• Your next chapter starts here.

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  • FREE GUIDE to your first purchase

    Our First Time Home Buyer Kit is packed with resources, checklists, and expert tips to guide you step-by-step through every stage of the buying process. Designed to empower new buyers, this comprehensive kit provides clarity, confidence, and peace of mind as you take the leap into ownership.

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  • Accessible, in depth market updates.

    We believe financial education should be available for everyone. What better way to share than through a podcast? Listen in to Anne’s Analysis, new updates weekly.

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Introduction

It’s your story.

At Novel Mortgage, we believe every home tells a story. Whether you’re buying your first place, upgrading to your forever home, refinancing for a new season of life, or building your real estate portfolio, we’ll help you write your next chapter by providing expert advice, transparent guidance, and a process designed just for you.

Buying a home isn’t just a transaction, it’s a turning point.

I’m Anne Clermont, and I started Novel Mortgage to make your mortgage journey feel less stressful and more like the exciting moment that it is.

With years of experience, a penchant for clear communication, and a knack for solving the trickiest financing puzzles, I’m here to guide you from “just curious” to “keys in hand” with confidence.

Reviews

“Anne was an amazing partner in Getting a loan.”

Her follow up and her knowledge was extremely superior to other loan professionals I’ve worked with. I would highly recommend her for anyone interested in purchasing or refinancing in the state of Florida.

Jim Cox - Ft. Lauderdale, FL

“To say they pulled off the impossible is not an exaggeration.”

We started our home buying process working with a big bank lender, and we were very unhappy with that lender. The communication was terrible. We were warned that we wouldn’t close on time, and ultimately we would lose our house.

9 days before our closing date, we were referred to Anne Clermont and CrossCountry Mortgage, and from that moment on our experience changed drastically. Anne and the CrossCountry team rescued us from a disaster and got us to the closing table on time. To say they pulled off the impossible is not an exaggeration.

Every single person on the CrossCountry Mortgage team was laser-focused on getting us to the finish line, and they were awesome. I can’t say enough good things about the communication, hard work, and effort that the entire team put in to make sure we closed on time.Anne communicated with us frequently by text, email, and phone to keep the process moving forward as fast as possible.

We love our new house, and we are so grateful to Anne and the CrossCountry Mortgage team for helping us get here!

Jennifer W. - Vero Beach, FL

“If you’re a business owner she will get you approved.”

I can’t say enough about my loan officer Anne. I am a hard case as I am a business owner and a 1099 compensated employee. Anne was knowledgeable and understanding from the very beginning, she was very in tune to all my needs. She was always quick to respond to all my messages or emails or questions or concerns and then we had some struggles in the beginning. They were completely not her doing.

All in all my experiences five out of five and while getting a mortgage is an extremely stressfukl situaltion for self-employed business workers mortgage loans in today’s world, Anne made the process bearable by being there and explaining everything every step of the way. I appreciate all her hard work and everybody that was involved in the process with CrossCountry Mortgage. I would definitely recommend using their business, especially if you have issues with being a business owner and need a complicated loan, her experience is very important in finding a lender!!

Thank you for getting me and my family into a beautiful home and thank you guys so much for being there every step of the way!!

Jill C. - Stuart, FL

Testimonials

About Anne

Mortgage Broker, Author, Connector.

I’m a mortgage broker, yes, but also a storyteller, a connector, and a believer that everyone’s home journey is unique. My goal is to listen to what’s important to you, translate the jargon, and tailor financing to fit your life, not the other way around.

For Homebuyers

Getting a mortgage should be stress free.

At Novel Mortgage, we believe that having the right tools and information is the key to success. That’s why you will find our mortgage calculator and guides provided for free, because everyone should have the tools they need to make their financial goals reality.

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  • Chapter 1: The Introduction. We get to know your goals, dreams, and budget.

    Chapter 2: The Research. We explore lending options tailored to you.

    Chapter 3: The Plot. Navigating pre-approval and making strong offers.

    Chapter 4: The Closing Scene. Smoothly handling underwriting to get you to the closing table.

    Chapter 5: The Sequel. Ongoing support for refinancing or your next purchase.

    Get the guide here.

SPEAKING REEL VIDEO GOES HERE.

For Realtors

Anne’s Analysis

Listen to our highly rated real estate market updates here.

“Quinn talks to me every week through this podcast and I’ve learned SO much about the industry - practical and informative.”

- Rave review

Personalized Strategy

We’ve seen firsthand the difference an organized, knowledgeable mortgage advisor makes when buying a property. Let’s connect and start strategizing.

Lunch and learn

Join us at one of our events designed specifically for real estate agents, where valuable insights and practical tips are served alongside good company and a great meal. Our goal is to work together to elevate your business!

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Let’s write it together.

Your mortgage journey doesn’t have to feel like a suspense novel. With the right guide, it can become your ideal story, centered around your financial goals and your dream home.

Let’s get started.