Company Personal commitment to professional excellence, coupled with a strong desire to help others, is the common thread among the Loan Officers at NOVA. We often hear that the experiences that our clients have working with NOVA are far superior to those encountered at other lending institutions. We're proud of that difference, and of the long lasting relationships we have forged with our clients, their friends and their families! NOVA HOME LOANS has served the needs of homeowners and homebuyers since 1980. We are able to originate loans in 15 states.  In 2001, we merged our flexibility as a mortgage broker with the efficient service of a mortgage bank to create a better way of lending. Efficiency and teamwork are the keys to our accelerated loan delivery. Loan applications are handled in-house from start to finish - eliminating the need to ship your application around the country for underwriting, approval and document preparation. Our commitment to excellent customer service continues long after you have signed your closing documents.  When changes arise in interest rates or market activity that may be advantageous to you, you can be assured that we will contact you and advise you of your options.  Not only will we be your mortgage lender, we will become your one-stop mortgage information source. NOVA HOME LOANS has sponsored the Boys and Girls Club since 2004. For more information about how you may get involved or if you have questions please email kids@novahomeloans.com. Boys and Girls Clubs provide a safe haven for thousands of youth. Your support will assist in this effort by delivering: •   Activities that build personal character develop leadership skills and promote good mental and physical health. •   Expanded opportunities for education and career development. •   Exposure to new experiences including the arts, sports, culture and fitness. •   Dedicated club staff members who bring caring, consistent support and direction to help kids develop into strong, competent young adults. Community contributions help to cover the $5.00 annual participation fee, or purchase sporting equipment, books, art supplies, computer equipment, field trips and more.  By investing in the Boys & Girls Clubs, you are investing in the future of our community. Statistics prove that kids in after-school programs are less likely to be involved in crime, use controlled substances or engage in other risky behaviors. They are more likely to get good grades, stay in school and be prepared for a productive adulthood. Boys & Girls Clubs is much more than just a fun place to go. These programs really work. Visit the club website www.bgca.org to learn more. Information about NOVA's Licenses   State Holding Licenses Licensing Agency License Numbers ARIZONA Arizona Department of Financial Institutions Mortgage Banker License-BK0902429 Branch licenses: BKBR0901119 BKBR0901120 BKBR0901122 BKBR0103579 BKBR0105103 BKBR0105566 BKBR0109511 BKBR0113659 BKBR0114014 BKBR0114403 BKBR0115091 BKBR0115227 CALIFORNIA California Department of Corporations Finance Lender License: 6036566 COLORADO Colorado Attorney General Supervised Lender’s License # 988316 FLORIDA Florida Office Of Financial Regulation Mortgage Lender ML100000074 MLB100000460 MLB100000459 IDAHO Idaho Department of Finance Mortgage Broker and Lender License - MBL-4722 Regulated Lender License - RMD-4823 LOUISIANA Louisiana Office of Financial Institutions Residential Mortgage Lender - RML 2768-0 MONTANA Montana Division of Banking and Financial Institutions Mortgage Lender License - 154 Branch Licenses - 155, 156 NEW MEXICO New Mexico Regulation and Licensing Department of Financial Institutions Division Registration under the Mortgage Loan Company and Loan Broker Act - 01368 OKLAHOMA Oklahoma Department of Consumer Credit Supervised Lender License # SL005885 OREGON Oregon Division of Finance & Corporate Securities Mortgage Lending License - ML-4451 TEXAS Texas Department of Savings & Mortgage Lending Mortgage Banker Registration Act -73151 UTAH Utah Division of Real Estate Mortgage Lending Company License - 5506411-MLCO VIRGINIA Virginia State Corporation Commission Mortgage Lender and Broker License - MC 5113 WASHINGTON Washington State Department of Financial Institutions Consumer Loan Company License - 520-CL-48909 WYOMING Wyoming Division of Banking Residential Mortgage Lender - MLB-771 Supervised Lender License - SL-1899   Refinance Buying Basics FAQ's NOVA Commercial Lending NOVA Insurance Services NOVA Financial Services

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