Brian Bissell, Senior Loan Officer

Brian Bissell is one of the top producing loan originators in Tucson and is excited to be a continuing education instructor. Brian is committed to building relationships and being a reliable source for information. Excellence in communication and professionalism are the trademarks of how Brian does business and what has made him able to build a successful business in Tucson AZ. Brian believes that customer service is the backbone of his business and looks forward to sharing his knowledge of the industry with you!

NMLS NMLS172726, Phone 520.202.1057 | www.novahomeloans.com/brian-bissell
Brogan Kemmerly, Loan Officer

Brogan is a Native of Tucson, Arizona. After being a college athlete, Brogan joined the mortgage industry in 2015 and was trained by one of the most successful teams in Tucson. He is an Exceptional Loan Officer who provides remarkable customer service throughout the loan origination process to his clients and realtors. Brogan is known for consistently exceeding the expectations of each individual involved in the loan process. Brogan is extremely knowledgeable regarding all loan products and services. He enjoys working in the mortgage industry and teaching continuing education classes because of the great opportunities to serve the people in the Arizona Community. He is incredibly passionate about his career and extremely excited to be part of the Lance Dickson Team, which is ranked in the top 1% of the Mortgage Originators in the Country for the past 17 years!

NMLS 1374896, Phone 520-747-6769 | https://www.novahomeloans.com/brogan-kemmerly
Eric Painter, Senior Loan Officer

Eric has been a Loan Officer for over 20 years. He has worked as a Branch Manager and Regional Manager for major lending institutions. Eric’s personal motto is, “My customers are my business and my business is my customers”. He understands that buying a home or refinancing a home can be a very stressful time and he is committed to making the financing part of this process stress free. One of the ways he does this is by educating his borrowers throughout the loan process. Professionally, Eric has served on many committees for the Tucson Association of REALTORS® and the Southern Arizona Mortgage Lenders Association.

NMLS 172753, Phone 520-202-5331 | www.ericpainter.com
Ian Brannon, Vice President/Branch Manager

Following graduation from Cal Poly in 2002 with a BS in Business Management, Ian Brannon worked for a major bank as one of the Top Producers in Northern California. After years of discussion to join NOVA® Home Loans, Ian moved his family back to their hometown of Tucson to further his career with Nova Home Loans. Ian is now the Team Lead of the Brannon Group where he and his team achieved Chairman’s club status, NOVA’s® top 20 Loan Officers, and Top 1% Mortgage Originators in America. The Brannon Group prides themselves on being available 24/7 for direction, communication, and explanation throughout the home financing experience.

NMLS 205989, Phone 520-577-4761 | www.novahomeloans.com/ian-brannon
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.

Lance Dickson, Senior Vice President, Partner

Lance was born and raised in San Diego, CA. He came to Tucson to attend the University of Arizona on a baseball scholarship. Dickson, a former All American at Arizona, was the first-round draft pick of the Chicago Cubs in 1990 and major league pitcher. He played 7 seasons for the Chicago Cubs before injuries ended his career. Lance shifted gears into the mortgage industry where he quickly built a team of top-level professionals. Lance and his team have served the Arizona community for 24 years. The Lance Dickson Team has ranked among the top 1% of loan officers in America 18 years running! An accomplishment a mere handful of loan professionals in the United States can claim. Lance is also one of only a few to attain his Certified Mortgage Planning Specialist designation some 15 years ago and continues as a certified instructor for the state of Arizona in all facets of real estate and mortgage lending. Lance held the position of Chief Operating Officer for NOVA Home Loans for 12 years and has been a leader at NOVA for more than two decades. His attention to detail and service level commitments to his clients, remain unmatched and stand out as the key factor in his success. Lance has been a member of The Chairman's Club for top producers literally every year of the award's existence. To date, Lance and his team have successfully closed over 16,000 loans for over 3 billion in volume putting him in the top 100 in America, all time. As a consummate leader in the mortgage industry, it's no surprise that Dickson has surrounded himself with the best of the best the industry has to offer, in terms of his team. Each member of the Lance Dickson Team understands the concept of "Over-deliver" as that has remained the team mantra since day one. Choosing the Lance Dickson Team for your mortgage financing needs means you will be expertly guided through the loan process each and every step of the way. Consistent communication, a fierce commitment to our clients, and 24/7 availability is our value guarantee.

