Leonora Heramis - Mortgage Professional

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Canada
Surrey, BC
Leonora Heramis - Mortgage Professional

Professional Advice Matters. How about a mortgage designed with you - for you? Mortgages are the largest single financial transaction in most people’s lives.

Buying a home or investment property can be a stressful and time consuming experience, although nowadays the financing of a mortgage is a case of finding and selecting the most suitable deal, rather than simply accepting a lender’s offer. My goal is to make your home buying process simple. Simple to understand, simple to complete your home purchase.

01/07/2026

❤️ Heart and care come first in everything I do as a mortgage broker because the right mortgage starts with the right heart.

If you’re ready to work with someone who truly cares, message me. 🏡

12/25/2025

Joy of Christ this Christmas! 🎄✨
Sending love, laughter, and Christmas cheers from our family to yours ❤️😊

12/08/2025

Kicking off the Christmas season by trying our hand at wreath making. 😂🎄 And yes, the wreaths turned out beautiful.

05/24/2025

It's the time of the year again! How to claim your Home Owner Grant?

The Provincial Home Owner Grant program helps to reduce the amount of residential property taxes that homeowners pay on their primary residence.
The Province of B.C. requires that the grant is claimed every year in which the home owner qualifies for the grant. To claim your home owner grant you must have your folio number and your access code, located on your property tax notice. You can claim your grant by enrolling your Home Owner Grant online.

05/15/2025

Happy Nurses Day!
Today, we’re shining a spotlight on the incredible contributions of nurses!
As a token of appreciation, nurses can qualify for an exclusive rate discount and up to $2,000 cashback through RFA Mortgage’s Frontline Program.

Whether you're purchasing, renewing, or refinancing your mortgage, I’m here to help — just give me a call!

04/28/2025

As someone of Filipino descent, I’m deeply saddened by the Lapu Lapu Festival Incident.

My thoughts and prayers are with the victims, their families, and everyone affected—especially our Filipino community.

Let’s continue to support each other during this difficult time. We are stronger together.

04/21/2025

Resurrect Your Dream of Homeownership this Easter 🏠

Easter reminds us that what once felt lost can rise again—and that includes your dream of owning a home.

If you've put that dream on hold, this is your sign to bring it back to life.

We’re inviting you to a Free First-Time Homebuyer Info Session designed to help you take the first real step toward your future front door.

Spots are limited—secure yours today and take the first step.

04/18/2025

Happy Easter!

03/12/2025

Understanding the Benchmark Rate and How It Affects Your Finances 🏦

You might have seen in the news that the Bank of Canada’s benchmark rate is currently at 2.75%. But what does that actually mean for you? Let me break it down:

💡 Benchmark Rate (Bank of Canada Policy Rate):
The benchmark rate is the interest rate at which the Bank of Canada lends money to commercial banks. This rate is currently 2.75%—but keep in mind, it doesn't apply to individual borrowers.

💡 Prime Rate:
Lenders and banks set their prime rate based on the benchmark rate, typically 2-3% higher. Right now, the prime rate is 4.95%.

💡 What Does This Mean for You?

Variable-Rate Mortgages and Lines of Credit are directly tied to the prime rate. If the prime rate changes, your rates could change too.
Fixed-Rate Mortgages are not affected by fluctuations in the prime rate, meaning your rate will stay the same throughout your mortgage term.
Understanding these rates is key to making informed decisions about your mortgage and borrowing options. Have questions? Please call me. I can help.

02/18/2025

Happy Family Day!

Love is patient, love is kind. It does not envy, it does not boast, it is not proud. It does not dishonor others, it is not self-seeking, it is not easily angered, it keeps no record of wrongs. Love does not delight in evil but rejoices with the truth. It always protects, always trusts, always hopes, always persevere. 1 Cor 3:17

01/29/2025

Good news for Variable Mortgage holders!

As expected, The Bank of Canada lowered its benchmark interest rate by 25 basis points, bringing the policy rate to 3.0 percent. Major banks are expected to drop their prime rate shortly to 5.20 % which will lower variable rate mortgages and lines of credit. The next rate announcement will be March 12 2025. As always, please let me know if I can help with any mortgage questions.

Address

404-1688 152 Street
Surrey, BC
V4A4N2

Telephone

+17786891270

Website

http://www.facebook.com/Mortgage

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