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About Charles Donovan

As a licensed Homebridge Mortgage Loan Originator in Pennsylvania (NMLS #137232), Charles Donovan can assist you with your home loan needs, including:

  • First-Time Purchase
  • Second-Home Purchase
  • Refinance
  • FHA and VA
  • Conventional
  • 203(k) Renovation
  • Jumbo

Charles welcomes the opportunity to serve your needs with quick and accurate real estate financing advice. Charles has the expertise and knowledge, and will make sure you understand the features associated with the loan program you choose and that it meets your unique financial situation.

Contact Charles Donovan Anytime

Feel free to contact Charles anytime by phone or email for personalized service and expert advice. Charles Donovan will extend the same professional service to your friends, family members, work colleagues or neighbors who need help.

Charles Donovan is 203(k) Renovation Lending Certified

Charles is certified in 203(k) Renovation Lending, a program particularly well suited for buyers of fixer-uppers and REOs in need of repair. Homebuyers can finance both the purchase and future repairs on their new home with one loan.

The Renovation Loan offers some great features. The amount of money you are permitted to borrow for the purchase and renovations is based on the increased value of your home after improvements are made1. Also, because renovation costs are spread throughout the entire term of the loan, monthly payments are often lower than other financing options. With the loan, there is also no need to delay improvements. You can start in immediately after closing. Another great feature is the loan's simplicity - one application, one set of fees and closing costs, one closing to attend and one payment each month. The interest on the cost of your improvements, included in your mortgage, may be tax deductible2 as well.

Charles Donovan values your business and will provide you with the best professional service and mortgage solutions that make most sense for you and your unique financial situation and real estate goals.

Please contact Charles by phone, email or filling out the pre-approval form on the right to get more information about our Renovation Loan, or any other mortgage financing solution. I look forward to working with you!

1For 203k purchase transactions the maximum loan amount is the lesser of the sales price + renovation costs or 110% of the as-completed value, times the maximum loan-to-value. For refinance transactions the maximum loan amount is the lesser of the property value before renovation + renovation costs or 110% of the as-completed value, times the maximum loan-to-value. Loan amount must be within FHA county loan limits.

For HomeStyle® purchase transactions the maximum loan amount is based on the lesser of the sales price + renovation costs or 100% of the as-completed value, times the maximum loan-to-value allowable. For refinance transactions the maximum loan amount is based on the lesser of 1) 100% of the as-completed value times the maximum loan-to-value or 2) the balance on the existing loan plus the renovation cost plus the settlement costs. The maximum repair amount is limited to 50% of the as-completed value. HomeStyle® is a registered trademark of Fannie Mae.

2Please consult a tax advisor for further information regarding the deductibility of interest and charges.
For your home improvement needs, visit Service Finance Company, LLC to find a trusted local contractor.
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Homebridge may receive compensation for referring you to Service Finance Company, LLC.

What Our Customers Say About Me

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Corrine A. May 2018
“They were very attentive and friendly! I felt reassured with them.”
Hagen M. March 2018
“Thorough, friendly, easy and manageable and professional.”
Gregory M. March 2018
“Trust worthiness of Charles, he has always had our best interest in mind.”
Kim R. October 2017
“Attention to detail and circumstances.”
Liang D. October 2017
“Charles Donovan is the best Mortgage banker we have ever worked with!”
Andrew M. Philadelphia, PA
“Charles was incredibly easy to work with. He was always friendly, quick to respond to questions, and reliable when needed. Would definitely recommend to friends in need of a home mortgage. Thank you!”
William A. Wayne, PA
“Our Loan Officer was attentive and courteous. Did a great job walking us through our first house purchase in 19 years.”
Daniel B. Wayne, PA
“Kept us informed, gave good alternatives when the appraisal was a little lower than needed for no cash-in. E-signing and e-submission was great! Always prompt responses to inquiries.”
Lisa F. Chesterbrook, PA
“It was way easier than the dealing with a large national bank. Communication was more personal, and everyone seemed very knowledgeable. They were so eager to help.”
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