Headshot of Charles Naivar

Charles Naivar

Senior Loan Officer

Phoenixville, PA Mortgage Lender

NMLS #111399

375 Morgan St, Suite 2C
Phoenixville, PA 19460
tel Phone
(610) 653-7070
fax Fax


About Charles

Charles Naivar brings over 20 years of financial and home loan experience to his work as senior mortgage loan originator. His expertise makes him well qualified to assist a variety of clients with their specific financing needs. He enjoys working with homebuyers and homeowners, as well as referral partners including realtors, contractors, and homebuilders.

Charles's approach is to create a smooth loan process by consulting his clients throughout their home financing, ensuring that they thoroughly understand each step and the options available to meet their needs effectively and affordably. He strives to streamline and simplify the process, from application to closing.

Charles's career in the mortgage and financing business began more than 20 years ago as vice-president of Mid-States Financial Group in Wilmington, NC. He went on to serve as president/owner of Paragon Mortgage Corporation in Audubon, PA for 16 years. Prior to joining CrossCountry Mortgage, he spent several years as a home mortgage consultant.

Charles proudly served in the United States Navy for six years, specializing in its Nuclear Power Program and spending significant time onboard a nuclear fast attack submarine. As a result, he particularly enjoys assisting his fellow Veterans with their home financing needs. Charles attended NC State School of Engineering and the Cameron School of Business at UNC Wilmington. He currently resides in Phoenixville, PA with his wife, Marcy, whom he met 5 years ago when he worked on refinancing her home! They married in 2016, and are kept very busy with 4 teenagers in their new combined family.


  • Purchase and Refinance
  • Purchase
  • Refinance Loans

Recent Posts and Articles


A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.

Reach your homeownership goals

Choose from the tools below to help you achieve your homeownership goals or view all purchase and refinance tools.

  • There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

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