Novēm Lending

Novēm Lending Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Novēm Lending, Mortgage brokers, 100 Crescent Court Suite 445, Dallas, TX.

Founded on family values and driven by a relentless focus on our clients, we believe that lending is more than just numbers—it’s about people, legacies, and long-term success.

Buying a home is exciting, but making sure you’re protected during the process is just as important. 🏡That’s where conti...
05/28/2026

Buying a home is exciting, but making sure you’re protected during the process is just as important. 🏡

That’s where contingencies come in. These are conditions written into your contract that help protect you as a buyer if something unexpected happens along the way.

Here are 3 of the most common contingencies buyers should know about:

• Appraisal Contingency — Protects you if the home appraises for less than the agreed purchase price.

• Financing Contingency — Gives you an out if financing approval falls through before closing.

• Home Inspection Contingency — Allows you to negotiate repairs, request credits, or walk away if major issues are discovered during inspection.

Having the right protections in place can give you peace of mind throughout the homebuying journey. At Novēm Lending, we’re here to help guide you through every step of the process and make sure you feel confident before closing day.

This Memorial Day, we pause to honor and remember the brave men and women who gave everything in service to our country....
05/25/2026

This Memorial Day, we pause to honor and remember the brave men and women who gave everything in service to our country. 🇺🇸

Their sacrifice is the foundation of the freedoms and opportunities we enjoy today — including the ability to build homes, families, and futures.

From all of us at Novēm Lending, thank you to those who served and to the families who sacrificed alongside them. Wishing everyone a safe and meaningful Memorial Day.

05/21/2026

Most people buying a home make one critical mistake…

They only talk to a loan officer.

And a loan officer can only offer one solution: a loan.

But sometimes the smartest way to buy a home isn’t using a traditional mortgage at all.

In this video, Bob shares how he helped a client purchase a home without using a conventional mortgage by structuring a different strategy through Novēm Wealth.

Instead of forcing the deal into a standard loan structure, Bob evaluated the client’s entire financial picture and built a custom solution using securities-based lending combined with a negotiated cash purchase.

Why does this matter?

Cash offers often provide major advantages:
• Stronger negotiating power
• Potentially lower purchase prices
• Faster closings
• Better overall deal terms

This is the difference between working with someone who only sells loans…
and working with an advisor who can build a complete financial strategy.

Because when you own both a mortgage company and a wealth management firm, you’re not limited to one tool.

You can choose the strategy that actually makes the most financial sense.

At Novēm Lending, the goal isn’t just getting you approved for a mortgage.

It’s helping you structure the smartest way to buy the home.

Learn more:
NovemLending.com
NovemWealth.com

At NOVĒM Lending, we believe mortgages shouldn’t be one-size-fits-all.Every client has different goals, timelines, and f...
05/18/2026

At NOVĒM Lending, we believe mortgages shouldn’t be one-size-fits-all.

Every client has different goals, timelines, and financial situations — which is why we take an individualized approach to every mortgage strategy we create. Whether you’re purchasing your first home, expanding your investment portfolio, or navigating a unique financial scenario, our team is here to build solutions tailored specifically to you.

Individual mortgage strategies, for the individuals we serve.

Thinking about buying a home? 👀🏡If scrolling through home listings has become part of your daily routine and you catch y...
05/14/2026

Thinking about buying a home? 👀🏡

If scrolling through home listings has become part of your daily routine and you catch yourself slowing down to look at “For Sale” signs… it might be time to start the homebuying conversation.

Here are a few signs you may be ready for homeownership:

✔️ Your debt is manageable (or close to paid off)
✔️ You’ve built strong credit habits
✔️ You’ve started saving for a down payment or emergency fund
✔️ Your job and income feel stable
✔️ You understand the real costs of owning a home — taxes, insurance, maintenance, utilities, and more
✔️ You’re ready for more space and a place to truly call your own

The good news? You don’t need an 800 credit score or a massive down payment to get started. There are loan programs designed to help buyers at different stages of the journey.

At NOVĒM Lending, we help make the process simple, strategic, and personalized to your goals. Whether you’re just starting to explore or ready to make a move, we’re here to help guide you every step of the way.

Home is more than just a place — it’s where memories are made, traditions are created, and families grow together. And s...
05/10/2026

Home is more than just a place — it’s where memories are made, traditions are created, and families grow together. And so often, moms are the heart behind it all.

Today, we celebrate the mothers, grandmothers, and women who work tirelessly to create comfort, stability, and love for the people around them. Your impact reaches far beyond the walls of a home.

From all of us at NOVĒM Lending, thank you for everything you do to help build strong families and bright futures.

Wishing you a wonderful Mother’s Day filled with love, laughter, and special moments with family ❤️

Buying your dream home can feel out of reach when saving for a large down payment seems impossible. The good news? You’r...
05/08/2026

Buying your dream home can feel out of reach when saving for a large down payment seems impossible. The good news? You’re not alone — and you may have more options than you think.

For many buyers, especially first-time homebuyers, an FHA loan can make homeownership more accessible with lower down payment requirements and more flexible qualifying guidelines than conventional loans.

What Is an FHA Loan?

