Cheryl Braunschweiger, Branch Manager, Loan Officer

Cheryl has been in the mortgage lending business for nearly 20 years. Having been a successful business owner and currently active as a community leader, Cheryl Braunschweiger is known and respected for getting the job done with a degree of skill and enthusiasm that brings out the best in those around her – colleagues, clients and friends. Her logo, ALMC Mortgage, reflects Cheryl’s philosophy and personality. It stands for All Loans Must Close –a reflection of her determination to do whatever it takes to serve her clients. A natural leader, you’re most likely to find Cheryl at the forefront of whatever she’s involved in, helping the people she’s working with come up with solutions that work best for them. She approaches work – and life – with passion, integrity, solid business judgment and a commitment to contributing to the community and those she works with. Cheryl combines her knowledge and passion for helping borrowers achieve homeownership with NOVA Home Loans’ wide variety of mortgage products, low competitive pricing, in-house underwriting and support team. With all of this, clients receive the best value in a mortgage transaction anywhere.

NMLS 266695 LMB 100020432, Phone 720-279-5939 | www.novahomeloans.com/cheryl-braunschweiger
David Pellegrino, Senior Loan Officer

David would describe himself as a dedicated salesperson with a strong background in customer and client relations. He has over twenty years of experience within the customer service/sales industry, including several years of management. David has been working in the mortgage industry since 2002, and has been with NOVA Home Loans as a Senior Loan Officer since the beginning of 2011. He is well versed in conventional and government mortgages, FHA, reverse mortgages and other niche products.

NMLS 190983 LMB 100017881, Phone 720-279-5902 | www.novahomeloans.com/david-pellegrino
Kevin Kostoff, Senior Loan Officer

Kevin has many years of experience, education and teaching in the mortgage/real estate industry. It is his passion to help clients get the right loan for their financial situation that sets him apart. Treating each client as his top priority has been the hallmark of his success and why he consistently ranks in the top 1% of all originators nationwide. His clients, real estate partners and business referrals all know Kevin is genuinely invested in bettering the client’s financial situation by positioning them into the best loans product for their needs and qualifications.

NMLS 190965, Phone 720-279-5905 | www.kevinkostoff.com
Kim T. Crea, Senior Loan Officer

Kim’s been in the mortgage business since 2003 providing borrowers with a high level of service and the belief that everyone deserves to be informed, comfortable with the process and never surprised by the numbers. Kim has a wide range of knowledge about loan guidelines, options, and solutions. Whether you are a first time home buyer, or have gone through the process many times, Kim will take the time to review the information necessary to ensure every client gets the right loan. Nova Home Loans provides in-house underwriting for all conventional loans underwritten to Fannie Mae/Freddie Mac guidelines as well as FHA, VA and USDA loans. Nova also offers jumbo loans, CHFA, Homepath, Denver MMA, and other unique programs.

NMLS 194345, Phone 720-279-5903 | www.novahomeloans.com/kim.crea
Kirk Weimer, Loan Officer

Kirk is an expert in mortgage products and the mortgage process. Kirk started his career in the mortgage industry in 2003, working in the operations side of the business as a capital markets/product analyst and then transitioned to specialize in production development & support. Kirk eventually became a corporate trainer, a role in which he was able to use his broad knowledge of the mortgage industry to help mortgage companies improve and grow by training Loan Officers and operational staff. Now, as a Loan Officer, Kirk is able to use his expertise to advise and educate clients and guide them through the mortgage process, while providing superb service and communication. In his free time, Kirk enjoys mountain biking, traveling, and spending time with his wife and two daughters.

NMLS 1063714, Phone 720-279-5955 | www.novahomeloans.com/kirk-weimer
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.

