About Us

Have you ever wished that there were somewhere you could go for your first responder mortgage needs where you could experience the same level of trust and “got your back” mentality that you know from the fire ground? Wouldn’t it be great to work with a mortgage professional whose business is governed by those same philosophies and values?

We thought so, too…


Yes, the page is called, “About Us,” but, really, it’s about YOU. Like you, we are active, retired, career and volunteer firefighters. Like you, we understand the job (and the second job), the sleepless nights, the sacrifices made by our families, and, of course, the undeniable bond we share with each other. And, like you, we work too hard and take too many risks earning our money to waste it by overpaying for a first responder mortgage.

We have created FirefighterMortgages.com, by Novus Home Mortgage,  as a resource for you to get sound mortgage advice and fair, honest deals. It is our objective to help you meet or exceed your mortgage goals in the simplest, most cost effective manner possible, including zero lender fees. We promise to give you the facts, not the runaround, and to really strive to simplify the mortgage process.

We understand the importance of your transaction whether you’re purchasing a home, refinancing your home, or need relief from your mortgage. We take your situation seriously and treat you with the courtesy and respect that you deserve. Collectively, we have decades of mortgage experience that will only benefit you, especially in today’s complex mortgage environment.

Count on your brothers in the first responder mortgage business.  Along with Novus Home Mortgage, a direct national lender with a focus on value and service, we are here to serve.  Please let us know what questions you have and how we can help you!

Why Choose Us

2 Experience & Professionalism
With our collective decades of mortgage experience, we’re here to serve you competently and professionally.

3 $0.00 Lender Fees
By offering zero lender fees to our fellow first responders, we strive to deliver unparalleled value to our community.

Meet The Crew

Peter J. Billera
Peter J. Billera NMLS# 1521017
For as long as he could remember, Peter was drawn to emergency services and helping others.

He served as a full-time FF/EMT with Palm Beach County (FL) Fire-Rescue and as a volunteer firefighter with Jericho (NY) Fire Department.

In 1996, during his tenure with Palm Beach County, Peter became licensed as a mortgage broker and began helping firefighters, police officers, and other county employees with their mortgages.


James Mergenthaler
James MergenthalerLoan Originator NMLS# 1150600
Jim Mergenthaler’s humble beginnings originated on a dairy farm in the mountains of Upstate New York. It was this independent country background that taught him the value of hard work, and the strength and bond of family, assets which would later be a great advantage for Jim’s career as an industry professional.

While studying finance in college, Jim also obtained his mortgage broker license. He began his real estate career at a local firm as a lone broker, soon growing that into its own office. Shortly after leaving that company, Jim founded his own mortgage brokerage business and obtained his real estate license as well as life, health, and annuities insurance license. Working almost exclusively with international buyers for many years, he obtained his real estate brokers license and effectively ran a one-stop-shop.


Are You Our Next Crew Member?
Are You Our Next Crew Member?We're Growing...
If you are a Firefighter/ First Responder and would like to make a difference by helping First Responder families with their mortgage needs, please contact us. Thanks and stay safe!