mortgage blogvideos & articles: tips & advice Mortgage Broker vs Banks: 3 Reasons to use a Broker Victor Camba B.Eng • May 16, 2022 • Mortgage EducationMortgage broker vs banks: which one should you use to get a mortgage in the Greater Toronto Area? In this video, I’m … Halloween 2021 Mortgage Horror Stories Victor Camba B.Eng • October 31, 2021 • Mortgage EducationTime for some Halloween 2021 Mortgage Horror Stories! Beware these pitfalls, so that your mortgage doesn’t come back to haunt you! Mortgage Stress Test Change To Impact Canadian Buying Power Victor Camba B.Eng • April 19, 2021 • Mortgage EducationNews for Canadians is the proposed increase in the mortgage stress test level on June 1, 2021. How will this impact your purchasing power and ability to qualify for a mortgage? New mortgage agent in Ontario? 5 STEPS to NAIL the interview! Victor Camba B.Eng • April 19, 2021 • Mortgage Agent TrainingThinking of becoming a new mortgage agent in Ontario? Passed the REMIC exam? 5 steps on how to prepare for and NAIL the for the interview. GDS & TDS Ratios – Calculate Yours BEFORE Shopping For A Mortgage Victor Camba B.Eng • March 31, 2021 • Mortgage Education, UncategorizedShopping for a mortgage approval in Toronto? First, calculate your Gross Debt Service and Total Debt Service ratios (Or GDS & TDS). How Much House Can I Afford? (Canada 2021 Mortgage Tips) Victor Camba B.Eng • February 2, 2021 • Mortgage EducationThinking of buying a house in Toronto or the GTA? Before you go shopping, learn 3 easy steps to find the maximum price house you can afford. Canadian Mortgage Stress Test 2021 Victor Camba B.Eng • January 28, 2021 • Mortgage EducationLearn about the Canadian Mortgage Stress Test 2021 rules and how they apply to get you approved for a Canadian bank mortgage. 5 Tips to Get a FAST Private Mortgage Approval Victor Camba B.Eng • January 7, 2021 • Mortgage Agent Training5 Tips for Toronto/GTA mortgage agents to get a fast private mortgage approval for their clients. How to get a commitment without an appraisal. Mortgage Agent Training Series. Is debt consolidation worth it? 3 Ways for Homeowners! Victor Camba B.Eng • December 28, 2020 • Private and Second MortgagesToronto & GTA Homeowners: 3 ways of debt consolidation to reduce your monthly payments, and how to determine which option is right for you. How to get YOUR Best Second Mortgage Rate Victor Camba B.Eng • December 9, 2020 • Private and Second Mortgages“What’s my best mortgage rate?” This is the top question asked by borrowers shopping for a second mortgage. In this video, you'll learn how a lender determines your mortgage rate. What are they looking for? And why do rates differ so much from lender to lender? Mortgage Horror Stories – And How to Avoid Them! Victor Camba B.Eng • October 29, 2020 • Private and Second MortgagesAs Halloween approaches, some of us like a good horror story or scary movie. However, none of us would actually like to experience one, especially when it comes to financing a home. Dim the lights, cue spooky music, and prepare for a few bone-chilling stories... 1 in 5 at High Risk of Mortgage Default Victor Camba B.Eng • October 13, 2020 • Private and Second MortgagesTwo RBC Capital Market analysts report Canadian mortgages are at risk of mortgage default. As the COVID-19 pandemic continues to exert financial pressure, homeowners tap into their home equity to help weather the storm.