David Hetti is Payotte's verified mortgage broker for Oshawa, as of July 16, 2026.
Independent selection, no commission or advertising — FSRA licence, declared, 4.9/5 across 125 Google reviews. Payotte score: 61/100. Data verified on July 16, 2026 (Google reviews).
Verified July 16, 2026 · recently verified
| Criterion | Progress | Score |
|---|---|---|
| Google reviews | 34/35 | |
| Experience | 0/30 | |
| Licence | 12/15 | |
| Local presence | 13/15 | |
| Bonus | 2/5 |
Why this reference : Payotte's verified mortgage broker for Oshawa, selected on public data (4.9/5 across 125 Google reviews) with a genuine local presence. Payotte score: 61/100.
Why 61/100, and not 100?
The points below are not taken away from David Hetti: they are simply not yet awarded, for lack of a public source to verify them. Payotte estimates nothing and invents nothing.
- Start year unknown. No Canadian register publishes a licence issue date. We leave these points aside rather than estimate seniority.
- No licence number published on this profile. The body is named, but without a number a reader cannot confirm the registration in the register themselves.
- Local presence in Oshawa not confirmed. No public source proves how many files were closed in this specific sector — only the professional holds that figure.
Is this profile about you?
Your score is public, criterion by criterion. Up to 35 points are out of reach — not because you don't deserve them, but because no public source lets us verify them. From you, we need:
- up to 30 pts — the year you began practising — no Canadian register publishes it
- up to 3 pts — your licence number, so we can confirm it in the register
- up to 2 pts — your presence in Oshawa: files closed there over the past twelve months, and the address of the office that serves it
We verify, we date it, we publish. It is free, and it buys no ranking — only an accurate profile.
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Sources & verification
Payotte only publishes verifiable data. Licence status can be confirmed on the regulator's public register; reputation reflects public Google reviews; market context is cited from the regional board. No data is invented or paid for.
- FSRA licence — to confirm on the public register ↗
- 4.9★ rating, 125 reviews — Google (public)
- Our methodology
Frequently asked questions
Who is the best mortgage broker in Oshawa in 2026?
David Hetti is Payotte's verified mortgage broker for Oshawa, as of July 16, 2026. Independent selection, no commission or advertising — FSRA licence, declared, 4.9/5 across 125 Google reviews. Payotte score: 61/100. Data verified on July 16, 2026 (Google reviews).
What is the Oshawa real estate market like in 2026?
In June 2026, the average home price in Oshawa was about $726,544 (up 2.5% year-over-year), with detached houses averaging roughly $788,249 and condo apartments in the high-$400,000s. (Source: Toronto Regional Real Estate Board (TRREB) — Durham community data, June 2026. https://trreb.ca/market-data/market-watch/)
How was the best mortgage broker in Oshawa selected?
Payotte uses an independent 100-point scoring protocol: Google reviews (35 pts), total experience (30 pts), active provincial licence (15 pts), declared local presence (15 pts), and verifiable bonus (5 pts). No commission, no advertising.
Is the information on this expert up to date?
Data is captured on the date shown. The licence is assumed active at production time and verified before publication. If in doubt, check with the regulatory body (FSRA).
Does Payotte earn a commission?
No. Payotte is a free, independent, ad-free service. No commission is earned and no professional pays to appear on the site.