nova home loans phoenix

I had the pleasure of working with The Gale Team . Also licensed by the CA-DFPI under the CFL #6036566. This business is in an industry that may require professional licensing, bonding or registration. This company offers mortgage and financial services. Bio : Jon and Heather are owners of NOVA Home Loans. Greg notes that 20 years of martial arts, where persistence, honor, and integrity are the heart of daily practice, was a perfect lead in to his role as financial advisor in the mortgage industry. While being a native of Arizona, she continued to deepen the roots by graduating from Arizona State University. Thanks again for your time and feedback, Before taking a single loan application, Jon spends six months studying the mortgage process. Also VERY responsive to any inquiries we contacted him about the financial procedures! We recognize that to improve, we need to hear both positive and negative feedback and would love to hear more if you are willing. Carolyn provides direction and oversight to multiple departments, including marketing, human resources and benefits administration, employee engagement, training and development, post funding quality control, internal auditing, lender services and administrative operations. NOVA expands into Phoenix and Maricopa County. The level of care, attention to detail, and professionalism demonstrated by Nova Home Loans surpassed all my expectations. Fast, responsive, reliable. Good experience and a life lesson of how not to manage people. The team defines communication throughout the process as one of the most important elements in a successful loan transaction. Ray Desmond, founder of NOVA Home Loans, offered me a chance to change my life and I joined the NOVA family. TX:Texas Licensing DisclosurePA:Licensed by the Pennsylvania Department of Banking and Securities. *Top 1% Mortgage Originator & Certified Mortgage Advisor* I started my real estate career as a licensed Realtor; and after a few years was drawn more towards the "numbers & guidelines" side of the table. Need cash? NIS is a full-line, independent insurance agency representing leading U.S. carriers to provide custom insurance programs. They applied what Jon learned on and off the field at Stanford towards the mortgage industry which led to developing The Volpe Team and Our Playbook. Many borrowers decided to refinance in 2020 and 2021 to take advantage of historically low mortgage rates. . Please reach out to our HR team by emailing hr@novahomeloans.com. Mr. Herk has worked in the mortgage industry since 2001. Opportunity for strong compensation and advancement is available. We work as a team with all parties involved towards a common goalwhich saves a lot of deals for our clients & agents. Nova Home Loans doesnt list its lender fees for loan originations on its website. Current employees provide a window into a companys work culture and your feedback allows to ensure our employees remain enriched personally and professionally, aligning with our Core Value of promoting sustainable careers. Carolyn possesses in-depth experience with organization-wide changes, strategic goal setting and planning & implementation to maximize the companys operating performance and ensure achievement of its organizational objectives. Phoenix, AZ 6 reviews. A toll-free consumer hotline is available at 1-877-276-5550. Make a payment(s) before your loan is transferred, www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/3087. The company operates branches in four states, including Arizona, California, Colorado and Nevada. A toll-free consumer hotline is available at 1-877-276-5550. All rights reserved, 3900 E Camelback Rd #200, Phoenix, AZ 85018, USA. Unsubscribe easily. Sign up to receive our free weekly newsletter. He started his career a successful career as a Realtor from 1993-2007. Nova Home Loans offers conventional, VA, FHA, USDA and jumbo loans. We provide the most flexible mortgage loans and make homeownership possible. Make a payment(s) before your loan is transferred, www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/3087. Jana was elevated to Chief Loan Operations Officer in August of 2019. Nova Home Loans is a mortgage lender that offers conventional, FHA, VA, USDA and jumbo loans. He is a regular contributor to the American Heart Association and Susan G. Komen Foundation. Experienced professionals that value your dreams as much as you do. We have made a friend for life and will seek him out with our future mortgage and lending needs. I wish I would have been with Nova the entire process. . Larry is originally from Winnipeg, Canada, and made the move to the Valley of the Sun in 1993. How is pay, wlb & work culture. Of those applications, zero preapprovals were denied, and about 3% (454) of applications were denied, which is a lower denial rate than the industry average (about 8%). He has been married