--- canonical_url: https://lendb.ai/lo/demetri-charitos-196445 json_url: https://lendb.ai/lo/demetri-charitos-196445.json nmls_id: 196445 last_verified: 2026-10-30 --- # Demetri Charitos Senior Loan Officer at think one mortgage inc, Milford, DE. NMLS ID 196445 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/196445)). Demetri Charitos, NMLS 196445, works as a Senior Loan Officer at think one mortgage inc in Milford, Delaware and is licensed in Delaware, Pennsylvania and Maryland. Demetri's lender page shows a focus on renovation loan (203k / HomeStyle), VA loan and FHA loan, and Demetri works at an FHA-approved lender, per HUD. **Summary:** Demetri Charitos (NMLS 196445) is Senior Loan Officer at think one mortgage inc, based in Milford, DE. Licensed in 3 states confirmed with state regulators: Delaware, Pennsylvania and Maryland. Also lists New Jersey on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Renovation loan (203k / HomeStyle), VA loan and FHA loan. States 15 years of experience. Last verified 2026-10-30. ## Quick answers ### Is Demetri licensed in Delaware? Yes. Delaware regulator records list a license as active (verified 2026-10-30). LenDb has 3 other states on file for Demetri. Source: https://banking.delaware.gov/delaware-approved-mortgage-loan-originators/. ### Does Demetri do renovation loans (203k / HomeStyle)? Demetri's profile lists renovation loan (203k / HomeStyle) as a focus (from their lender profile page). It also lists VA loan and FHA loan. Source: https://thinkmtg.com/lo-demetri-charitos/. ### What lender does Demetri work for, and is it FHA-approved? think one mortgage inc, company NMLS 125182, from the Milford, DE office, per the lender's own site (verified 2026-10-15). Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026). Source: https://thinkmtg.com/lo-demetri-charitos/. ### How much experience does Demetri have? Demetri states 15 years of experience. Source: https://thinkmtg.com/lo-demetri-charitos/. ## At a glance - Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Years experience (stated by the LO): 15 (source: https://thinkmtg.com/lo-demetri-charitos/, verified 2026-10-15) - Licensed in: Delaware (DE, confirmed), Pennsylvania (PA, confirmed), Maryland (MD, confirmed), New Jersey (NJ, lender_reported) - Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot - License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer. - Languages: not listed (Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it.) - Profile: unclaimed - Status: active ## Specialties ### Focus (officer level: their own bio, title, certification, specialty list or claim) - **Renovation loan (203k / HomeStyle)** (`renovation`): from their lender profile page, confidence 0.90, verified 2026-10-26. Source: https://thinkmtg.com/lo-demetri-charitos/ - **VA loan** (`va`): from their lender profile page, confidence 0.90, verified 2026-10-26. Source: https://thinkmtg.com/lo-demetri-charitos/ - **FHA loan** (`fha`): from their lender profile page, confidence 0.85, verified 2026-10-26. Source: https://thinkmtg.com/lo-demetri-charitos/ ## About Demetri Charitos is a Senior Loan Officer with over 15 years of experience. They describe themselves as an FHA 203k rehab loan specialist and say they specialize in servicing veterans through VA financing. They are a preferred lender with Timberlake Home Builder and are licensed in DE, MD, NJ and PA. Source: LenDb summary of the lender page, verified 2026-10-15. ## Facts from the lender page and intro - years_experience: 15. Source: https://thinkmtg.com/lo-demetri-charitos/, verified 2026-10-15. - other: preferred lender with Timberlake Home Builder. Source: https://thinkmtg.com/lo-demetri-charitos/, verified 2026-10-15. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | DE | Delaware regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-30 | | PA | Pennsylvania regulator | state_license | 30399 | active | confirmed | | state_regulator | 2026-10-16 | | MD | Maryland regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-26 | | NJ | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | ## Employment history - ? to present: think one mortgage inc (NMLS 125182), Milford, DE. Source: https://thinkmtg.com/lo-demetri-charitos/, verified 2026-10-15. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/196445 ## Contact - View profile at think one mortgage inc: https://thinkmtg.com/lo-demetri-charitos/ - Office phone and Email on file: shown at https://lendb.ai/lo/demetri-charitos-196445#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/196445 - state_regulator: https://banking.delaware.gov/delaware-approved-mortgage-loan-originators/ - state_regulator: https://data.pa.gov/d/tyxc-jyug - state_regulator: https://www.labor.maryland.gov/finance/ - lender_site: https://thinkmtg.com/lo-demetri-charitos/ - HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot Cite as: Demetri Charitos (NMLS 196445), think one mortgage inc. LenDb.ai, https://lendb.ai/lo/demetri-charitos-196445, last verified 2026-10-30. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._