Meet the Team

Whether you are buying your first home, refinancing an existing home, or looking to buy an investment property,  it is important to work with a team who understands your goals and can customize a loan to meet your needs.

The full-service licensed loan officers of the Smart Team will guide you through the process to ensure that you close smoothly and comfortably.  Put our decades of mortgage experience to work for you by calling us today!

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
  • Regular updates (Phone call & LSU)
  • Same day signing & funding
  • Certified Reverse Mortgage Professionals
  • Sponsored Continuing Education


  • Conventional, VA, FHA, & USDA
  • Down payment assistance loans
  • JUMBO loans up to $3 million
  • Reverse Mortgage (HECM)
  • Doctor & Professional program
  • Up to 10 financed properties allowed
  • Construction perm loans
  • 97% 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**