Tracy Regier, Mortgage Consultant

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Tracy Regier, Mortgage Consultant Broker of Record - Tango Alberta

Compass Tango Finanicial Mortgage (AB) Corp. Owner - TR Mortgages Inc. TR Mortgages Inc.

As the Principal Broker at TR Mortgages Inc., I take pride in guiding our clients through the complex world of home financing. Our team is dedicated to empowering you with the knowledge and insights necessary to make informed decisions. We understand that every financial situation is unique, so we are committed to helping you find the mortgage product that best suits your needs and goals. Trust us to support you in achieving your homeownership dreams with confidence. The Mortgage Minds Inc. | Tango Financial | Verico

Laura Baez, thank you for inspiring me.Laura Baez is an entrepreneur and TEDx speaker, and she has built an incredible b...
10/21/2026

Laura Baez, thank you for inspiring me.

Laura Baez is an entrepreneur and TEDx speaker, and she has built an incredible business. She adores her husband, and she's raising her children with strong values and morals.

We're two Latinas building in Canadian finance, and I'm proud to call her my friend and even prouder to celebrate her here. 💙

Who's a woman who inspires you? Tag her below so we can celebrate her too.



Tracy Regier, AMP
Tango Financial Mortgage AB

New to mortgages? This one's for you.I've had the privilege of leading and coaching brokers, both brand new and seasoned...
10/21/2026

New to mortgages? This one's for you.

I've had the privilege of leading and coaching brokers, both brand new and seasoned, and here's what I'd want every new broker to hear in year one.

None of it is about being the fastest or the loudest.
It's about trust.
Clear follow-up.
Asking for help before you need it.
Knowing your lenders beyond the rate. Protecting your clients, and yourself.
And protecting your energy so you can do this work for the long haul.

Save this for your first year, and send it to a broker who's just getting started. 💙

Thinking about where you want to grow your career? I'd love to chat.

DM me "BROKER" or book a call, link in bio.

Tracy Regier, AMP
TR Mortgages
Tango Financial Mortgage AB

Me in Q4.Finishing the year the way I want to live it: calm mornings, clients first, and more time around the dinner tab...
10/21/2026

Me in Q4.

Finishing the year the way I want to live it: calm mornings, clients first, and more time around the dinner table with my family.

Quietly building, leading my team, and celebrating the wins along the way. 💙

What's on your Q4 list?



Tango Financial Mortgage AB

Reuven, thank you for being you.This year I was asked to speak on a panel about AI in the mortgage industry. So I did wh...
10/20/2026

Reuven, thank you for being you.

This year I was asked to speak on a panel about AI in the mortgage industry. So I did what always helps me prepare best: I started researching.

I didn't know Reuven at all. I reached out and asked for a few minutes of his time to hear his perspective. He gave me his time, his advice and his knowledge. He also gave me kindness, and that's what I am most grateful for. I showed up for the panel, prepared and confident.

We're all busy. But when someone asks for a few moments of your time, say yes if you have capacity. Offer guidance where you can. Help the people you're able to help. It matters more than you know. 💙

Reuven Gorsht
Mortgage Professionals Canada
Tango Financial
Tango Alberta | Mortgage Brokerage

Your mortgage may let you pay extra with no penalty. It's called a prepayment privilege, and it's worth five minutes to ...
10/20/2026

Your mortgage may let you pay extra with no penalty. It's called a prepayment privilege, and it's worth five minutes to check yours. 💙

I might be the only person who gets excited reading mortgage fine print, but this part is worth it. Here are three ways it can work:

1. Bump up your regular payment. Your contract may let you increase it by a set amount each year. Once you raise it, you usually can't lower it until the end of your term.

2. Make a lump-sum payment. A bonus, a tax refund or a gift can go toward your mortgage, up to a set amount or percentage of your original mortgage amount. Some contracts only allow it at certain times or on certain dates.

3. Switch to accelerated payments. Accelerated biweekly is half your monthly payment every two weeks, which adds up to one extra monthly payment a year. Regular biweekly just spreads the same yearly total over 26 payments. A $2,000 monthly payment is about $923.08 regular biweekly, or $1,000 accelerated. (Example only, not a rate quote.)

Before you send extra money: paying more than your privilege allows can mean a penalty, and room you don't use usually doesn't carry over to the next year. Using your privileges each year lowers your balance, so if you ever break your mortgage, the penalty is based on a smaller amount.

With a bank or another federally regulated lender, your privileges must be shown in an information box at the start of your mortgage agreement. Not every closed mortgage includes them.

Privileges vary from lender to lender, so when I compare options for you, I look at more than the rate. I work for you, with access to dozens of lenders, to find a mortgage that fits your life. Done right.

DM me "PREPAY" or book a call through the link in bio.

Save this for tax refund time, and send it to someone who just bought a home.

For information only, not financial advice. Privileges and terms vary by lender and contract, OAC.

Tracy Regier, AMP
TR Mortgages
Tango Financial Mortgage AB

Before a lender looks at the house, they look at two numbers. Most first-time buyers have never heard of them. 💙Here the...
10/20/2026

Before a lender looks at the house, they look at two numbers. Most first-time buyers have never heard of them. 💙

Here they are, in plain English:

1. GDS (gross debt service). Your mortgage payment, property taxes, heating and half of any condo fees, compared to your gross household income. The guideline is no more than 39%.

2. TDS (total debt service). All of that, plus your other debts: car loans, credit cards, lines of credit, student loans and support payments. The guideline is no more than 44%.

