Lending Without the Risk. Growth Without Guesswork.

Expand your institution’s offerings with real estate-secured home loans—without the exposure to mortgage-backed securities. NovaMac’s Affinity Lending program empowers banks and credit unions to serve members with flexible, compliant, and profitable mortgage solutions—risk-free.

Fast Answers. Flexible Solutions. Zero Risk. 
NovaMac Funding delivers a turnkey mortgage platform tailored for institutions that don’t currently offer home loans. Our program is designed to help you: 

• Offer real estate-secured loans without adding operational burden
• Grow your customer base and deepen relationships
• Access a full suite of mortgage products for diverse borrower profiles
• Avoid secondary market risk and compliance headaches

Whether your members are first-time buyers, self-employed, or have unique credit histories, NovaMac provides:

• Fixed and adjustable-rate first and second mortgages
• Hybrid loan options for non-traditional borrowers
• Programs for limited documentation or hard-to-prove income
• Solutions for borrowers with less-than-perfect credit

Our California-based ROC ensures consistency, speed, and service excellence. Staffed with specialists across the loan lifecycle, we support your institution with:

• Centralized processing and underwriting
• Multi State state mortgage lending
• A written service guarantee for every borrower experience

NovaMac integrates seamlessly with Ellie Mae Encompass, AI and other leading platforms, giving your institution:

• Real-time loan tracking and reporting
• Co-branded marketing tools
• Dedicated support from our Strategic Alliance team

Partnering with NovaMac means more than just adding mortgage products—it’s about unlocking new revenue streams, enhancing brand loyalty, and serving your community with confidence.

• Co-branded campaigns to deepen customer engagement
• Daily project management and performance reporting
• Custom programs tailored to your institution’s goal