Charles Baldon, Senior Loan Officer

Charles has been married to his wife, Candice since 1996, and they have 4 children together. He’s lived in Arizona for most of his life and has closed loans in every corner of the state over his 13 years in the banking industry. Charles believes that treating people ethically and working hard for them is the best way to be successful in real estate. His goal is lasting relationships with those he serves, be they real estate professionals, buyers or sellers. “Taking the time to truly listen to the goals of the customer is paramount to succeeding in this business. Customers need to know you’ll fight for them, staying by their side throughout the process. Agents want updates, to be in touch throughout the process with a real, live human being. In short: listen to the customer, recommend to the customer how you can best serve them, and then do what you say you’re going to do.” Charles has worked with many first–time home buyers over the years, financing everything from manufactured homes to multi–million dollar properties. He knows FHA, VA, USDA and conventional programs thoroughly, and thinks outside the box to do everything in his power to achieve your goals. Text, call, email or connect online with him for good, clear, honest communication about how he can help you.

NMLS 260897, Phone 623-341-0240 |
Chris Lawler, Vice President/Branch Manager

Chris Lawler has been a part of the NOVA® Family for over 8 years. Chris began his career with NOVA working for NOVA® Insurance Services and became a top producer and won many awards. Because of his desire to experience new challenges and advance his career, Chris decided to join The Volpe Team as a mortgage loan officer. He has a passion for helping people and especially loves working with first time home buyers and witnessing their excitement when receiving their very first set of keys. Originally born in Germany, Chris is part of an Air Force family and has traveled all over the world. Tucson is now his home and he is committed to being a part of our community. He and his wife, Caitlin, have 2 children

NMLS 869968, Phone Number 480-621-5329 |
Dax Watson, Attorney

Dax R. Watson is the managing partner of the Phoenix, Arizona office of Lipson, Neilson, Cole, Seltzer, Garin, P.C. His practice is focused in commercial litigation with an emphasis in real estate matters and professional liability defense. In his capacity as a defense attorney, Mr. Watson defends professionals in the fields of real estate, law, accounting, architecture, and engineering. He also defends officers, directors and employers in employment practice liability disputes. Mr. Watson regularly appears and represents clients in regulatory matters before the Arizona Department of Real Estate and other state and federal agencies. He is admitted to practice in Arizona’s state and federal courts and has appeared and represented clients in every county in the state. Mr. Watson has extensive litigation and civil trial experience having acted as lead counsel in over 30 trials and hundreds of arbitrations and administrative proceedings.Presentations, Seminars and Teaching Mr. Watson is approved to teach legal issues, agency and disclosure, and property management by the Arizona Department of Real Estate. In this capacity, Mr. Watson regularly teaches risk-reduction classes and seminars to and for real estate Brokers throughout the state of Arizona. Mr. Watson’s classes are set up and delivered in a fun format, including mock trial classes and a Talk Show style class.

Glen Smart, Reverse Mortgage Manager, Senior Loan Officer

A lot has changed since Glen closed his first loan in 1986. Glen began his mortgage and banking career in Southern Arizona at a Savings and Loan. During this time, Glen has seen many market and regulatory changes and held several positions within the industry including loan officer, Retail Sales Manager, and Vice President for national banks. Presently, Glen leads a residential lending team and manages the Reverse Mortgage Division for NOVA® Home Loans as well as a team of forward mortgage professionals. Glen holds a bachelor’s degree in business (finance) and enjoys sharing his experience with licensed loan officers and real estate professionals. He is certified to teach pre-licensing and renewal hour courses for both the Nationwide Mortgage Licensing Service and the Arizona Department of Real Estate. Glen is one of only 104 individuals nationwide to hold the Certified Reverse Mortgage Professional designation from the National Reverse Mortgage Lenders Association. Glen’s passion for learning and staying on top of the latest industry trends allows him to share the very best options to his customers and referral partners.

