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.
David A. Pellegrino, Senior Loan Officer, Reverse Mortgage Specialist
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.
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.
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.
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.
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.
Nelson Howe, VP/Senior Loan Officer
Nelson Howe is a second-generation, Denver native with 20+ years of experience in the real estate and mortgage industry respectfully. As a Mortgage Vice President/Sr. Loan Officer for the DTC NOVA Home Loans office, Nelson has successfully originated a variety of home loans ranging from first time homebuyers to seasoned real estate investors (FHA, VA, CONV).
Prior to his time in the mortgage industry, Nelson Howe spent over 10 years in the real estate industry as a managing broker and top-producing agent. Nelson's deep knowledge of both the real estate and mortgage industry allow him to see the big picture and assist his clients in identifying the right loan package for each unique situation.
Nelson enjoys educating his clients throughout the loan and buying process so they are able to make an informed decision. His "client first" mentality has helped him develop an outstanding reputation in the real estate community and has created a broad network of satisfied past clients.
Outside of the office, Nelson is married and the proud father of his 2 children. He enjoys mountain biking, hiking, skiing, and volunteering his time to support his children's charities in his community.
Roland Scott has worked in the mortgage industry since 2010. With a range of roles including business development and recruiting, he has developed a versed knowledge of the processes and products that help buyers stand out in a competitive seller’s market. Originally from Wyoming, Roland understands that relationships and communication are an integral part of making any business or partnership successful and has a desire to share his knowledge and expertise through education. Roland prides himself on providing important education to both his clients and partners, providing for a process that creates a standout experience for all parties involved.
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.
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.