to his high school sweetheart and they have three boys. Over the past 40+ years, NOVA has expanded brick and mortar branches into Arizona, California, Colorado, and Nevada, but Tucson will always be home. When the real estate market collapsed in 2007, he went on to pursue other ventures. Bio : Oystein is a seasoned finance and accounting professional with twelve years of experience acting as a corporate controller, chief financial officer and member of the executive team. Wonderful supporting staff. After a career ending injury, they came back to Tucson and both joined NOVA Home Loans in 1995, working together as a team. Get the information you need to get the home you want. Oystein is involved within the industry, serving on the advisory board of Loan Vision, the leading accounting system for independent mortgage bankers. From the jump she was very supportive. Applying his background in industrial engineering and experience as a professional athlete, he develops the NOVA Playbook, which applies a flawless loan execution process with the mission of funding every possible loan. Jana brought extensive knowledge of the mortgage industry. homepage | Nova Home Loans We'll get you home. WA: www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/3087. Thanks again for your time and feedback, Recommended Reviews Your trust is our top concern, so businesses can't pay to alter or remove their reviews. I chose to go back to Tucson, Arizona. Information pulled from public Home Mortgage Disclosure Act Data. 1999. . Made the process easy. Jindra Faulkner Phoenix, AZ. They made everything so easy. Learn more about NOVAs Temporary Interest Rate Buydown program. This is based on 16 anonymous reviews submitted on Glassdoor. Angela DAcquisto, VP of Human Resources. Rated by real customers from all platforms in one place on TrustAnalytica.com 1st annual Miracle en el Barrio presented by NOVA Home Loans. Doesnt even compare! Thanks again for your time and feedback, The Steelers signed me as a free agent in 1994. The contents of this site may not be republished, reprinted, rewritten or recirculated without written permission. This annual event provides toys for thousands of children every year during the holidays. Brian has helped us get our first home, refinance cash out and buy a new home. NOVA Home Loans is consistently ranked among the Top 50 Mortgage Lenders in the U.S. and as one of the Best Places to Work in the Southwest. Later that year, I was injured and lost my football career. If I felt over whelmed or like crying she would always pick up the phone to talk me down. Its fundamental to our culture and one of our core values. We continue to focus on helping borrowers achieve their homeownership goals. Larrys degree in finance combined with his knowledge of real estate, allows him to understand the needs of the referring realtors, as well as his clients. Well help you get it done. Brian Mulvhill has been the best Loan Officer and advisor we have worked with for the past 3 years. Ratings by category. Average Rating: 5. Includes conventional, USDA, VA and FHA mortgages. Is it possible to break into IB, consulting or corporate development without a masters and without a top of the line GPA? Working with NOVA is a personalized experience from initial application to final loan closing and beyond. How is their IT department for roles like Director or VP? On a personal note, Greg is absolutely passionate about helping other people. We are sorry to learn you had a negative experience working here. Ryan considers it a great privilege to lead NOVA and he looks forward to continuing to be a great community partner. Hours of Operation Monday - Friday 8:30 AM - 8:00 PM ET Saturday 9:00 AM - 3:00 PM ET Information pulled from public Home Mortgage Disclosure Act data. TX: Texas Licensing Disclosure PA: Licensed by the Pennsylvania Department of Banking and Securities. By entering your email, you agree to sign up for consumer news, tips and giveaways from ConsumerAffairs. Salaries posted anonymously by NOVA Home Loans employees in Phoenix, AZ Area. We continue to focus on helping borrowers achieve their homeownership goals. First-time homebuyer? Refinance Trends in the First Half of 2021, The Fed delivers biggest interest rate hike in decades to combat surging inflation, 10% with a credit score of 550; 3.5% with higher scores, Federal Financial Institutions Examination Council (FFIEC), . From start to finish, they were sending emails and video updates every step of the way. All. After that, rates can reset and fluctuate based on market rates. After a career ending injury, they came back to Tucson and both joined NOVA Home Loans in 1995, working together as a team. Accurate Appraisal Management Services (AAMS) is formed. Loans made or arranged pursuant to a California Financing Law License. As we consider how we got to this point, my wife and I cannot begin to express our gratitude for **************. She could tell I was upset and told me not to worry she would get everything taken care of. The Department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. Incredible experience!! NOVA successfully navigates the 2008 financial crisis. A free inside look at company reviews and salaries posted anonymously by employees. NOVA expands into Phoenix and Maricopa County. Jon Volpe joins NOVA & develops the NOVA Playbook. I have had nothing but great compliments from my clients with their experience working with Denise. 