Marc Demetriou - The Mortgage Expert NMLS# 111118

Marc Demetriou - The Mortgage Expert NMLS# 111118 Marc Demetriou NMLS ID: 111118 is a SVP of Mortgage Lending/Branch Manager at Rate NMLS ID: 2611 and is currently licensed in ALL 50 STATES!

"For licensing information, go to: www.nmlsconsumeraccess.org Marc is an SVP of Mortgage Lending & Branch Manager at Rate and is currently licensed in all 50 states successfully serving his clients in traditional and reverse mortgages. He consistently ranks in the top 1 percent of mortgage originators in the U.S., according to leading industry sources Origination News, Mortgage Executive and Scotsman Guide. In his home state of New Jersey, Marc has been featured in NJBIZ's "40 Under 40" and is called upon frequently by the real estate, finance, accounting and legal communities as a trusted expert and speaker. Additionally, Marc is a certified and licensed instructor, offering continuing education credits to accountants, real estate agents, financial planners and managed care professionals. Marc has been a keynote presenter at the Mastermind Summit, the mortgage industry's leading annual conference as well as many other summits and business events across the nation. He was also a co-host of WVNJ's popular "The Real Estate and Money Show". He has received national recognitions including being named as one of RISMedia's Real Estate News Makers in 2023 and 2022, National Mortgage Professionals' selection of "Top Most Connected Mortgage Professionals" in the U.S in 2021 and 2020, and was chosen to be one of Mortgage Professional America's 5-Star Top Originators for 2021. He also is a Five Star Mortgage Professional award for superior customer service and professionalism 6-time recipient most recently in 2023 and 2022 from NJ Monthly Magazine as well as being selected as one of Fortune's 2022 Top 100 Market Leaders in the nation and Forbes Top 100 Market Leaders in the nation in 2021. Marc holds the following certifications and designations; Certified Divorce Lending Professional (CDLP), Chartered Financial Consultant (ChFC) and Chartered Life Underwriter (CLU). Profoundly inspired by his grandfather's hard work and success, Marc has authored his first book—"Lessons from My Grandfather: Wisdom for Success in Business and Life"— which shares knowledge gained from his beloved mentor, Haralambos Georgiou Pistis, who was affectionately known to all as Charlie. From a very young age, Marc chronicled Charlie's experiences as an immigrant from Cyprus. In dedication, he now offers his grandfather's timeless principles for achieving success and leading a fulfilling life. Foremost, is the belief that success is a choice. Marc graduated from Rutgers University/Rutgers Business School with a Bachelor of Science in Finance. He presently resides in Montville, NJ and is a proud father of 3 daughters. Marc treasures the time he spends with family and friends and strives to regularly make a difference in the lives of others around him, both professionally and personally. He also finds inspiration in a quote by Henry David Thoreau: "Go Confidently in the direction of your dreams! Live the life you've imagined."

09/09/2026

When planning to enter the housing market, prioritize your personal situation, not a calendar. While spring is a popular time to shop for homes, you may be overlooking some major advantages that fall brings.

Let’s discuss a plan that makes sense for you based on your unique situation.
https://myoc.io/cZmL2eGyek2/D123Q



NMLS # 111118

09/09/2026
09/08/2026

With Forward Commitments and DSCR, you can lock in pricing for your investor buyers and let their rental income do the qualifying. It's a faster path from contract to close, and a real edge over builders who can't offer it.

Ready to protect your pipeline? Let's connect.
https://myoc.io/cZmL2eGyek2/wCL5B



NMLS # 111118

09/07/2026

The small moments at home are often the ones we remember for a lifetime. However you’re enjoying Labor Day, I hope it’s filled with loved ones, laughter and great food.

How’re you celebrating today?
https://myoc.io/cZmL2eGyek2



NMLS # 111118

09/03/2026

Before you start browsing for homes, one of the smartest things you can do is scope out your mortgage options. Knowing what types of loans you qualify for will help you target your search and negotiate with sellers. That’s where pre-qualification and pre-approval come in. While pre-qualification doesn’t include a deep dive into your financial history, pre-approval does, giving you a more accurate view of your options.

Let’s break down the differences together.
https://myoc.io/cZmL2eGyek2/BdwKd



NMLS # 111118

09/01/2026

When it comes to finding a home, every generation looks for something different. Which group do you align with? Take the quiz to find out which generation’s house hunting style matches yours. You might be surprised!

Comment your results below.
https://myoc.io/cZmL2eGyek2/MkCfi



NMLS # 111118

08/31/2026

Be honest, did you get it before the reveal? Property taxes are sneaky like that. They can shift over time as your local assessment changes, which is one reason your monthly costs can climb even when your rate stays put. Knowing what drives those changes puts you ahead.

Drop your guess in the comments and tell me if you got it. Then reach out anytime you want to walk through what is really behind your mortgage.
https://myoc.io/cZmL2eGyek2/J2Y92



NMLS # 111118

08/27/2026

Return on investment is not the only reason to improve a home. Sometimes a project is worth it simply because it makes the place yours. What is the best or worst project ROI you have seen? Drop it in the comments.

And if you are considering a project of your own, reach out anytime and let’s talk through how it fits your bigger picture.
https://myoc.io/cZmL2eGyek2/FZzyN



NMLS # 111118

08/25/2026

HELOC (Home Equity Line of Credit) and cash-out refi get mixed up all the time, and it's easy to see why. Both are ways to make use of the equity you've built, they just work very differently. Knowing how they compare puts you in a better spot to decide what fits when your goals shift. No need to have it all figured out today.

Save this for when the time feels right, and reach out whenever you'd like to talk it through.
https://myoc.io/cZmL2eGyek2/F6ygr



NMLS # 111118

Address

350 Main Road, Suite 203
Montville, NJ
07045

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