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Joe Donovan

Loan Specialist

NMLS # 1450210

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Joe has quickly become a trusted lending partner among clients and industry associates. He actively goes out of his way to provide exceptional hands-on experience and prides himself on product and process knowledge. As a retired Army Military First Sergeant and Purple Heart recipient, Joe is dedicated to helping first-time homebuyers and fellow Veterans accomplish their dream of homeownership.

Pursuing the mortgage business was a natural fit for Joe given his knack for finance and military background. He loves relating to his Veteran clients and guiding them to find the most suitable loan type to meet their financial objectives. Making the loan process as effortless and stress-free for his borrowers is what he strives to achieve with each transaction.

In his free time, Joe enjoys spending time with his family and traveling. He serves as a Finance Officer for CH 576 Military Order of the Purple Heart, a non-profit organization established to assist local Veterans. Please contact Joe at the Cumming branch for any of your home financing needs!

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  • 115 Perimeter Center Pl NE Ste 600
    Atlanta, GA 30346
  • (678) 221-2892
  • (678) 848-0008
  • (833) 829-0181
  • Email Me JoeDonovan@loandepot.com
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Daniel Q.

"loanDepot helped my wife and I purchase our retirement home. Being on a fixed budget, our loan officer took that into consideration and help us choose the right loan for our needs. Great customer service!"

David T.

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Joe Donovan
Loan Specialist
NMLS # 1450210
JoeDonovan@loandepot.com
Phone
(678) 221-2892
Email
Email Me
Address
115 Perimeter Center Pl NE Ste 600
Atlanta, GA 30346

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loanDepot Lifetime Guarantee ("Guarantee")  —  Subject to the conditions and contact requirements outlined below, the Guarantee applies to the refinancing of an outstanding loan originated by loanDepot that is secured by the same property upon which that borrower previously received from loanDepot a loan and “loanDepot Lifetime Guarantee” certificate.  The Guarantee is non-transferable and does not apply to loans obtained to purchase a new property, new loans that result in the creation of a separate lien on the current property (i.e., a “home equity loan”), renovation loans, bond loan programs, down payment assistance programs or personal loans (i.e., loans that are not secured by the property). The Guarantee also does not apply to loans applied for through third parties (e.g., Lending Tree) or originated through loanDepot’s Wholesale division.  The Guarantee may only be used by submitting an application directly to loanDepot.


For Guarantees issued on or after January 1, 2019, the Guarantee may not be redeemed within 12 calendar months of the Date Issued. The ability to redeem the Guarantee in part or in whole also is subject to future changes in Federal or state law, or investor or guarantor restrictions on refinancing the existing loan.  loanDepot cannot guarantee that the borrower will be approved for a future loan, the interest rate for a future loan, or the future appraised value of the home.  The borrower’s ability to qualify for a future loan will be subject to the loan program terms and conditions available at that time.  For future loans meeting the above requirements and which are successfully closed, the appraisal fee will be reimbursed at the closing of the loan transaction and no lender fees will be charged. “Lender fees” do not include discount points associated with the loan transaction.  “Appraisal fee” includes only the fee associated with the first appraisal on the loan transaction and does not include any ancillary appraisal fees that may be charged in connection with the loan transaction (e.g., second appraisal fee, appraisal re-inspection fee, appraisal recertification fee, etc.). Terms and conditions are subject to change without notice.


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Rate Assumptions — Rates displayed are subject to change and assumes that you are buying or refinancing an owner-occupied single family home, debt-to-income ratios of 35% or lower, asset and reserve requirements are met, and your property has a loan-to-value of 80% or less. The Annual Percentage Rate (APR) is based on the loan amount and may include up to 3 points. (Points include any origination, discount and lender fees.) On adjustable-rate loans, interest rates are subject to potential increases over the life of the loan, once the initial fixed-rate period expires. Please contact one of our Licensed Lending Officers at (888) 983-3240 for a customized rate and payment quote.

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