.

Even a few days can make a difference when you're already paying for a down payment, closing costs, movers, furniture, and everything else that comes with buying a home.

Want to see how it works?

Comment or DM me, and I'll help you run the numbers.

Powered by NFM Lending | NMLS #2893
| https://nfmlending.com/ | Equal housing lender

06/23/2026

Before closing, even small financial changes can have a big impact.

If you’re under contract, talk to your lender before making moves that could affect your loan.

06/22/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗝𝘂𝗻𝗲 𝟮𝟮, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝘄𝗲𝗿𝗲 𝘂𝗻𝗰𝗵𝗮𝗻𝗴𝗲𝗱 👍
Rates were volatile last week, moving higher on Wednesday after the Fed signaled policy rate hikes are likely this year, before falling back to end the week essentially unchanged. Markets were closed Friday for Juneteenth.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗺𝗼𝘃𝗲 𝗵𝗶𝗴𝗵𝗲𝗿 👎
For the first time in months, the conflict with Iran is no longer the biggest influence on mortgage rates. Markets are now focused on inflation concerns and the likelihood of Fed rate hikes. That could put upward pressure on mortgage rates, keeping them near current levels or pushing them higher.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
• The Fed: Last week's meeting included forecasts from many Fed officials that policy rates may need to move higher this year, with some members expecting more than one hike. New Fed Chair Kevin Warsh surprised markets by emphasizing the Fed's commitment to bringing inflation back to its 2% target rather than focusing on rate cuts. Mortgage rates are already pricing in the possibility of a Fed rate hike.
• Economic data: Thursday brings the Fed's preferred inflation measure, the PCE report, and Friday brings consumer sentiment data. Both could play a role in mortgage rates this week.

Powered by NFM Lending | NMLS #2893
| https://nfmlending.com/ | Equal housing lender

06/19/2026

Buying a home involves more than just the down payment.

Buyers should also be prepared for costs like earnest money, appraisal, inspection, and closing costs. Knowing what to expect up front can make the process feel a lot less overwhelming.

06/17/2026

In a competitive market, winning on your dream home is not always about offering the highest number. Preparation, timing, financing strength, and smart strategy can all matter.

A strong offer starts with:
🏠Getting pre-approved early
🏠Knowing your real budget
🏠Being ready to move quickly
🏠Keeping your finances stable
🏠Understanding what makes an offer more attractive overall

Reach out to me if you’re planning to buy and want to be ready when the right home comes up.

06/17/2026

Crazy how many people still think they need 20% down to buy a house.

I talk to people all the time who are waiting to save a huge amount of money before they even start the home-buying process.

Depending on your situation, there may be options available that require much less money down than most people realize.

Some programs may allow little down, and in certain situations, there may even be options with no down payment at all.

That’s why I always tell people:

The key is that it depends on your loan type, finances, goals, and the programs available to you. Don’t decide you’re not ready before talking to a lender.

A quick conversation can help you understand your options and what buying a home could actually look like for you. Before you spend years trying to reach a savings goal that may not even apply to you, find out where you really stand.

You might be a lot closer than you think. Send me a message or reach out if you have any questions.

Powered by NFM Lending | NMLS #2893
| https://nfmlending.com/ | Equal housing lender

06/17/2026

New 5.0-star Review: ""

06/17/2026

New 5.0-star Review: "Todd was absolutely outstanding throughout our entire home-buying process. As first-time homebuyers, there were many aspects of the mortgage process that were unfamiliar to us, but Todd took the time to walk us through every detail step by step. He explained everything clearly, especially the mortgage structure, loan options, and what to expect at each stage, which helped us feel confident and informed throughout the process. His communication was exceptional. He was always responsive, professional, and willing to answer questions whenever they came up, no matter how small. We never felt like we were navigating the process alone. Todd consistently kept us updated, proactively reached out when action was needed, and made what could have been a stressful experience feel smooth and manageable. We truly appreciated his patience, knowledge, and dedication to helping us achieve our goal of homeownership. We could not have asked for a better loan originator and would highly recommend Todd to anyone looking for a lender who genuinely cares about their clients."

06/15/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗝𝘂𝗻𝗲 𝟭𝟱, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝗹𝗼𝘄𝗲𝗿 👍
Rates started last week a little higher but ended lower after reports surfaced that a peace deal with Iran was close and could possibly be signed over the weekend. Even though both consumer and wholesale inflation continued to rise, markets largely expected those increases, so mortgage rates showed little reaction.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗺𝗼𝘃𝗲 𝗹𝗼𝘄𝗲𝗿 👍
With a peace agreement now in place and the Strait of Hormuz expected to fully reopen, oil prices have fallen and mortgage rates could continue to improve. The biggest test this week comes Wednesday when new Fed Chair Kevin Warsh holds his first Fed meeting and press conference.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
• The Middle East: The peace agreement is expected to be formally signed Friday, and the reopening of the Strait of Hormuz should help bring oil prices lower. That would ease inflation concerns and help mortgage rates improve over coming weeks.
• The Fed: Wednesday's Fed meeting could create some volatility in mortgage rates, especially during and after Chair Warsh's press conference as markets assess the Fed's outlook for future rate policy.
• Juneteenth: Markets and many mortgage companies will be closed on Friday.

Powered by NFM Lending | NMLS #2893
| https://nfmlending.com/ | Equal housing lender

06/15/2026

When people think about buying a home, they often picture the buyer, the real estate agent, and maybe the loan officer. But behind every closing is a full team helping move the process forward.

From the loan officer to the processor, underwriter, closer, marketing team, and operations team. Each role supports a different part of the journey. Homeownership is a team effort, and every step matters.

Address

1900 Polaris Parkway Ste 203
Columbus, OH
43240

Opening Hours

Monday	9am - 8pm
Tuesday	9am - 8pm
Wednesday	9am - 8pm
Thursday	9am - 8pm
Friday	9am - 8pm
Saturday	10am - 6pm
Sunday	10am - 6pm

Telephone

+16146474770

Website

http://www.toddnovoselmortgage.com/

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