{"id":2388,"date":"2022-06-13T16:40:03","date_gmt":"2022-06-13T20:40:03","guid":{"rendered":"https:\/\/lescourtiershypothecaires.ca\/services-prequalification-hypotheque\/"},"modified":"2026-05-13T14:54:22","modified_gmt":"2026-05-13T18:54:22","slug":"mortgage-services-pre-qualification","status":"publish","type":"page","link":"https:\/\/lescourtiershypothecaires.ca\/en\/mortgage-services-pre-qualification\/","title":{"rendered":"Pre-qualification"},"content":{"rendered":"<p>[vc_row full_height=&#8221;yes&#8221; columns_placement=&#8221;bottom&#8221; parallax=&#8221;enable_parallax&#8221; enable_content_animation=&#8221;yes&#8221; ca_init_scale_x=&#8221;1&#8243; ca_init_scale_y=&#8221;1&#8243; ca_init_opacity=&#8221;0&#8243; ca_an_scale_x=&#8221;1&#8243; ca_an_scale_y=&#8221;1&#8243; ca_an_opacity=&#8221;1&#8243; bg_position=&#8221;custom&#8221; enable_overlay=&#8221;yes&#8221; css=&#8221;.vc_custom_1664226202309{padding-bottom: 100px !important;background: #111214 url(https:\/\/lescourtiershypothecaires.ca\/wp-content\/uploads\/2022\/07\/Prequalification.jpg?id=808);background-position:center;background-repeat:-repeat;background-size:cover;}&#8221; responsive_css=&#8221;padding_top_large:200px|padding_bottom_large:200px|padding_right_medium:7%25|padding_bottom_medium:15vw|padding_left_medium:7%25&#8243; ca_duration=&#8221;1600&#8243; ca_start_delay=&#8221;850&#8243; ca_delay=&#8221;160&#8243; ca_init_translate_y=&#8221;25&#8243; bg_pos_h=&#8221;80%&#8221; bg_pos_v=&#8221;50%&#8221; overlay_bg=&#8221;rgba(0, 0, 0, 0.74)&#8221;][vc_column]<style>.ld_fancy_heading_6a7c79684091b h1{color:rgb(255, 255, 255);}.ld_fancy_heading_6a7c79684091b h1 {padding-top:100px !important;  } .ld_fancy_heading_6a7c79684091b .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a7c79684091b h1 {padding-top:100px !important;  } <\/style><div class=\"ld-fancy-heading text-center ld_fancy_heading_6a7c79684091b\">\n\t<h1 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default lqd-split-lines h1\"   data-split-text=\"true\" data-split-options='{\"type\":\"lines\"}'>  <span style=\"font-weight: 400\">Mortgage Prequalification<\/span><\/h1><\/div><style>.ld_fancy_heading_6a7c796840bee p{color:rgb(255, 255, 255);}.ld_fancy_heading_6a7c796840bee p {font-size:17px; } .ld_fancy_heading_6a7c796840bee p {line-height:28px; } .ld_fancy_heading_6a7c796840bee p {--element-line-height:28px; } .ld_fancy_heading_6a7c796840bee .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;background:#b8952c!important;}.ld_fancy_heading_6a7c796840bee p {font-size:17px; } .ld_fancy_heading_6a7c796840bee p {line-height:28px; } .ld_fancy_heading_6a7c796840bee p {--element-line-height:28px; } <\/style><div class=\"ld-fancy-heading text-center ld_fancy_heading_6a7c796840bee\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  Are you shopping for a home, or planning to do so in the near future?<br \/>\nIf so, obtaining a mortgage pre-qualification, ideally through Team Prospero \u2014 is a <em>must<\/em>!<\/p><\/div>[vc_column_text]<\/p>\n<h4 style=\"text-align: center;\"><span style=\"color: #ffffff;\">Simplify your buying process with a mortgage pre-qualification<\/span><\/h4>\n<p>[\/vc_column_text][vc_row_inner content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1663171407812{padding-top: 30px !important;padding-bottom: 20px !important;}&#8221;][vc_column_inner responsive_align=&#8221;text-center&#8221;]<style>.ld_button_6a7c796840d97.btn-icon-solid .btn-icon{background:#b8952c;}.ld_button_6a7c796840d97.btn-icon-circle.btn-icon-ripple .btn-icon:before{border-color:#b8952c;}.ld_button_6a7c796840d97.btn-icon-solid:hover .btn-icon{background:rgb(0, 0, 0);}.ld_button_6a7c796840d97{background-color:#b8952c;border-color:#b8952c;}.ld_button_6a7c796840d97:hover{background-color:rgb(0, 0, 0);border-color:rgb(0, 0, 0);color:rgb(255, 255, 255);}.ld_button_6a7c796840d97 .btn-gradient-bg-hover{background:-webkit-linear-gradient(to right, rgb(0, 0, 0) 0%, rgb(0, 0, 0) 100%);background:linear-gradient(to right, rgb(0, 0, 0) 0%, rgb(0, 0, 0) 100%);}.ld_button_6a7c796840d97 .btn-gradient-border defs stop:first-child{stop-color:#b8952c;}.ld_button_6a7c796840d97 .btn-gradient-border defs stop:last-child{stop-color:#b8952c;}.ld_button_6a7c796840d97:hover .btn-gradient-border defs stop:first-child{stop-color:rgb(0, 0, 0);}.ld_button_6a7c796840d97:hover .btn-gradient-border defs stop:last-child{stop-color:rgb(0, 0, 0);}<\/style><a href=\"\/en\/get-my-rate\/\" class=\"btn btn-solid text-uppercase btn-hover-txt-liquid-x btn-xsm circle border-thin btn-hover-swp btn-has-label ld_button_6a7c796840d97 vc_custom_1671064242109\" >\n\t<span>\n\t\n\t\t\t\t\t<span class=\"btn-txt\" data-text=\"Get pre-qualified\" data-split-text=\"true\"\n\t\t\t\t\t    data-split-options='{\"type\": \"chars, words\"}'>Get pre-qualified<\/span>\n\t\t\n\t<span class=\"btn-icon\"><i class=\"lqd-icn-ess