Ernie Donaldson Jr | Loan Officer
Loan Officer Portrait
NMLS #160865
Office: (800) 316-6846
Edgewater, Maryland Office | NMLS #118030
Phone: (410) 919-2269
3158 Braverton Street | Suite 204
Edgewater, MD 21037

Welcome to my website!

Here you will find easy and convenient online tools to assist you with your loan process. Whether you are purchasing, refinancing, or renovating your home we at Universal Mortgage & Finance, Inc. will provide you with the best services to make your loan process as smooth as possible!

A little about myself:

I have been in the Mortgage industry for over two decades and I have been a loan originator with Universal Mortgage & Finance Inc. since 1998. I worked my way up the ladder to Senior Loan officer within the first couple of years and have continued to maintain that status. I will help educate you on what to expect during the loan process as well as help you to eventually get approved if your credit needs repair at the time of application. Everyday there is something changing in the mortgage industry and I pride myself on keeping up to date with the industry. I want to provide you with all the necessary information and inform you of the best possible programs available. I am very detailed oriented and work with urgency to get every transaction completed as quickly and efficiently as possible. Lastly and probably most importantly, I am a great leader in helping all clients get what they want. I listen to what you say and act upon your desire. Come to me with all your concerns and I will lead you in the direction that is best for YOU!!!

I look forward to working with you!


Who We Are

Welcome to Universal Mortgage & Finance, Inc! Here we offer easy and convenient online tools to assist you with your loan process. Whether you are purchasing, refinancing, or renovating your home we will put our highly experienced team at your fingertips!

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Client Praise

"I really appreciated your professionalism and efficiency during the process. The personal attention that I received, deterred me from even thinking about financing with another company. I'm glad my agent recommended you."

Sheldon C. - Bowie, Maryland

What's Happening in the Universal Universe?

  • EXPANDING OUR TEAM • March 28, 2018

    Universal Mortgage & Finance welcomes Art Williams to the team! Art is a former Army Captain and senior manager with major companies in the mortgage, automotive and building industries. As VP of Business Development Art’s primary area of responsibility will be creating new branches nationwide.

  • Burgers and Bands Logo


    Come show your support for suicide prevention with friends, music, and food at the second annual Burgers and Bands. A great family friendly event with local bands. Funds raised here go to support suicide prevention groups such as the American foundation for suicide prevention. Come for lunch or all day, and have a good time. Sun, June 3rd 2018 11am-10pm at the Severna Park Taphouse, 58 West Earleigh Heights Road, Severna Park, MD 21146

  • NEW BRANCH OPENING • March 28, 2018

    Universal Mortgage & Finance is excited to announce we will soon be opening a new branch in the White Marsh area! Check back soon for additional details!