Mortgage Lending Services — Powered by Novus Home Mortgage
Ryan & Megan Winslow help clients find the right loan program for their situation. Combined real estate and lending expertise, all in one place.
Table of Contents
Why Choose Us
When you work with Ryan & Megan Winslow for mortgage lending, you’re getting a unique advantage: combined expertise in both real estate and lending. This isn’t just a mortgage business—it’s a complete real estate partnership backed by Novus Home Mortgage.
Dual Expertise
Real estate brokerage combined with mortgage lending. We understand the full transaction from both sides, ensuring you’re positioned to win in competitive markets.
One–Stop Shop
Coordinate your home search and financing with the same trusted team. Streamlined communication, consistent guidance, and faster closing timelines.
Novus Backing
Access to Ixonia Bank’s resources and loan programs. Competitive rates, flexible underwriting, and experienced loan officers focused on your success.
Nationally Licensed
Federally licensed through NMLS to originate mortgages in all 50 states and U.S. territories. Whether you’re buying locally or relocating anywhere in the country, we’ve got you covered.
Personal Service
Direct access to Ryan & Megan throughout your lending process. No automated systems or rotating loan officers—just personalized attention from start to finish.
Down Payment Support
Deep knowledge of state and local down payment assistance programs. We help you access grants and programs you might not find elsewhere.
Free pre-approval in as little as 24 hours
Loan Programs Overview
Novus Home Mortgage offers a comprehensive range of loan products to match your unique situation. Click any loan type to learn more or explore guides designed for your specific needs.
Conventional Loans
The most common loan type, offering competitive rates and flexible terms for borrowers with solid credit.
- Down payment: 3–20%
- Credit score: 620+
- PMI drops at 80% LTV
- Fixed & ARM options
FHA Loans
Government–insured loans designed for first–time buyers and those with lower credit or down payment.
- Down payment: 3.5%
- Credit score: 580+
- MIP required for life (if <10% down)
- More flexible underwriting
VA Loans
Zero–down mortgages for eligible veterans and active–duty military. No PMI, competitive rates, and superior terms.
- Down payment: $0
- No PMI required
- Military & veterans only
- Flexible credit requirements
USDA Loans
Rural property loans with zero down payment for eligible borrowers. Great rates and flexible credit terms.
- Down payment: $0
- Rural properties only
- Income limits apply
- No PMI (RD mortgage insurance)
Jumbo Loans
For luxury and high–value properties exceeding conforming loan limits. Premium properties deserve premium service.
- Loan amount: >$766,550
- Credit: 700+ preferred
- Down payment: typically 10%+
- Portfolio & investor options
Non–QM & Bank Statement Loans
Designed for self–employed borrowers, gig workers, and those with non–traditional income documentation.
- Bank statement qualifying
- Self–employed friendly
- Alternative income documentation
- Flexible credit considerations
DSCR Investment Loans
Qualify based on rental income for investment properties. Streamlined process for rental property portfolio expansion.
- Rental property financing
- Qualify on rental income (DSCR)
- Multiple property options
- Investor–focused terms
Renovation Loans
Finance the purchase and renovation in one mortgage. Perfect for fixer–uppers and properties needing updates.
- FHA 203(k) programs
- Fannie Mae HomeStyle
- Construction financing
- Single closing process
Reverse Mortgages (HECM)
For homeowners age 62+. Access home equity without monthly payments. Flexibility and security in retirement.
- Age 62+ homeowners
- No monthly payment required
- Access home equity tax–free
- Retain home ownership
Down Payment Assistance Programs
Across our four primary service states (and available in all 50 states), we help buyers access down payment assistance grants and programs that reduce barriers to homeownership. Programs vary by state, county, and property type. Contact us for current availability and eligibility requirements.