icon-md-arrow-forward\"><\/i><\/span>\t<span class=\"btn-icon\"><i class=\"lqd-icn-ess icon-md-arrow-forward\"><\/i><\/span>\t\t\t<\/span>\n<\/a>\n<style>.ld_button_6a7c796841728.btn-icon-solid .btn-icon{background:#b8952c;}.ld_button_6a7c796841728.btn-icon-circle.btn-icon-ripple .btn-icon:before{border-color:#b8952c;}.ld_button_6a7c796841728.btn-icon-solid:hover .btn-icon{background:rgb(0, 0, 0);}.ld_button_6a7c796841728{background-color:#b8952c;border-color:#b8952c;}.ld_button_6a7c796841728:hover{background-color:rgb(0, 0, 0);border-color:rgb(0, 0, 0);color:rgb(255, 255, 255);}.ld_button_6a7c796841728 .btn-gradient-bg-hover{background:-webkit-linear-gradient(to right, rgb(0, 0, 0) 0%, rgb(0, 0, 0) 100%);background:linear-gradient(to right, rgb(0, 0, 0) 0%, rgb(0, 0, 0) 100%);}.ld_button_6a7c796841728 .btn-gradient-border defs stop:first-child{stop-color:#b8952c;}.ld_button_6a7c796841728 .btn-gradient-border defs stop:last-child{stop-color:#b8952c;}.ld_button_6a7c796841728:hover .btn-gradient-border defs stop:first-child{stop-color:rgb(0, 0, 0);}.ld_button_6a7c796841728:hover .btn-gradient-border defs stop:last-child{stop-color:rgb(0, 0, 0);}<\/style><a href=\"https:\/\/lescourtiershypothecaires.ca\/en\/contact-us\/#contact\" title=\"Contact us\" class=\"btn btn-solid text-uppercase btn-hover-txt-liquid-x btn-xsm circle border-thin btn-hover-swp btn-has-label ld_button_6a7c796841728 vc_custom_1778698230704\" >\n\t<span>\n\t\n\t\t\t\t\t<span class=\"btn-txt\" data-text=\"TALK TO AN EXPERT\" data-split-text=\"true\"\n\t\t\t\t\t    data-split-options='{\"type\": \"chars, words\"}'>TALK TO AN EXPERT<\/span>\n\t\t\n\t<span class=\"btn-icon\"><i class=\"lqd-icn-ess icon-md-arrow-forward\"><\/i><\/span>\t<span class=\"btn-icon\"><i class=\"lqd-icn-ess icon-md-arrow-forward\"><\/i><\/span>\t\t\t<\/span>\n<\/a>\n[\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column css=&#8221;.vc_custom_1608189980216{padding-top: 17px !important;}&#8221;][vc_separator color=&#8221;custom&#8221; accent_color=&#8221;rgba(255,255,255,0.23)&#8221;][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1663173494905{padding-top: 50px !important;padding-bottom: 100px !important;background-image: url(https:\/\/lescourtiershypothecaires.ca\/wp-content\/uploads\/2022\/07\/drew-beamer-kUHfMW8awpE-unsplash.jpg?id=821) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column enable_hover_move=&#8221;lqd-column-move-onhover&#8221; width=&#8221;1\/2&#8243; enable_content_animation=&#8221;yes&#8221; ca_init_scale_x=&#8221;1&#8243; ca_init_scale_y=&#8221;1&#8243; ca_init_opacity=&#8221;1&#8243; ca_an_scale_x=&#8221;1&#8243; ca_an_scale_y=&#8221;1&#8243; ca_an_opacity=&#8221;1&#8243; css=&#8221;.vc_custom_1660816182660{padding-top: 100px !important;}&#8221; ca_duration=&#8221;1800&#8243; ca_delay=&#8221;180&#8243; ca_init_translate_y=&#8221;35&#8243;]<style>.ld_fancy_heading_6a7c796841b82 h6 {font-size:13px; } .ld_fancy_heading_6a7c796841b82 h6 {font-weight:700; } .ld_fancy_heading_6a7c796841b82 h6 {letter-spacing:0.7em; } .ld_fancy_heading_6a7c796841b82 h6 {margin-bottom:2em !important;  } .ld_fancy_heading_6a7c796841b82 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a7c796841b82 h6 {font-size:13px; } .ld_fancy_heading_6a7c796841b82 h6 {font-weight:700; } .ld_fancy_heading_6a7c796841b82 h6 {letter-spacing:0.7em; } .ld_fancy_heading_6a7c796841b82 h6 {margin-bottom:2em !important;  } <\/style><div class=\"ld-fancy-heading text-uppercase ld_fancy_heading_6a7c796841b82\">\n\t<h6 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  pre-qualification<\/h6><\/div><style>.ld_fancy_heading_6a7c796842150 h2{color:rgb(0, 0, 0);}.ld_fancy_heading_6a7c796842150 h2 {font-size:60px; } .ld_fancy_heading_6a7c796842150 h2 {line-height:60px; } .ld_fancy_heading_6a7c796842150 h2 {--element-line-height:60px; } .ld_fancy_heading_6a7c796842150 h2 {font-weight:500; } .ld_fancy_heading_6a7c796842150 h2 {margin-bottom:0.6em !important;  } .ld_fancy_heading_6a7c796842150 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a7c796842150 h2 {font-size:60px; } .ld_fancy_heading_6a7c796842150 h2 {line-height:60px; } .ld_fancy_heading_6a7c796842150 h2 {--element-line-height:60px; } .ld_fancy_heading_6a7c796842150 h2 {font-weight:500; } .ld_fancy_heading_6a7c796842150 h2 {margin-bottom:0.6em !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a7c796842150\">\n\t<h2 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  Multi-Pr\u00eats Hypoth\u00e8ques<\/h2><\/div>[vc_separator color=&#8221;custom&#8221; align=&#8221;align_left&#8221; border_width=&#8221;2&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;rgb(143, 143, 143)&#8221;][\/vc_column][vc_column width=&#8221;1\/2&#8243; enable_content_animation=&#8221;yes&#8221; ca_init_scale_x=&#8221;1&#8243; ca_init_scale_y=&#8221;1&#8243; ca_init_opacity=&#8221;1&#8243; ca_an_scale_x=&#8221;1&#8243; ca_an_scale_y=&#8221;1&#8243; ca_an_opacity=&#8221;1&#8243; responsive_css=&#8221;margin_right_large:-50px&#8221; ca_duration=&#8221;1000&#8243; ca_delay=&#8221;120&#8243; ca_init_translate_y=&#8221;70&#8243;]<style>.ld_fancy_heading_6a7c7968427ad h2{color:rgb(0, 0, 0);}.ld_fancy_heading_6a7c7968427ad h2 {padding-top:100px !important;  } .ld_fancy_heading_6a7c7968427ad .