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

3 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

3 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

3 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

6 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

Snezhana is quite the professional mortage broker! It's been a pleasure working with her and referring my clients to her for the past 10 years. She's trustworthy, patient and thorough and takes the time to listen and understand the needs of my clients and comes back with ideal solutions for them. I would highly recommend Snezhana!

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Taleen Chouljian

Taleen Chouljian

9 months ago

Snezhana is exactly who you want by your side as you navigate acquiring a mortgage and scoping out which lender is the best choice for you. She's highly knowledgeable, very thorough, and extremely patient. We feel very confident that we are getting the best rate and taking the right steps towards our goals. We highly recommend Snazhana's services!

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Audrey Thomas-Ashman

Audrey Thomas-Ashman

10 months ago

Snezhana was excellent in helping us with our new mortgage. Next time I need a mortgage I'll use her services again.

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Alex Massiah

Alex Massiah

11 months ago

Amazing professional, always on top of things. Great communication.

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Julio

Julio

1 year ago