Andy's Online Reputation
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Realtors, you're in the right place! Realtors - looking for a loan officer to work with your latest client? You've come to the right place! Andy Zemon is licensed in all 50 states, plus the Virgin Islands and Puerto Rico. With over 20+ years in the business, and hundreds of 5-star online reviews, Andy is the #1 choice for every unique situation. Subscribe to Andy's realtor newsletter to stay up to date!
Loans Offered
Conventional
Apply Now- Direct Freddie Mac
- FNMA Direct
- Freddie Home Possible
- Fannie Mae HomeReady
- Aggregators and Minimum
- Modular Homes
Government
Apply Now!- FICO 620
- FHA Purchase & Streamline
- FHA Standard
- VA Standard
- FHA High Balance
- VA High Balance
- USDA
- VA Purchase & IRRL
- Jumbo
- Fixed Loan Programs
- Barndominiums
Second Homes
Apply Now!- Home Equity Loan
- Home Equity Line Of Credit
- Hard Money Loans
- Private Money Loans
- DSCR Loans
Construction
Apply Now- Single Close Construction
- Two Time Close Construction
- Owner-Builder Loans
- Renovation Loans
- End Loan
- Construction-to-Perm Loan
Nationwide Expertise
Andy Zemon’s expertise in the mortgage industry extends well beyond local boundaries. He is licensed to operate in all 50 states as well as the Virgin Islands and Puerto Rico, making him an exceptional choice for clients across the nation.
This wide-ranging licensure allows Andy to offer his comprehensive mortgage services and customized financial planning to a diverse clientele, regardless of their location.
Whether you are looking to buy a home in the heartland of America or secure a beachfront property in the Virgin Islands, Andy’s ability to navigate various state regulations and market conditions ensures that all your mortgage needs are expertly handled with the utmost professionalism and care.
Other Online Reviews

As always, Andy and his Novus Team made our experience straightforward and low stress. Any questions we had were answered thoroughly and quickly. We feel we have a partner in this group of attentive, smart, well-informed folks!
Olivia D.

This was our first time buying a home, and your team made it much easier to understand and get through. Andy and his associates Christina and Rebekah were so thoughtful and knowledgeable, and ready to help answer any questions we had. They helped us to get the best loan and rates possible, and we really can't thank you all enough!
Frances W.

Andy and his team made the process of buying our first home incredibly easy and straightforward. Fast, responsive, professional and helpful service. Andy stays on top of every detail and was there for us every step of the way to answer any questions or address any concerns. We will absolutely work with Andy's team again and recommend them to our friends and family!
Juste B.

I'm sure our situation isn't the strangest but buying a home is super stressful in general. My husband being in the state and me not made it challenging in so many ways, but Andy and his team made this smooth and handled us calmly, even when we were the opposite. In this super competitive market, we felt like winners in the end.
Judy P.

We appreciate everyone that was part of the team to fulfill our dreams of becoming a homeowner. The first couple of months was tricky getting everything we needed to begin process but once we were approved, the process went smooth. Thank you!
Savannah H.

Andy is so helpful and knowledgeable. He explained things clearly and took time to make sure I understood the process of buying and selling homes. He was instrumental in helping me navigate a pretty crazy market.
Amanda H.

Andy and his team did a great job! These guys are always the most knowledgeable people in the room when it comes to mortgage options. And so easy to work with. Which seams difficult to find sometimes in at industry.
Kara W.

They were prompt providing paperwork to be signed, prompt notification of what steps we were at through the process. Friendly people to work with. This is the second time I have been through this process with Andy and his team. I have no complaints from either time I have worked with his team.
Adam C.

Andy and his entire team made the experience super easy. After dealing with several other mortgage lenders, we had lost hope in ever owning a home. After our first meeting with Andy, we knew we were in great hands. We are so great full for Andy and his team of professionals. Highly recommended.
Anita W.

Andy and his team made the whole process easy and communicated every step of the loan process. In fact, we will never use anyone else but Andy and his team this was our third time going through him for our mortgage!
Richard W.

Andy was always available to discuss options and answer all of our many questions! Andy has become our go to guy with all of our real estate transactions! He makes it easy and gets it done! Thank you, Andy.
Robert B.

Andy and his team were very knowledgeable about the process and patient with us as we learned and asked questions. I always felt like my questions were valuable and important to them. They helped us through all the road bumps that are inevitable in the process of buying a house, and even went out of their way to advocate for us to get us the best deal possible.
Damon D.
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