Dave Destefano | Professional Mortgage Broker

Dave Destefano || July 14, 2026

Fixed vs. Variable: Which Mortgage Is Right for You?

It's the question I get asked more than any other as a mortgage broker in Niagara Falls: "Dave, should I go fixed or variable?" And my honest answer is always the same — it depends on you. Not on what...

Dave Destefano || July 07, 2026

Buying Your First Home in Niagara: Where to Actually Start

If you're thinking about buying your first home in Niagara, you've probably already fallen down the rabbit hole of listings, rate charts, and conflicting advice from friends and family. Let me...

Dave Destefano || June 30, 2026

Your Mortgage Is Up for Renewal in Niagara? Don't Just Sign the Letter

Every year, thousands of homeowners across Niagara Falls, St. Catharines, Welland, and the rest of the Niagara Region receive a renewal letter from their lender, glance at the rate, sign it, and mail...

Dave Destefano || June 24, 2026

What a Mortgage Pre-Approval in Niagara Really Means (and What It Doesn't)

"I'm pre-approved, so I'm guaranteed the mortgage, right?" As a mortgage broker in Niagara Falls, I hear some version of this every month, and it's one of the most important misunderstandings in the...