Why do business with NVR Mortgage?

For more than forty years, NVR Mortgage has provided lending services to more than 300,000 home buyers. We focus exclusively on new home construction for buyers of Ryan Homes, NVHomes, Fox Ridge Homes and Heartland Homes. We are a wholly-owned subsidiary of NVR, Inc. which is a publicly traded company on the New York Stock Exchange. In most areas our offices are local to every market serviced by NVR and our focus is providing competitive financial solutions and customer service unrivaled in the industry. We originate our own loans and maintain a working relationship with investor and regulatory groups that insure and securitize our loans such as Fannie Mae, FHA and the Veteran’s Administration. Utilizing Loan Officers with expertise in the local market, we strive to ensure that your mortgage and settlement experience is every bit as satisfying as the construction of your new home.

Purchasing a new home is an exciting experience, but intricate and often filled with challenges from contract to settlement. Having worked as the mortgage company for NVR’s affiliate builders for nearly forty years, we believe our value story is compelling. More than 50% of our new sales come from referrals and former owners of our homes, proof that customer service is at the heart of our mission statement. Our primary mission at NVR Mortgage is to help home buyers through a long process with minimal disruption. Nothing is more important to us than knowing that each borrower would recommend us to family and friends.


  • NVR Mortgage focuses exclusively on buyers for Ryan Homes, NVHomes, and Heartland Homes. Our expertise and in-depth understanding of new construction comes from years of repetition and thousands of diverse settlements.

  • Starting with your contract signing and initial application, NVR Mortgage works hand in hand with your builder to ensure you are satisfied each step of the way. Many of our competitors are not familiar with our policies and procedures regarding application and approval requirements which signal the start of your construction, lock-in confirmation, exterior escrow items, closing requirements and many of the fees associated exclusively with new home construction.

  • NVR Mortgage attempts to stay informed on every change you experience during the construction of your home. Every change order to your sales price triggers a resulting change in your loan and we continuously update your loan to help maintain the status of your loan approval. We understand that nothing can be more frustrating than waiting through your entire build cycle only to learn that you will not be closing on your home on time or worse, not at all.

Financial Strength

  • NVR Mortgage is an affiliated business of NVR, Inc. and is backed by the strongest balance sheet in the home building industry. You can be assured that when you make application with NVR Mortgage, we will be there until the day you receive the keys to your new house.

  • NVR Mortgage managed through the entire credit crisis without incurring steep losses from poorly underwritten loans. This speaks to our sound, conservative underwriting approach which puts your financial well being and your capacity to make payments first in our approval process.

  • We are a publicly traded company with a proven track record of strong, corporate governance. We maintain a working relationship with those entities that regulate our industry, and originate loans in keeping with the standards of Fannie Mae, Ginnie Mae, FHA and the Veterans Administration.


  • As a mortgage company and a builder, we are intensely focused on ensuring that your loan is ready to close the day your home is done. Our competition is mainly focused on increasing their volume of closed loans

  • The process starts with your loan approval. NVR builds homes to order and starting the construction of your home is in our best interest as well as yours. NVR Mortgage understands the importance of an expedient loan decision as every day that passes without a loan decision delays the start and settlement of your new home.

  • NVR does not build homes without a contract, which is why we focus on making loan decisions that will remain unchanged over the course of several months. Our competition regularly quotes rates and programs prior to gathering all of your pertinent information for a fully underwritten approval. NVR Mortgage focuses on fully documented loan decisions that you can count on while your home is under construction. It is in our best interest as a company to only build homes for customers with a high probability of closing.

  • Our focus is your settlement delivered on-time as promised in advance. We understand the significant costs involved in missing a settlement date. From moving companies and temporary storage to the aggravation of rearranging your schedule, we understand the enormous stress incurred from a settlement date change. Our competition typically waits until weeks from your settlement to submit your loan for full approval, which may be too late should an issue arise.