2023 TrustAnalytica. The Gale Team at Nova was AWESOME!!! CA: Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act #4131230. Start with NOVA today. Peoples Mortgage Company. *In Canada, trademark(s) of the International Association of Better Business Bureaus, used under License. independent work CA: Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act #4131230. Opens the Fishbowl by Glassdoor site in a new window, Employees in Phoenix have rated NOVA Home Loans with 4.4 out of 5 stars in 16 anonymous Glassdoor reviews. By being a collegiate athlete, he understands how much work is needed to achieve ones goals and what it means to be a part of a team. Nova Home Loans also promises an immediate pre-qualification decision after you submit your application. An ARM could be a useful financial tool to save money in the short term, but remember that rates could increase significantly in the future. Any insights would be helpful. Information about NOVA Home Loans - Phoenix Office in Phoenix, review, site, email, 3900 E Camelback Rd Suite 200, Phoenix, AZ 85018, USA, (602) 224-4840 Nova Home Loans offers a variety of loan products to suit individual borrowers needs, including conventional (with fixed and adjustable rates), FHA, VA, USDA and jumbo loans. Thank you for taking the time to leave a review. Youll answer preliminary questions about the loan amount, down payment and any co-borrowers. Thank you for taking the time to leave a review. Please reach out to our HR team by emailing hr@novahomeloans.com. For more information about the recovery fund, please consult the Departments website atwww.sml.texas.gov. Thanks again for your time and feedback, Questions? Having problems? Location. Its an experienced lender with over 40 years in the business. | NOVA Fair Lending Statement Opens a New Window. Nova Home Loans is the largest privately held mortgage lender in Arizona, according to the company. We believe that each employee contributes to the organizations growth and success, and we are delighted that you take pride in being a member of our team. Ryan is a Tucson native and University of Arizona Alumni. Store Hours; Hours may fluctuate. All Rights Reserved. Loan rates and, Ashley R. said: Matt helped me create a plan to achieve my financial goals. Complaint forms and instructions may be obtained from the Departments website atwww.sml.texas.gov. On Fishbowl, you can share insights and advice anonymously with NOVA Home Loans employees and get real answers from people on the inside. Its the largest private toy giveaway event in Tucson. NOVA brings college football bowl games back to Tucson with the inaugural Arizona Bowl. I'm available 7 days a week, so contact me today! CA: Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act #4131230. Always had someone to answer my questions and help if needed. AZ, CO, FL, NV, OR, TX, WA, Copyright 2022 | NOVA Financial & Investment Corporation, DBA Nova Home Loans NMLS 3087 | 800.955.9125 | Site Map | BK 0902429 | NOVA Privacy Policy | NOVA Fair Lending Statement | CCPA Policy |Equal Housing Opportunity | Corporate Office: 6245 E. Broadway Blvd, Ste 400, Tucson, AZ 85711. NOVA is licensed in 19 states with offices located in Arizona, Colorado, California, Nevada, Oregon and Washington. Angela DAcquisto, VP of Human Resources. NOVA Miracle en el Barrio toy giveaway turns 20. We could have not asked for a better transaction even with its emotional *** and downs.I am grateful for **************. ForLocations, . To compare, worldwide NOVA Home Loans employees have given a rating of 3.9 out of 5. Talia was born and raised here in Phoenix, Arizona. This quick, smart and local approach of taking a loan from start to finish gives our Helpfulness Rating Date. She joined the Gale Team in 2019 and says that, The Gale Team is like family. bank and the flexibility of a broker, all under one roof. They've struggled to maintain enough work to employee ratio like every place else. Austen and Jeff were wonderful to work with. He, Brooke L. said: I've had my policies with Brian and American Family for 5 years! They spent the first year learning the mortgage business before developing game plan with a 5-year goal to become Americas #1 Originating Team. The mortgage biz fluctuates and with that comes inevitable layoffs. Years in Business: 41. Business Started: 5/14/1981. Rob Herrell and his team rock it. You can log in to the application portal and view your loan status online. This is a multi-location business. ARMs are gaining popularity, especially as rates have increased to 10-year highs in 2022. 