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a7c7968427ad h2 {padding-top:100px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a7c7968427ad\">\n\t<h2 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default lqd-split-lines h2\"   data-split-text=\"true\" data-split-options='{\"type\":\"lines\"}'>  <\/p>\n<h2>Why get pre-qualified for a mortgage?<\/h2>\n<p><\/h2><\/div><style>.ld_fancy_heading_6a7c796842b42 p{color:rgb(0, 0, 0);}.ld_fancy_heading_6a7c796842b42 p {font-size:17px; } .ld_fancy_heading_6a7c796842b42 p {line-height:28px; } .ld_fancy_heading_6a7c796842b42 p {--element-line-height:28px; } .ld_fancy_heading_6a7c796842b42 p {margin-bottom:2em !important;  } .ld_fancy_heading_6a7c796842b42 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a7c796842b42 p {font-size:17px; } .ld_fancy_heading_6a7c796842b42 p {line-height:28px; } .ld_fancy_heading_6a7c796842b42 p {--element-line-height:28px; } .ld_fancy_heading_6a7c796842b42 p {margin-bottom:2em !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a7c796842b42\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default lqd-split-lines\"   data-split-text=\"true\" data-split-options='{\"type\":\"lines\"}'>  When you want to become a homeowner, whether it&#8217;s a house, condo, cottage or rental property, mortgage pre-qualification is an essential part of the buying process.<\/p><\/div><style>.ld_fancy_heading_6a7c796842cd6 p{color:rgb(0, 0, 0);}.ld_fancy_heading_6a7c796842cd6 p {font-size:17px; } .ld_fancy_heading_6a7c796842cd6 p {line-height:28px; } .ld_fancy_heading_6a7c796842cd6 p {--element-line-height:28px; } .ld_fancy_heading_6a7c796842cd6 p {margin-bottom:2em !important;  } .ld_fancy_heading_6a7c796842cd6 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a7c796842cd6 p {font-size:17px; } .ld_fancy_heading_6a7c796842cd6 p {line-height:28px; } .ld_fancy_heading_6a7c796842cd6 p {--element-line-height:28px; } .ld_fancy_heading_6a7c796842cd6 p {margin-bottom:2em !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a7c796842cd6\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default lqd-split-lines\"   data-split-text=\"true\" data-split-options='{\"type\":\"lines\"}'>  Without this crucial step, you&#8217;re unnecessarily complicating your life!<\/p><\/div>[vc_separator color=&#8221;custom&#8221; align=&#8221;align_left&#8221; border_width=&#8221;2&#8243; el_width=&#8221;60&#8243; accent_color=&#8221;rgb(130, 130, 130)&#8221; css=&#8221;.vc_custom_1657548548337{padding-top: 5% !important;padding-bottom: 5% !important;}&#8221;][\/vc_column][\/vc_row][vc_row equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221; enable_row_dividers=&#8221;yes&#8221; css=&#8221;.vc_custom_1663173563783{padding-top: 100px !important;padding-bottom: 70px !important;background-color: #ffffff !important;}&#8221; responsive_css=&#8221;margin_top_medium:0px|padding_top_medium:100px|padding_bottom_medium:110px&#8221; row_svg_divider=&#8221;top_shape_type:1|top_shape_color:%23ffffff|top_shape_height:115&#8243;][vc_column enable_content_animation=&#8221;yes&#8221; ca_init_scale_x=&#8221;1&#8243; ca_init_scale_y=&#8221;1&#8243; ca_init_opacity=&#8221;0&#8243; ca_an_scale_x=&#8221;1&#8243; ca_an_scale_y=&#8221;1&#8243; ca_an_opacity=&#8221;1&#8243; align=&#8221;text-center&#8221; offset=&#8221;vc_col-md-offset-1 vc_col-md-10&#8243; responsive_css=&#8221;margin_bottom_medium:100px|padding_right_medium:2.5vw|padding_left_medium:2.5vw&#8221; ca_duration=&#8221;1800&#8243; ca_delay=&#8221;180&#8243; ca_init_translate_y=&#8221;35&#8243; css=&#8221;.vc_custom_1607345714802{margin-bottom: 40px !important;}&#8221; responsive_align=&#8221;text-md-center&#8221;]<style>.ld_fancy_heading_6a7c796842e59 div{color:rgb(0, 0, 0);}.ld_fancy_heading_6a7c796842e59 div {font-size:30px; } @media (min-width: 992px) { .ld_fancy_heading_6a7c796842e59 div {font-size:32px; }  } @media (min-width: 992px) { .ld_fancy_heading_6a7c796842e59 div {line-height:30px; }  } @media (min-width: 992px) { .ld_fancy_heading_6a7c796842e59 div {--element-line-height:30px; }  } .ld_fancy_heading_6a7c796842e59 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a7c796842e59 div {font-size:30px; } @media (min-width: 992px) { .ld_fancy_heading_6a7c796842e59 div {font-size:32px; }  } @media (min-width: 992px) { .ld_fancy_heading_6a7c796842e59 div {line-height:30px; }  } @media (min-width: 992px) { .ld_fancy_heading_6a7c796842e59 div {--element-line-height:30px; }  } <\/style><div class=\"ld-fancy-heading mask-text