Michelle Oddo, Senior Loan Officer

As a prior partner of her own mortgage brokerage company, Michelle has over 25 years of mortgage lending experience as a loan originator as well as experience in loan processing and underwriting. This experience makes her a knowledgeable resource to take your loan from application to closing as smoothly and stress free as possible. She believes communication with all parties involved in the loan process is the key to a successful real estate transaction. She enjoys helping people choose the right loan to fit their specific needs, and prides herself on educating clients on all available options. Michelle’s expertise is working with self-employed, first time homebuyers and counseling challenging borrowers. Treating her clients with respect and honesty, while making their loan needs a priority has been the key to her success. Michelle has consistently ranked in the top 1% of all originators nationwide year after year.

NMLS 297239 LMB100028804, Phone 720-279-5949 | www.novahomeloans.com/michelle.oddo
Paul Cederholm, Loan Officer

With a name like Cederholm, Paul was meant to be in the real estate and home loan industry! Paul lives in Castle Rock, Colorado with his 5 children (no that is not a type-o ) and his dog Oakley. He often says, “If you’re bored in Colorado, it’s because you want to be, he loves everything Colorado life has to offer. A natural problem solver and high energy individual, he truly loves connecting with people and serving as a trusted resource for partners and clients, even if it is not about home loans or mortgages. Paul lives by the mantra to "ALWAYS LEAVE PEOPLE BETTER THAN YOU FOUND THEM" and "NOBODY CARES HOW MUCH YOU KNOW UNTIL THEY KNOW HOW MUCH YOU CARE" and enjoys helping and educating clients on the best solutions for their needs. He believes success comes from continually learning, growing, and serving clients and referral partners through value contribution, exceptional service, and consistent communication. Better Call Paul to experience what a great home buying loan process should feel like!

NMLS 1697336, Phone 720-387-3012 | https://www.novahomeloans.com/paul-cederholm/
Seth Wilcock, Loan Officer

Seth Wilcock has always been passionate about teaching since college, where he became a Level I certified AASI snowboard instructor. The mortgage industry has since served as an excellent platform for Seth to continue educating borrowers and business professionals about the ever changing lending environment today. Seth has been in the mortgage industry since 2010 and is constantly improving his systems to make the mortgage process quick and stress-free for all parties involved. Seth is well versed on many down payment assistance programs including CHFA and Denver MMA. During his free time Seth enjoys brewing beer, snowboarding and spending time with his wife and 120 lb Newfoundland.

NMLS 389617 LMB 100034709, Phone 720-279-5977 | www.novahomeloans.com/seth-wilcock
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.

Tim Oddo, Reverse Mortgage Specialist

“Let’s get it done!” This is the approach Tim uses in each of his client interactions. This philosophy coupled with honest transparency is what has sustained his career in the mortgage industry for almost two decades. Tim believes that strong communication, a quick response time, and an honest assessment of individual client needs allows for the best experience for his home buyers. Before his career as a loan officer, Tim worked as an appraiser, which gives him practical insight into other areas of the mortgage process. Besides work, Tim serves on the board of A Chosen Generation and is long-time member of Kiwanis Club. These affiliations align closely with his passion for people and building strong relationships with each person he encounters.

NMLS 302667, Phone 303-233-4500 | www.novahomeloans.com/tim-oddo
Troy Howell, Senior Loan Officer

In the mortgage business for close to 25 years, Troy is a seasoned veteran who enjoys making the dreams of his clients a reality. And, as he was a real estate agent before becoming a loan officer, his knowledge and experience allow him to serve his customers from beginning to end. Troy believes in answering all questions posed by his clients; while educating them throughout the home loan process. He makes it a point to provide information about different loan products and programs, along with the packaging of the loan, that meet both short term and long term financial goals. Being a long officer is something that comes naturally to Troy. Whether he is helping borrowers purchase their first home or perhaps improve their financial situation with a refinance, he works tirelessly to ensure that all of their needs are being met for years to come. As a Denver native, he is passionate about his community. Troy and his wife have raised their four sons within the Denver area and enjoy everything that comes with being a native Coloradoan. When he isn’t working, he spends his time with family, working on cars, home improvement projects (which sometimes seem to be never-ending) and kart racing.

NMLS 311477 LMB 100008106, Phone 720-279-5929 | www.novahomeloans.com/troy-howell