{"id":17012,"date":"2020-10-09T15:51:27","date_gmt":"2020-10-09T15:51:27","guid":{"rendered":"https:\/\/hypotheques.ca\/pre-qualification-hypothecaire\/"},"modified":"2026-10-23T11:53:05","modified_gmt":"2026-10-23T11:53:05","slug":"mortgage-pre-qualification","status":"publish","type":"page","link":"https:\/\/hypotheques.ca\/en\/mortgage-pre-qualification\/","title":{"rendered":"Mortgage pre-qualification"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"17012\" class=\"elementor elementor-17012 elementor-460\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-51552e79 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"51552e79\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;,&quot;shape_divider_bottom&quot;:&quot;mountains&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<div class=\"elementor-shape elementor-shape-bottom\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" opacity=\"0.33\" d=\"M473,67.3c-203.9,88.3-263.1-34-320.3,0C66,119.1,0,59.7,0,59.7V0h1000v59.7 c0,0-62.1,26.1-94.9,29.3c-32.8,3.3-62.8-12.3-75.8-22.1C806,49.6,745.3,8.7,694.9,4.7S492.4,59,473,67.3z\"\/>\n\t<path class=\"elementor-shape-fill\" opacity=\"0.66\" d=\"M734,67.3c-45.5,0-77.2-23.2-129.1-39.1c-28.6-8.7-150.3-10.1-254,39.1 s-91.7-34.4-149.2,0C115.7,118.3,0,39.8,0,39.8V0h1000v36.5c0,0-28.2-18.5-92.1-18.5C810.2,18.1,775.7,67.3,734,67.3z\"\/>\n\t<path class=\"elementor-shape-fill\" d=\"M766.1,28.9c-200-57.5-266,65.5-395.1,19.5C242,1.8,242,5.4,184.8,20.6C128,35.8,132.3,44.9,89.9,52.5C28.6,63.7,0,0,0,0 h1000c0,0-9.9,40.9-83.6,48.1S829.6,47,766.1,28.9z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<header class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-12cc2f87\" data-id=\"12cc2f87\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4bc2754f elementor-widget elementor-widget-heading\" data-id=\"4bc2754f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">The mortgage pre-approval is the essential estimate that confirms your ability to borrow.<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ea22a36 elementor-widget__width-auto elementor-widget elementor-widget-breadcrumbs\" data-id=\"6ea22a36\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"breadcrumbs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span id=\"breadcrumbs\"><span><span><a href=\"https:\/\/hypotheques.ca\/\">Home<\/a><\/span><\/span><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/header>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-45391cf0\" data-id=\"45391cf0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-f332131 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"f332131\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-2ade19e\" data-id=\"2ade19e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e981b64 elementor-widget__width-initial elementor-widget elementor-widget-global elementor-global-18467 elementor-widget-html\" data-id=\"e981b64\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<!-- Hypotheques.ca \u00b7 formulaire 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We have received your request and will contact you shortly.&quot;, &quot;erreur&quot;: &quot;An error occurred. Please call us at 514 447-3000.&quot;}\" data-emplacement=\"home\" lang=\"en\">\n  <h3>Information request<\/h3>\n  <p class=\"hq-sous\">A broker will call you back shortly. No fees, no obligation.<\/p>\n  <div class=\"hq-global\" role=\"alert\"><\/div>\n  <form novalidate autocomplete=\"on\">\n    <div class=\"hq-grid\">\n      <div class=\"hq-f\"><label>First name *<\/label><input name=\"prenom\" type=\"text\" autocomplete=\"given-name\" required><div class=\"hq-msg\"><\/div><\/div>\n      <div class=\"hq-f\"><label>Last name *<\/label><input name=\"nom\" type=\"text\" autocomplete=\"family-name\" required><div class=\"hq-msg\"><\/div><\/div>\n      <div class=\"hq-f\"><label>Email *<\/label><input name=\"courriel\" type=\"email\" autocomplete=\"email\" inputmode=\"email\" required><div class=\"hq-msg\"><\/div><\/div>\n      <div class=\"hq-f\"><label>Phone *<\/label><input name=\"telephone\" type=\"tel\" autocomplete=\"tel\" inputmode=\"tel\" placeholder=\"514 000-0000\" required><div class=\"hq-msg\"><\/div><\/div>\n      <div class=\"hq-f\"><label>Employment type *<\/label><select name=\"type_emploi\" required><option value=\"\">Choose\u2026<\/option><option value=\"salarie\">Employee<\/option><option value=\"autonome\">Self-employed<\/option><option value=\"retraite\">Retired<\/option><\/select><div class=\"hq-msg\"><\/div><\/div>\n      <div class=\"hq-f\"><label>What do you need? *<\/label><select name=\"besoin\" required><option value=\"\">Choose\u2026<\/option><option value=\"preautorisation\">Mortgage pre-approval<\/option><option value=\"approbation\">Get a mortgage approval<\/option><option value=\"renouvellement\">Mortgage renewal<\/option><option value=\"transfert\">Transfer my mortgage to another lender<\/option><option value=\"refinancement\">Mortgage refinancing<\/option><option value=\"marge\">Refinancing with a home equity line of credit<\/option><option value=\"autonome\">Mortgage for self-employed (less than 2 years)<\/option><option value=\"prive\">Private loan or alternative solutions<\/option><option value=\"location_achat\">Rent-to-own<\/option><option value=\"inversee\">Reverse mortgage (CHIP)<\/option><\/select><div class=\"hq-msg\"><\/div><\/div>\n      <div class=\"hq-f full\"><label>Your message (optional)<\/label><textarea name=\"message\" placeholder=\"Tell us about your project in a few words\"><\/textarea><div class=\"hq-msg\"><\/div><\/div>\n    <\/div>\n    <div class=\"hq-hp\" aria-hidden=\"true\"><label>Site web<\/label><input name=\"site_web\" type=\"text\" tabindex=\"-1\" autocomplete=\"off\"><\/div>\n    <button type=\"submit\" class=\"hq-btn\">Send my request<\/button>\n    <p class=\"hq-consent\">By sending this form, you agree to be contacted by Hypotheques.ca about your request.