ld_fancy_heading_6a7c796842e59\">\n\t<div class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default lqd-split-words\"   data-split-text=\"true\" data-split-options='{\"type\":\"words\"}' data-custom-animations=\"true\" data-ca-options='{\"triggerHandler\":\"inview\",\"animationTarget\":\".lqd-words > .split-inner\",\"duration\":\"1000\",\"delay\":\"120\",\"ease\":\"power4.out\",\"direction\":\"forward\",\"initValues\":{\"y\":70},\"animations\":{\"y\":0}}'>  In fact, this procedure allows you to:<\/div><\/div>[\/vc_column][vc_column enable_content_animation=&#8221;yes&#8221; animation_preset=&#8221;Fade In&#8221; offset=&#8221;vc_col-md-5&#8243; ca_duration=&#8221;1800&#8243; ca_delay=&#8221;180&#8243; responsive_css=&#8221;margin_bottom_medium:0px|padding_right_medium:0px|padding_left_medium:0px&#8221; css=&#8221;.vc_custom_1607345653278{margin-bottom: 60px !important;padding-right: 30px !important;padding-left: 30px !important;}&#8221;][vc_row_inner css=&#8221;.vc_custom_1605400886869{margin-bottom: 50px !important;padding-right: 10px !important;padding-left: 10px !important;}&#8221;][vc_column_inner width=&#8221;1\/4&#8243; offset=&#8221;vc_col-xs-3&#8243;]<style>.ld_fancy_heading_6a7c796842fee h6{color:#b8952c;}.ld_fancy_heading_6a7c796842fee h6 {font-size:48px; } .ld_fancy_heading_6a7c796842fee h6 {font-weight:700; } .ld_fancy_heading_6a7c796842fee .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a7c796842fee h6 {font-size:48px; } .ld_fancy_heading_6a7c796842fee h6 {font-weight:700; } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a7c796842fee\">\n\t<h6 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  01<\/h6><\/div>[\/vc_column_inner][vc_column_inner width=&#8221;3\/4&#8243; css=&#8221;.vc_custom_1607345614090{border-bottom-width: 2px !important;border-bottom-color: #eeeeee !important;border-bottom-style: solid !important;}&#8221; offset=&#8221;vc_col-xs-9&#8243;]<style>.ld_fancy_heading_6a7c79684315b .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}<\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a7c79684315b\">\n\t<h5 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  Know in advance the maximum amount you can borrow, making it easier to target properties you can really afford.<\/h5><\/div>[\/vc_column_inner][\/vc_row_inner][vc_row_inner css=&#8221;.vc_custom_1579177672209{margin-bottom: 50px !important;}&#8221;][vc_column_inner width=&#8221;1\/4&#8243; offset=&#8221;vc_col-xs-3&#8243;]<style>.ld_fancy_heading_6a7c7968432c6 h6{color:#b8952c;}.ld_fancy_heading_6a7c7968432c6 h6 {font-size:48px; } .ld_fancy_heading_6a7c7968432c6 h6 {font-weight:700; } .ld_fancy_heading_6a7c7968432c6 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a7c7968432c6 h6 {font-size:48px; } .ld_fancy_heading_6a7c7968432c6 h6 {font-weight:700; } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a7c7968432c6\">\n\t<h6 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  02<\/h6><\/div>[\/vc_column_inner][vc_column_inner width=&#8221;3\/4&#8243; css=&#8221;.vc_custom_1607345688852{border-bottom-width: 2px !important;border-bottom-color: #eeeeee !important;border-bottom-style: solid !important;}&#8221; offset=&#8221;vc_col-xs-9&#8243;]<style>.ld_fancy_heading_6a7c796843434 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}<\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a7c796843434\">\n\t<h5 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  Enhance your credibility with sellers, considerably increasing the chances that you will be chosen over another buyer.<\/h5><\/div>[\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column align=&#8221;text-center&#8221; offset=&#8221;vc_col-md-offset-1 vc_col-md-6&#8243; responsive_align=&#8221;text-center&#8221;]<div id=\"ld_images_group_container_6a7c796843558\" class=\"lqd-imggrp-container ld_images_group_container_6a7c796843558\" data-custom-animations=\"true\" data-ca-options='{\"triggerHandler\":\"inview\",\"animationTarget\":\".lqd-imggrp-single\",\"duration\":\"1800\",\"delay\":\"180\",\"ease\":\"power4.out\",\"direction\":\"forward\",\"initValues\":{\"y\":45,\"opacity\":0},\"animations\":{\"y\":0,\"opacity\":1}}'  >\n\t<div class=\"lqd-imggrp-inner\">\n\t\t<p><style>.ld_images_group_element_6a7c7968436c3{position:absolute;}.ld_images_group_element_6a7c7968436c3 {top:-40px !important; right:0px !important; left:0px !important;  } .ld_images_group_element_6a7c7968436c3 {top:-40px !important; right:0px !important; left:0px !important;  } <\/style><div id=\"ld_images_group_element_6a7c7968436c3\" class=\"lqd-imggrp-single ld_images_group_element_6a7c7968436c3\"   >\n\t\n\t<div class=\"lqd-imggrp-img-container\"    >\n\t\t\n\t\t\t\t\n\t\t\t\t<figure ><\/figure>\t\t\t\t\t\t\t\t\n\t<\/div><!-- \/.lqd-imggrp-content -->\n<\/div><!