Tammy Cromarty - Mortgage Associate

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Canada
Edmonton, AB
Tammy Cromarty - Mortgage Associate

Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Tammy Cromarty - Mortgage Associate, Mortgage brokers, Edmonton, AB.

04/26/2026

Spring is in the air—and so are fresh opportunities to make your move 🌷🏡 Whether you’re buying your first home, upgrading, or refinancing in Alberta, now’s the perfect time to explore your options. Let’s find a mortgage that fits your goals and your budget this season. 🌱💰

04/24/2026

I so love a cute dog or cat, but allergic people don't love it. Home buying can still be safe for allergic buyers.
This means ensuring the best cleaning possible beforehand and realtors letting buyers know that pets live(d) there. 🐶 🐱

04/22/2026

Remember, people are going to be people. Everyone is human and we all are riding this thing called life, together.
As you journey through, if you actively choose to smile and have fun, it will be a better ride! 😀

Wishing you a wonderful Wednesday! 🫶 ✨

04/19/2026

A smooth mortgage approval isn't just about your credit score—it’s about the partnership with your broker. Want to get to the closing table faster? Here is how to be a "pro" client:

Total Transparency: Your broker is your advocate. Disclose all debts, assets, and side-hustles early. It’s much easier to solve a problem on Day 1 than Day 21.

Respond quickly: Documents like bank statements and pay stubs have a short shelf life, getting them to your broker in a timely manner helps everyone.

Clear Communication on Rates: General rates can be given at the start, but they won't be finalized until you have a purchase contract. If you are rate shopping, let your broker know. It's just respectful.

Quality Matters: Always provide full PDF statements (all pages included). It saves hours of back-and-forth and minimizes underwriter delays.

The Goal: Clear communication = faster approvals.

04/17/2026

I've walked into messy homes that just smell bad. Who wants to pay top dollar for that?
A little elbow grease, or hiring a cleaner can go a long way to upping the value of your home. 🔥

04/15/2026

Buying a home in Alberta is more than just the down payment! To avoid "closing day shock," you need to budget for the hidden extras.

Pro-Tip: Budget 1.5% to 3% of your purchase price for these "hidden" costs. On a $500k home, that’s an extra $7,500 – $15,000 in cash you’ll need on hand!

Here are some fees to consider when buying:

Legal Fees & Disbursements: ~$1,500 – $3,500 for your lawyer to handle the title and mortgage registration.

Home Inspection: ~$500 – $800. This is the best money you’ll ever spend to avoid costs later.

Title Insurance: ~$250 – $500 for protection against fraud or survey errors.

Adjustments: You may need to reimburse the seller for prepaid property taxes or utility deposits.

Good news: Alberta does not have Land Transfer Tax!

04/12/2026

In a competitive housing market, it can be tempting to remove conditions to make your offer more appealing. However, this approach can come with significant risks. Waiving conditions may leave you exposed if financing falls through, or if issues with the property arise that lead to costly repairs.

Keeping your conditions in place allows you the time to do proper due diligence, protect your financing, and identify any concerns with the home. It can also provide valuable leverage when negotiating price or repairs—helping safeguard both your investment and your finances.

04/10/2026

Happy Friday!

The 90 day document history is not screenshots, it's actual bank statements that are the most current and go back 90 days. 🤩

04/08/2026

Here are 2 reasons to look at other lenders:

Banks rarely offer their best rates to existing customers on the first renewal letter. Shopping around can save you 0.25% to 0.50%, which adds up to thousands over a 5-year term.

Access to 220+ Lenders: While your bank only has one set of products, a broker can access dozens of lenders—including credit unions and digital lenders—that may offer more flexible terms or lower "switch" rates.

Time to do what's best for you!

04/05/2026

A home inspection is there to protect you before you finalize your purchase. Taking the time to thoroughly review the property can help you avoid unexpected repair costs down the road. Adding a sewer scope may be an extra upfront expense, but it can potentially save you from a much larger repair later on. When speaking with your inspector, don’t hesitate to ask questions—it's the best way to ensure you’re fully informed and confident in your decision.

Remember: Small issues are normal — bigger ones can be valuable negotiation opportunities.

04/03/2026

Starting new Fun Fact Fridays!
Happy Friday!

04/01/2026

Ask these questions when shopping for your home:

-RPR & Compliance: Ask for the Real Property Report. If that new deck or shed doesn't have a municipal stamp, it’s a legal headache for YOU later.
-RMS Measurements: Ensure the square footage follows Alberta’s strict Residential Measurement Standard.
-The Furnace: Is it original? In -40°C, a 20-year-old furnace is not what you want.
-Grading: Does the land slope away from the house? Spring thaws cause floods if the grading is off.
-Windows: Are they triple-pane? Your heating bill will thank you.

Condos have more questions, stay tuned for another video.

Address

Edmonton, AB

Telephone

+17809825023

Website

http://cromartymortgages.com/

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