<\/p>\n  <\/form>\n  <div class=\"hq-ok\"><div class=\"hq-check\">\u2713<\/div><p>Thank you! We have received your request and will contact you shortly.<\/p><\/div>\n<\/div>\n<script>\n(function(){\n  if (window.__hqFormInit) { window.__hqFormInit(); return; }\n  var ENDPOINT = \"https:\/\/dgrwzixjbxhefjabrysv.supabase.co\/functions\/v1\/site-demande\";\n  function utm(){ try { var p = new URLSearchParams(location.search), o = {}, n = 0; p.forEach(function(v, k){ if (\/^utm_\/i.test(k) && n < 8){ o[k] = v; n++; } }); return n ? o : null; } catch (e) { return null; } }\n  function init(){\n    document.querySelectorAll(\".hq-form[data-hq]:not([data-hq-pret])\").forEach(function(root){\n      root.setAttribute(\"data-hq-pret\", \"1\");\n      var form = root.querySelector(\"form\"), btn = root.querySelector(\".hq-btn\"), glob = root.querySelector(\".hq-global\"), ok = root.querySelector(\".hq-ok\");\n      var T = JSON.parse(root.getAttribute(\"data-hq\"));\n      var t0 = Date.now();\n      function champ(k){ return root.querySelector('[name=\"' + k + '\"]'); }\n      function erreurChamp(k, msg, sugg){\n        var f = champ(k); if (!f) return; var wrap = f.closest(\".hq-f\"); wrap.classList.add(\"err\");\n        var m = wrap.querySelector(\".hq-msg\"); m.innerHTML = msg + (sugg ? 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})\n          .then(function(){ btn.disabled = false; btn.textContent = lib; });\n      });\n    });\n  }\n  window.__hqFormInit = init;\n  if (document.readyState === \"loading\") document.addEventListener(\"DOMContentLoaded\", init); else init();\n})();\n<\/script>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5ef0eb21 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5ef0eb21\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-5079bedd\" data-id=\"5079bedd\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5ca75b60 elementor-widget elementor-widget-heading\" data-id=\"5ca75b60\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-medium\">MORTGAGE PRE-QUALIFICATION<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d529437 elementor-widget elementor-widget-heading\" data-id=\"3d529437\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">You need a mortgage pre-qualification for :<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bc9246c elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"bc9246c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-194f5cab elementor-widget elementor-widget-text-editor\" data-id=\"194f5cab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li><span style=\"color: var( --e-global-color-el_color_7_1 ); background-color: var( --e-global-color-el_color_0 ); letter-spacing: var(--the7-base-letter-spacing); text-transform: var(--the7-base-text-transform); word-spacing: normal;\">Knowing concretely how much you can buy<\/span><\/li><li>Be able to discuss with the seller and have your offer taken seriously<\/li><li>Obtain a rate guarantee.<\/li><li>Gather all the initial documents needed for the purchase.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d77dc02 elementor-widget elementor-widget-spacer\" data-id=\"d77dc02\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-7b8e53ac\" data-id=\"7b8e53ac\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5e22d4ec elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5e22d4ec\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-3977e6a6\" data-id=\"3977e6a6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-18ef9aa9 elementor-widget elementor-widget-image\" data-id=\"18ef9aa9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"768\" height=\"1024\" src=\"data:image\/svg+xml;charset=utf-8,%3Csvg xmlns%3D&apos;http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg&apos; viewBox%3D&apos;0 0 768 1024&apos;%2F%3E\" data-src=\"https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/02\/6234a78c8d2d8627e8d30c3f_Service-prequalification-questions-768x1024.jpg\" class=\"lazy-load attachment-large size-large wp-image-16600\" alt=\"\" data-srcset=\"https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/02\/6234a78c8d2d8627e8d30c3f_Service-prequalification-questions-768x1024.jpg 768w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/02\/6234a78c8d2d8627e8d30c3f_Service-prequalification-questions-225x300.jpg 225w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/02\/6234a78c8d2d8627e8d30c3f_Service-prequalification-questions-1152x1536.jpg 1152w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/02\/6234a78c8d2d8627e8d30c3f_Service-prequalification-questions-1536x2048.jpg 1536w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/02\/6234a78c8d2d8627e8d30c3f_Service-prequalification-questions.jpg 1728w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-2a2cf0d9\" data-id=\"2a2cf0d9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6b610fdc elementor-widget elementor-widget-heading\" data-id=\"6b610fdc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-medium\">HOW MUCH YOU CAN BORROW<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-263c0447 elementor-widget elementor-widget-heading\" data-id=\"263c0447\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Really know how much you can afford to buy:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5eae0a9 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"5eae0a9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-748b5cc0 elementor-widget elementor-widget-text-editor\" data-id=\"748b5cc0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>While you can already estimate your mortgage payment with\u00a0<a href=\"\/en\/ours-tools\/\">our tools and calculators<\/a>\u00a0to get an idea of the cost of your\u00a0mortgage, that doesn&#8217;t mean the bank or lender will see it the same way.