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

Buying A Home, The 30,000 Foot View

Buying A Home, The 30,000 Foot View

Did you know that the average Canadian will spend roughly 11 months actively engaged in the house buying process? However, most of the dreaming (and preparation) happens before then. Buying a home is a big deal, and it's a decision that shouldn't be taken lightly....

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Bank of Canada Rate Announcement Dec 4th, 2019

Bank of Canada Rate Announcement Dec 4th, 2019

The Bank of Canada today maintained its target for the overnight rate at 1 ¾ percent. The Bank Rate is correspondingly 2 percent and the deposit rate is 1 ½ percent. The Bank’s October projection for global economic growth appears to be intact. There is nascent...

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7 Questions To Ask Yourself Before Building a Home

7 Questions To Ask Yourself Before Building a Home

Building your dream home can sound really exciting, but have you thought about everything that goes into building a new home? Here are 7 Questions you should ask yourself before making any concrete plans! 1. What are my expectations with this new home? Are you looking...

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Improving Your Credit Score

Improving Your Credit Score

Along with employment stability, and downpayment/equity, your credit score and how you manage your credit is a huge factor in qualifying for a mortgage. If you want the best interest rates available on the market, the higher your credit score the better. However, if...

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You Just Got a Mortgage. Now What?

You Just Got a Mortgage. Now What?

Mortgages are a funny thing. On the one hand they allow you to become a home owner without saving up enough money to purchase the home outright, which is a really good thing. On the other hand, even at today's really low interest rates, as they are amortized over a...

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Are Lenders Obligated to Renew Mortgages?

Are Lenders Obligated to Renew Mortgages?

It's a common held belief that if you've made your mortgage payments on time throughout the entirety of your mortgage term, that your lender is somehow obligated to renew your mortgage. This is simply not the case. The truth is, a lender is never under any obligation...

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Contact Me

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

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