NMLS 208695, Phone 520-495-7237 |
Greg Gale, Branch Manager, Senior Loan Officer

Greg joined the mortgage industry in 1994. Prior to that, he was a personal trainer and martial arts instructor for 17 years. Greg notes that 20 years of martial arts, where persistence, honor, and integrity are the heart of daily practice, was a perfect lead in to his role as a financial advisor in the mortgage industry. The Gale Team is a full service loan origination service, committed to providing innovative mortgage solutions and real estate strategies. In his role as team leader, Greg stresses the importance of integrity, a positive attitude, patience, creativity and respect for all things. This team defines communication as one of the single most important elements in a successful loan transaction. They are committed to returning calls promptly, providing regular status updates and being available as needed throughout the process. Greg and his team really listen to clients’ needs, and then seek the best possible solutions, more often than not exceeding their clients’ expectations. The team priority is to provide exceptional and memorable service. On a personal note, Greg is absolutely passionate about helping other people. He is a regular contributor to the American Heart Association and the Susan G. Komen Foundation. Greg is a member of the National Association of Mortgage Brokers and the Arizona Association of Mortgage Brokers.

NMLS 193428, Phone 480-500-3001 |
Idalia Nayestani,Credit & Product Development Analyst

Idalia Nayestani joined the Credit Services team in 2015. She worked with all verticals offered by Landsafe with a primary focus on credit, flood and appraisal departments. With several years as a project manager, a client relationship manager, and understanding of ancillary products, Idalia is able to implement solutions and systems that will benefit the team and organization while maintaining professionalism and service levels. Idalia is certified to give CE course in Arizona and Nevada and will assist with many of the classes offered.

Jim Freda, Loan Officer

Jim has over 35 years of diverse business experience coupled with extensive mortgage, real estate and financial knowledge. Drawing from the best of his experience, Jim applies a very strategic approach to each loan transaction in order to find the best possible solution for solving or satisfying every client’s desired needs. The most critical goal Jim strives for with all borrowers and prospects in today’s challenging market is a risk-free environment. Those who choose to work with Jim can expect straight, accurate and reliable information to make sound decisions. The most significant level of customer service Jim consistently provides to his clients is his attendance at loan closings. He does not want his clients ever to feel confused or overwhelmed at a loan closing. Jim prefers to be on hand to answer the technical questions that can arise, thereby ensuring the highest level of success right to the very end of the transaction. Jim is regularly involved within the mortgage industry through his associations with the Arizona Mortgage Lenders Association, Glendale Chamber of Commerce, and the Arizona School of Real Estate & Business (as a Licensed Instructor). He holds a BS from the University of Illinois and a MBA from Grand Canyon University. A Glendale, Arizona resident since 1978, Jim relocated from the west suburbs of Chicago. He has been married since 1976 and has three adult children. Jim regularly speaks to various public and private groups on numerous mortgage, credit and personal finance topics, as well as sales, marketing and personal development. When Jim isn’t orchestrating the details of his clients mortgage needs he spends his spare time as a Jazz & Rock musician. Jim is a professional saxophonist with over 45 years of experience and has been performing professionally for over 30 years.

NMLS 202507, Phone 623-792-6804 |
Manny Hernandez, Senior VP, Lender Services

Manny Hernandez has been in the mortgage credit industry for over 20 years. His experience began as a team lead with a local mortgage credit reporting firm in Tucson, Arizona and grew to launching an in house credit reporting agency for a nationally ranked mortgage lender. The unique background of working with both a mortgage credit agency and for a mortgage firm has provided me with the knowledge and background to become one of the leading professionals in the mortgage credit industry.

Robin Loomis, Loan Officer

Robin began her mortgage lending career shortly after the birth of her first child in 1991. Over the past two decades she has enjoyed helping individuals and families match their mortgage program to their financial goals. In 1999, Robin closed her first reverse mortgage for seniors and the program and the mature customers involved, quickly became her passion. Helping seniors stay in their home and remain independent is her primary goal every day.

NMLS 461651, Phone 520-495-7218 |
Thomas Higgins, Credit & Product Development Analyst

Tom Higgins started his career in mortgage lending in 2000 and is thrilled to be a continuing education instructor. Tom’s experience with Secondary Marketing, Business Process Development, Training and loan origination has given him a unique perspective on industry changes over the past two decades. Working with Credit Services, he works closely with credit vendors, has a dedication to client relationships, as well as a personal drive to help borrowers overcome their credit challenges.