<\/p><p>Mortgage pre-qualification (also called pre-approval) is kind of the opposite. The bank tells you how much they would be willing to lend you based on your situation.<\/p><p>The mortgage pre-qualification process allows us to know and refine your borrowing capacity according to two budgets:<\/p><ul><li>That of the bank, by respecting the ratios (mortgage insurers, banks)<\/li><li>But also the one that suits you, according to your personal budget.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-574778b7 elementor-widget elementor-widget-spacer\" data-id=\"574778b7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5f466304 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5f466304\" data-element_type=\"section\" data-e-type=\"section\" id=\"services\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;,&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;shape_divider_top&quot;:&quot;mountains&quot;}\">\n\t\t\t\t\t<div class=\"elementor-shape elementor-shape-top\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" opacity=\"0.33\" d=\"M473,67.3c-203.9,88.3-263.1-34-320.3,0C66,119.1,0,59.7,0,59.7V0h1000v59.7 c0,0-62.1,26.1-94.9,29.3c-32.8,3.3-62.8-12.3-75.8-22.1C806,49.6,745.3,8.7,694.9,4.7S492.4,59,473,67.3z\"\/>\n\t<path class=\"elementor-shape-fill\" opacity=\"0.66\" d=\"M734,67.3c-45.5,0-77.2-23.2-129.1-39.1c-28.6-8.7-150.3-10.1-254,39.1 s-91.7-34.4-149.2,0C115.7,118.3,0,39.8,0,39.8V0h1000v36.5c0,0-28.2-18.5-92.1-18.5C810.2,18.1,775.7,67.3,734,67.3z\"\/>\n\t<path class=\"elementor-shape-fill\" d=\"M766.1,28.9c-200-57.5-266,65.5-395.1,19.5C242,1.8,242,5.4,184.8,20.6C128,35.8,132.3,44.9,89.9,52.5C28.6,63.7,0,0,0,0 h1000c0,0-9.9,40.9-83.6,48.1S829.6,47,766.1,28.9z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-164e93c6 animated-fast elementor-invisible\" data-id=\"164e93c6\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8d450b4 elementor-widget elementor-widget-heading\" data-id=\"8d450b4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-medium\">MORTGAGE PRE-QUALIFICATION<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1613750 elementor-widget elementor-widget-heading\" data-id=\"1613750\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Really know how much you can afford to buy:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-269afca5 elementor-widget elementor-widget-text-editor\" data-id=\"269afca5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>To obtain it you will have to provide us with certain information such as proof of salary, residence, family income. etc&#8230;<br \/>The information is different for each type of profile (Quebec employee, self-employed, newcomer, etc&#8230;)<br \/>\u200d<br \/>A meeting with our team is necessary.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5782cc1f elementor-widget elementor-widget-spacer\" data-id=\"5782cc1f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5cd0b298 elementor-mobile-align-center elementor-widget-mobile__width-inherit elementor-widget elementor-widget-the7_button_widget\" data-id=\"5cd0b298\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"the7_button_widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\"><a href=\"https:\/\/calendly.com\/hypotheques\/explore-your-mortgage-options\" target=\"_blank\" class=\"box-button elementor-button elementor-size-lg\">Book an appointment to get it for free<i aria-hidden=\"true\" class=\"elementor-button-icon fas fa-chevron-right\"><\/i><\/a><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1280c18d elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1280c18d\" data-element_type=\"section\" data-e-type=\"section\" id=\"services\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;,&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-2ebb76e\" data-id=\"2ebb76e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7460aa23 animated-fast elementor-invisible elementor-widget elementor-widget-image\" data-id=\"7460aa23\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"576\" src=\"data:image\/svg+xml;charset=utf-8,%3Csvg xmlns%3D&apos;http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg&apos; viewBox%3D&apos;0 0 1024 576&apos;%2F%3E\" data-src=\"https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/02\/hypotheques-garantir-son-taux-1024x576.jpg\" class=\"lazy-load attachment-large size-large wp-image-16652\" alt=\"\" data-srcset=\"https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/02\/hypotheques-garantir-son-taux-1024x576.jpg 1024w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/02\/hypotheques-garantir-son-taux-300x169.jpg 300w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/02\/hypotheques-garantir-son-taux-768x432.jpg 768w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/02\/hypotheques-garantir-son-taux-1536x864.jpg 1536w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/02\/hypotheques-garantir-son-taux.jpg 1920w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-7aaca4f6 animated-fast elementor-invisible\" data-id=\"7aaca4f6\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-70fb9893 elementor-widget elementor-widget-heading\" data-id=\"70fb9893\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-medium\">MORTGAGE PRE-QUALIFICATION<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-25b28b2 elementor-widget elementor-widget-heading\" data-id=\"25b28b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">GUARANTEE YOUR RATE for the next few months!