David DeMars NMLS #581594

David DeMars NMLS #581594 Mortgage Loan Originator NMLS #581894 As a licensed mortgage loan originator, I support my clients from pre-approval all the way through closing.

Whether you are a first time home buyer or a seasoned home owner, you can trust me with all of your home financing needs. IL LIC # 031.0037358 / IN LIC # 24538 / NC LIC # I-165598 / WI LIC # 581894

loanDepot is America’s lender, offering home purchase and refinance loans, personal loans and home equity products nationwide. Our mission is to be your lender of choice by operating on sound principl

es of exceptional value, ethics and transparency. Licensed in all 50 states, loanDepot employs more than 6,000 people, and operates more than 180 lending stores nationwide. loanDepot, LLC, NMLS #174457. loanDepot.com, LLC, 26642 Towne Centre Drive, Foothill Ranch, CA 92610. All rights reserved. NMLS #174457 (www.nmlsconsumeraccess.org). For more licensing information, please visit www.loanDepot.com/licensing.

08/14/2026

🏡 "Just because you can buy a certain home doesn't mean you should."
One of the biggest mistakes homebuyers make is shopping based solely on what they qualify for instead of what fits the life they want to live.
Before choosing a home price, ask yourself:
✈️ Do I want money left over for vacations? 🎯 Hobbies and weekend adventures? 💰 Savings, investments, or future goals?
🏠 A comfortable lifestyle without financial stress?

The right home isn't just one you can afford on paper. It's one that allows you to enjoy life, build wealth, and sleep well at night.

A mortgage payment is only part of the picture. Property taxes, insurance, maintenance, and unexpected expenses all matter too.

The goal? Find a home that supports your life, not one that stretches it too thin.

Thinking about buying? Let's talk through your options and find a payment that feels right for you, not just your budget. 📲

08/07/2026

🤔 Will paying off your credit cards help you qualify for a mortgage?

The answer might surprise you: Sometimes yes, but not always in the way you think.

Reducing credit card debt can improve your financial picture and increase your mortgage options. However, keeping enough cash on hand for your down payment, closing costs, and reserves is just as important.

Every buyer's situation is different.

🏡 If homeownership is on your radar, let's create a game plan that sets you up for success before you apply.

📲 Send me a message with your questions! (630) 788-9670 [email protected]

08/06/2026

Most homeowners don't realize that making even a small extra principal payment can create a BIG long-term impact. 💰🏡

✅ Pay less interest over the life of your loan
✅ Build equity faster
✅ Potentially shave years off your mortgage term

Whether it's one extra payment a year or just adding a little extra to your monthly payment, every dollar applied to principal helps reduce your loan balance faster. And because mortgage interest is calculated on the remaining balance, less balance means less interest over time.

The best strategy depends on your financial goals and monthly budget, but understanding your options can put you on the path to building wealth sooner.

💡 Have you ever calculated how much an extra payment could save you? You might be surprised!

08/05/2026

What does "home" mean to you? ❤️

For 21% of homebuyers, the biggest motivation isn't square footage, granite countertops, or a big backyard...

It's having a place to truly call their own.

A home is where memories are made, milestones are celebrated, traditions begin, and dreams take shape. It's your safe place, your investment in the future, and a space that's uniquely yours.

✨ If homeownership is on your vision board, let's make it happen. Whether you're buying your very first home or looking for your next chapter, I'm here to help you explore your financing options and create a plan that fits your goals.

📩 Send me a message and let's start turning your dream into an address. [email protected] or (630) 788-9670.

08/03/2026

🏡 Do I Really Need a Home Inspection on a Brand-New Construction Home? 🤔

Many buyers assume a newly built home is perfect because no one has lived in it yet. But the truth is, even brand-new homes can have construction defects, overlooked issues, or items that need adjustment before closing.

✅ A professional home inspection gives you an independent evaluation of the property.
✅ It can uncover concerns that may need repair or further review. ✅ It helps you make a more informed decision and can reduce costly surprises after move-in.

For most buyers, a home inspection is a small investment that provides valuable peace of mind during one of life's biggest purchases.

Would you skip a home inspection on a new construction home? Let me know your thoughts below! 👇 [email protected] or (630) 788-9670

06/18/2026

📢 **FED HOLDS RATES STEADY — WHAT DOES IT MEAN FOR YOU?** 📢

The Federal Reserve has voted unanimously to keep the Federal Funds Rate unchanged at **3.50%–3.75%**, marking the **fourth straight meeting** without a rate change after last year’s cuts.

🏦 This was also **Kevin Warsh’s first meeting as Fed Chair**, giving markets an early glimpse into his leadership approach.

💬 Warsh emphasized that the Fed will continue to focus on **price stability** and announced **five new task forces** aimed at improving:
✅ Fed communications
✅ Economic data collection
✅ Balance sheet management
✅ Productivity & jobs analysis
✅ The Fed’s inflation framework

📈 While the Federal Funds Rate doesn’t directly determine mortgage rates, it plays a major role in shaping borrowing costs and the overall interest rate environment.

🔑 **The takeaway:** The Fed is holding steady for now, but significant changes may be coming to how it evaluates economic conditions and communicates future policy decisions. Markets and homebuyers will be watching closely.

🏡 Thinking about buying, selling, or refinancing? Understanding rate trends can help you make smarter financial decisions.

Address

807 W Devon Avenue
Park Ridge, IL
60068

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 8am - 8pm
Sunday 8am - 8pm

Telephone

+16307889670

Website

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