Cristina Acosta
Mortgage Associate · English, Español
Newcomers on work permits or PR, first-time buyers, renewals and refinances.
Mortgage Associates in Calgary · English and EspañolMortgages, explained.
Mortgages, explained.
Every step.
Three licensed Mortgage Associates who plan the mortgage around your life, then walk you through every document, condition and decision until the keys are in your hand.
Which step are you on?
- Three licensedMortgage Associates, licensed by RECA
- Enrich Mortgage GroupIndependently owned & operated network member of Mortgage Alliance
- English and EspañolMeetings, documents and calls in your language
- Evenings and weekends8 am to 8 pm weekdays, 8 am to 1 pm weekends
Understand every step
Seven steps. You will know where you are in every one of them.
Here is how it goes for first-time buyers. Choose a different situation above and the steps change with it.
Conversation
What you can afford, honestly, before you fall for a listing.
Review
Down payment, credit and the programs you qualify for.
Strategy
Your options across lenders, not one bank’s menu.
Application
A pre-approval you can shop with.
Approval
Conditions explained line by line.
Close
Lawyer, realtor and lender coordinated to your closing date.
Ongoing
Your first renewal, planned from day one.
Mortgages by situation
Start from your situation, not from a product name.
Every mortgage we arrange starts with one of these. If yours is not here, it is in the full list, from bridge financing to spousal buyouts.
First-time buyers
Down payment, programs, pre-approval and what happens after your offer is accepted.
See the stepsNew to Canada
Work permit, PR or citizen: which lenders accept your status and your income history.
See the stepsSelf-employed
Your tax return is not your income. We show lenders the business behind it.
See the stepsRenewal and switch
Your renewal letter is an offer. We check it against the market before you sign.
See the stepsRefinance and equity
Debt consolidation, renovations, a second property: the cost of each way to use your equity.
See the stepsInvestment properties
Cash flow first, then the property. Rental income rules by lender.
See the stepsCommercial
We assess the file and coordinate with commercial specialists when the deal calls for one.
See the stepsEvery other situation
Bridge, purchase plus improvements, spousal buyout, reverse, construction, rural, non-resident, switch, second opinion and more.
See the full listTry the numbers
What would the payment be?
Move the sliders. The number updates as you go, including mortgage insurance when the down payment is under 20%.
Estimated payment
$3,001/ month
- Mortgage amount
- $495,000
- Mortgage insurance
- $15,345 (3.10%)
- Total borrowed
- $510,345
- Total interest over the amortization
- $390,000
Estimate only, not an offer of credit. Excludes property tax, insurance and condo fees. Constants verified 2026-09-16.
Why people work with us
It is more than the rate. It is how the whole thing feels.
Meetings take the time they need
A bank appointment is a race against the clock. Ours ends when your questions do.
We answer in the evening and on weekends
Most people can only deal with a mortgage after work. So that is when we work.
We tell you when the right move is to wait
Sometimes the honest advice is not to buy yet. We would rather earn a client next year than a deal today.
We have been newcomers ourselves
We know what a Canadian lender needs to see from a foreign income history, because we have lived it.
The product a single bank cannot offer
A bank sells its own shelf. We have access to 249 lenders through Mortgage Alliance, so the file goes where it fits.
You always know what is happening
Every update, every condition, every next step, explained before you have to ask.
The team
Three Mortgage Associates. One way of working.
Choose whoever fits your situation or language. You get the same process, the same honesty and the same answers on a Sunday morning.
Juan Acosta
Mortgage Associate · English, Español
First-time buyers, self-employed income, and files a bank has already declined.
Sheryl Beaver
Mortgage Associate · English
First-time buyers, self-employed professionals, refinancing and home equity.
Renew smarter
When does your mortgage renew?
Tell us the month. Ninety days before it, we check what your lender offers against the whole market and send you the comparison. No obligation, no forms until then.
Learn
The questions from the first meeting, answered in writing.
Before you buy
What you need to get pre-approved in Alberta
Income, down payment, credit, ID and the documents lenders ask for, in the order they ask.
Read the guideBefore you buyClosing costs in Alberta: no land transfer tax, but not zero
Legal fees, title registration, appraisal, adjustments and what to have in cash on closing day.
Read the guideOwning and renewingYour renewal letter: what to do 120 days before
Why the first offer is rarely the best one, and how switching works without a lawyer.
Read the guideStart
Ready when you are.
Choose who you would like to talk to, then how. A first conversation costs nothing and commits you to nothing.
Cristina
Newcomers on work permits or PR, first-time buyers, renewals and refinances.
English · Español
Juan
First-time buyers, self-employed income, and files a bank has already declined.
English · Español
Sheryl
First-time buyers, self-employed professionals, refinancing and home equity.
English