Blog category · 2 articles
Mortgages & Financing Articles
How lenders qualify you, how rates and terms change what you pay, and the rules that differ between the US, Canada and India.
- Mortgages · USEscrow Shortage: Why Your Mortgage Payment Went Up and What to DoYour principal and interest did not change, but your payment did. Here is how the annual escrow analysis produces a shortage, what your servicer may and may not demand, and how to check the math.16 min read
- Mortgages · CanadaThe Canadian Mortgage Stress Test in 2026: Qualifying Rate, Limits and Worked ExamplesThe stress test does not change your payment. It changes how big a mortgage a lender will approve. Here is the exact arithmetic, in CAD, at three incomes.18 min read