Florida
- Florida Housing Finance Corporation: FL HLP (Homebuyer Loan Program) and FL Assist (assistance programs) offering grants up to $25,000+
- Hometown Heroes Program: Up to $35,000 DPA for firefighters, police, teachers, healthcare workers, and other essential workers
- SHIP Programs: State Housing Initiatives Partnership grants through county programs, typically $5,000–$15,000
- Local DPA: City and county-specific programs in Tampa, Miami, Orlando, Jacksonville, and other areas
Massachusetts
- MassHousing DPA Program: Up to $50,000 in downpayment assistance in certain regions (Boston Metro area, secondary markets)
- ONE Mortgage Program: MassHousing’s flagship program with competitive rates and DPA options up to 3%
- Mass Housing Partnership: Local nonprofit partnerships offering grants and favorable loan products
- Municipal Programs: Many Massachusetts cities offer local DPA and first–time buyer incentives
Connecticut
- Connecticut Housing Finance Authority (CHFA): DPA programs offering up to $20,000 assistance for qualified borrowers
- Time to Own Program: CHFA’s first–time buyer program with favorable rates and downpayment assistance
- DAP Loan Program: Down Payment Assistance Loan through state programs
- Community Development Corporations: Local CDCs offering grants and favorable terms in various communities
Rhode Island
- RIHousing First Down Program: Up to $17,500 in assistance for first–time homebuyers
- Extra Assistance Program: Additional support for buyers in targeted areas
- Flexible Underwriting: RIHousing programs feature credit–friendly terms and reduced documentation
- Community Partnerships: Nonprofit partnerships for enhanced down payment support
Important Note: Down payment assistance programs change frequently, and eligibility requirements vary by property type, borrower profile, and location. Contact Ryan at (386) 690–5858 or ryan@winslowloan.com to discuss current program availability and your specific situation.
We’ll match you with available DPA programs in your area
The Pre–Approval Process
Getting pre–approved is the first step toward buying with confidence. Here’s what to expect:
Initial Consultation
Free 15–minute call to discuss your goals, timeline, and financial situation. No obligation.
Application & Documents
Complete a mortgage application and gather required documentation (see list below).
Credit & Program Review
We review your credit, income, and assets to match you with the best loan program.
Pre–Approval Letter
Receive your pre–approval letter (typically 24–48 hours). You’re ready to make offers!
Start Shopping
Begin your home search with confidence. Your pre–approval strengthens offers in competitive markets.
Documents to Gather
Having these ready speeds up the process:
- Recent pay stubs (last 2–3 weeks)
- W–2s (last 2 years)
- Tax returns (last 2 years)
- Bank statements (last 2 months)
- Investment account statements
- Photo ID and Social Security card
- Employment verification letter (if self–employed)
- List of debts and monthly obligations
Takes less than 15 minutes to apply online
Current Market Snapshot
Interest rates fluctuate daily based on market conditions. Below is an approximate snapshot as of March 2026. Contact Ryan for today’s current rates.
| Loan Type | 30–Year Rate Range | Notes |
|---|---|---|
| Conventional 30–Year | 6.5% – 7.0% | Market–dependent; rate locks available |
| FHA 30–Year | 6.0% – 6.5% | MIP costs included; flexible terms |
| VA 30–Year | 5.5% – 6.0% | No PMI; veteran–exclusive benefits |
| Jumbo 30–Year | 6.75% – 7.25% | Luxury properties; premium service |
Rates change daily. Additional points, fees, and loan–specific terms apply. Contact us for personalized rate quotes and locking strategies.
First–Time Homebuyer Programs
Buying your first home is a major milestone. Novus and Winslow Homes offer specialized support:
First–Time Buyer Benefits
- Lower Credit Requirements: FHA loans start at 580+ credit scores; we work with many first–timers in the 600–650 range
- Down Payment Assistance: State programs can reduce or eliminate your down payment (see DPA section above)
- Lower Interest Rates: First–time buyer programs often feature rate discounts
- Education & Guidance: We walk you through homeownership costs, mortgage terminology, and what to expect at closing
- Flexible Underwriting: First–time buyer programs recognize your unique situation and may overlook minor credit blemishes
Common First–Time Buyer Misconceptions
- “I need 20% down to buy:” False. FHA and VA loans require 3.5% or $0 down. Down payment assistance can help you qualify with less.
- “My credit score is too low:” Many programs work with scores in the 580–650 range. We’ll explore options.
- “I can’t afford closing costs:” Lenders credit, down payment assistance programs, and seller concessions can cover much or all of closing costs.
- “I should buy as much house as possible:” Buy what you can afford comfortably, leaving room for property taxes, insurance, HOA, and maintenance.
- “I need to get married before buying:” Single buyers are welcome. Loan programs are available for individual borrowers.
How Novus Helps First–Time Buyers
Ryan & Megan provide guidance on the entire process: finding the right loan program, maximizing down payment assistance, understanding true affordability, and navigating the negotiation and closing processes. You’re not alone in this journey.