NMLS 48279, Phone 520-750-8888 | www.novahomeloans.com/lance-dickson
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.

Michael Baltazar, Senior Loan Officer / Reverse Mortgage Specialist

Michael Baltazar has been in the mortgage business since 1997. After graduating from the University of Arizona with a finance degree, he went on to obtain his MBA his 2011. Michael has consistently been a top performer throughout his professional mortgage career, while also hiring and training many loan officers along the way. His love for training, motivating and encouraging others has also carried over into coaching. We are pleased to have him as an instructor for the NOVA School of Real Estate. Not only does he bring a wealth of knowledge and experience, but he is also a fun an engaging instructor that you will enjoy!

NMLS 422590, Phone 520-495-7228 | www.mikeatnova.com
Rich Hillman, Senior Loan Officer

Rich Hillman, a native of Tucson, has been helping people obtain their dream of home ownership since 1993. Part of Rich’s success is helping clients to identify their long term financial goals and educating them on all of their lending options. Partnering with NOVA® Home Loans as a Senior Loan Officer in 2000, Rich has successfully shown that industry knowledge, a wide range of products and business savvy practices lead to success in the mortgage industry. Rich strives to enhance each client’s financial goals and works to insure their mortgage fits into their long-term financial plans. With his dynamic, outgoing personality, Rich uses his extensive understanding of the Real Estate industry and mortgage guidelines to insure participants in the Continuing Education classes are engaged and confident in the information presented.

NMLS 209309, Phone 520-202-5214 | www.novahomeloans.com/rich-hillman
Ricky Abud, Senior Loan Officer

Ricky is the Lead Loan Officer of the Presidential Team at NOVA Home Loans, working in conjunction with NOVA’s President and Founder, Ray Desmond. He is committed to promoting stronger families, closer communities and healthier economies through homeownership, community events and charities. Ricky is a Southern Arizona native and a U of A Eller College of Business alumnus. He was Captain of the U of A Cheerleading Team and continues to actively promote and support U of A Athletics. He is an El Rio board member and an active supporter of Habitat for Humanity, Community Outreach and Tucson Young Professionals. He is bilingual and equally fluent in Spanish and English. He enjoys all types of physical activity and is a certified yoga instructor. He is dedicated to a healthy body, mind and spirit to be the best that he can be. Ricky also enjoys sharing his knowledge of the mortgage industry and educating those that can benefit from his knowledge and experience.

NMLS 998857, Phone 520-202-5265 | www.novahomeloans.com/ricky-abud
Thomas Higgins, Credit & Product 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.

Tom Heath, Senior Loan Officer

Tom Heath offers a wealth of experience in the mortgage industry and has been originating home loans for almost 20 years. Over his career he’s done more than help people buy and refinance real estate, he’s become an active promoter of financial literacy in the community. He’s serious when it comes to loans! Tom has held board positions with Arizona Mortgage Lenders Association, Arizona Association of Mortgage Professionals and the Tucson Association of REALTORS. Tom spends much of his time working within the community to serve as a volunteer and share his knowledge on various financing programs and is passionate about promoting an understanding of financial responsibility. He has served on Mayor and Council’s Affordable Housing Commission and is involved with the effort to bring home ownership opportunities to Downtown Tucson. Tom has several awards from the Tucson Association of REALTORS, including Affiliate of the Year and the Community Achievement Award. He led the charge in developing “High School to Home Ownership”, a 4 part series of classes for high school seniors on the foundations of financial stability. He earned the Common Ground Award for collaboration between the REALTOR Association and The U of A’s Take Charge Institute in matters of youth financial literacy. He was given the Pioneer Award from the Take Charge Cats for his involvement from inception of the Arizona Financial Face Off, a financial literacy competition among area high schools. He has personally spoken in classrooms all over the city and supported the United Way’s efforts to promote financial stability. In the community, Tom is connected to organizations that drive culture and a sense of place. He is on the Steering Committee of the Tucson Festival of Books and is Board Member of the Tucson REALTORS® Charitable Foundation. He spends his marketing dollars to support and promote Tucson organizations like the Rialto Theater and Downtown Tucson Radio. He supports Local First Arizona and the Downtown Merchants. He uses fundraising as motivation for exercise by running and riding with Team Hoyt Arizona and raising money for Honor Flight Southern Arizona.

NMLS 182420 Phone Number 520-495-7212 | www.TheHeathTeam.com