The Novel Home Loans team is committed to providing clients with the highest quality financial services combined with the lowest rates available in Santa Barbara and San Luis Obispo counties. Our outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs. Whether you are purchasing your dream home, refinancing an outstanding loan, or consolidating debt, the highly experienced team of loan officers here can help you find the right loan program at the lowest rate, no matter what your needs are.
The goal here at Novel Home Loans is to create lasting relationships with each and every client, and to continue providing excellent service for many years to come. The Novel Home Loans name is trusted throughout the community.
To speak directly with an experienced mortgage professional simply give a call anytime, or feel free to utilize any of the interactive tools offered throughout the site. Our experienced professionals here look forward to working with you.
When it comes to securing a mortgage, finding the right lender is crucial for a smooth and successful home-buying experience. Novel Home Loan stands out in the crowded lending market, offering a range of benefits that can make your journey to homeownership more manageable and affordable. Here are 12 compelling reasons to choose Novel Home Loan for your mortgage needs.
Novel Home Loan provides a variety of mortgage products, including conventional loans, FHA loans, VA loans, and more. This extensive selection allows you to find the perfect loan that fits your financial situation and homeownership goals.
2. Competitive Interest Rates
With competitive interest rates, Novel Home Loan ensures that you can secure financing without breaking the bank. Lower rates can significantly reduce your monthly payments, making homeownership more affordable.
3. Personalized Service
At Novel Home Loan, customer service is a top priority. Their dedicated loan officers work closely with you to understand your unique needs, providing personalized guidance throughout the process.
4. Streamlined Application Process
The application process at Novel Home Loan is designed to be simple and efficient. With an easy-to-navigate online portal, you can submit your application quickly and track its progress in real time.
5. Quick Approvals
Time is of the essence in the real estate market. Novel Home Loan prides itself on quick approval times, allowing you to make offers on your dream home without unnecessary delays.
6. Transparent Fees
Novel Home Loan is committed to transparency. They provide clear information about all fees and costs associated with your loan, so there are no surprises at closing.
7. Expert Guidance
With years of experience in the mortgage industry, the team at Novel Home Loan offers expert advice to help you navigate the complexities of home financing. Their knowledge can help you make informed decisions.
8. Flexible Qualification Criteria
Novel Home Loan understands that every borrower is unique. They offer flexible qualification criteria to accommodate a wide range of credit scores and financial situations, making homeownership accessible to more people.
9. Helpful Educational Resources
Novel Home Loan provides a wealth of educational resources to help you understand the mortgage process. From blog articles to webinars, you can find valuable information that empowers you to make confident decisions.
10. Strong Community Involvement
Novel Home Loan is dedicated to giving back to the community. Their involvement in local initiatives demonstrates a commitment to not only serving clients but also enhancing the communities in which they operate.
11. Positive Customer Reviews
Don’t just take our word for it—Novel Home Loan has received numerous positive reviews from satisfied customers. Their reputation for excellence speaks volumes about their commitment to service and quality.
12. Ongoing Support
Even after your loan closes, Novel Home Loan continues to support you. They offer resources and assistance for refinancing or exploring other mortgage options as your financial situation changes.
Conclusion
When considering a mortgage lender, Novel Home Loan offers a combination of personalized service, competitive rates, and a variety of loan options that make them a top choice for homebuyers. With their commitment to transparency, quick approvals, and ongoing support, you can feel confident that you’re making a wise decision for your financial future. Explore your options with Novel Home Loan today and take the first step towards homeownership!
Changes to the Property Value could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
You can change the property value by moving the Property Value slider up or down or by entering a new Property Value manually in the Property Value box.
When you change the Property Value, only the LTV will change, and the Loan Amount will remain the same Loan Amount.
Other advanced sliders’ options are available with Lendersa® Advanced Calculator
CloseChanges to the loan amount, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
CloseLTV is the abbreviation of Loan To Value, and it is the ratio between the Loan Amount and the Property Value. The formula to calculate LTV is Loan Amount divided by the property value. 
Example: Loan Amount $300,000, Property value $400,000 
Changes to the LTV, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
Close
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NMLS 1795154
