About Our Team



Raymond Desmond
Senior Loan Officer

About Raymond Desmond

Ray opened the doors of NOVA Financial & Investment Corporation, dba NOVA Home Loans in 1980. He had a vision in the late 70's about providing the consumer with options. After many years of hard work and dedication his vision became reality. Ray is known in the industry as the pioneer of mortgage brokering, although NOVA® is now a full service mortgage bank.

Ray is currently President and Founder of NOVA®. Ray is extremely proud of the NOVA® family he has created. In Ray's own words "It's the NOVA® people and their dedication that make NOVA® what it is today". NOVA® has consistently ranked as the #1 lender in Southern Arizona and is the largest privately held mortgage bank in Arizona.

Ray is originally from Detroit, Michigan. He is a U of A alumnus, a retired Pac-10 baseball umpire, retired ice-hockey player and a sports enthusiast.

Ray's personal loan team at NOVA® is the Presidential Team. The Presidential Team is comprised of a select few of the top mortgage professionals in the industry. They deliver VIP treatment to Ray's circle of friends, family, clients and all of their referrals.


Ricky Abud
Senior Loan Officer - Presidential Team

About Ricky Abud

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 a savvy mortgage consultant with programs to fit almost every client’s needs. Whether his clients are purchasing, building, refinancing or renovating a home, he guides them in the right direction based on their unique situation. Ricky is committed to being a partner and consultant to his clients and referring partners before, during and after the loan process and is dedicated to providing stellar service and advice. He is also committed to promoting stronger families, closer communities and healthier economies through homeownership, community events and charities.

Ricky is certified by the Arizona Department of Real Estate to teach continuing education to real estate agents and teaches his upbeat classes on a regular basis. He is committed to keeping his Realtor partners up-to-date on market conditions, interest rates, loan programs and industry changes.

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, Tucson Young Professionals and other community outreach initiatives. 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. Your business and the referral of your family, friends and colleagues is the best compliment you can give Ricky.


Jena Zambrello
Loan Officer Associate

About Jena Zambrello