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Monday 9am - 9pm Tuesday 9am - 9pm Wednesday 9am - 9pm Thursday 9am - 9pm Friday 9am - 9pm Saturday 9am - 9pm Sunday 9am - 9pm

Lucas DeSousa - DLC Producers West Financial - Mortgage Broker

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Canada
Langley, BC
Lucas DeSousa - DLC Producers West Financial - Mortgage Broker

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Mortgage Broker 🏡 Helping you buy, refinance & renew with confidence.
💡 Did you know?

Dominion Lending Centres funds more mortgages annually than any Canadian bank, trust company, or credit union — and is publicly traded on the TSX!
📩 Message me!

10/28/2026

The Bank of Canada raised its overnight rate from 2.25% to 2.50%. It was largely expected, and it doesn’t mean variable is suddenly a bad option or that you need to rush into a fixed rate.

What it means depends on your mortgage type. A variable with a fixed payment generally stays the same, with more going to interest. An adjustable will see its payment increase.

Not sure which one you have? DM me and I’ll check yours. Let’s chat! 📩

10/09/2026

Most people assume a mortgage means walking into their bank. But there are three types of lenders, and the one that says yes depends on your income, your credit, and the property, not just a score. Banks only offer what they offer. As a broker, I can look across all three and find the one that fits.

DM me “LENDING” and I'll tell you where your situation likely lands. 📩

10/06/2026

Why I became a mortgage broker. The real story, starting from when I was 8 years old. 🏡

09/28/2026

If your home is energy-efficient, you could be owed thousands back through a federal mortgage insurance refund, but you only have 2 years from closing to claim it. A lot of people miss this entirely because nobody tells them it exists.

DM “ECOREBATE” and I'll help you find out if you're still eligible. 📩

09/21/2026

Getting pre-approved feels like the finish line, but it's really just the start of the real process.

DM me “STAGE” and I'll tell you what to expect at your specific point in the process. 📩

09/18/2026

Most people budget for their mortgage payment and stop there. But taxes and insurance are real monthly costs too, and they add up fast. Here's an estimated breakdown on a $700K home so you can see the whole picture, not just one number.

DM me “MATH” and I'll run your actual numbers. 📩

09/17/2026

A banker can only offer you their bank's own products. A broker works for you, not one lender, and can shop your file across 90+ options to find the best fit - and it costs you nothing, since lenders pay us, not you.

DM me “BROKER” and I'll break down what that actually means for your situation. 📩

09/15/2026

A co-signer isn't just backup - they're fully on the hook for your mortgage too. It affects their credit, their own ability to borrow, and what happens if anything changes down the road.

DM “COSIGN” and I'll walk you through what it actually means for both of you. 📩

📞778-829-6526
📧[email protected]
🌐Lucasdesousa.ca

09/12/2026

Your income isn't the only thing that decides what you qualify for. Lenders run two ratios - GDS and TDS - and your existing debt can shrink your number more than people expect.

DM “RATIOS” and I'll walk you through what yours would look like. 📩

09/10/2026

If you've been putting off even looking into a mortgage because you're not sure your credit is "good enough" — The truth is, there's no universal number that decides that. It depends on the lender, and your score is only one part of the full picture.

DM me “CREDITSCORE’ and I'll tell you where you actually stand. 📩

Address

Langley, BC

Opening Hours

Monday	9am - 9pm
Tuesday	9am - 9pm
Wednesday	9am - 9pm
Thursday	9am - 9pm
Friday	9am - 9pm
Saturday	9am - 9pm
Sunday	9am - 9pm

Telephone

+17788296526

Website

http://lucasdesousa.ca/

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