Special programs available — we’ll guide you every step
Refinancing Options
Own a home and looking to save money or adjust your mortgage? Refinancing might be right for you.
Rate–and–Term Refinance
The most common refinance type. You replace your existing mortgage with a new one at a lower interest rate or different term (e.g., 30–year to 15–year). Best for: Taking advantage of lower rates, reducing loan term, or switching from ARM to fixed–rate.
Cash–Out Refinance
Tap your home equity by refinancing for an amount larger than your current mortgage balance and receiving the difference in cash. Common uses include home improvements, debt consolidation, and education expenses. Best for: Leveraging home equity for major expenses or debt consolidation.
FHA Streamline Refinance
If you have an FHA loan, streamline options allow you to refinance with minimal documentation and no new appraisal. Best for: Current FHA borrowers wanting to lower payments without extensive paperwork.
VA Interest Rate Reduction Refinance Loan (IRRRL)
VA borrowers can refinance to a lower rate with simplified underwriting and reduced documentation. Best for: VA loan holders seeking quick rate savings.
When Refinancing Makes Sense
- Interest rates drop 1% or more below your current rate
- You plan to stay in the home long enough to break even on refinance costs (typically 2–4 years)
- Your credit score has improved since you originally financed
- You want to reduce loan term or lock in a fixed rate
- You need cash for home improvements or major expenses
Let’s run the numbers to see if refinancing makes sense for your situation. Contact Ryan at (386) 690–5858 for a free refinance analysis.
Frequently Asked Questions
What’s the difference between pre–qualification and pre–approval?
Pre–qualification is an estimate based on information you provide—no documentation, not verified, no credit check. Pre–approval is after we verify your income, credit, assets, and employment. It’s much stronger and shows sellers you’re serious. Pre–approval is what you need to make competitive offers.
What credit score do I need to qualify?
It depends on the loan program. Conventional loans prefer 620+, FHA works with 580+, and VA has no official minimum (we work with borrowers at various score levels). Even if your score is lower, don’t assume you can’t qualify—contact us to discuss options.
How much house can I afford?
Lenders typically allow housing costs up to 28% of gross income (some programs go higher). But affordability is personal. Factor in property taxes, insurance, HOA, utilities, maintenance, and other debts. A $400,000 house might be unaffordable if you have high student loans or other obligations. We help you define your comfort zone, not just the maximum you can qualify for.
What are closing costs and who pays them?
Closing costs are lender fees, title insurance, inspections, appraisals, and other transaction costs—typically 2–5% of the loan amount. Buyers and sellers can negotiate who pays. First–time buyers often use down payment assistance grants or lender credits to offset closing costs. We help you understand every fee upfront.
How long does the approval and closing process take?
Pre–approval typically takes 24–48 hours after you submit documents. Once you’re under contract on a home, underwriting and appraisal take 7–14 days (sometimes longer depending on complexity). Closing usually occurs 30–45 days after offer acceptance, but timelines vary by transaction.
Can I get a loan if I’m self–employed?
Absolutely. We offer bank statement and Non–QM loan products designed for self–employed borrowers. You’ll need 2 years of bank statements showing consistent income, and we may use bank deposits instead of traditional tax returns. Self–employed borrowers are a core part of our business.
Are there penalties for paying off my mortgage early?
Most conventional, FHA, VA, and USDA loans have no prepayment penalty. You can pay extra toward principal or pay off the entire balance without penalty. Check your loan documents for specifics. Making extra principal payments can save significant interest over the life of the loan.
What if I have recent late payments or collections?
Recent late payments or collections lower your credit score and make qualifying more difficult. However, depending on the reason (hardship, isolated incident), time elapsed, and the loan program, you may still qualify. We work with borrowers with less–than–perfect histories. Contact us to discuss your situation.
Can I qualify with a co–signer?
Yes. Many borrowers use a co–signer (spouse, parent, family member) to strengthen their application or qualify for a larger loan. The co–signer’s credit and income count toward qualification. Both parties are responsible for the debt.
Do you offer loans for investment properties?
Yes. We offer DSCR (Debt Service Coverage Ratio) investment loans that qualify based on the rental income of the property. These are ideal for real estate investors building portfolios. Rates and terms differ from primary residence loans, but they’re a powerful tool for scaling investment properties.
Ready to Get Started?
Take the first step toward your mortgage goals. Get pre–approved today or schedule a free consultation with Ryan & Megan.