3.5 Work-Life Balance. His new goal is to be the very best husband and father. You have a wonderful asset to your overall team and I would hope that you and Nova Home Loans sees just that. Make a payment(s) before your loan is transferred, www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/3087. The NOVA team has established an outstanding reputation for quality. 382 reviews, 697 Redfin and partner-agent clients. Even things I didn't know she brought up to make sure everything worked in my favor. We are sorry you had a negative experience working here. To combat inflation, the Federal Reserve raised the Federal Funds rate (which affects mortgage rates) by 0.75 percentage points in July 2022. Youll also give authorization for the company to pull your credit report. Im a first home. Ultimately, the company closed about 67% (9,807) of these loans. Right when, Jeremy Schachter & Zac White - Fairway Independent Mortgage, Randy B. said: Jeremy and his team are the best in the Phoenix area. In 2013, Carolyn transitioned to her current role of Chief Administrative Officer. Bio : Ryan began his career in mortgage banking with First Magnus Financial Corporation in 2003 where he became a key member of the Secondary Marketing team. NOVA expands its regional footprint opening branches in Colorado and Nevada. I originally got things going with another lender. Its been in business for over 40 years. The dust has settled and my wife, two children and I feel at home. Also licensed by the CA-DFPI under the CFL #6036566. NOVA Home Loans is Arizona's largest privately owned mortgage lender and one of the most respected mortgage companies in each of the communities we serve. Once preapproved, you can begin shopping for a home and submit purchase offers. 9.8 miles away from Oliver Whalen Team - Nova Home Loans We are committed to providing our customers with mortgage services tailored to their specific needs. I would refer Nova Home Loans to anyone. NOVA Home Loans Salaries trends. With offices in Arizona and Colorado, it serves clients across the U.S. NOVA opens branches in Colorado and Nevada. It requires a score of at least 550 for a VA loan and at least 620 for a USDA loan. Myself and my team work with a "can do" attitude; we don't let problems stop us, we find solutions. Employees in Phoenix have rated NOVA Home Loans with 4.4 out of 5 stars in 16 anonymous Glassdoor reviews. That time spent as an agent was a big benefit though; it gave me a unique perspective on a real estate transaction that most lenders just don't have. If you've been told "NO", or are having a less-than-stellar experience with your lender, call us today! We value your privacy. Nicki E. said: I came to Ethan looking for a better alternative to my former, Trinity G. said: Last night I called due to an issue I was having with being out of, Ebony D. said: Mishael worked efficiently and fast to help me get me loan. With an ARM, youll have a lowintroductory rate for a few years, typically three to five years. Rates reflect noncommercial home purchase loans only. Best. However, in 2021, the company had an average home purchase rate that was higher than the national average by about 0.1%. Wouldn't work for any other Mortgage Company, NOVA Home Loans employees working in Phoenix. The team priority is to provide exceptional and memorable service. When things really got rolling, ************** and his team rolled up their sleeves and put in much work to help our loan get through the system and funded. Angela DAcquisto, VP of Human Resources, Lack of communication We know that a business is nothing without its customers, and that you have plenty of options for your home financing needs - work with someone who treats you that way! You could secure a lower interest rate if your financial situation has improved over time for instance, you may have a better credit score or debt-to-income ratio than in the past, which could qualify you for a lower rate. Holly was born and raised in the valley. 