About Karista Mortgage

In today’s complicated marketplace, obtaining a mortgage can be a process that intimidates many Canadians. That’s why now more than ever, it’s essential to have an experienced, caring, professional mortgage team on your side to provide you with excellent advice for your mortgage needs.

If you are renting, we will help you buy your first home.  If you are an existing homeowner we will help you take advantage of your equity for various purposes:  to consolidate your loans into one smaller payment, renovate, invest in other properties.  If you own one property, we will help you buy your 2nd property and then your 3rd and then your fourth and beyond.

With decades of combined experience and reviewing 100 mortgages per month, there is no scenario we have not seen, meaning there is no solution that we have not already provided. Above all, we only work for you, our clients.

We are your Karista team. One Team One Dream – to Create a Positive Lasting Difference in your lives with Excellence through Caring.

The Karista Team

Terri Butcher and Kimberly Thomas are your Underwriting Managers. With over 25 years of experience, their role is to ensure we find the best mortgage and negotiate with the lenders for the best products and terms for you.

Kathy Gatmaytan and Krystle Marifosque have over 20 years of combined experience in Client Care. Their role is to ensure that we communicate with you with Caring and Excellence from your first call and throughout the life of your relationship with us.

Bernadette Laxamana

Bernadette Laxamana is the Founder and President of Karista Mortgage.  Her purpose in life is to be the Best Bernadette that she can be and create a positive lasting difference in people’s lives every day.  Because of her purpose, she’s been awarded Mortgage Broker the Year in 2017, Voted as one of Hot List and Women of Influence by CMP Magazine.  Verico Canada awarded her No. 1 in BC and No. 7 in Canada in terms of mortgage volume.  Bernadette also has the heart of a teacher – she has facilitated numerous seminars and mentorship programs and won Mortage Mentor of the year for 2016 by the Mortgage Professionals of Canada.  Working with Bernadette means working with a passionate expert who has over 15 years of experience in the industry.

Vanish Dass

Vanish Dass has over 10 years’ experience working with real estate investors and developers.  His focus is on improving the financial well-being of his clients and increasing their wealth through real estate.  He continually educating himself on the economic drivers of the local markets and then passing that knowledge to his clients.
This is well in aligned with his life purpose of being the best Vanish Dass he can be and affect the people in his life in a positive way.  Sign up for his newsletter here to be in the know with the rest of his educated clients.


Louis Wu

As a Senior Financial Advisor for a prominent financial institution, where he was persistently ranked as one of their top performers in 2014, 2015 and 2016, Louis knew he has a deep passion for helping his clients achieve their financial goals. His career has afforded him the opportunity to learn and navigate both sides of the broker equation, having worked both on the investment and mortgage lending side.

Louis brings with him over 10 years of experience, having built a respectable client base with his wealth of knowledge, expertise and outstanding customer service which he will continue to deliver as an independent mortgage broker with Karista Mortgage.