Hi, I’m Andy Zemon.

I’m the Branch Manager and Loan Originator, Branch 4101 (the Zemon Team), at Novus Home Mortgage in Crozet, Virginia. I’m a Nelson County and Central Virginia native, and our team is Crozet-based.

• 25+ years in mortgage lending
• 5,000+ families helped
• Over $1 billion in funded loans
• Consistently ranked in the top 0.25% of loan officers nationally
• Registered to lend in all 50 states

Mortgages from A to Z: whatever you’re buying, my job is to help you see your options clearly and choose the plan that fits you. Rates that close.

As a Certified Mortgage Planning Specialist (CMPS), I build a financial plan around each purchase, not just a loan. That matters most for second homes, vacation rentals and investment property, where the classification, the local rental rules and the two-home budget decide whether a plan works. I’m also the preferred lender for some of the area’s top builders and Realtors.

I care about education. I regularly teach continuing education courses for the Charlottesville Area Association of Realtors, offer seminars through the local Chamber of Commerce, and have been featured on the WINA live morning show and the local NBC affiliate as a lending and financial expert.

I earned my degree in Consumer Affairs from The Ohio State University. I played for the Virginia Men’s Rugby Football Club and volunteered for over a decade with the Seminole Trail Volunteer Fire Department as a driver and firefighter.

I’m happily married to Chanda, an orthodontist, and we’re proud parents of four kids. I’m a lifelong Disney fan, and St. John is one of my favorite places anywhere, so I especially enjoy helping clients with Disney-area vacation homes and St. John second homes too.

Local recognition

NMLS registration

Andy Zemon, NMLS 208916, is an NMLS-registered mortgage loan originator, registered to lend in all 50 states. Verify on NMLS Consumer Access.