2.8 Job Security & Advancement. We want each employee's experience to be rewarding in every aspect. Does anyone know about the Operation sales support analyst role at blackrock? Nova Home Loans hours and Nova Home Loans locations along with phone number and map with driving directions. Even in the busy month of November with a shortage of business days. Your feedback allows us to evaluate our practices to ensure our employees remain enriched personally and professionally, aligning with our Core Value of promoting sustainable careers. We recognize that we need to hear both positive and negative feedback to improve. Looking for a better home loan? Thank you very much. Nova Home Loans discloses many of its borrower requirements on its website. Noah Kovner from Nova Home Loans was clearly the perfect choice to get our Dream Home Loan and get Escrow Closed in 3 weeks. This full-service financial planning firm, and registered SEC Investment Advisor, provides a customized approach to financial planning. How BBB Processes Complaints and Reviews, Better Business Bureau Serving the Pacific Southwest. Nova Home Loans also provides mortgage loan options for individuals who arent U.S. citizens (e.g., permanent or non-permanent resident aliens and foreign nationals), something many other lenders dont offer. Thank you so much again for making the experience great!! Not only this but their rates beat the big banks by a long shot, and blew them out the park on the speed to close. Complaint forms and instructions may be obtained from the Departments website atwww.sml.texas.gov. Loans made or arranged pursuant to a California Financing Law License. NOVA Home Loans is licensed in multiple states, for licensing information, go to www.nmlsconsumeraccess.org. He is an active member of the Finance & Accounting Committee with Mortgage Bankers Association (MBA). Lorem Ipsum has been the industry's standard dummy text. Loans made or arranged pursuant to a California Financing Law License. . He is passionate about helping others and guiding those to homeownership since he is a new homeowner as well. We will be with you every step of the way toward successful homeownership. The most common loan term is 30 years, but the company also offers 15- and 20- year terms. They want me to succeed and provide constant training opportunities to better myself whether it be in my current role or others I may be interested in. I know I can handle the work its just the matter of receiving the opportunity to do so, Anyone here work at Prudential Financials in Newark, NJ? Josh Berger Gilbert, AZ. Accessible leadership, established company, great comradery. In his down time, Ryan enjoys watching his children participate in sports, volunteering with his church, and being active outdoors. The Nova team made the process a real pleasure to do business with them in one of the biggest decisions we would make in our personal lives. Information pulled from public Home Mortgage Disclosure Act data. This all came with much hard work, dedication, and sacrifice as Heather became Super Mom raising their wonderful two children, Kaylie and Trevor. Need to file a complaint? See reviews below to learn more or submit your own review. Ready to buy an investment property, second home or dream home? We are pleased to read about your positive experience with teammates and that you enjoy our culture. 14 salaries for 13 jobs at NOVA Home Loans in Phoenix, AZ Area. Employees in Phoenix have rated NOVA Home Loans with 3.8 out of 5 for work-life-balance (5.4% higher than company-wide rating), 4.1 out of 5 for diversity and inclusion (10.3% higher than company-wide rating), 4 out of 5 for culture and values (7.8% higher than company-wide rating) and 4 out of 5 for career opportunities (5.1% higher than company-wide rating). Thanks again for your time and feedback, Jon Volpe remains Owner & Chairman of the Board. Copyright 2022 | NOVA Financial & Investment Corporation, DBA Nova Home Loans NMLS 3087 | 800.955.9125 | Site Map | BK 0902429 | NOVA Privacy Policy | NOVA Fair Lending Statement | CCPA Policy |Equal Housing Opportunity | Corporate Office: 6245 E. Broadway Blvd, Ste 400, Tucson, AZ 85711. Angela DAcquisto, VP of Human Resources. After a career ending injury, they came back to Tucson and both joined NOVA Home Loans in 1995, working together as a team. JEFF OHM - NOVA HOME LOANS - 3900 E Camelback Rd, Phoenix, AZ - Yelp Jeff Ohm - NOVA Home Loans 5 reviews Claimed Mortgage Brokers Edit Open 8:00 AM - 8:00 PM See all 8 photos Write a review Add photo Location & Hours 3900 E Camelback Rd Ste 200 Phoenix, AZ 85018 Get directions Edit business info Amenities and More Accepts Credit Cards Well start sending you the news you need delivered straight to you. We believe that each employee contributes to the organizations growth and success, and we are delighted that you take pride in being a member of our team. Since 2021, mortgage rates have been rising. In his role as team leader, Greg stresses the importance of integrity, a positive attitude, patience, creativity and respect for all things. When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints. With a guiding philosophy of focusing on one loan at a time, and minimizing risk while providing borrowers superior service, pricing, and loan options, NOVA emerges from the 2008 crisis as strong as ever. BBB Business Profiles may not be reproduced for sales or promotional purposes. According to the company, completing an application should only take about 15 minutes. Other loan officers could have, and did, brush us off and ignore us. Minimum down payment requirements seem to adhere to the industry norms. In 2021, borrowers submitted 14,566 home purchase applications to Nova Home Loans. Highly professional, yet highly personable! His responsibilities include strategic planning, financial reporting, warehouse bank relationship management, treasury, loan servicing, commissions, and the Company's deferred compensation plans. Leadership you can trust. CA: Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act #4131230. 