-- \/.lqd-imggrp-single --><div id=\"ld_images_group_element_6a7c796843f27\" class=\"lqd-imggrp-single ld_images_group_element_6a7c796843f27\" data-shadow-style=\"4\" data-inview=\"true\" data-animate-shadow=\"true\" data-hover3d=\"true\"  >\n\t\n\t<div class=\"lqd-imggrp-img-container\" data-stacking-factor=\"1\"   data-parallax=\"true\" data-parallax-options='{\"overflowHidden\":true,\"ease\":\"linear\",\"start\":\"top bottom\"}'>\n\t\t\n\t\t\t\t\n\t\t\t\t<figure ><img loading=\"lazy\" decoding=\"async\" width=\"960\" height=\"720\" src=\"https:\/\/lescourtiershypothecaires.ca\/wp-content\/uploads\/2022\/07\/romain-dancre-doplSDELX7E-unsplash.jpg\" srcset=\"https:\/\/lescourtiershypothecaires.ca\/wp-content\/uploads\/2022\/07\/romain-dancre-doplSDELX7E-unsplash-300x225.jpg 300w, https:\/\/lescourtiershypothecaires.ca\/wp-content\/uploads\/2022\/07\/romain-dancre-doplSDELX7E-unsplash-1024x768.jpg 1024w, https:\/\/lescourtiershypothecaires.ca\/wp-content\/uploads\/2022\/07\/romain-dancre-doplSDELX7E-unsplash.jpg 1920w\" class=\"\" alt=\"\" \/><\/figure>\t\t\t\t\t\t\t\t\n\t<\/div><!-- \/.lqd-imggrp-content -->\n<\/div><!-- \/.lqd-imggrp-single --><\/p>\n\t\n\t<\/div><!-- \/.lqd-imggrp-inner -->\n<\/div><!-- \/.lqd-imggrp-container -->[\/vc_column][\/vc_row][vc_row content_placement=&#8221;middle&#8221; bg_position=&#8221;custom&#8221; css=&#8221;.vc_custom_1663171782202{margin-top: 50px !important;border-top-width: 0px !important;border-right-width: 0px !important;border-bottom-width: 0px !important;border-left-width: 0px !important;padding-bottom: 50px !important;background-image: url(https:\/\/lescourtiershypothecaires.ca\/wp-content\/uploads\/2022\/08\/black-circle.png?id=905) !important;background-position: 0 0 !important;background-repeat: no-repeat !important;}&#8221; responsive_css=&#8221;padding_bottom_medium:70px&#8221; bg_pos_h=&#8221;66vw&#8221; bg_pos_v=&#8221;0%&#8221;][vc_column enable_content_animation=&#8221;yes&#8221; ca_init_scale_x=&#8221;1&#8243; ca_init_scale_y=&#8221;1.25&#8243; ca_init_opacity=&#8221;0&#8243; ca_an_scale_x=&#8221;1&#8243; ca_an_scale_y=&#8221;1&#8243; ca_an_opacity=&#8221;1&#8243; bg_position=&#8221;left center&#8221; offset=&#8221;vc_col-lg-5 vc_col-md-6&#8243; ca_duration=&#8221;1800&#8243; ca_delay=&#8221;180&#8243; ca_init_translate_y=&#8221;65&#8243; responsive_css=&#8221;margin_bottom_medium:0px&#8221; css=&#8221;.vc_custom_1660821044564{margin-bottom: 60px !important;}&#8221;]<style>.ld_fancy_heading_6a7c796844950 h6{color:rgb(51, 59, 65);background:rgb(237, 243, 247);}.ld_fancy_heading_6a7c796844950 h6 {font-size:11px; } .ld_fancy_heading_6a7c796844950 h6 {letter-spacing:0.1em; } .ld_fancy_heading_6a7c796844950 h6 {padding-top:7px !important; padding-right:20px !important; padding-bottom:7px !important; padding-left:20px !important;  } .ld_fancy_heading_6a7c796844950 h6 {margin-bottom:1.5em !important;  } .ld_fancy_heading_6a7c796844950 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a7c796844950 h6 {font-size:11px; } .ld_fancy_heading_6a7c796844950 h6 {letter-spacing:0.1em; } .ld_fancy_heading_6a7c796844950 h6 {padding-top:7px !important; padding-right:20px !important; padding-bottom:7px !important; padding-left:20px !important;  } .ld_fancy_heading_6a7c796844950 h6 {margin-bottom:1.5em !important;  } <\/style><div class=\"ld-fancy-heading ld-fh-has-fill text-uppercase ld_fancy_heading_6a7c796844950\">\n\t<h6 class=\"ld-fh-element round lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  Planification<\/h6><\/div><style>.ld_fancy_heading_6a7c79684519f h2 {font-size:42px; } .ld_fancy_heading_6a7c79684519f h2 {line-height:50px; } .ld_fancy_heading_6a7c79684519f h2 {--element-line-height:50px; } .ld_fancy_heading_6a7c79684519f .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;background:#b8952c!important;}.ld_fancy_heading_6a7c79684519f h2 {font-size:42px; } .ld_fancy_heading_6a7c79684519f h2 {line-height:50px; } .ld_fancy_heading_6a7c79684519f h2 {--element-line-height:50px; } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a7c79684519f\">\n\t<h2 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-bottom lqd-highlight-reset-onhover text-decoration-default\"  data-inview=\"true\" data-transition-delay=\"true\" data-delay-options=\"{&quot;elements&quot;:&quot;.lqd-highlight-inner&quot;,&quot;delayType&quot;:&quot;transition&quot;}\"  >  How <mark class=\"lqd-highlight\"><span class=\"lqd-highlight-txt\"  >Mortgage<\/span><span class=\"lqd-highlight-inner\"><svg class=\"lqd-highlight-brush-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"235.509\" height=\"13.504\" viewBox=\"0 0 235.509 13.504\" aria-hidden=\"true\" preserveAspectRatio=\"none\"><path