<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ad3a0fe elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"ad3a0fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2a85e61e elementor-widget elementor-widget-text-editor\" data-id=\"2a85e61e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Yes, it is possible to lock in a rate before you buy.<\/p><p>and no, there is no hidden trick, it is possible according to the banks to obtain this rate guarantee and up to 12 months.<\/p><p>Pre-approval allows you to lock in a rate for a future purchase without commitment on your part.<\/p><ul><li>If rates go up, you&#8217;re safe.<\/li><li>If it goes down, then your rate goes down too.<\/li><\/ul><p>So you&#8217;re sure to get the best of both worlds.<br \/>You win both ways with a pre-approval.<\/p><p>Not to mention that it takes the stress out of seeing rates rise without having time to visit.<\/p><p>For the next few months, you can be secure in the knowledge that you will be able to visit and make offers with peace of mind.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5cba9e6 elementor-widget elementor-widget-spacer\" data-id=\"5cba9e6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-acbfc02 elementor-mobile-align-center elementor-widget-mobile__width-inherit elementor-widget elementor-widget-the7_button_widget\" data-id=\"acbfc02\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"the7_button_widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\"><a href=\"https:\/\/calendly.com\/hypotheques\/explore-your-mortgage-options\" target=\"_blank\" class=\"box-button elementor-button elementor-size-lg\">Get my free pre-approval<i aria-hidden=\"true\" class=\"elementor-button-icon fas fa-chevron-right\"><\/i><\/a><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0618f08 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0618f08\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;,&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-7fce996 animated-fast elementor-invisible\" data-id=\"7fce996\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d317d9c elementor-widget elementor-widget-heading\" data-id=\"d317d9c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-medium\">MORTGAGE PRE-QUALIFICATION<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9305e47 elementor-widget elementor-widget-heading\" data-id=\"9305e47\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Start preparing your file.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-95504ba elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"95504ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d97a77b elementor-widget elementor-widget-text-editor\" data-id=\"d97a77b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>One thing that is quite overlooked by people who don&#8217;t have someone accompany them is putting together all the necessary documents for the final file before the offer to purchase is made.<br \/>\u200d<br \/>Once you have made your offer to purchase and it has been accepted, you enter the final sprint. The most stressful for many of you.<br \/>\u200d<br \/><span style=\"font-weight: bold;\">You have about 12 days to clear your\u00a0mortgage. Every day counts.<\/span><br \/>\u200dAt Mortgages.ca we are always working on a just-in-time basis. We are used to procedures, we know how to work fast.<br \/>\u200d<br \/>But for that, we need all your supporting documents. Imagine if you had to provide us with a letter from your employer stating your position and salary.<br \/>What happens if they are not responsive in a few days?<br \/>\u200d<br \/><span style=\"font-weight: bold;\">You might lose your place in the race to get your dream house stupidly.<\/span><br \/>\u200d<br \/>Pre-qualification is a good way to start setting everything up and be serene afterwards.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-76c7947 elementor-widget elementor-widget-spacer\" data-id=\"76c7947\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6227519 elementor-mobile-align-center elementor-widget-mobile__width-inherit elementor-widget elementor-widget-the7_button_widget\" data-id=\"6227519\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"the7_button_widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\"><a href=\"https:\/\/calendly.com\/hypotheques\/explore-your-mortgage-options\" target=\"_blank\" class=\"box-button elementor-button elementor-size-lg\">Get my free pre-approval<i aria-hidden=\"true\" class=\"elementor-button-icon fas fa-chevron-right\"><\/i><\/a><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-867d100\" data-id=\"867d100\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-490fe59 animated-fast elementor-invisible elementor-widget elementor-widget-image\" data-id=\"490fe59\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"768\" height=\"1024\" src=\"data:image\/svg+xml;charset=utf-8,%3Csvg xmlns%3D&apos;http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg&apos; viewBox%3D&apos;0 0 768 1024&apos;%2F%3E\" data-src=\"https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/02\/6234a84a963ca2cbb1dab219_Service-prequalification-dossier-768x1024.jpg\" class=\"lazy-load attachment-large size-large wp-image-16602\" alt=\"\" data-srcset=\"https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/02\/6234a84a963ca2cbb1dab219_Service-prequalification-dossier-768x1024.jpg 