Business Details
46 Years
experience
Your Trusted Mortgage Broker in Phoenix, AZ
NOVA Home Loans has been empowering homeownership for over 40 years through personalized mortgage solutions. As Arizona's largest privately owned mortgage lender, we operate in 28 states with offices across the western United States. Our team of industry-leading professionals combines the efficiency of a bank with the flexibility of a broker to deliver a superior loan experience. With a proven track record of community service including $210,000 in donations during 2023 alone, we remain committed to helping borrowers achieve their financial goals.Our proprietary loan execution process, developed by industry innovators, ensures seamless transactions from application to closing. Backed by decades of experience and a customer-centric approach, we serve first-time buyers, experienced homeowners, and real estate investors with equal dedication.
Services
Home Loans
Refinancing
First-Time Buyer Programs
Investment Property Loans
VA Loans
Rural Property Loans
Doctor Loan Programs
Mortgage Recast Services
Private Mortgage Insurance Removal
Loan Modification
Details
- Year established: 1980
Highlights and features
- We offer 40+ years of mortgage industry expertise with local market knowledge
- Our proprietary loan execution process ensures timely closings and exceptional service
- We provide personalized mortgage solutions tailored to individual financial circumstances
- Our team includes award-winning loan officers with proven track records
- We maintain a strong commitment to community development and financial education
What people say
Excellent communication
Competitive rates
Timely closings
Personalized service
Expert guidance
Services
Home Loans
Our comprehensive home loan programs help first-time buyers and experienced homeowners achieve their real estate goals. We offer competitive rates and flexible terms for primary residences, second homes, and investment properties. Our expert loan officers guide clients through every step of the mortgage process from pre-approval to closing.
Refinancing
Our refinancing solutions help homeowners reduce monthly payments, shorten loan terms, or access home equity. We specialize in rate-and-term refinancing and cash-out options while maintaining strict compliance with current lending regulations. Our team analyzes each client's unique financial situation to determine the optimal refinancing strategy.
VA Loans
We provide specialized mortgage programs for veterans and active military personnel with zero down payment options and favorable terms. Our VA-approved loan officers understand the unique needs of service members and offer dedicated support throughout the entire loan process. We maintain current certifications to ensure compliance with all VA lending requirements.
Investment Property Loans
Our investment property loan programs cater to real estate investors seeking financing for rental properties. We offer competitive rates and flexible qualification criteria while maintaining prudent risk management practices. Our experienced team provides tailored solutions for both small-scale investors and large property portfolios.
First-Time Buyer Programs
We offer specialized mortgage solutions and educational resources for first-time homebuyers. Our programs include low down payment options, down payment assistance, and flexible credit requirements. Our certified loan counselors provide comprehensive guidance to help new buyers navigate the home purchasing process with confidence.
People
Ryan Vondrak
CEO
Ryan Vondrak leads NOVA Home Loans with over 25 years of mortgage industry experience. He has been instrumental in expanding the company's footprint across multiple states while maintaining its commitment to personalized service and community development.
Jon Volpe
Chairman of the Board & Owner
Jon Volpe founded NOVA's innovative loan execution process and has guided the company's growth since joining in 1995. His leadership transformed NOVA into Arizona's largest independently owned mortgage lender while maintaining its customer-first philosophy.
Heather Volpe
Owner
Heather Volpe contributes to NOVA's strategic direction with extensive industry knowledge and a focus on operational excellence. She plays a key role in maintaining the company's culture of community service and financial responsibility.
Todd
Loan Officer
Todd consistently receives client praise for his clear communication and dedication to securing optimal loan terms. He has demonstrated exceptional skill in navigating complex transactions and maintaining timely closings across various loan types.
Jana Gledhill
Chief Loan Operations Officer
Jana Gledhill oversees NOVA's loan operations with a focus on process efficiency and customer satisfaction. She brings decades of mortgage industry experience to ensure smooth transactions while maintaining strict compliance with regulatory requirements.
Questions
What types of mortgage loans does NOVA offer?
We offer conventional, FHA, VA, USDA, jumbo, and specialty loans for doctors, dentists, and other professionals, along with investment property and second home financing options.
How can I get pre-approved for a mortgage?
Start by completing our online application or contacting a loan officer who will review your financial situation and provide a pre-approval letter within 24-48 hours.
Do you offer mortgage services for first-time homebuyers?
Yes, we provide specialized programs with low down payment options, down payment assistance, and educational resources specifically designed for first-time homebuyers.
How does NOVA's loan process work?
Our process includes application, pre-approval, document submission, underwriting, and closing with dedicated support at every stage to ensure a smooth transaction.
What is your community involvement policy?
Community service is core to our values, demonstrated through annual charity events, employee volunteer programs, and $210,000+ in donations during 2023 alone.
Can I refinance my existing mortgage?
Yes, we offer multiple refinance options including rate-and-term refinancing, cash-out refinancing, and streamline programs to help reduce payments or access home equity.