CALGARY MORTGAGE-PRESSURE ACTION AND EVIDENCE BOARD CalgaryRealEstateTips.ca working worksheet Last reviewed: July 19, 2026 PURPOSE Property and registered owners; occupancy and authority; verified lender contact; mortgage contract, type, payment, term, renewal and trigger-rate context; due dates, missed payments, arrears, interest, fees and written status; named contact, file number and communication chronology; every relief proposal with revised payment, rate, fees, capitalized amounts, total cost, amortization, restoration plan, reporting, expiry and failure consequence; income recovery and 90-day essential cash flow; complete secured and unsecured debt map; current Alberta title, mortgages, liens, caveats, judgments, tax, dower and co-owner questions; every demand, notice, court document, service, response, hearing, sale and possession date; current Calgary low-central-high value and evidence; dated payout, penalty, arrears, fees, discharge, claims and complete low-base-high usable sale net; property safety, insurance, condition, documents, repair or as-is and sale readiness; keep, prepare, controlled-sale, urgent legal or regulated-debt path and dated failure trigger; sale workback through launch, offers, conditions, lawyer, payout, closing and possession; affordable next housing, deposit, move and emergency fallback; lender, Alberta lawyer, Licensed Insolvency Trustee, mortgage, property, insurer, tax and housing responsibility map; rescue offer and title-transfer pressure; secure-channel privacy boundary; and task, evidence, owner, due date, status, outcome and fallback for every action. Use this worksheet to collect property-specific evidence and make the next decision visible. It is an educational planning aid, not legal, tax, lending, appraisal, engineering, inspection, insurance, condo-document, or other professional advice. DECISION CONTEXT Name(s): ________________________________________________ Property / community / search area: _______________________ Property type: ___________________________________________ Budget, price, or value range: _____________________________ Decision to make: _________________________________________ Deadline and reason: ______________________________________ Primary goal: _____________________________________________ What would make me pause or walk away? ____________________ TOPIC EVIDENCE [ ] Property and registered owners: ________________________________________________ [ ] Occupancy and authority: ________________________________________________ [ ] Verified lender contact: ________________________________________________ [ ] Mortgage contract: ________________________________________________ [ ] Type: ________________________________________________ [ ] Payment: ________________________________________________ [ ] Term: ________________________________________________ [ ] Renewal and trigger-rate context: ________________________________________________ [ ] Due dates: ________________________________________________ [ ] Missed payments: ________________________________________________ [ ] Arrears: ________________________________________________ [ ] Interest: ________________________________________________ [ ] Fees and written status: ________________________________________________ [ ] Named contact: ________________________________________________ [ ] File number and communication chronology: ________________________________________________ [ ] Every relief proposal with revised payment: ________________________________________________ [ ] Rate: ________________________________________________ [ ] Fees: ________________________________________________ [ ] Capitalized amounts: ________________________________________________ [ ] Total cost: ________________________________________________ [ ] Amortization: ________________________________________________ [ ] Restoration plan: ________________________________________________ [ ] Reporting: ________________________________________________ [ ] Expiry and failure consequence: ________________________________________________ [ ] Income recovery and 90-day essential cash flow: ________________________________________________ [ ] Complete secured and unsecured debt map: ________________________________________________ [ ] Current Alberta title: ________________________________________________ [ ] Mortgages: ________________________________________________ [ ] Liens: ________________________________________________ [ ] Caveats: ________________________________________________ [ ] Judgments: ________________________________________________ [ ] Tax: ________________________________________________ [ ] Dower and co-owner questions: ________________________________________________ [ ] Every demand: ________________________________________________ [ ] Notice: ________________________________________________ [ ] Court document: ________________________________________________ [ ] Service: ________________________________________________ [ ] Response: ________________________________________________ [ ] Hearing: ________________________________________________ [ ] Sale and possession date: ________________________________________________ [ ] Current Calgary low-central-high value and evidence: ________________________________________________ [ ] Dated payout: ________________________________________________ [ ] Penalty: ________________________________________________ [ ] Arrears: ________________________________________________ [ ] Fees: ________________________________________________ [ ] Discharge: ________________________________________________ [ ] Claims and complete low-base-high usable sale net: ________________________________________________ [ ] Property safety: ________________________________________________ [ ] Insurance: ________________________________________________ [ ] Condition: ________________________________________________ [ ] Documents: ________________________________________________ [ ] Repair or as-is and sale readiness: ________________________________________________ [ ] Keep: ________________________________________________ [ ] Prepare: ________________________________________________ [ ] Controlled-sale: ________________________________________________ [ ] Urgent legal or regulated-debt path and dated failure trigger: ________________________________________________ [ ] Sale workback through launch: ________________________________________________ [ ] Offers: ________________________________________________ [ ] Conditions: ________________________________________________ [ ] Lawyer: ________________________________________________ [ ] Payout: ________________________________________________ [ ] Closing and possession: ________________________________________________ [ ] Affordable next housing: ________________________________________________ [ ] Deposit: ________________________________________________ [ ] Move and emergency fallback: ________________________________________________ [ ] Lender: ________________________________________________ [ ] Alberta lawyer: ________________________________________________ [ ] Licensed Insolvency Trustee: ________________________________________________ [ ] Mortgage: ________________________________________________ [ ] Property: ________________________________________________ [ ] Insurer: ________________________________________________ [ ] Tax and housing responsibility map: ________________________________________________ [ ] Rescue offer and title-transfer pressure: ________________________________________________ [ ] Secure-channel privacy boundary: ________________________________________________ [ ] And task: ________________________________________________ [ ] Evidence: ________________________________________________ [ ] Owner: ________________________________________________ [ ] Due date: ________________________________________________ [ ] Status: ________________________________________________ [ ] Outcome and fallback for every action: ________________________________________________ CALGARY VERIFICATION CONTROL [ ] Property address, community, property type, and decision deadline are recorded. [ ] Budget, price or value range, monthly comfort, and cash reserve are separated. [ ] Current source dates and geography are written beside every market or rule-based claim. [ ] Relevant active alternatives and recent comparable transactions are identified. [ ] Financing, appraisal, insurance, legal, tax, inspection, condo, permit, or specialist questions have an assigned owner. [ ] Documents are saved in one folder with missing items and follow-up dates visible. [ ] The most expensive plausible downside has a cost range and funding plan. [ ] A credible backup property, community, timing, or transaction path is named. [ ] The walk-away or pause rule is written before urgency increases. [ ] The next review date and the evidence that would change the decision are recorded. EVIDENCE LOG Use one row per important fact. Record the source itself, not only who mentioned it. 1. Fact / assumption: ______________________________________ Source / document / professional: ________________________ Date and geography: ______________________________________ Status (known / assumed / missing): _______________________ Owner and follow-up date: _________________________________ 2. Fact / assumption: ______________________________________ Source / document / professional: ________________________ Date and geography: ______________________________________ Status (known / assumed / missing): _______________________ Owner and follow-up date: _________________________________ 3. Fact / assumption: ______________________________________ Source / document / professional: ________________________ Date and geography: ______________________________________ Status (known / assumed / missing): _______________________ Owner and follow-up date: _________________________________ RED / AMBER / GREEN DECISION BOARD GREEN - current, property-specific, understood evidence: ____________________________________________________________ AMBER - plausible but waiting on evidence or professional review: ____________________________________________________________ RED - material downside with no acceptable control or fallback: ____________________________________________________________ OPTIONS AND TRADEOFFS Preferred path: ____________________________________________ Best credible alternative: _________________________________ What the preferred path improves: __________________________ What it costs or makes harder: ______________________________ Worst plausible outcome and estimated cost: ________________ How that downside would be reduced or funded: ______________ NEXT-STEP BRIEF Current best decision: _____________________________________ Why the evidence supports it: _______________________________ Three unresolved questions: 1. _________________________________________________________ 2. _________________________________________________________ 3. _________________________________________________________ Next action: _______________________________________________ Owner: __________________________ Due: _____________________ Review trigger: ____________________________________________ Next review date: __________________________________________ PROPERTY-SPECIFIC HELP When requesting help, include the property or community, property type, budget or value range, timeline, documents available, condition deadline, and the exact decision. A useful response should produce a shortlist, risk list, valuation path, document-review path, or assigned next-step plan rather than a generic sales reply.