Charisse Easter - Mortgage Advisor

Charisse Easter - Mortgage Advisor Mortgage Agent - Tango Financial Mortgage (AB)

~ I will Find your Best Property Finance Fit ~

09/01/2026

Today I wanted to show you to prove how a car loan impacts what you qualify for. If there is some Mortgage Math I can do for you let’s chat! Every situation is different.

Aug 31/26 - without car loan
Annual Household Income $112,000
Downpayment saved $25,000
Debt balance $15,000

Purchase Price $500,000
Loan with default insurance $494,000
25 year amortization
4.39% today’s average 5 year fixed rate*
Monthly Mortgage $2,704
Est. Monthly Property tax $250
Est. Monthly Heat $100
Est. Monthly Total Housing costs $3,054

If that household also has a $500 a month car loan this might be what the maximum purchase price might look like:

Purchase Price $435,000 ($65,000 less)
Loan with default insurance $426,400
25 year amortization
4.39% today’s average 5 year fixed rate*
Monthly Mortgage $2,334
Est. Monthly Property tax $225
Est. Monthly Heat $100
Est. Monthly Total Housing costs $2,659

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

08/31/2026

Happy birthday to Shawn! Who is in your corner supporting your career?

08/30/2026

The Tango Yap Challenge was fun but not easy. I still don’t love being on camera 🎥 but it has gotten easier and taken me less time each day. If you are self employed challenge yourself for a month and see the changes in your comfort level.

08/29/2026

What is your favourite thrift/consignment/vintage shop in Calgary?

Here are my tips for second hand shopping:
* Go early in the week: Visit stores on Tuesday or Wednesday mornings when weekend donations have been newly sorted and restocked.

* Wear easy layers: Dress in tight or form-fitting base layers (like a tank top and bike shorts) so you can quickly try clothes over your outfit if fitting rooms are busy.

* Bring a tape measure: Keep a small tape measure in your bag to check waist sizes, inseams, or furniture dimensions without guessing.

* Check the materials: Look at the inner tags for high-quality, natural fibers like 100% cotton, linen, silk, and wool instead of cheap synthetics.

* Ignore the size label: Try items on or measure them directly, because vintage and secondhand sizing varies wildly across different decades and brands.

* Inspect for flaws: Check zippers, armpits, collars, and hems for stains, holes, or major wear before buying.

* Some stores will pay you consignment or give you a coupon when you donate. Bring some clothes you no longer wear so you can shop at an even better discount

08/28/2026

Can you use Crypto for down payment? Maybe 🤔

Not all lenders or mortgage default insurers will accept a history of cryptocurrency. The actual purchase and downpayment can not come from cryptocurrency, but you may be able to transfer it to your bank account

* AML Compliance: Lenders and brokers must rigorously vet the origin of the funds to satisfy federal anti-money laundering rules. Anonymous wallets or unverified peer-to-peer transactions will usually be rejected.
* Paper Trail: You must provide complete documentation, including trade confirmations, crypto exchange withdrawal records, and bank statements showing the deposit. All statements must be able to be connected to the borrower
* Tax Implications: Selling your cryptocurrency triggers a taxable event. You will need to calculate and pay capital gains tax to the CRA (Canada Revenue Agency) on any profits made since you originally acquired the crypto.

08/27/2026

Happy National Dog Day from Gary the Dachshund and I. If your dog would love a bigger space let’s chat so you know what you would qualify for.

08/26/2026

A first bankruptcy will be removed from your credit report 7 years after discharge (14 years after your second).

A consumer proposal will be removed from your Equifax credit report 3 years after you pay off all the debts. It will come off your TransUnion credit report the earlier of 3 years after you pay off all the debts, or 6 years after you sign the proposal.

After your bankruptcy or consumer proposal is paid you will need to rebuild your credit.

Use the 2-2-2 Strategy

Open 2️⃣ NEW forms of credit
with limits over $2️⃣,000
and spend the next 2️⃣ years paying your bill monthly.
Remember to keep your balance under 1/3 the limit.

While many Prime Lenders will not lend to a borrower with a consumer proposal on their credit report some may after 1 year of rebuild.

An alternative lender is an option that may work for you.
An alternative lender will require a minimum of 20% down payment. They will charge a lender fee at the time of financing. But with 20% down payment - mortgage default insurance may not be required.

If you feel like you are not ready to, let’s talk strategy so you can prepare for the future? Give me a call or DM.

08/25/2026

Today I wanted to show you some of the I would do to as a mortgage agent to help you qualify for a typical Detached Home in Calgary.

As you can see with more down payment we don’t need to show as much income. It may not be worth waiting to save more down payment as prices usually rise the longer you wait.

If there is some Mortgage Math I can do for you let’s chat! Every situation is different.

Aug 24/26 - Detached Home
Purchase Price $705,500
Minimum Down Payment $45,500
Loan with default insurance $686,348
25 year amortization
4.54% today’s average 5 year fixed rate*
Monthly Mortgage $3,814.03
Est. Monthly Property tax $360
Est. Monthly Condo fee $0
Est. Monthly Heat $100
Est. Monthly Total Housing costs $4,274.03
Minimum Annual Income needed $156,122
Maximum liability before we need more income or downpayment $651/month OR $21,683 debt balance

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

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

Address

101, 6420 6A Street SE, Calgary, AB T2H 2B7
Calgary, AB
T2G5E8

Telephone

+14034664167

Website

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