768w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/02\/6234a84a963ca2cbb1dab219_Service-prequalification-dossier-225x300.jpg 225w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/02\/6234a84a963ca2cbb1dab219_Service-prequalification-dossier-1152x1536.jpg 1152w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/02\/6234a84a963ca2cbb1dab219_Service-prequalification-dossier-1536x2048.jpg 1536w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/02\/6234a84a963ca2cbb1dab219_Service-prequalification-dossier.jpg 1728w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7dc87c46 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7dc87c46\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;shape_divider_top&quot;:&quot;mountains&quot;,&quot;animation&quot;:&quot;none&quot;,&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<div class=\"elementor-shape elementor-shape-top\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" opacity=\"0.33\" d=\"M473,67.3c-203.9,88.3-263.1-34-320.3,0C66,119.1,0,59.7,0,59.7V0h1000v59.7 c0,0-62.1,26.1-94.9,29.3c-32.8,3.3-62.8-12.3-75.8-22.1C806,49.6,745.3,8.7,694.9,4.7S492.4,59,473,67.3z\"\/>\n\t<path class=\"elementor-shape-fill\" opacity=\"0.66\" d=\"M734,67.3c-45.5,0-77.2-23.2-129.1-39.1c-28.6-8.7-150.3-10.1-254,39.1 s-91.7-34.4-149.2,0C115.7,118.3,0,39.8,0,39.8V0h1000v36.5c0,0-28.2-18.5-92.1-18.5C810.2,18.1,775.7,67.3,734,67.3z\"\/>\n\t<path class=\"elementor-shape-fill\" d=\"M766.1,28.9c-200-57.5-266,65.5-395.1,19.5C242,1.8,242,5.4,184.8,20.6C128,35.8,132.3,44.9,89.9,52.5C28.6,63.7,0,0,0,0 h1000c0,0-9.9,40.9-83.6,48.1S829.6,47,766.1,28.9z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3e135811\" data-id=\"3e135811\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-37e19bb elementor-widget elementor-widget-heading\" data-id=\"37e19bb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Frequently asked questions about mortgage pre-qualification (or pre-approval)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3f4a66f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3f4a66f\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;none&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-61e7b62 elementor-hidden-tablet elementor-hidden-mobile\" data-id=\"61e7b62\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2cd2994 elementor-widget elementor-widget-image\" data-id=\"2cd2994\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"910\" height=\"1024\" src=\"data:image\/svg+xml;charset=utf-8,%3Csvg xmlns%3D&apos;http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg&apos; viewBox%3D&apos;0 0 910 1024&apos;%2F%3E\" data-src=\"https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/02\/hypotheques-faq-910x1024.jpg\" class=\"lazy-load attachment-large size-large wp-image-16651\" alt=\"\" data-srcset=\"https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/02\/hypotheques-faq-910x1024.jpg 910w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/02\/hypotheques-faq-267x300.jpg 267w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/02\/hypotheques-faq-768x864.jpg 768w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/02\/hypotheques-faq.jpg 960w\" sizes=\"(max-width: 910px) 100vw, 910px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-9d0259a\" data-id=\"9d0259a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ea28769 animated-fast elementor-invisible elementor-widget elementor-widget-accordion\" data-id=\"ea28769\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-2451\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-2451\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">1. Who is the mortgage pre-qualification for?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-2451\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-2451\"><p>Everyone who wants to buy a property should have one.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-2452\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-2452\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">2. Who needs mortgage pre-qualification?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-2452\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-2452\"><p>Your\u00a0real estate broker\u00a0will be the first person to ask you for it.<br \/>It will then be presented to the seller during the offer to purchase. This document will confirm that you have seriously validated your borrowing capacity.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-2453\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-2453\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">3. How long does it take to get pre-qualified for a mortgage?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-2453\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-2453\"><p>If we have all the requested documents, within a few hours you can get it.<br \/>However, we need the documents and it may take several days to get them.<br \/>Do not wait until the last moment to come to us. It may be too late.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-2454\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-2454\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">4. Mortgage pre-qualification or pre-approval. Is it the same thing?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-2454\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-2454\"><p>A\u00a0<strong>mortgage pre-qualification<\/strong>: this is an estimate of the maximum loan that a lender could grant you; A\u00a0<strong>mortgage<\/strong>\u00a0pre-approval: this is a form of commitment on the part of the lender, and is conditional on your situation not changing and on the value of the property you are going to buy being supported by the insurer or appraiser at the time of the application for financing<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-2455\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-2455\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">5. Does a pre-approval (or mortgage pre-qualification) bind me to a bank?