Mortgages By Dess

Mortgages By Dess Mortgage Agent Level II; specializing in prime, sub-prime, alternative, and private lending

As a dynamic and versatile athlete, I thrive on embracing change and seeking new challenges. Transitioning from law enforcement to the financial world, I found the mortgage industry to be an interesting shift. My relentless drive and determination fuels my desire for helping clients achieve their investment and homeownership goals.

11/18/2025

Statistics Canada reports that 2.75 million Canadians were self-employed as of April 2025, showing an increase of almost 3% from the previous year.

Many self-employed clients are unaware that traditional banks products rely only on fully verifiable income from line 15000 of a T1 tax return, which can make qualification feel limited.

The good news is that several alternative lenders take a broader view and are able to consider your gross business earnings, recent business performance, and supporting documents that reflect your true cash flow.

With the right guidance, your self-employed income can open more doors than you think.

Turn your self-employed income into real buying power.

Desiree Davis
Mortgage Agent Level 2
Clover Mortgages #13168
(437) 829-0658

Thought I would share for those who love to watch the rates!
11/10/2025

Thought I would share for those who love to watch the rates!

11/10/2025

Home prices are dropping so now is a good time to look around and see what neighborhoods have corrected their prices to match your budget.

Another crucial update! Some banks have lowered their rates as well.
11/10/2025

Another crucial update! Some banks have lowered their rates as well.

Catching up on updates after a month of big personal changes!
11/10/2025

Catching up on updates after a month of big personal changes!

It hasn't been this affordable to own a home in Canada in three years, according to RBC Economics.
07/04/2025

It hasn't been this affordable to own a home in Canada in three years, according to RBC Economics.

"Rents have eased in part due to a surge in supply with new apartments being completed, a slowdown in population growth ...
06/13/2025

"Rents have eased in part due to a surge in supply with new apartments being completed, a slowdown in population growth and a heightened level of economic uncertainty," says Shaun Hildebrand, Urbanation president.

Average asking rents drop annually for eighth straight month to $2,129 according to monthly report from Rentals.ca

The report states that the average asking rents in Canada are 5.7% higher than they were two years ago and 12.6% above levels from three years ago.

-Canadian Mortgage Trends

The Office of the Superintendent of Financial Institutions (OFSI) will be testing Loan-to-Income limit framework until a...
06/12/2025

The Office of the Superintendent of Financial Institutions (OFSI) will be testing Loan-to-Income limit framework until at least January 2026. They are planning to shift away from the stress test criteria that is based on a minimum qualifying rate of 5.25% or 2% above the borrower's contract rate.

The loan-to-income rule limits the share of new uninsured mortgages that exceed 4.5 times a borrower's gross annual income.

-Canadian Mortgage Trends

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Toronto, ON

Opening Hours

Tuesday 8am - 8pm
Wednesday 8am - 8pm
Thursday 8am - 8pm
Friday 8am - 8pm
Saturday 8am - 8pm

Telephone

+14168356182

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