An FHA loan is a government-insured mortgage backed by the Federal Housing Administration (FHA). These loans are designed to help qualified buyers purchase a home with:

✔ Lower down payment requirements
✔ More flexible credit qualifications
✔ Easier debt-to-income guidelines

With an FHA loan, eligible borrowers may qualify with as little as 3.5% down.

FHA Loan Requirements

To qualify for an FHA loan, borrowers must meet several basic requirements:

The home must be appraised by an FHA-approved appraiser
The property must be your primary residence
Borrowers must occupy the home within 60 days of closing
The property must meet FHA minimum property standards
FHA Down Payment Requirements

Your required down payment depends on your credit score:

580+ credit score: As little as 3.5% down
500–579 credit score: Minimum 10% down

Down payment funds may come from approved sources such as:

Personal savings
Gifts from family
Approved investments
Mortgage Insurance Premium (MIP)

Because FHA loans are government-insured, borrowers are required to pay mortgage insurance premiums (MIP).

This may include:

An upfront mortgage insurance premium
An annual premium included in your monthly payment

The cost varies depending on your loan amount, loan term, and down payment.

FHA Loan Limits

FHA loan limits vary based on location and county. Loan limits are higher in more expensive housing markets and lower in more affordable areas.

Credit & Income Requirements

FHA loans are known for flexible credit standards, but lenders still review:

Credit history
Debt-to-income ratio (DTI)
Employment history
Income stability

Borrowers may be asked to provide:
W-2s
Tax returns
Bank statements
Why Buyers Choose FHA Loans

FHA loans continue to be one of the most popular financing options because they offer:

🏡 Low down payment options
🏡 Flexible credit requirements
🏡 Competitive interest rates
🏡 No prepayment penalties

Ready to Explore Your Options?

At Novēm Lending, we’re here to help make the home financing process simple and stress-free. Whether you’re buying your first home or exploring loan options, our team is ready to guide you every step of the way.

Contact us today to learn if an FHA loan is right for you.

05/06/2026

Creative financing can open doors that traditional lending sometimes can’t. 🔑 There’s no one-size-fits-all strategy when it comes to real estate financing — and that’s where having the right team matters.

Whether you’re purchasing your first home, upgrading, investing, or looking for alternative lending strategies, NOVĒM Lending is here to help you think beyond the basics.

If your credit, debt, or income is keeping you from buying a house, you may be tempted to have another person in a more ...
04/30/2026

If your credit, debt, or income is keeping you from buying a house, you may be tempted to have another person in a more stable financial position help with your loan application. A non-occupant co-client signing your mortgage along with you may be an option your lender offers, but there are a few things you should consider before choosing this option.

Just like any other loan, the cosigner agrees to take full responsibility for the amount borrowed for the mortgage, even if you decide to stop making payments. This makes it a very serious decision, especially for the person cosigning who will not live in the home.

Allowing a cosigner will vary lender-by-lender and is only available when using certain types of mortgages. If you are using a conventional loan, both parties will sign the loan documents but you can choose to have only the occupant owner on the home’s title. The lender will look at the credit score, DTI, and other factors for both people signing for the loan during the application and underwriting processes. For an FHA loan, both people will sign for the loan and be on the title. Additionally, only relatives or close friends are able to be cosigners on FHA loans. This includes parents, grandparents, children, siblings, aunt/uncles, in-laws, spouses or partners, and close friends (with additional documentation detailing the relationship).

If you are considering cosigning for a mortgage or asking someone else to cosign, here are a few points to discuss before moving forward.

Will the cosigner have access to the mortgage statements? This can help them track that the monthly payments are being made.

Will the lender send a notification to all parties when the monthly payment is made?
At what point will the cosigner step in to make the monthly payment if the primary occupant misses a payment? Having a couple of months of payments set aside in the event of an emergency can provide peace of mind.
How will the two parties communicate? Will this put a strain on their relationship?

For those traditionally employed, you will need to provide your pay stubs or W-2s to show your most recent earnings. Con...
04/29/2026

For those traditionally employed, you will need to provide your pay stubs or W-2s to show your most recent earnings. Contract employees can provide a 1099 form to show the same information. If you are self-employed, your previous few years’ tax returns will be needed to show a strong history of income. In general, self-employed and contract workers need to show a longer history of earnings because their income can fluctuate more.

You can also provide documentation of income earned through commissions, bonuses and overtime, military benefits, alimony and other court-ordered payments, investments and retirement accounts, and social security.

04/24/2026

We absolutely handle all the essentials—
✔️ Conventional
✔️ FHA
✔️ VA
✔️ Jumbo

But where we really stand out is in the strategy behind the financing.

💡 Securities-Based Lending is one of the most powerful (and underutilized) tools we offer.

Instead of selling off your investments to buy a home, you may be able to leverage your portfolio to access liquidity—often allowing you to:
• Make stronger, more competitive offers
• Avoid unnecessary capital gains taxes
• Move quickly in a competitive market
• Keep your long-term investment strategy intact

In today’s market, how you buy matters just as much as what you buy.

Whether you’re a first-time buyer or a seasoned investor, we tailor financing to fit your bigger financial picture—not just the transaction.

📲 If you’re exploring your options, let’s talk through the strategy first.

JumboLoans

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100 Crescent Court Suite 445
Dallas, TX
75204

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