82% of employees in Phoenix would recommend working at NOVA Home Loans to a friend, compared to 71% of NOVA Home Loans employees worldwide. We sincerely appreciate the time you have taken to provide your feedback. 3230 E Broadway Rd, Ste 220, Phoenix, AZ 85040 Refinance Business Description Agave Home Loans is a mortgage financing company that serves clients in Phoenix. Unsubscribe easily. The NOVA team has established an outstanding reputation for quality. BBB File Opened: 5/27/2010. As a matter of policy, BBB does not endorse any product, service or business. If your looking for someone that is serious and cares about getting you a good home Loan and get the ball rolling fast Brian is your guy. Angela DAcquisto, VP of Human Resources. Copyright 2022 Consumers Unified LLC. However, Nova Home Loans has lowcredit score requirements on VA and USDA loans. A seasoned administrative manager with 35 years of management experience identifying and solving complex organizational issues. NOVA Insurance Services (NIS) is created. Thanks again for your time and feedback, We want each employee's experience to be rewarding in every aspect. They are committed to returning calls promptly, providing regular status updates and being available as needed throughout the process. Angela DAcquisto, VP of Human Resources, Profit sharing (1994), his childhood dream. Loan . TrustAnalytica can significantly increase your sales and online reputation through positive reviews! We wish you continued success in your career. A written application for reimbursement from the recovery fund must be filed with and investigated by the Department prior to the payment of a claim. We were not ready to buy a home back in late 2020. We value your privacy. You can apply for a mortgage online or by phone. From 2008 through 2010, expansion into Maricopa County more than doubles the loans originated by NOVA. We are compelled to share a little more about our experience. Also licensed by the CA-DFPI under the CFL #6036566. Nova Home Loans offers mortgage loans in 11 states: Arizona, California, Colorado, Florida, Indiana, Nevada, New Mexico, Oregon, Texas, Utah and Washington. We would be open to having coffee if you wish to discuss this experience further offline. However, on FHA loans, the company requires a 10% down payment with credit scores as low as 550. *** did not and for that I'm grateful. 3.3 Culture. NOVA Home Loans is Arizona's largest privately owned mortgage lender and one of the most respected mortgage companies in each of the communities we serve. With a residential loan, the firm assists individuals and families in maximizing their financial capacity for a home purchase. 1999. . In 2021, Nova Home Loans originated over $6.7 billion in home loans. Thanks again for your time and feedback, Angela DAcquisto, VP of Human Resources, When the market is good, NOVA gives out profit sharing, Can be micro managed when business is slow. From 2008 through 2010, expansion into Maricopa County more than doubles the loans originated by NOVA. For the past two years, most loans Nova Home Loans originated were for refinancing purposes. For over 40 years, through the leadership of our Chairman, Jon Volpe, and CEO, Ryan Vondrak, along with a corporate and branch The team defines communication throughout the process as one of the most important elements in a successful loan transaction. She is very passionate about providing others with the care and comfort they deserve. I was freaking out as well as my real estate agent. Adam was great at communication and returning phone calls. Unsubscribe at any time. It is very important to do your own analysis before making any investment based on your own personal circumstances and consult with your own investment, financial, tax and legal advisers. Let me just say Traci Gratzek came In and saved the day. Holly also enjoys cooking and painting. Ryan Vondrak becomes NOVA CEO. Nova Home Loans offers a variety of loan products to suit individual borrowers' needs, including conventional (with fixed and adjustable rates), FHA, VA, USDA and jumbo loans. To access your loan information: Call our Automated Loan Information System from any touch-tone phone 844-4SVCMAC (844-478-2622) If you have questions or concerns: Call to speak with a Customer Service associate.

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