Anne Kanelopolus, Senior Loan Officer

Anne is a V.P./Senior Loan Officer at NOVA® Home Loans and has been a successful part of the mortgage industry since 2003. She greatly enjoys her career and looks forward to helping each new client she meets while providing "World Class Service." Whether you are a first time home buyer or refinancing your 10th house, Anne’s goal is to listen to your situation, explain all of your options, and give you answers that will assist you to accomplish your goals. And, Anne makes it a point to present these options in a language that’s easy to understand. If you are not ready to purchase or refinance today, Anne and her team will guide you through the steps necessary so you are prepared when the time is right. Her business and customer service philosophy is to tell the truth, work with integrity, and make sure there are no surprises. Anne lets her clients know that the A-Team is able to provide all mortgage services under one roof. Anne and the team have the unique ability to walk down the hall and find out the status of your loan at any point in the process. Not many companies can say that! One of her greatest sources of gratification is when a client returns to her for their mortgage needs and even more, when they refer friends and family. If every family Anne works with walks away stress-free and completely satisfied, Anne and her Team have done their job. Due to the A-Team’s high-level of success, Anne has been the recipient of several prestigious awards within the mortgage industry. Most recently, the A-Team was named in the Top 1% of Originators in the United States for 2015. Anne is an Arizona native, proud Mother of two boys, and has been married for over 24 years. Her family is a very busy on the go family. They all take great pride in being active in their community and appreciate the significance of helping people in every aspect of life.

NMLS 205733, Phone 623-792-6811 | www.Novahomeloans.com/AnneK
Charles Baldon, 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
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 | www.novahomeloans.com/glen-smart
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

Idalia Nayestani joined the Credit Services team in 2015 and is located in our Dallas, Texas office. 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.

NMLS Phone 877-360-6682 |
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
Jim Tulin, Loan Officer

Jim Tulin has been a mortgage loan officer in Arizona for more than nine years. Throughout his career Jim has strived to provide the most advantageous mortgage solutions for his clients. In recent years, Jim has tried to make changes in his own life to have a more positive impact on the environment. In June of 2009, Jim was named the exclusive Arizona and New Mexico provider for myEnergyloan. The myEnergyloan program provides incentives to own green real estate, with financial benefits to borrowers who are either purchasing or refinancing an energy efficient home. The goal is to encourage the shift toward a more sustainable living and working environment. The program can be used in conjunction with any real estate loan and assigns a point value based on the energy efficiency of a building which translates to a rebate to the borrower in the form of a reduction in interest rate and/or closing costs. The myEnergyloan program felt like a natural progression for Jim. By providing the myEnergyloan program to the residents of Arizona, Jim is not only assisting his clients in securing more favorable loan costs and terms, he is helping the residents of the state of Arizona achieve a more favorable environmental and economic future. Jim is very excited to be a part of the myEnergyloan team. By providing financial incentives for people to buy energy efficient real estate, or make energy improvements to their current homes Jim feels we can help make a significant difference in our community and our world as a whole.

NMLS 323140, Phone 480-614-6409 | www.novahomeloans.com/jim-tulin
Justin Oliver, Branch Manager, Loan Officer

Justin comes from a Fourteen-year background in financial services, including mortgage brokering/banking, money managing, and financial advising. Justin graduated from WP Carey School of Business at Arizona State in 2001. He held a series 7, series 66, and real estate license which give him a very good understanding of financial markets and how they function. He has personally been involved in thousands of residential and commercial real estate transactions which has given him a great advantage from hands on experience. Because of this experience, he is now certified with the state of Arizona to teach Real Estate Agents for continuing education on mortgage financing and the financial markets. He is one of the few Mortgage Professionals in Arizona that hold the Certified Mortgage Planning Specialist designation.

NMLS 164869, Phone 480-821-2577 | www.novahomeloans.com/justin-oliver
Kristy Eib, Credit Processor

Kristy has been in the Mortgage Credit Industry for almost 30 years as a Credit Service Representative, Office Manager, Trainer, Sales Administrator and Educator. She owned her own Credit Reporting Agency in the Phoenix market before selling to a National Credit Agency in 2006. She continued to work for them for an additional 5 years while staying active with NCRA, AzAMP, and AMLA. Kristy is currently a Credit Analyst for Nova Home Loans where time is spent educating consumers and fellow employees on credit reporting details. She takes pride in her knowledge of how FICO scores work and enjoys the interaction with borrowers. Kristy is licensed for CE classes in Arizona, Nevada, and Colorado.

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 | www.novahomeloans.com/robin-loomis
Ryan Whalen, Branch Manager, Loan Officer

Ryan is a native to Phoenix, Arizona where he stayed following his graduation from WP Carey Business School at Arizona State in 1998 with a degree in Finance. This led him to become a financial advisor, assisting families with their retirement planning. After discovering his passion for real estate in 2003, he made the switch to becoming a mortgage broker. His background gives him great strengths to explain the benefits to investors or first time home buyers. Ryan has been married to his lovely wife since 2000. They live in Gilbert AZ with their two boys, Evan and Owen.

NMLS 217739, Phone 480-621-5329 | www.novahomeloans.com/ryan-whalen