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-2455\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-2455\"><p><strong>No<\/strong>. You are free to take out your mortgage at any institution you wish. Moreover, we will see with you at the right time if there is not another offer more advantageous for you, if it is the case you will be able to choose a more interesting option.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-2456\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-2456\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">6. Do I have to do a pre-qualification or pre-approval mortgage for every purchase offer I make?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-2456\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-2456\"><p>We will provide you with the pre-qualification or pre-approval mortgage that corresponds to your needs. However, if your search evolves (Condominium, Duplex, Triplex, Single family home&#8230;) it is likely that your borrowing capacity and certain factors will influence your borrowing capacity (upwards or downwards), we will remain at your disposal during the process to evaluate with precision what you can obtain.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"1. Who is the mortgage pre-qualification for?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Everyone who wants to buy a property should have one.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"2. Who needs mortgage pre-qualification?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Your\\u00a0real estate broker\\u00a0will be the first person to ask you for it.<br \\\/>It will then be presented to the seller during the offer to purchase. This document will confirm that you have seriously validated your borrowing capacity.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"3. How long does it take to get pre-qualified for a mortgage?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>If we have all the requested documents, within a few hours you can get it.<br \\\/>However, we need the documents and it may take several days to get them.<br \\\/>Do not wait until the last moment to come to us. It may be too late.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"4. Mortgage pre-qualification or pre-approval. Is it the same thing?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>A\\u00a0<strong>mortgage pre-qualification<\\\/strong>: this is an estimate of the maximum loan that a lender could grant you; A\\u00a0<strong>mortgage<\\\/strong>\\u00a0pre-approval: this is a form of commitment on the part of the lender, and is conditional on your situation not changing and on the value of the property you are going to buy being supported by the insurer or appraiser at the time of the application for financing<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"5. Does a pre-approval (or mortgage pre-qualification) bind me to a bank?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><strong>No<\\\/strong>. You are free to take out your mortgage at any institution you wish. Moreover, we will see with you at the right time if there is not another offer more advantageous for you, if it is the case you will be able to choose a more interesting option.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"6. Do I have to do a pre-qualification or pre-approval mortgage for every purchase offer I make?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>We will provide you with the pre-qualification or pre-approval mortgage that corresponds to your needs. However, if your search evolves (Condominium, Duplex, Triplex, Single family home&#8230;) it is likely that your borrowing capacity and certain factors will influence your borrowing capacity (upwards or downwards), we will remain at your disposal during the process to evaluate with precision what you can obtain.<\\\/p>\"}}]}<\/script>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6b5cb84 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6b5cb84\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;,&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;shape_divider_top&quot;:&quot;mountains&quot;}\">\n\t\t\t\t\t<div class=\"elementor-shape elementor-shape-top\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" opacity=\"0.33\" d=\"M473,67.3c-203.9,88.3-263.1-34-320.3,0C66,119.1,0,59.7,0,59.7V0h1000v59.7 c0,0-62.1,26.1-94.9,29.3c-32.8,3.3-62.8-12.3-75.8-22.1C806,49.6,745.3,8.7,694.9,4.7S492.4,59,473,67.3z\"\/>\n\t<path class=\"elementor-shape-fill\" opacity=\"0.66\" d=\"M734,67.3c-45.5,0-77.2-23.2-129.1-39.1c-28.6-8.7-150.3-10.1-254,39.1 s-91.7-34.4-149.2,0C115.7,118.3,0,39.8,0,39.8V0h1000v36.5c0,0-28.2-18.5-92.1-18.5C810.2,18.1,775.7,67.3,734,67.3z\"\/>\n\t<path class=\"elementor-shape-fill\" d=\"M766.1,28.9c-200-57.5-266,65.5-395.1,19.5C242,1.8,242,5.4,184.8,20.6C128,35.8,132.3,44.9,89.9,52.5C28.6,63.7,0,0,0,0 h1000c0,0-9.9,40.9-83.6,48.1S829.6,47,766.1,28.9z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e35ef6c animated-fast elementor-invisible\" data-id=\"e35ef6c\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ed6d8ac elementor-widget elementor-widget-heading\" data-id=\"ed6d8ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-medium\">MORTGAGE PRE-QUALIFICATION<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2982304 elementor-widget elementor-widget-heading\" data-id=\"2982304\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Policy of transparency and understanding.