Resources

First Time Home Buyer Incentives

If you are a First Time Home Buyer, you need to know about all the incentives available to you!
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Mortgage Financing Process

A step by step process to give you clarity of what you can expect. We are always standing by your side!
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How Does Refinancing Work?

A refinance alters the terms and conditions of your existing mortgage – it’s essentially a new mortgage.
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Mortgage Payment Frequencies

Do you ever wonder if how to pay off your mortgage sooner? You can simply change your mortgage payment freiquency.

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Co-Applicant vs Co-Signer vs Guarantor

You might be confused by all these terms but not to worry! Here is a simple explanation of each!

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What is Bridge Financing?

Are you in the process of buying a new home but need extra money to bridge the gap between selling your home and purchasing a new one?

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What is Collateral Mortgage?

When it comes to financing your home purchase, you may come across the term "collateral mortgages

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What Not to Do Between Approval & Closing

Here are 7 key tips to bear in mind during the period between mortgage approval and funding:

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Fixed vs Variable Rate Mortgages

Things to consider when comparing Fixed vs Variable Rate mortgages

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Get Approved Now with Snezhana Todorova Mortgages

Thank you for your interest in Snezhana Todorova Mortgage Team. Please fill out the contact form below and one of our team members will be in touch shortly. We look forward to helping you find the mortgage that fits your needs.

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See What Our Clients Are Saying About Us

Snezhana was amazing! Even tough we ended up not closing the deal with her, she provided us with very detailed information, was always following up to give us updates and, when it was time for our mortgage transfer, even knowing that we were doing with a different provider, she had the care to come back to ask if everything worked well and smoothly. Totally recommend her services!

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Olivia Alvarenga

Olivia Alvarenga

4 months ago

Snezhana was absolutely outstanding throughout our mortgage process. She was knowledgeable, responsive, professional, and truly worked hard to secure the best possible rate and overall value for our needs. What really stood out was her ability to provide thoughtful advice and clear recommendations while making a complex process feel smooth and manageable from start to finish. Even when navigating different options and scenarios, Snezhana remained patient, proactive, and highly detail-oriented. It was clear that she genuinely cared about finding the right solution for us, not just completing a transaction. I would not hesitate for a second to recommend Snezhana to anyone looking for expert guidance and representation for their mortgage and financial needs. A true professional, and an absolute pleasure to work with.

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Pooya Mozaffari

Pooya Mozaffari

4 months ago

I had a fantastic experience working with Snezhana. She was incredibly helpful throughout our entire mortgage renewal process and managed to secure the exact rate we wanted. Highly recommend her services!

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Spencer Alderson

Spencer Alderson

4 months ago

As first‑time homebuyers, we started this journey feeling completely overwhelmed. Everything was new, unfamiliar, and honestly a little intimidating. Working with Snezhana changed that experience entirely. From the very beginning, she broke things down in a way that made the process feel manageable and clear. She was patient, knowledgeable, and always willing to explain every step so we could make confident decisions. Snezhana was consistently responsive, organized, and proactive. We’re incredibly grateful for her expertise and care. If you’re looking for a mortgage broker who brings both professionalism and genuine support, we couldn’t recommend Snezhana more highly.

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Nancy Goncalves

Nancy Goncalves

7 months ago

I was a first time homebuyer and Snezhana was extremely helpful during my search. She provided me with lots of useful information and was exceptionally responsive whenever I had questions. She was very professional and got me the best rate for my mortgage with excellent terms. The same was true for my renewal. I highly recommend her services.

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Ev Francis

Ev Francis

5 years ago

Working with Snezhana was a game changer not only for the rates we get, but also for entire process and our understanding of how money breaks down. I think it is very helpful and insightful, especially for the first time home buyers from a different country who are not aware about all nuances how it is done here. Snezhana goes above and beyond with a daily home-to-home pre-approvals and helps with any money-related questions. She also does not afraid complications that we turns out to have and helps to negotiate everything with a lender on our behalf. Great service, very professional, we are happy clients and do recommend it to everybody!

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Dmitry Gusarov

Dmitry Gusarov

1 year ago

Working with Snezhana was a great experience as a first-time homebuyer. She was incredibly easy to speak to, always responsive, and followed up at every step of the process. What really stood out was her empathy and attention to detail—she took the time to explain everything in depth, even creating a spreadsheet to show me different payment projections based on the mortgage term I chose. With interest rates fluctuating in 2024 due to inflation, Snezhana made sure to address my concerns and kept me informed on the latest trends. Her knowledge and helpful tips along the way were invaluable. She also worked closely with my realtor behind the scenes, ensuring that all necessary information was shared to make the home-buying process as smooth as possible. I highly recommend Snezhana for a seamless and stress-free mortgage shopping experience!

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Alex Wang

Alex Wang

2 years ago

I loved working with Snezhana. She got us a great mortgage offer and made our dream home a reality. She is very kind, honest, and down-to-earth. Snezhana was always available to answer our many questions and made the whole process quick and easy. I would recommend her to anyone.

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Lina Ahmed

Lina Ahmed

2 years ago

Snezhana made the process easy for us as first-time homebuyers. She started by outlining our mortgage budget with helpful spreadsheets and video explanations. From that point on, she was with us every step of the way. She frequently checked in and supported us through every stage, from finalizing our mortgage documents to signing with our lawyer to closing. We felt she truly had our best interests at heart, and she was able to negotiate a better interest rate for us, which we really appreciated.

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Ege Sarikaya

Ege Sarikaya

2 years ago