Would you love to have your mortgage paid in full? Who is helping you get there fast? The best mortgage isn't the one with the lowest rate. It's the one with a zero balance.

In Canada, choosing a mortgage has long been reduced to one question: who offers the lowest rate? That single idea is costing you and your family hundreds of thousands of dollars and years of extra payments to the bank.

This book challenges that belief. Instead of asking, "What rate did I get?" it asks a better question: "What did this mortgage really cost me?"

In From Debt to Zero, Camilo Rodriguez introduces a simple, contagious idea: rates don't matter nearly as much as the cost of credit. By focusing on one core idea—reducing the lifetime borrowing cost—he presents a simple, proven framework, P.A.Y.O.F.F.™, that shows you how to shorten your mortgage by years, significantly reduce interest costs, and reduce the risks built into most mortgages.

Camilo Rodriguez is the founder of Mortgages Lab®, a national Canadian mortgage brokerage with over 20 years of experience and more than 1,000 clients served. He is the creator of a groundbreaking mortgage framework that is redefining how Canadians think about mortgages and home financing.

Rather than chasing rates, Camilo teaches homeowners to focus on the true cost of borrowing, guiding them toward financial clarity, control, and freedom.

An electrical engineer by training, Camilo was born in Colombia, studied in France, and has lived in Europe, Mexico, Canada, and the United States. A former President of the Canadian Mortgage Brokers Association (BC) and a lifelong soccer enthusiast, he lives in Langley, British Columbia, with his wife Ana and their two children, Pablo and Camila.