<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-31e96be elementor-widget elementor-widget-text-editor\" data-id=\"31e96be\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Are you lost with one of our terms? Does it seem complicated, too technical?<br \/>Consult our lexicon to be sure to understand.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c63565b elementor-widget elementor-widget-spacer\" data-id=\"c63565b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d1583a4 elementor-mobile-align-center elementor-widget-mobile__width-inherit elementor-widget elementor-widget-the7_button_widget\" data-id=\"d1583a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"the7_button_widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\"><a href=\"\/glossaire\" class=\"box-button elementor-button elementor-size-lg\">Click here to discover it.<i aria-hidden=\"true\" class=\"elementor-button-icon fas fa-chevron-right\"><\/i><\/a><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c0058e1 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c0058e1\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;shape_divider_top&quot;:&quot;mountains&quot;,&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<div class=\"elementor-shape elementor-shape-top\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" opacity=\"0.33\" d=\"M473,67.3c-203.9,88.3-263.1-34-320.3,0C66,119.1,0,59.7,0,59.7V0h1000v59.7 c0,0-62.1,26.1-94.9,29.3c-32.8,3.3-62.8-12.3-75.8-22.1C806,49.6,745.3,8.7,694.9,4.7S492.4,59,473,67.3z\"\/>\n\t<path class=\"elementor-shape-fill\" opacity=\"0.66\" d=\"M734,67.3c-45.5,0-77.2-23.2-129.1-39.1c-28.6-8.7-150.3-10.1-254,39.1 s-91.7-34.4-149.2,0C115.7,118.3,0,39.8,0,39.8V0h1000v36.5c0,0-28.2-18.5-92.1-18.5C810.2,18.1,775.7,67.3,734,67.3z\"\/>\n\t<path class=\"elementor-shape-fill\" d=\"M766.1,28.9c-200-57.5-266,65.5-395.1,19.5C242,1.8,242,5.4,184.8,20.6C128,35.8,132.3,44.9,89.9,52.5C28.6,63.7,0,0,0,0 h1000c0,0-9.9,40.9-83.6,48.1S829.6,47,766.1,28.9z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-4a65d4f\" data-id=\"4a65d4f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3ad6c76 elementor-widget elementor-widget-heading\" data-id=\"3ad6c76\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-medium\">SERVICES<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-847e6fe elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"847e6fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Discover our other services<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4e6a99e elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"4e6a99e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-ff466e6 elementor-hidden-tablet elementor-hidden-mobile\" data-id=\"ff466e6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-04b4b5b elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"04b4b5b\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9d1bd17\" data-id=\"9d1bd17\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6ccedde elementor-widget__width-initial content-align-mobile-left icon-position-mobile-top icon-vertical-align-mobile-start content-align-left icon-box-vertical-align-top icon-position-left icon-vertical-align-start elementor-widget elementor-widget-the7_icon_box_grid_widget\" data-id=\"6ccedde\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"the7_icon_box_grid_widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"the7-box-grid-wrapper the7-elementor-widget loading-effect-none the7_icon_box_grid_widget-6ccedde\">\t\t\t<div class=\"dt-css-grid\">\n\t\t\t\t\t\t\t\t\t<div class=\"wf-cell shown\">\n\t\t\t\t\t\t<a class=\"the7-icon-box-grid box-hover\" href=\"\/en\/first-purchase\/\" aria-label=\"First purchase\">\t\t\t\t\t\t\t<div class=\"box-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon-div\">\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon\">\n\t\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" fill=\"currentColor\" class=\"bi bi-receipt-cutoff\" viewBox=\"0 0 16 16\"><path d=\"M3 4.5a.5.5 0 0 1 .5-.5h6a.5.5 0 1 1 0 1h-6a.5.5 0 0 1-.5-.5zm0 2a.5.5 0 0 1 .5-.5h6a.5.5 0 1 1 0 1h-6a.5.5 0 0 1-.5-.5zm0 2a.5.5 0 0 1 .5-.5h6a.5.5 0 1 1 0 1h-6a.5.5 0 0 1-.5-.5zm0 2a.5.5 0 0 1 .5-.5h6a.5.5 0 0 1 0 1h-6a.5.5 0 0 1-.5-.5zm0 2a.5.5 0 0 1 .5-.5h6a.5.5 0 0 1 0 1h-6a.5.5 0 0 1-.5-.5zM11.5 4a.5.5 0 0 0 0 1h1a.5.5 0 0 0 0-1h-1zm0 2a.5.5 0 0 0 0 1h1a.5.5 0 0 0 0-1h-1zm0 2a.5.5 0 0 0 0 1h1a.5.5 0 0 0 0-1h-1zm0 2a.5.5 0 0 0 0 1h1a.5.5 0 0 0 0-1h-1zm0 2a.5.5 0 0 0 0 1h1a.5.5 0 0 0 0-1h-1z\"><\/path><path d=\"M2.354.646a.5.5 0 0 0-.801.13l-.5 1A.5.5 0 0 0 1 2v13H.5a.5.5 0 0 0 0 1h15a.5.5 0 0 0 0-1H15V2a.5.5 0 0 0-.053-.224l-.5-1a.5.5 0 0 0-.8-.13L13 1.293l-.646-.647a.5.5 0 0 0-.708 0L11 1.293l-.646-.647a.5.5 0 0 0-.708 0L9 1.293 8.354.646a.5.5 0 0 0-.708 0L7 1.293 6.354.646a.5.5 0 0 0-.708 0L5 1.293 4.354.646a.5.5 0 0 0-.708 0L3 1.293 2.354.646zm-.217 1.198.51.51a.5.5 0 0 0 .707 0L4 1.707l.646.647a.5.5 0 0 0 .708 0L6 1.707l.646.647a.5.5 0 0 0 .708 0L8 1.707l.646.647a.5.5 0 0 0 .708 0L10 1.707l.646.647a.5.5 0 0 0 .708 0L12 1.707l.646.647a.5.5 0 0 0 .708 0l.509-.51.137.274V15H2V2.118l.137-.274z\"><\/path><\/svg>\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"box-heading\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tFirst purchase\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-description\">Taking the plunge for your first purchase?<br>\nAre you making your first mortgage loan?<br>\nMake an appointment.