
I help California buyers and homeowners make clear, confident mortgage decisions. My job is to translate complicated mortgage guidelines into plain English, show your options side by side, and recommend the path that fits your payment, your timeline, and your life.
I believe the best decisions come from understanding all your options. Whether you are buying your first home, moving up, or refinancing, I walk you through every step so you can move forward without second guessing yourself.
You are welcome to check our client reviews on Google, explore our website & connect with us on
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I have been a licensed mortgage loan officer in California since 2002 and have helped more than 2,000 families achieve their homeownership goals.
Over the years I have seen markets rise and fall, lending guidelines tighten and loosen, and interest rates swing in every direction. That experience gives me the ability to guide you through any market with a steady hand.
It started with two brothers and a shared belief that homebuyers deserve better. In 2002, Jerry and I founded Super Mortgage Bros, powered by Golden Empire Mortgage, with a simple mission: give every client access to competitive rates, a wide range of loan programs, and a team that treats your goals like our own.
A few years later, Valerie joined the team. She happens to be my wife, but more importantly she is one of the sharpest Branch Managers in the business. Then Cody came on board and brought a fresh energy and deep commitment to every client he works with. And finally Angie joined as our Loan Partner, keeping everything running behind the scenes so our clients always have a smooth experience.
We are not just coworkers. We are a family, and we built this team around one goal: helping you get into the home you deserve.





Armando Novelo
Loan Officer | NMLS 237243
Valerie Novelo
Branch Manager | NMLS 1086572
Jerry Novelo
Loan Officer | NMLS 244948
Cody Villanueva
Loan Officer | NMLS 1846120
Angelene Montoya
Loan Partner
My team and I work with clients across California, including Los Angeles County, San Bernardino County, Riverside County, and Orange County.
We help with:
Conventional loans
FHA and VA loans
First-time homebuyer programs
Down payment assistance
Refinancing to lower your rate or shorten your term
Cash-out refinancing for renovations or debt consolidation

NMLS 237243
Super Mortgage Bros
1900 W. Garvey Ave S. #100
West Covina, CA 91790
Phone: (626) 200-1838
© 2026 Super Mortgage Bros. Super Mortgage Bros. | All Rights Reserved | Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Golden Empire Mortgage, Inc. ("GEM") [NMLS ID No. 2427] is a California corporation whose principal business office is located at 1200 Discovery Drive, Ste. 300, Bakersfield, California 93309. GEM is a residential mortgage lender and servicer Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. under license no. 413-0360. https://www.nmlsconsumeraccess.org