About Demas

Demas Lamas is no "Johnny-come-lately" when it comes to mortgage planning. He's been lending his on-the-street experience to families for years-- skillfully guiding borrowers from application to closing. Answering their questions. Explaining the numbers. Giving advice. Demas shares this wisdom: " There is always a RIGHT loan at the RIGHT time for the RIGHT reasons." More than 3500 borrowers from two generations have benefited from his "no sales pressure" approach to whats the best possible mortgage for them.

This material is not provided by, nor was it approved by the Department of Housing & Urban Development (HUD) or by the Federal Housing Administration (FHA). It is not intended to be a substitute for legal, tax or financial advice. Consult with a qualified attorney, accountant or financial advisor for additional legal or tax advice.

*There are some circumstances that will cause the loan to mature and the balance to become due and payable. The borrower(s) must continue to pay for property taxes and insurance and maintain the property to meet HUD standards or risk default. Credit is subject to age, minimum income guidelines, credit history, and property qualifications. Program rates, fees, terms and conditions are not available in all states and subject to change.

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Disclosures & Licensing

All loans are subject to property approval. Certain restrictions may apply. Rates and terms subject to change. These materials are not from HUD or FHA and were not approved by HUD or a government agency.

Compliance Information: HighTechLending, Inc., NMLS #7147 - Licensed by the Department of Business Oversight under A California Residential Mortgage Lending Act #4130937. NMLS #7147. Licensed in AZ #0912577, CA #4130937, CO #7147, FL #7147, HI #7147, IL #MD-6761112, MD #21762, NC #L-165611, NJ #7147,NM #7147, NV #4517, GA #5300 OR #ML4386, PA #4982, SC #7147, TX #7147, UT #8874117, VA #MC-5962, WA #7147. 2030 Main Street, Suite #350, Irvine, CA 92614. NMLS Consumer Access: www.nmlsconsumeraccess.org

Texas Consumer Complaint Disclosure Statement

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.

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