Can You Buy a Home With No Down Payment? Understanding USDA and VA Loans
Can You Buy a Home With No Down Payment? Understanding USDA and VA Loans One of the biggest obstacles many…
Read More
“They made it an easy process in purchasing my home. Very organized and thorough. I closed on my new home exactly 30 days from my accepted offer. I would recommend this company to all my friends and relatives. They are a great company to have help you with the biggest most important purchase you will make.
Malissa Kanizar
“Tom and his team were great through the whole process. They were always there night or day. I would definitely work with them again.
Don Feges
“After having trouble getting approval to refinance my home, Tom and his team made it happen. I can't thank him/them enough for their friendly professionalism. Was a true pleasure to have HomeTown Lenders and the Faille Team complete this very necessary refinance, in a timely fashion.
Elaine Zenere
“Tom and his team of experts are a great lender and helped me through the whole process along with educating me about the housing market as well. Him and his team were available most of the time whenever I was confused or had questions as well.
Muhammad Tabani
“From start to finish Tom and his team were fantastic to work with. They always answered any questions I had returned my phone calls and explained everything going on. They were able to have me close on the home I purchased in 30 day’s which I asked him to do and he was a man of his word. I would highly recommend Tom and his team to everybody I do not have one complaint about them it was a great experience.
Jason
“Tom and his team were amazing through the whole process all the way down to closing! They always got back to me quickly with answers to any questions I had which were a lot. I was super nervous and was working with limited time and they literally went above and beyond to help me and I can not Thank them enough! I highly recommend them to anyone starting the process to purchase their new home!
Kimberly Krick
“Tom and his team were great through the entire process. They have an awesome app that helped us through the process as well. I highly recommend using Home Town Lenders for your home purchase!
Mark Goddard
“Thomas Faille's team did a great job! They were professional, knowledgeable and always responsive. They were able to guide me and my family purchasing new home without stress.
Christian
Novus Home Mortgage // NMLS #423065
Equal Housing Lender. Novus Home Mortgage is a division of Ixonia Bank, NMLS #423065. 20935 Swenson Dr. Ste. 420, Waukesha, WI 53186 Toll Free (844) 337-2548. All information is deemed reliable but not guaranteed. Neither mortgage company or website company shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Information subject to change without notice. This is not an offer for extension of credit or a commitment to lend.

© 2026 Thomas Faille Mortgage Team | Novus Home Mortgage. Website Managed by LoanSites
thomas faille, is novus home mortgage legit, nmls 423065
This guide provides a thorough overview of the home buying and selling process, catering to both first-time buyers and seasoned sellers. It covers essential steps, from understanding market conditions to finalizing transactions, ensuring that readers are well-informed at every stage.
Incorporating insights from industry experts, the guide discusses critical topics such as property valuation, negotiating offers, and closing procedures. By following these guidelines, potential buyers and sellers can navigate the real estate landscape with confidence and make informed decisions.
Choosing the right mortgage type is crucial for homebuyers, as it can significantly impact their financial future. This section breaks down various mortgage options, including fixed-rate, adjustable-rate, FHA, and VA loans, helping users understand the benefits and drawbacks of each.
Additionally, we provide examples of scenarios where different mortgage types might be more advantageous. For instance, first-time homebuyers may benefit from FHA loans due to lower down payment requirements, while those looking for stability might prefer fixed-rate mortgages.
Home renovations can enhance property value and improve living conditions. This section offers practical tips for homeowners considering renovations, including budgeting, hiring contractors, and selecting materials that provide the best return on investment.
We also highlight common renovation pitfalls to avoid, such as underestimating costs or neglecting necessary permits. By following these tips, homeowners can ensure their renovation projects are successful and increase the overall value of their homes.
A home inspection is a vital step in the home buying process, providing buyers with insights into the property's condition. This section explains what to expect during an inspection and how it can influence the buying decision.
We emphasize the importance of hiring a qualified inspector and outline key areas they typically evaluate, such as the roof, foundation, plumbing, and electrical systems. Understanding these aspects can help buyers avoid costly surprises after purchase and negotiate repairs with sellers effectively.