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
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.

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

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 youth soccer. 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 fun to listen to when he is teaching a class.

NMLS 422590, Phone 520-495-7228 | www.mikeatnova.com
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 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.

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