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 | www.novahomeloans.com/charles-baldon
Christopher Gray, Loan Officer



NMLS 273394, Phone 623-792-6815 | www.novahomeloans.com/christopher-gray
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 | www.novahomeloans.com/greg-gale
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.

Jeff Ohm, Vice President, Branch Manager

I grew up in Southern California, but have very strong ties to the Valley and consider myself a die-hard ASU SunDevil. I have an MBA from Arizona State University and more than 20 years of lending experience in the consumer finance industry. I am a stickler for detail and work meticulously to find my clients the ideal loan for their needs. NOVA’s attention to detail and customer service focus is what initially attracted me to the team-oriented company. I enjoy teaching Real Estate Continuing Education classes and sharing my knowledge with Agents in our community. Always striving to make the loan process simple and worry-free by keeping my clients fully informed in each stage of the process is a value I share with my colleagues. I love to work with and meet new people and always make it a priority to build long-lasting relationships. My wife and I live with our two boys in Phoenix and love to spend time downtime at our condo in Rocky Point, Mexico. We’re also very involved with SunDevil athletics, as well as youth sports.

NMLS 894175, Phone 602-714-0532 | www.novahomeloans.com/jeff-ohm
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 | www.novahomeloans.com/jim-freda
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.

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.