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

11 days 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

17 days 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

19 days 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

3 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

I really like dealing with Snezhana.. She is patient with me and provides details and information unbeknownst to the average person. Talks to you more like a friend than a mortgage broker. I feel she is always doing what is best for me.

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Tony Scicchitano

Tony Scicchitano

6 months ago

Snezhana, you've been an incredible Mortgage Broker for our clients. I never worry once I connect you and know they are in good hands. Thank you!

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Mary Nacarato

Mary Nacarato

6 months ago

Snezhana has been assisting many of my clients over the years. She is super thorough, knows what is needed to avoid hiccups in the transaction and is great at follow up. What many of my clients like is the comprehensive spreadsheet she provides them with what their monthly costs will be depending on which purchase price they end up buying at. She even runs the numbers again when they have found "the one" so they truly know what they're getting in to. This is super helpful and I've not seen conventional banks offer anywhere near the service that she does.

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Bernadette Dayman

Bernadette Dayman

6 months 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

6 months ago