Meet Andy Zemon:

Loan Officer & Branch Manager

NMLS #208916


Where Passion

Meets Professionalism!

Providing mortgage loan services

for 20+ years!

Schedule A Meeting Apply Now

Meet Andy Zemon:

Where Passion Meets Professionalism


Providing mortgage loan services for 20+ years!

Meet Andy Zemon:

Where Passion

Meets Professionalism


Providing mortgage loan services

for 20+ years!

Andy's Online Reputation

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Andy Zemon


Hello, I'm Andy Zemon, the Branch Manager and Loan Officer at the Crozet, VA branch of Novus Home Mortgage. With over 20 years in the mortgage industry, I've had the privilege of assisting more than 4,000 families in achieving their homeownership dreams. My expertise as a Certified Mortgage Planning Specialist—one of only three in Central Virginia—allows me to create tailored financial plans for homebuyers, and I am the preferred lender for some of the area's top builders and Realtors.


I'm passionate about education and development within the real estate community, regularly conducting continuing education courses for the Charlottesville Area Association of Realtors and offering seminars via the local Chamber of Commerce. My insights into the nuances of mortgage lending and business growth have led to features on the WINA live morning show and the local NBC affiliate as a lending and financial expert.


Nationally, I'm recognized as a top 1% mortgage provider for ten consecutive years and a coach in the mortgage industry, contributing over 15 years to the elite coaching group, The CORE.


I earned my degree in Consumer Affairs from The Ohio State University. Previously, I played for the Virginia Men's Rugby Football Club and volunteered for over a decade with the Seminole Trail Volunteer Fire Department, serving as both a Driver and Fire Fighter.


I'm happily married to Chanda, a skilled orthodontist, and together we are proud parents to four wonderful children. My family and community are my driving forces, inspiring me every day to provide the best service and advice to my clients and colleagues.

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Andy Zemon


Hello, I'm Andy Zemon, the Branch Manager and Loan Officer at the Crozet, VA branch of Novus Home Mortgage. With over 20 years in the mortgage industry, I've had the privilege of assisting more than 4,000 families in achieving their homeownership dreams. My expertise as a Certified Mortgage Planning Specialist—one of only three in Central Virginia—allows me to create tailored financial plans for homebuyers, and I am the preferred lender for some of the area's top builders and Realtors.


I'm passionate about education and development within the real estate community, regularly conducting continuing education courses for the Charlottesville Area Association of Realtors and offering seminars via the local Chamber of Commerce. My insights into the nuances of mortgage lending and business growth have led to features on the WINA live morning show and the local NBC affiliate as a lending and financial expert.


Nationally, I'm recognized as a top 1% mortgage provider for ten consecutive years and a coach in the mortgage industry, contributing over 15 years to the elite coaching group, The CORE.


I earned my degree in Consumer Affairs from The Ohio State University. Previously, I played for the Virginia Men's Rugby Football Club and volunteered for over a decade with the Seminole Trail Volunteer Fire Department, serving as both a Driver and Fire Fighter.


I'm happily married to Chanda, a skilled orthodontist, and together we are proud parents to four wonderful children. My family and community are my driving forces, inspiring me every day to provide the best service and advice to my clients and colleagues.

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Andy Zemon


Hello, I'm Andy Zemon, the Branch Manager and Loan Officer at the Crozet, VA branch of Novus Home Mortgage. With over 20 years in the mortgage industry, I've had the privilege of assisting more than 4,000 families in achieving their homeownership dreams. My expertise as a Certified Mortgage Planning Specialist—one of only three in Central Virginia—allows me to create tailored financial plans for homebuyers, and I am the preferred lender for some of the area's top builders and Realtors.


I'm passionate about education and development within the real estate community, regularly conducting continuing education courses for the Charlottesville Area Association of Realtors and offering seminars via the local Chamber of Commerce. My insights into the nuances of mortgage lending and business growth have led to features on the WINA live morning show and the local NBC affiliate as a lending and financial expert.


Nationally, I'm recognized as a top 1% mortgage provider for ten consecutive years and a coach in the mortgage industry, contributing over 15 years to the elite coaching group, The CORE.


I earned my degree in Consumer Affairs from The Ohio State University. Previously, I played for the Virginia Men's Rugby Football Club and volunteered for over a decade with the Seminole Trail Volunteer Fire Department, serving as both a Driver and Fire Fighter.


I'm happily married to Chanda, a skilled orthodontist, and together we are proud parents to four wonderful children. My family and community are my driving forces, inspiring me every day to provide the best service and advice to my clients and colleagues.

  • A group of children are sitting at a table in a restaurant.

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  • Two young girls are holding cups of ice cream and smiling.

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  • andy zemon's daughter smiling

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  • A group of people are sitting on a boat in the water.

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  • A group of men are sitting on a boat in the ocean.

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  • A man and three children are posing for a picture in front of a castle.

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  • A man and a woman are sitting at a table holding drinks.

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Realtors - Subscribe to Andy's Newsletter!