d=\"M163,.383a13.044,13.044,0,0,1,1.517-.072,3.528,3.528,0,0,1,1.237-.134q.618.044,1.237.044a.249.249,0,0,1-.1.178.337.337,0,0,0-.1.266q3.092.088,6.184-.044T178.953.4l-.206-.088a12,12,0,0,0,4.123,0,13.467,13.467,0,0,1,5.772,0q1.443-.178,2.68-.266A5.978,5.978,0,0,1,193.8.4,16.707,16.707,0,0,1,198.01.045q2.164.088,4.844.088-.618.088-.824.134L201.412.4a3.893,3.893,0,0,0,2.061,0,5.413,5.413,0,0,1,1.649-.356q.618.088,1.134.178a9.762,9.762,0,0,0,1.544.09,17,17,0,0,1,3.092-.266q1.649,0,3.5.178,2.886.088,5.875.044t5.875-.222q0,.088.206.088h.412a21.975,21.975,0,0,0,2.577.889A12.458,12.458,0,0,1,232.12,2.18a3.962,3.962,0,0,1,1.031.622A3.349,3.349,0,0,1,234.8,3.825a5.079,5.079,0,0,1,.618,1.111q.412.534-1.031.98-1.031.444-.618.98a2.09,2.09,0,0,1,.206.889q0,.444.825.889.618.8-.206,1.245l-1.237.534q-1.443-.088-2.68-.134a17.255,17.255,0,0,1-2.267-.222,3.128,3.128,0,0,0-.928-.044,3.129,3.129,0,0,1-.928-.044q-2.267-.178-4.432-.266T217.7,9.476q-1.649-.088-2.886-.088a17.343,17.343,0,0,1-2.474-.178q-3.916,0-7.73-.088t-7.73-.266l-12.471-.178q-6.287-.088-12.883-.088h-1.958q-.928,0-1.958.088h-2.061q-1.031,0-2.061-.088-2.68-.088-5.256-.134t-5.256.044h-5.462q-2.577,0-5.462.088-4.535.088-8.76.178t-8.554.088q-2.886.088-5.875.088t-5.875.088q-1.443.088-2.886.134t-3.092.044q-4.741.178-9.791.312t-9.791.312q-2.267.088-4.329.088T78.77,10.1q-4.329.266-8.863.49t-9.276.49q-1.237.088-2.68.134a24.356,24.356,0,0,0-2.683.224q-2.68.178-5.462.312t-5.668.4q-2.474.266-4.741.312t-4.741.044q-1.031-.088-1.958-.134a9.684,9.684,0,0,1-1.958-.312,12.5,12.5,0,0,0-1.443-.312q-.825-.134-1.856-.31-2.886.356-6.39.666t-6.8.845a26.709,26.709,0,0,1-2.886.356,20.758,20.758,0,0,1-9.482-.889Q.232,11.962.026,11.25T1.263,9.917q0-.266.825-.266a13.039,13.039,0,0,0,2.886-.444A17.187,17.187,0,0,1,7.86,8.672q3.092-.266,6.184-.8,1.649-.178,3.3-.312t3.5-.312q4.123-.354,8.039-.712t8.039-.622q9.478-.8,18.758-1.338,2.68-.178,5.153-.356t4.741-.356q2.474-.178,5.05-.356T75.88,3.24h1.34a4.829,4.829,0,0,0,1.34-.178q2.267-.178,4.329-.222t4.329-.134a7.256,7.256,0,0,1,2.267,0,3.459,3.459,0,0,0,1.031-.088,6.009,6.009,0,0,1,2.37-.266,14.745,14.745,0,0,0,2.783-.088q1.649,0,2.474.088a1.308,1.308,0,0,1,.185.011,1.226,1.226,0,0,1,.33-.1,3.656,3.656,0,0,0,.515-.088,4.433,4.433,0,0,1,2.886.266q.412-.088,1.031-.178l1.237-.178q.412,0,1.031.044a5.761,5.761,0,0,0,1.237-.044q2.886-.088,5.772-.044a53.829,53.829,0,0,0,5.772-.222,9.505,9.505,0,0,1,1.34-.088h1.34a4.428,4.428,0,0,1,.821-.258l.825-.178a15.178,15.178,0,0,1,1.855.444,3.028,3.028,0,0,1,1.031-.534,4.039,4.039,0,0,1,1.443-.178,6.158,6.158,0,0,1,1.649.178,5.05,5.05,0,0,0,2.267.268q1.855-.088,3.813-.134T138.13,1.2q1.031,0,2.164-.044t2.37-.044q-.206-.088.412-.534h3.092q.412,0,.309.266t.928,0a5.845,5.845,0,0,1,1.443,0,31.833,31.833,0,0,0,5.359.088,21.471,21.471,0,0,1,6.8.178,5.236,5.236,0,0,0,1.031-.4q.412-.222.825-.4a.694.694,0,0,1,.137.07Z\" transform=\"translate(0 0.002)\"\/><\/svg><\/span><\/mark> pre-qualification works<\/h2><\/div><style>.ld_fancy_heading_6a7c796845b91 p {font-size:17px; } .ld_fancy_heading_6a7c796845b91 p {line-height:28px; } .ld_fancy_heading_6a7c796845b91 p {--element-line-height:28px; } .ld_fancy_heading_6a7c796845b91 p {margin-bottom:1.65em !important;  } .ld_fancy_heading_6a7c796845b91 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a7c796845b91 p {font-size:17px; } .ld_fancy_heading_6a7c796845b91 p {line-height:28px; } .ld_fancy_heading_6a7c796845b91 p {--element-line-height:28px; } .ld_fancy_heading_6a7c796845b91 p {margin-bottom:1.65em !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a7c796845b91\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default lqd-split-lines\"   data-split-text=\"true\" data-split-options='{\"type\":\"lines\"}'>  Mortgage pre-qualification relies on evaluation methods based on several criteria, including the following:<\/p><\/div><style>.ld_button_6a7c796846081.btn-icon-solid .btn-icon{background:#b8952c;}.ld_button_6a7c796846081.btn-icon-circle.btn-icon-ripple .btn-icon:before{border-color:#b8952c;}.ld_button_6a7c796846081.btn-icon-solid:hover .btn-icon{background:rgb(0, 0, 0);}.ld_button_6a7c796846081{background-color:#b8952c;border-color:#b8952c;}.ld_button_6a7c796846081:hover{background-color:rgb(0, 0, 0);border-color:rgb(0, 0, 0);color:rgb(255, 255, 255);}.ld_button_6a7c796846081 .btn-gradient-bg-hover{background:-webkit-linear-gradient(to right, rgb(0, 0, 0) 0%, rgb(0, 0, 0) 100%);background:linear-gradient(to right, rgb(0, 0, 0) 0%, rgb(0, 0, 0) 100%);}.ld_button_6a7c796846081 .btn-gradient-border defs stop:first-child{stop-color:#b8952c;}.ld_button_6a7c796846081 .btn-gradient-border defs stop:last-child{stop-color:#b8952c;}.ld_button_6a7c796846081:hover .btn-gradient-border defs stop:first-child{stop-color:rgb(0, 0, 0);}.ld_button_6a7c796846081:hover .btn-gradient-border defs stop:last-child{stop-color:rgb(0, 0, 0);}<\/style><a href=\"\/en\/get-my-rate\/\" class=\"btn btn-solid text-uppercase btn-hover-txt-liquid-x btn-xsm circle border-thin btn-hover-swp btn-has-label ld_button_6a7c796846081 vc_custom_1671064266232\" >\n\t<span>\n\t\n\t\t\t\t\t<span class=\"btn-txt\" data-text=\"Get pre-qualified\" data-split-text=\"true\"\n\t\t\t\t\t    data-split-options='{\"type\": \"chars, words\"}'>Get