604-614-9500 dave@davelacusta.com

Dave Lacusta

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When it comes to choosing the right mortgage financing, I’m committed to enhancing your overall experience. I have been working as a mortgage professional since 2006 and have helped many families achieve the goal of homeownership. My understanding of, and expertise in handling mortgage financing allows me to provide clients with the knowledge and tools necessary to make educated decisions to determine the best mortgage solution to fit the specific needs of each client.

I’m an accredited mortgage professional working with Xeva Mortgage, a brokerage who is proudly affiliated with the Verico Broker Network. This means that I have access to the very best mortgage products with all the Canadian broker channel lenders. Rather than dealing with a single institution, when you work with me, I provide you with access to an incredible range of mortgage products. This ensures we will find the mortgage that best suits your needs. 

The majority of my business is either working with repeat clients, or making new relationships with referrals from my existing clients. If we have worked together in the past, or someone you know has told you to contact me for mortgage financing, I look forward to hearing from you. Please contact me anytime! 

Home Purchase

If you are looking to purchase a property, understanding all the mortgage options available to you can seem overwhelming. That’s where I come in, I do this everyday, and I love it. I will help you make sense of all the numbers guide you through the process. 

Refinance

Are you looking to access some of the equity built up in your property? Maybe you want to consolidate some debts, start a new business, buy a vacation or investment property, or travel the world… regardless, let’s discuss all your mortgage options!

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Renewal

If you are within six months of your mortgage renewal, or if your existing lender has sent you a renewal offer in the mail, I can give you a second opinion, and in most cases save you money. Never just sign the offer, there is always room to negotiate. 

Contact Me Anytime

Obviously there are a lot more services I can offer and a lot more information I can share with you. Consider this my invitation to contact me with your questions. My goal is to set you up with the right mortgage for you, then help you build a plan to get rid of it. 

Working together to make a difference!

Each quarter we donate $10,000 to a worthy cause.

I first met Dave in 2007, and have worked with him several times as I bought and sold several properties in an attempt to climb the property ladder in the lower mainland. I have found Dave to be an incredible asset and resource as I have made decisions about which mortgage product was best suited for my particular situation. It may sound cliche, but Dave really is an out of the box thinker, he found solutions for problems I didn’t know I had. His guidance has made a huge difference in my life. 

I have recommended Dave to several of my colleagues, and he has not disappointed. I have all the confidence in the world in Dave and his ability to arrange mortgage financing. 

JP

As we were buying our first home, we really had no idea what to expect with getting a mortgage, we are so happy our friend told us to give Dave a call. He did a great job explaining all our options, helped us to figure out what we could afford, and when the time came to do all the paperwork, he was very responsive and got everything done, just like he said he would. 

Thanks for everything Dave, we really appreciate all your hard work, and we loved that we could always reach you when we called, that was really awesome! We will be sure to let all our friends know that you are the best! 

Robert and Amy

Lenders

I have developed excellent relationships with lenders across the country, let’s figure out which one has the best products for you.

From My Blog

Are Mortgage Rates Really Going Up?

Are Mortgage Rates Really Going Up?

With all the economic uncertainty caused by a global pandemic, unprecedented unemployment levels, and government stimulus, mortgage rates have been on a steady decline for almost a year. In fact, we’ve hit some historic lows along the way.    Now, despite the Bank of...

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Mortgage Financing in a Competitive Housing Market.

Mortgage Financing in a Competitive Housing Market.

Canada is an interesting place to buy a property right now. If you’ve paid attention to the media at all over the last few weeks, you’ve probably heard that… Many people are still out of work due to COVID-19. The bank of Canada has forecasted rates will stay low for a...

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Using your RRSP for a downpayment through the HBP.

Using your RRSP for a downpayment through the HBP.

As the March 1st, 2021 RRSP deadline approaches for the 2020 tax season, if you have money saved for a downpayment but you’re not quite ready to buy a home, here’s a little strategy that might interest you. Did you know that you can use the money saved in an RRSP as a...

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Deposit vs Downpayment

Deposit vs Downpayment

As part of the mortgage and real estate processes, there’s a lot of confusion around the differences between the deposit and the downpayment. It's important to understand what sets them apart so you don’t get confused when it’s time to secure financing on a property...

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Planning Ahead to Get the Best Terms on Renewal!

Planning Ahead to Get the Best Terms on Renewal!

If your mortgage term is almost up for renewal, there’s a good chance you’ll be pleasantly surprised with the low-interest rates available on the market today. While the pandemic has caused a lot of economic uncertainty, the result has been very low interest rates. In...

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6 Reasons to Refinance your Mortgage

6 Reasons to Refinance your Mortgage

Is now a good time to refinance your mortgage? Well, maybe! Interest rates are very low right now, and according to the bank of Canada, they will most likely remain low until at least 2023. So while everyone has different reasons to access their home equity, to a...

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130-1152 Mainland St. 
Vancouver, BC V6B 4X2

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