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Dave DeStefano Mortgage Broker Niagara

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Niagara Falls, ON
Dave DeStefano Mortgage Broker Niagara

Niagara Mortgage Broker
Top 5% in Mortgage Production Nationally
TMG The Mortgage Group
Team Lead NF He can also help you pay off your mortgage faster!

Dave DeStefano Mortgage Broker in Niagara Falls can help you secure a mortgage that meets your needs. Many people just head to their local bank branch when they need a mortgage and accept whatever they are offered. By doing this, you may be agreeing to terms that don't really work for you and/or a higher interest rate that will add time to the length of your mortgage. As a broker with over twelve years in the business, Dave DeStefano has a great rapport with a network of lenders, including big banks, credit unions, trust companies, financial institutions and private funds. He will work on your behalf to help you find the best mortgage, with the most agreeable terms and the lowest interest rate. Dave DeStefano's office is located at 6293 Thorold Stone Road in Niagara Falls. For more information or to make an appointment, call 905-933-1090.

11/04/2026

Your first home might be a future plan, but this deadline belongs on your calendar now. 🗓️

December 31 is the deadline to make FHSA contributions you can deduct on your 2026 tax return. Unlike an RRSP, there’s no extra 60-day window.

Haven’t opened one yet? If you’re eligible, opening an FHSA this year starts your contribution room, even if you’re not ready to contribute.

Let’s talk about your first home and how to start working towards it. Send me a message!

11/02/2026

A rate increase doesn’t look the same for every homeowner. 🏠

The impact on your mortgage depends on the type you have, your lender and where you are in your term.

Wondering what this means for your payments or an upcoming renewal? Send me a message. I’ll help you understand your mortgage and talk through your options.

08/03/2026

That “dated” bungalow everyone’s scrolling past? It might be the smartest buy in Niagara right now. 🏡

Buyers in 2026 are using AI design tools to see past the oak cabinets and wallpaper — visualizing exactly what an older, structurally sound home could be before they even make an offer.

And here’s where I come in: with a Purchase Plus Improvements mortgage, you buy the older home at a discount and roll the renovation costs right into your mortgage. One payment. Your design. No overpaying for someone else’s flip.

Established neighbourhood. Mature trees. Your dream kitchen. It’s all possible.

📲 Curious if this strategy works for you? Let’s chat.

07/31/2026

💳 Your credit score doesn’t have to be perfect to put you in a great position.

One of the biggest misconceptions I hear is that you need an 850 credit score to qualify for a mortgage. The reality? For many buyers, reaching the 680 mark can unlock access to the best A-lender rates and default mortgage insurance options.

If your score isn’t there yet, don’t assume homeownership is out of reach. A few strategic changes, like lowering your credit utilization and making payments on time, can make a meaningful difference over the next several months.

Not sure where you stand? Let’s build a plan to get you mortgage-ready.

07/29/2026

A great day on the course for an even greater cause! ⛳

I was happy to be a hole sponsor at the BGC Niagara 3rd Annual Golf Tournament at The Hawk Golf Club. It was great to see so many people come together to support BGC Niagara and the important work they do for youth in our community.

Thank you to everyone who helped organize such a fantastic event. Already looking forward to next year!

07/27/2026

💭 What would you tell your younger self about buying a home?

For me, it’s simple: stop trying to perfectly time the market.

The buyers who build long-term wealth usually aren’t the ones who waited for the “perfect” moment. They’re the ones who bought what they could comfortably afford, held onto it, and let time do the heavy lifting.

No one has a crystal ball. Focus on buying the right home for your budget, not predicting tomorrow’s headlines.

What advice would you give your younger self? Share it in the comments.

07/24/2026

Your feedback means more than you know. ⭐

If we’ve worked together on your mortgage, I’d truly appreciate you taking a moment to leave a Google review. Your experience helps others feel confident taking the next step toward homeownership, and it allows me to continue helping more people reach their goals.

Thank you for your trust and support!

07/22/2026

One of the biggest myths I hear is that you need a 20% down payment to buy a home. In many cases, qualified buyers can purchase with much less, depending on the property price and their financial situation. 📊

Putting down less than 20% typically means mortgage default insurance is required, but it could also help you enter the market sooner and begin building equity.

Let’s look at the actual numbers and create a plan that works for your budget.

07/20/2026

What’s stopping you from buying a home right now? A, B, C or D? 👇

Whether it’s the down payment, today’s rates or simply not knowing where to begin, the first step is understanding your options. Let’s have a conversation and build a plan that gets you closer to homeownership.

07/17/2026

Waiting for the “perfect” time to buy can often cost more than making a well-planned move today.

If you’re financially stable, can comfortably afford the payment and plan to stay in the property for at least five years, buying now may make more sense than trying to predict a market crash.

Let’s look at the numbers and decide what works best for you. 📊

Address

6293 Thorold Stone Road
Niagara Falls, ON
L2J1A6

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

http://www.davedestefanomortgages.com/

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