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

    • Direct Freddie Mac
    • FNMA Direct
    • Freddie Home Possible
    • Fannie Mae HomeReady
    • Aggregators and Minimum
    • Modular Homes
    Apply Now
  • Government

    • FICO 620
    • FHA Purchase & Streamline
    • FHA Standard
    • VA Standard
    • FHA High Balance
    • VA High Balance
    • USDA
    • VA Purchase & IRRL
    • Jumbo
    • Fixed Loan Programs
    • Barndominiums
    Apply Now!
  • Second Homes

    • Home Equity Loan
    • Home Equity Line Of Credit
    • Hard Money Loans
    • Private Money Loans
    • DSCR Loans
    Apply Now!
  • Construction

    • Single Close Construction
    • Two Time Close Construction
    • Owner-Builder Loans
    • Renovation Loans
    • End Loan
    • Construction-to-Perm Loan
    Apply Now

Get A Loan With Andy

When choosing a mortgage provider, you want someone with not only extensive experience but also a proven track record of success and client satisfaction. Andy Zemon embodies these qualities, bringing over 20 years of industry expertise to the table. 


As the Branch Manager and Loan Officer at Novus Home Mortgage's Crozet, VA branch, Andy has personally assisted more than 4,000 families in securing their homes. His depth of knowledge and dedication make him uniquely qualified to navigate the complexities of home loans, ensuring a smooth and understandable process for each client.


What sets Andy apart is his specialized role as a Certified Mortgage Planning Specialist, a rare designation held by only three professionals in Central Virginia. This expertise allows Andy to offer customized, strategic mortgage plans that align with his clients’ long-term financial goals, making him a preferred lender for the area's top builders and Realtors. 

Apply Now

Meet With Andy

Scheduling a meeting with Andy Zemon can be incredibly beneficial, even if you're not ready to start the loan application process. Andy offers invaluable insights and personalized advice tailored to your unique financial situation and future goals.


This initial consultation can help clarify the complexities of the mortgage landscape, enabling you to make informed decisions when the time is right. Andy's approach is educational and supportive, focusing on building a relationship and understanding your needs rather than just completing a transaction.


Meeting with him provides a no-pressure opportunity to explore various mortgage strategies and learn how to prepare financially for a future home purchase, ensuring that when you're ready to proceed, you'll do so with confidence and a solid plan in place.

Schedule A Meeting

Learn With Andy

For those looking to deepen their understanding of mortgages, Andy Zemon offers a wealth of resources and learning opportunities. 


Through his continuing education courses with the Charlottesville Area Association of Realtors and seminars via the local Chamber of Commerce, Andy provides comprehensive insights into the mortgage process, strategies for financial planning, and the latest industry trends.


In addition to his educational offerings, Andy Zemon provides an interactive way for visitors to test their mortgage knowledge with a specially designed quiz. By clicking the button below, you can access this quiz and assess your understanding of various mortgage-related topics. This tool is perfect for both novices and those more familiar with the process, helping to identify areas where you might need more information or could benefit from further clarification. 

Take The Quiz

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.

20+ years


Been in the mortgage industry for 20+ years and helped over 4,000 families.

50 states


Licensed in all 50 states, the Virgin Islands, and Puerto Rico.

Top 1%


10 year running top 1% national mortgage provider.

15+ years


Graduate of The CORE, an elite mortgage coaching foundation.

20+ years


Been in the mortgage industry for 20+ years and helped over 4,000 families.

50 states


Licensed in all 50 states, the Virgin Islands, and Puerto Rico.

Top 1%


10 year running top 1% national mortgage provider.

15+ years


Graduate of The CORE, an elite mortgage coaching foundation.

Top 1%


10 year running top 1% national mortgage provider.

We had a super smooth transaction and everything went perfectly ! i will definitely continue to recommend them !

20+ years


Been in the mortgage industry for 20+ years and helped over 4,000 families.

Andy has worked with us on three refinances and three home purchases

15+ years


Graduate of The CORE, an elite mortgage coaching foundation.

Andy 's team and partners found ways to make the process seamless and transparent

50 states


Licensed in all 50 states, the Virgin Islands, and Puerto Rico.

Andy was great with using layman 's terms and helping us walk through our options once we were ready to commit to a plan

Other Online Reviews

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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.

A row of orange stars on a white background.

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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

Let's Get In Touch

We would love to hear from you! Use this form to contact us and we'll follow up fast, typically within 24 hours.

Contact Us

Address

5405 Ashlar Avenue

Crozet, Virginia, 22932

Phone

434 - 443 - 6557

Email

Let's Get In Touch

We would love to hear from you! Use this form to contact us and we'll follow up fast, typically within 24 hours.

Contact Us

Address

5405 Ashlar Avenue

Crozet, Virginia, 22932

Phone

434-443-6557

Email

Stay Up To Date With Andy's Latest Videos

Let's Get In Touch

We would love to hear from you! Use this form to contact us and we'll follow up fast, typically within 24 hours.

Contact Us

Address

5405 Ashlar Avenue

Crozet, Virginia, 22932

Phone

434-443-6557

Email

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