DAVE LACUSTA

Simplifying the mortgage process.

CONTACT

Understanding mortgage financing can be difficult, but it doesn't have to be.

Here's the plan!

Get started right away

The best place to start is to connect with me directly. The mortgage process is personal. I'm committed to listen to all your needs, assess your financial situation, and provide you with a clear plan forward.

Get a clear plan

Sorting through all the different mortgage lenders, rates, terms, and features can be overwhelming. Let me cut through the noise, I'll outline the best mortgage products available with your needs in mind.

Let me handle the details

When it's time for arranging your mortgage, trust that I will make it happen. I'll make sure you know exactly where you stand at all times. No surprises. I've got you covered.


Everything you need, all in one place

As a trusted mortgage provider, I can help you with the following:

  • Home Purchase
  • Mortgage Refinance
  • Mortgage Renewals
  • First Time Home Buyers
CONTACT

Dave Lacusta

Mortgage Consultant

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, please contact me anytime!

If you're ready to get started, go ahead

and begin with an application. 

APPLY NOW
John Doe's Image
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

John Doe's Image
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

Mortgage Articles
Modern suburban house at dusk with lit porch, manicured lawn, and sunset sky

Can Basement-Suite Rental Income Help You Qualify for a Mortgage in Surrey?

By Dave Lacusta • November 4, 2026
Buying a Surrey home with a basement suite? Learn how lenders assess rental income, which documents to prepare and why your cash-flow budget still matters.

Bank of Canada Raises Rate to 2.5% — October 28, 2026

By Dave Lacusta • October 28, 2026
On October 28, 2026, the Bank of Canada raised its key interest rate by 0.25%, bringing it to 2.5%. If you have a mortgage, are shopping for a home, or have a renewal coming up, this decision matters. Here is a plain-language look at what changed, why it happened, and what it could mean for you.
Couple packing boxes in a bright living room, holding a clipboard and mug near a sunny window

Renewing Your Mortgage but Planning to Move? Start With Your Exit Plan

By Dave Lacusta • October 28, 2026
Renewing your mortgage before a move? Compare short terms, open mortgages and potential penalties so your next mortgage fits your Surrey selling plans.
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