Rona Peralta - Filipino Mortgage Broker in BC

11/02/2026

🏡 Home: “I have a kitchen island.” 🚗 Commute: “Check the drive at 8 a.m.” 🧾 Budget: “Can someone include me?” ❤️ You: “But… the island.” Which feature could make you forget the rest of your checklist? Tell me below. 👀

Rona Peralta | Mortgage Broker
Sneg Mortgage Team

11/02/2026

🚨 B.C. friends—did your phone fall back an hour without you?

Most of B.C. is staying at UTC−07:00 year-round, but some devices may still follow the old time change. 📱⏰

If your clock looks wrong:
✅ Install the latest device updates.
✅ Check your time-zone settings.
✅ On Windows, select (UTC−07:00) Pacific Time (British Columbia).

On phones and tablets, the setting may show a city name instead.

Take a minute to check your alarms and calendar appointments, too—especially before heading to work or school tomorrow!

Share this with someone who might be wondering why their clocks don’t match. 😊

10/30/2026

10/30/2026

The scariest cost is the one you discover after your offer is already firm. 👻

Most buyers carefully prepare their down payment—but closing day can bring additional expenses such as property transfer tax, legal or notary fees, home insurance, inspections, appraisals, and property-tax or strata adjustments.

Not every cost applies to every purchase, but every buyer should know their estimated total before making an offer.

A mortgage approval tells you how much the lender may provide. A proper cash-to-close plan tells you whether you’re truly ready to receive the keys.

Planning to buy? Let’s calculate the full amount you may need—before closing costs have a chance to spook you.

10/27/2026

Fixed and variable mortgages each have advantages. The better choice depends on your comfort with payment changes, future plans, budget, and the features of the mortgage—not only today’s rate.

A good mortgage strategy should help you feel comfortable both now and later.

Let’s compare the options based on your situation.

10/22/2026

You do not have to wait for your mortgage renewal letter before reviewing your options.

Starting early gives you time to compare rates and features, review your current debts, consider changes to your mortgage, and prepare documents if moving to another lender makes sense.

If your mortgage renews within the next six months, now is a good time for a mortgage check-in.

10/19/2026

Considering a home with a basement suite or rental unit?

Some lenders may allow a portion of the rental income to help with mortgage qualification. The amount they use—and the documents they require—can vary depending on the lender, the property, and whether the suite is existing or proposed.

Before relying on rental income in your budget, let’s review how different lenders may treat it.

10/15/2026

A gifted down payment can help make homeownership possible, but lenders will still need supporting documents.

Depending on the lender and source of the funds, this may include a signed gift letter, proof of the donor’s transfer, and confirmation that the money was deposited into your account.

If family will be helping with your purchase, let’s discuss the requirements before the funds are moved.

10/12/2026

Happy Thanksgiving! 🍂

I’m grateful for every client who has trusted me with their home-financing journey, every family who has shared their goals with me, and every person who has referred someone they care about.

Wishing you and your loved ones a warm and joyful Thanksgiving.