The one that surprises people: for insured mortgages, CMHC has lenders count at least 3% of a credit card or unsecured line of credit balance as a monthly payment. So a $10,000 balance counts as at least $300 a month.

Then there's the stress test. Banks have you qualify at the higher of 5.25% or your mortgage rate plus 2%. If your rate were 4%, you would qualify at 6%. (Example only, not a rate quote.)

You may still qualify a little above these ratios, and every lender looks at the whole picture. That's exactly why I like to run your real numbers before you start shopping. I work for you, with access to dozens of lenders, so we can find the option that fits your life.

DM me "NUMBERS" or book a call through the link in bio.

Save this for later, and send it to someone who's buying their first home.

For information only, not advice. Rates subject to change, OAC.

Tracy Regier, AMP
TR Mortgages
Tango Financial Mortgage AB

I spent yesterday at breakfast with the women in my mastermind, some of the industry leaders I admire most.Nobody at tha...
10/20/2026

I spent yesterday at breakfast with the women in my mastermind, some of the industry leaders I admire most.

Nobody at that table was trying to be the loudest. They were listening, asking good questions and lifting each other up. We shared some huge wins and took the time to really celebrate them. It was a good reminder that you don't have to be the loudest one in the room to lead it.

Quiet strength looks like this:

1. Listen first.
2. Say the hard thing, kindly.
3. Let your work do the talking.

Grateful for the women who keep me growing. 💙

What's one thing a calm leader did that you never forgot?

Tracy Regier, AMP
TR Mortgages
Tango Financial Mortgage AB

You don't have to be the loudest one in the room to lead it.For a long time, a lot of us believed leadership meant the f...
10/19/2026

You don't have to be the loudest one in the room to lead it.

For a long time, a lot of us believed leadership meant the fastest answer, the biggest voice and never looking unsure. I've learned that people don't follow volume. They follow the person who stays calm when things get messy and tells them the truth.

Quiet strength looks like this:
1. Listen first. Most problems get smaller once someone feels heard.
2. Say the hard thing, kindly. Being clear is the kind thing to do.
3. Let your work do the talking. Show up prepared, follow through and keep your word.

That's how I try to lead my team, how I work with every client and how I want to show up at home, too. Steady, honest, present. Done right.

Save this for the days you doubt your voice, and send it to a woman who leads quietly. 💙

If you'd like a calm, honest broker in your corner, book a call. Link in bio.

Tracy Regier, AMP
TR Mortgages
Tango Financial Mortgage AB

25 years or 30? A lower payment is lovely. It just isn't free. 💙Here's the example the Financial Consumer Agency of Cana...
10/19/2026

25 years or 30? A lower payment is lovely. It just isn't free. 💙

Here's the example the Financial Consumer Agency of Canada uses: a $300,000 mortgage at 4%.

• 25 years: about $1,578 a month and $173,418 in total interest.
• 30 years: about $1,427 a month and $213,560 in total interest (my math, done the same way).

That's about $151 a month of breathing room, for roughly $40,000 more in interest over the life of the mortgage.

Who can choose 30 years? With less than 20% down, it's 30 years if you're a first-time buyer or buying a new build, and 25 years in all other cases. With 20% or more down, your lender sets the maximum. If CMHC insures your mortgage, it adds a 0.20% surcharge to the insurance premium when you go past 25 years.

Neither choice is wrong. Some families need the room in the budget right now, and that's a real reason. The middle ground is often taking the lower payment and paying extra when you can. Many mortgages let you raise your payments or make lump sums each year without a penalty, but those prepayment privileges vary by lender, so read the fine print. (I know. Nobody reads the fine print for fun. That's my job.)

I work for you, and I have access to dozens of lenders, so let's find the option that fits your life. DM me "30" or book a call through the link in bio.

Save this before you sign, and send it to someone who's buying soon.

Illustrative example only, not a rate quote. Assumes the same 4% rate for the full amortization. Rates subject to change, OAC. Not financial advice.

Tracy Regier, AMP
TR Mortgages
Tango Financial Mortgage AB

4 mortgage myths worth letting go of, before you buy or renew.Most of these get passed along with the best intentions. B...
10/18/2026

4 mortgage myths worth letting go of, before you buy or renew.

Most of these get passed along with the best intentions. But a myth can quietly take options off your table.

1. "You need 20% down." In Canada, the minimum is 5% on a home up to $500,000. From $500,000 to $1.5 million, it's 5% of the first $500,000 plus 10% of the rest. Homes $1.5 million or more need 20%. Under 20% down usually means mortgage loan insurance.

2. "Pre-approved means approved." A pre-approval estimates what you may qualify for and can hold a rate for a set time. It isn't a guarantee. The lender still checks the home and your paperwork before final approval.

3. "I have to renew with my bank." You don't. You can renew, negotiate, or move your mortgage to another lender. A new lender has to approve you and switching can have costs, so compare the full picture, and start a few months before your term ends.

4. "The lowest rate is always the best deal." Prepayment privileges, the penalty for breaking early, and whether you can take your mortgage with you when you move can matter a lot if life changes.

I work for you, and you deserve more than a rate. If you're buying or renewing across Alberta, DM me "MYTHS" or book a call. Link in bio.

Save this for later, and send it to someone who's about to buy or renew. 💙

All mortgages OAC. Rates and rules are subject to change.

Tracy Regier, AMP
TR Mortgages
Tango Financial Mortgage AB

Address

Spruce Grove, AB

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Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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