Meet the Team

With all the different types of first-time home buyer programs & other specialized programs, it is important to work with a team who understands how they all work.

The Smart Team is a full-service licensed mortgage loan team. We will walk you through the process and help you select the best loan program for your needs. Whether you are buying your first home, refinancing an existing home, or looking to buy an investment property, we can get you pre-qualified & closed in a timely manner.

When experience counts, think SMART, think Nova® Home Loans!


  • Same day pre-qualifications. 7 days a week
  • Ability to close loans
  • In-house underwriting & processing
  • In-house doc drawing & funding
  • In-house Credit Services Team at NO COST to our clients
  • Loan status online available 7 days a week
  • Tuesday updates (Phone call & LSU)
  • Same day signing & funding
  • Certified Reverse Mortgage Professionals
  • Sponsored Continuing Education


  • Conventional, VA, FHA, & USDA
  • JUMBO loans up to 3 million
  • Reverse Mortgage (HECM)
  • Doctor program
  • Up to 10 financed properties allowed
  • Construction perm loans
  • 95% Conventional financing
  • 100% Financing VA & USDA
  • Second home financing up to 90% Loan to Value (LTV)
  • Renovation loans (203k)
  • Canadian & Foreign Investor

NOVA Home Loans is licensed in 12 states nationwide & the Smart Team is personally licensed in  Arizona, California, Colorado, & Nevada!CLD Map 8-21-15

**Some restrictions may apply. Rates and available loan programs are
subject to change without notice**

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