Charisse Easter - Mortgage Advisor

08/24/2026

It would be great to see some familiar faces at the Hudson on September 2! Sometimes our industry focuses on the hustle. What if we can do things in a way that doesn’t take as much time. What if we place a focus on our mental wellness.

08/23/2026

133 bikes on the road for a good cause on a great day! So proud of Shawn for being the second runner up for funds raised. Chelsea has the coolest helmet! Brenda was the honourary ride captain today. My Grandpa straps his walker on the back of the bike because he loves to ride so much. He just had his licence renewed until his 100th birthday

08/22/2026

If you don’t have a will please get one. And keep a copy with a person you trust. Don’t leave it in a safety deposit box that no one can access when they actually need to.

Chart: https://angusreid.org/canada-will-testament-intestate-dying-without-will/



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08/21/2026

One of the more challenging and document-heavy parts of qualifying for a mortgage is proving your down payment history. The reason that we need to provide so much paperwork is that the government requires all mortgage lenders to show 90 days history for down payment funds because of Canada’s anti-money laundering (AML) regulations put in place by the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC).

The government requires lenders to show this proof during an audit, and they can be fined a significant amount if they do not have that proof of fund history available. The lenders ask for history on any large or frequent deposits not easily explained (like a paycheck). This is not a reflection of your character in any way. This is a policy applied to all people seeking a mortgage and is enforced by the government of Canada.

The entire funds do not need to have been in your account for the full three months, but you need to show a gradual accumulation of the down payment saved and any large deposits or transfers to your account will need to be explained with documentation. If you transfer money from one account to another we need to show 90-days history for EVERY account the downpayment funds have touched.

If you plan to buy a home in the next year let’s talk about how we can make this process as easy as possible now so it takes way less paperwork and time when you put in an offer

08/20/2026

Your accountant and I look at your income differently but we do agree on one thing >>> We BOTH want to save you money.

Prime lenders like the banks look at tax documents and company financials, but the alternative lenders that mortgage brokers work with give us more flexibility. They may review bank statements instead of tax documents. Alternative lenders will charge a lender fee and have slightly higher interest rates but this may allow you to save thousands of dollars in taxes. You will not have to pay taxes on that extra income we are trying to use to qualify for the mortgage you want.

Introduce me to your accountant and I can ask them for the documents I need to get the math started.

08/20/2026

Next week I am volunteering and my husband is riding at the Ride for Dad in Red Deer. This ride benefits Prostate cancer research and support in Canada, a cause that is close to our hearts. If you are able this is where you can donate:

Support My Journey I recently accepted the challenge to participate in this incredible ride, and I invite you to join me in supporting a cause that touches the

08/19/2026

The first step to getting a mortgage in Canada is to build your credit rating. A strong credit rating will help you get a better mortgage rate, which could save you thousands of dollars in interest charges over the life of your mortgage. Here are the basics to start the process

✅ Apply for credit (every person with income should do this)

✅ Use and pay off a credit card each month

✅ 2 forms of credit with $2,000+ limit is ideal. Please keep balance below $1,000

✅ Pay your bills in full and on time, including rent, utilities, insurance and phone services

✅ Pay bills with e-transfer rather than cash so we can show the history on bank statements

✅ Prove that you have a consistent source of income, by staying with the same employer for an extended period of time. If your employer can guarantee hours or salary we can use this income to qualify without needing 2 years history.

08/18/2026

Today I wanted to show you some of the I would do to as a mortgage agent to help you qualify for a typical Townhome Condo in Calgary. If there is some Mortgage Math I can do for you let’s chat! Every situation is different.

Aug 17/26 - Townhome Condo
Purchase Price $420,000
Minimum Down Payment $21,000
Loan with default insurance $414,960
25 year amortization
4.39% today’s average 5 year fixed rate*
Monthly Mortgage $2,271.38
Est. Monthly Property tax $210
Est. Monthly Condo fee $500
Est. Monthly Heat $100
Est. Monthly Total Housing costs $3,082
Minimum Annual Income needed $101,905
Maximum liability before we need more income or downpayment $424/month OR $14,153 debt balance

If you find a condo with lower condo fees of $250 it may allow us to show $4,000 less in annual household income to qualify

*notes: rates are subject to change without notice and subject to lender qualification requirements.

08/17/2026

Looking for real advice from mortgage advisors? Check out to get to know me and some of my amazing colleagues.

Thank you to Tracy Regier | Alberta Mortgage Broker for the 30 day challenge — you’ve pushed me outside my comfort zone, and all that practice is finally making me feel more confident on camera.

This is exactly what I love about our team at Tango Financial:
We collaborate.
We learn.
We grow.

08/16/2026

Saturday silliness with Gary the dachshund. So thankful with Gary’s preferences that we don’t live in a busy area.