\n<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-button elementor-button elementor-size-sm\">Discover<i aria-hidden=\"true\" class=\"elementor-button-icon fas fa-chevron-right\"><\/i><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/a>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"wf-cell shown\">\n\t\t\t\t\t\t<a class=\"the7-icon-box-grid box-hover\" href=\"\/en\/mortgage-renewal\/\" aria-label=\"Renewal\">\t\t\t\t\t\t\t<div class=\"box-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon-div\">\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon\">\n\t\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" fill=\"currentColor\" class=\"bi bi-calculator\" viewBox=\"0 0 16 16\"><path d=\"M12 1a1 1 0 0 1 1 1v12a1 1 0 0 1-1 1H4a1 1 0 0 1-1-1V2a1 1 0 0 1 1-1h8zM4 0a2 2 0 0 0-2 2v12a2 2 0 0 0 2 2h8a2 2 0 0 0 2-2V2a2 2 0 0 0-2-2H4z\"><\/path><path d=\"M4 2.5a.5.5 0 0 1 .5-.5h7a.5.5 0 0 1 .5.5v2a.5.5 0 0 1-.5.5h-7a.5.5 0 0 1-.5-.5v-2zm0 4a.5.5 0 0 1 .5-.5h1a.5.5 0 0 1 .5.5v1a.5.5 0 0 1-.5.5h-1a.5.5 0 0 1-.5-.5v-1zm0 3a.5.5 0 0 1 .5-.5h1a.5.5 0 0 1 .5.5v1a.5.5 0 0 1-.5.5h-1a.5.5 0 0 1-.5-.5v-1zm0 3a.5.5 0 0 1 .5-.5h1a.5.5 0 0 1 .5.5v1a.5.5 0 0 1-.5.5h-1a.5.5 0 0 1-.5-.5v-1zm3-6a.5.5 0 0 1 .5-.5h1a.5.5 0 0 1 .5.5v1a.5.5 0 0 1-.5.5h-1a.5.5 0 0 1-.5-.5v-1zm0 3a.5.5 0 0 1 .5-.5h1a.5.5 0 0 1 .5.5v1a.5.5 0 0 1-.5.5h-1a.5.5 0 0 1-.5-.5v-1zm0 3a.5.5 0 0 1 .5-.5h1a.5.5 0 0 1 .5.5v1a.5.5 0 0 1-.5.5h-1a.5.5 0 0 1-.5-.5v-1zm3-6a.5.5 0 0 1 .5-.5h1a.5.5 0 0 1 .5.5v1a.5.5 0 0 1-.5.5h-1a.5.5 0 0 1-.5-.5v-1zm0 3a.5.5 0 0 1 .5-.5h1a.5.5 0 0 1 .5.5v4a.5.5 0 0 1-.5.5h-1a.5.5 0 0 1-.5-.5v-4z\"><\/path><\/svg>\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"box-heading\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tRenewal\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-description\">Is your term up? Renew to take advantage of the best conditions on the market.\n<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-button elementor-button elementor-size-sm\">Discover<i aria-hidden=\"true\" class=\"elementor-button-icon fas fa-chevron-right\"><\/i><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/a>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"wf-cell shown\">\n\t\t\t\t\t\t<a class=\"the7-icon-box-grid box-hover\" href=\"\/en\/refinancing-mortgage\/\" aria-label=\"Re-Financing\">\t\t\t\t\t\t\t<div class=\"box-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon-div\">\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon\">\n\t\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" fill=\"currentColor\" class=\"bi bi-cash-coin\" viewBox=\"0 0 16 16\"><path fill-rule=\"evenodd\" d=\"M11 15a4 4 0 1 0 0-8 4 4 0 0 0 0 8zm5-4a5 5 0 1 1-10 0 5 5 0 0 1 10 0z\"><\/path><path d=\"M9.438 11.944c.047.596.518 1.06 1.363 1.116v.44h.375v-.443c.875-.061 1.386-.529 1.386-1.207 0-.618-.39-.936-1.09-1.1l-.296-.07v-1.2c.376.043.614.248.671.532h.658c-.047-.575-.54-1.024-1.329-1.073V8.5h-.375v.45c-.747.073-1.255.522-1.255 1.158 0 .562.378.92 1.007 1.066l.248.061v1.272c-.384-.058-.639-.27-.696-.563h-.668zm1.36-1.354c-.369-.085-.569-.26-.569-.522 0-.294.216-.514.572-.578v1.1h-.003zm.432.746c.449.104.655.272.655.569 0 .339-.257.571-.709.614v-1.195l.054.012z\"><\/path><path d=\"M1 0a1 1 0 0 0-1 1v8a1 1 0 0 0 1 1h4.083c.058-.344.145-.678.258-1H3a2 2 0 0 0-2-2V3a2 2 0 0 0 2-2h10a2 2 0 0 0 2 2v3.528c.38.34.717.728 1 1.154V1a1 1 0 0 0-1-1H1z\"><\/path><path d=\"M9.998 5.083 10 5a2 2 0 1 0-3.132 1.65 5.982 5.982 0 0 1 3.13-1.567z\"><\/path><\/svg>\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"box-heading\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tRe-Financing\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-description\">Taking the plunge for your first purchase?<br>\nAre you making your first mortgage loan?<br>\nMake an appointment.\n<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-button elementor-button elementor-size-sm\">Discover<i aria-hidden=\"true\" class=\"elementor-button-icon fas fa-chevron-right\"><\/i><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/a>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Information request A broker will call you back shortly. No fees, no obligation. First name * Last name * Email * Phone * Employment type *Choose\u2026EmployeeSelf-employedRetired What do you need? *Choose\u2026Mortgage pre-approvalGet a mortgage approvalMortgage renewalTransfer my mortgage to another lenderMortgage refinancingRefinancing with a home equity line of creditMortgage for self-employed (less than 2 years)Private&hellip;<\/p>\n","protected":false},"author":3,"featured_media":16603,"parent":0,"menu_order":8,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-17012","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"permalink_manager":null,"_links":{"self":[{"href":"https:\/\/hypotheques.ca\/en\/wp-json\/wp\/v2\/pages\/17012","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hypotheques.ca\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/hypotheques.ca\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/hypotheques.ca\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/hypotheques.ca\/en\/wp-json\/wp\/v2\/comments?post=17012"}],"version-history":[{"count":47,"href":"https:\/\/hypotheques.ca\/en\/wp-json\/wp\/v2\/pages\/17012\/revisions"}],"predecessor-version":[{"id":20650,"href":"https:\/\/hypotheques.ca\/en\/wp-json\/wp\/v2\/pages\/17012\/revisions\/20650"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hypotheques.ca\/en\/wp-json\/wp\/v2\/media\/16603"}],"wp:attachment":[{"href":"https:\/\/hypotheques.ca\/en\/wp-json\/wp\/v2\/media?parent=17012"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}