Dave Destefano | Professional Mortgage Broker

Dave Destefano || August 18, 2026

Canadian inflation reaches 3% as gasoline and travel costs rise

Canada's annual inflation rate rose to 3.0% in July from 2.8% in June, reaching the upper end of the Bank of Canada’s target range. The increase was slightly larger than economists expected and...

Dave Destefano || July 28, 2026

Mortgage Broker vs. Your Bank: What's the Real Difference?

Most people in Niagara get their first mortgage the same way: they walk into the bank branch where they've had a chequing account since high school and take whatever they're offered. It feels safe, it...

Dave Destefano || July 21, 2026

Drowning in High-Interest Debt? Your Home Equity Might Be the Lifeline

If you're juggling credit card balances, a car loan, and maybe a line of credit on top of your mortgage, you're not alone — and you're not stuck. For many homeowners across Niagara Falls, St....

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...