pre-qualified<\/span>\n\t\t\n\t<span class=\"btn-icon\"><i class=\"lqd-icn-ess icon-md-arrow-forward\"><\/i><\/span>\t<span class=\"btn-icon\"><i class=\"lqd-icn-ess icon-md-arrow-forward\"><\/i><\/span>\t\t\t<\/span>\n<\/a>\n<style>.ld_spacer_6a7c79684677a{height:32px;}<\/style>\n<div class=\"ld-empty-space ld_spacer_6a7c79684677a\"><\/div>[\/vc_column][vc_column offset=&#8221;vc_col-lg-offset-1 vc_col-md-6&#8243;][vc_row_inner][vc_column_inner parallax=&#8221;yes&#8221; width=&#8221;1\/2&#8243; scale_from_x=&#8221;1&#8243; scale_from_y=&#8221;1&#8243; from_opacity=&#8221;1&#8243; scale_to_x=&#8221;1&#8243; scale_to_y=&#8221;1&#8243; to_opacity=&#8221;1&#8243; enable_content_animation=&#8221;yes&#8221; animation_preset=&#8221;Fade In&#8221; scale_from_z=&#8221;1&#8243; scale_to_z=&#8221;1&#8243; translate_from_y=&#8221;27&#8243; translate_to_y=&#8221;-84&#8243; ca_duration=&#8221;1800&#8243; ca_delay=&#8221;80&#8243; responsive_align=&#8221;text-center text-md-left&#8221;]<style>.ld_icon_box_6a7c7968469f2 .iconbox-icon-container{margin-bottom:24px !important;border-radius:px;}.ld_icon_box_6a7c7968469f2 .lqd-iconbox-title{color:rgb(34, 34, 34);margin-bottom:21px;}.ld_icon_box_6a7c7968469f2:before{background:rgb(255, 255, 255);}.ld_icon_box_6a7c7968469f2:hover, .ld_icon_box_6a7c7968469f2:hover p, .ld_icon_box_6a7c7968469f2:hover .contents{color:rgb(0, 0, 0);}.ld_icon_box_6a7c7968469f2 .iconbox-icon-container img,.ld_icon_box_6a7c7968469f2 .iconbox-icon-container > svg{width:68px !important;}<\/style>\n<div class=\"iconbox text-left iconbox-round iconbox-shadow iconbox-heading-sm iconbox-filled iconbox-filled iconbox-filled-hover iconbox-scale-bg ld_icon_box_6a7c7968469f2 vc_custom_1670379499729\" id=\"ld_icon_box_6a7c7968469f2\"   >\n\t\n\t\t\t<span class=\"iconbox-label\">1<\/span>\t\t\n\t\n\t<div class=\"iconbox-icon-wrap\"><span class=\"iconbox-icon-container\"><img decoding=\"async\" src=\"\" class=\"liquid-image-icon\" \/><\/span><\/div>\t\n\t\t\n\t\t\n\t\t\n\t<h3 class=\"lqd-iconbox-title \">Your employment income;<\/h3>\t\t\t\n\t\t\n\t\n<\/div>\n<style>.ld_icon_box_6a7c79684763f .iconbox-icon-container{margin-bottom:23px !important;border-radius:px;}.ld_icon_box_6a7c79684763f .lqd-iconbox-title{color:rgb(34, 34, 34);margin-bottom:20px;}.ld_icon_box_6a7c79684763f:before{background:rgb(255, 255, 255);}.ld_icon_box_6a7c79684763f:hover, .ld_icon_box_6a7c79684763f:hover p, .ld_icon_box_6a7c79684763f:hover .contents{color:rgb(19, 19, 19);}.ld_icon_box_6a7c79684763f .iconbox-icon-container img,.ld_icon_box_6a7c79684763f .iconbox-icon-container > svg{width:68px !important;}<\/style>\n<div class=\"iconbox text-left iconbox-round iconbox-shadow iconbox-heading-sm iconbox-filled iconbox-filled iconbox-filled-hover iconbox-scale-bg ld_icon_box_6a7c79684763f vc_custom_1670379516239\" id=\"ld_icon_box_6a7c79684763f\"   >\n\t\n\t\t\t<span class=\"iconbox-label\">2<\/span>\t\t\n\t\n\t<div class=\"iconbox-icon-wrap\"><span class=\"iconbox-icon-container\"><img decoding=\"async\" src=\"\" class=\"liquid-image-icon\" \/><\/span><\/div>\t\n\t\t\n\t\t\n\t\t\n\t<h3 class=\"lqd-iconbox-title \">Your credit score;<\/h3>\t\t\t\n\t\t\n\t\n<\/div>\n<style>.ld_icon_box_6a7c796847f9c .iconbox-icon-container{margin-bottom:23px !important;border-radius:px;}.ld_icon_box_6a7c796847f9c .lqd-iconbox-title{color:rgb(34, 34, 34);margin-bottom:20px;}.ld_icon_box_6a7c796847f9c:before{background:rgb(255, 255, 255);}.ld_icon_box_6a7c796847f9c:hover, .ld_icon_box_6a7c796847f9c:hover p, .ld_icon_box_6a7c796847f9c:hover .contents{color:rgb(20, 20, 20);}.ld_icon_box_6a7c796847f9c .iconbox-icon-container img,.ld_icon_box_6a7c796847f9c .iconbox-icon-container > svg{width:68px !important;}<\/style>\n<div class=\"iconbox text-left iconbox-round iconbox-shadow iconbox-heading-sm iconbox-filled iconbox-filled iconbox-filled-hover iconbox-scale-bg ld_icon_box_6a7c796847f9c vc_custom_1670379527875\" id=\"ld_icon_box_6a7c796847f9c\"   >\n\t\n\t\t\t<span class=\"iconbox-label\">3<\/span>\t\t\n\t\n\t<div class=\"iconbox-icon-wrap\"><span class=\"iconbox-icon-container\"><img decoding=\"async\" src=\"\" class=\"liquid-image-icon\" \/><\/span><\/div>\t\n\t\t\n\t\t\n\t\t\n\t<h3 class=\"lqd-iconbox-title \">Your savings;<\/h3>\t\t\t\n\t\t\n\t\n<\/div>\n[\/vc_column_inner][vc_column_inner parallax=&#8221;yes&#8221; width=&#8221;1\/2&#8243; scale_from_x=&#8221;1&#8243; scale_from_y=&#8221;1&#8243; from_opacity=&#8221;1&#8243; scale_to_x=&#8221;1&#8243; scale_to_y=&#8221;1&#8243; to_opacity=&#8221;1&#8243; enable_content_animation=&#8221;yes&#8221; animation_preset=&#8221;Fade In&#8221; scale_from_z=&#8221;1&#8243; scale_to_z=&#8221;1&#8243; responsive_css=&#8221;margin_top_medium:34px&#8221; translate_from_y=&#8221;-27&#8243; translate_to_y=&#8221;70&#8243; ca_duration=&#8221;1800&#8243; ca_start_delay=&#8221;250&#8243; ca_delay=&#8221;80&#8243;]<style>.ld_icon_box_6a7c796848417 .iconbox-icon-container{margin-bottom:23px !important;border-radius:px;}.ld_icon_box_6a7c796848417 .lqd-iconbox-title{color:rgb(34, 34, 34);margin-bottom:20px;}.ld_icon_box_6a7c796848417:before{background:rgb(255, 255, 255);}.ld_icon_box_6a7c796848417:hover, .ld_icon_box_6a7c796848417:hover p, .ld_icon_box_6a7c796848417:hover .contents{color:rgb(26, 26, 26);}.ld_icon_box_6a7c796848417 .iconbox-icon-container img,.ld_icon_box_6a7c796848417 .iconbox-icon-container > svg{width:68px !important;}<\/style>\n<div class=\"iconbox text-left iconbox-round iconbox-shadow iconbox-heading-sm iconbox-filled iconbox-filled iconbox-filled-hover iconbox-scale-bg ld_icon_box_6a7c796848417 vc_custom_1670379539219\" id=\"ld_icon_box_6a7c796848417\"   >\n\t\n\t\t\t<span class=\"iconbox-label\">4<\/span>\t\t\n\t\n\t<div class=\"iconbox-icon-wrap\"><span class=\"iconbox-icon-container\"><img decoding=\"async\" src=\"\" class=\"liquid-image-icon\" \/><\/span><\/div>\t\n\t\t\n\t\t\n\t\t\n\t<h3 class=\"lqd-iconbox-title \">Your assets.<\/h3>\t\t\t\n\t\t\n\t\n<\/div>\n[\/vc_column_inner][\/vc_row_inner]<style>.ld_spacer_6a7c79684861b{height:32px;}<\/style>\n<div class=\"ld-empty-space ld_spacer_6a7c79684861b\"><\/div><style>.ld_fancy_heading_6a7c79684875b p {font-size:17px; } .ld_fancy_heading_6a7c79684875b p {line-height:28px; } .ld_fancy_heading_6a7c79684875b p {--element-line-height:28px; } .ld_fancy_heading_6a7c79684875b p {margin-bottom:1.65em !important;  } .ld_fancy_heading_6a7c79684875b .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a7c79684875b p {font-size:17px; } .ld_fancy_heading_6a7c79684875b p {line-height:28px; } .ld_fancy_heading_6a7c79684875b p {--element-line-height:28px; } .ld_fancy_heading_6a7c79684875b p {margin-bottom:1.65em !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a7c79684875b\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default lqd-split-lines\"   data-split-text=\"true\" data-split-options='{\"type\":\"lines\"}'>  <\/p>\n<p>High indebtedness and irregular income severely limit your ability to borrow. Mortgage lenders, such as banks and credit unions, evaluate these factors during pre-qualification.<\/p>\n<p>Conversely, lenders will look favorably on you if you have few debts and a stable (and preferably well-paid!) job.<\/p>\n<p><\/p><\/div>[\/vc_column][\/vc_row][vc_row responsive_css=&#8221;margin_bottom_medium:100px|padding_top_medium:50px|padding_bottom_medium:75px&#8221; css=&#8221;.vc_custom_1662459777873{margin-bottom: 100px !important;padding-top: 35px !important;padding-bottom: 35px !important;}&#8221;][vc_column gradient_bg_color=&#8221;linear-gradient(134deg, rgb(0, 0, 0) 17.197452229299362%, rgb(81, 81, 81) 100%)&#8221; css=&#8221;.vc_custom_1660822563252{border-radius: 5px !important;}&#8221;][vc_row_inner equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221; gap=&#8221;0&#8243;][vc_column_inner width=&#8221;2\/3&#8243; responsive_css=&#8221;padding_right_large:50px|padding_left_large:50px|border_right_medium:1px|border_bottom_medium:0px|padding_top_medium:75px|padding_right_medium:30px|padding_bottom_medium:75px|padding_left_medium:55px&#8221; css=&#8221;.vc_custom_1663173766145{border-right-width: 0px !important;border-bottom-width: 1px !important;padding-top: 35px !important;padding-right: 15px !important;padding-bottom: 35px !important;padding-left: 15px !important;border-right-color: rgba(255,255,255,0.23) !important;border-right-style: solid !important;border-bottom-color: rgba(255,255,255,0.23) !important;border-bottom-style: solid !important;}&#8221;]<style>.ld_fancy_heading_6a7c796848cf6 h2{color:rgb(255, 255, 255);}.ld_fancy_heading_6a7c796848cf6 h2 {font-size:42px; } .ld_fancy_heading_6a7c796848cf6 h2 {line-height:50px; } .ld_fancy_heading_6a7c796848cf6 h2 {--element-line-height:50px; } .ld_fancy_heading_6a7c796848cf6 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a7c796848cf6 h2 {font-size:42px; } .ld_fancy_heading_6a7c796848cf6 h2 {line-height:50px; } .ld_fancy_heading_6a7c796848cf6 h2 {--element-line-height:50px; } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a7c796848cf6\">\n\t<h2 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  Get pre-qualified with Team Distinction<\/h2><\/div><style>.ld_fancy_heading_6a7c796849367 p{color:rgba(255, 255, 255, 0.75);}.ld_fancy_heading_6a7c796849367 p {font-size:17px; } .ld_fancy_heading_6a7c796849367 p {line-height:28px; } .ld_fancy_heading_6a7c796849367 p {--element-line-height:28px; } .ld_fancy_heading_6a7c796849367 p {margin-bottom:1.85em !important;  } .ld_fancy_heading_6a7c796849367 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;background:#b8952c!important;}.ld_fancy_heading_6a7c796849367 p {font-size:17px; } .ld_fancy_heading_6a7c796849367 p {line-height:28px; } .ld_fancy_heading_6a7c796849367 p {--element-line-height:28px; } .ld_fancy_heading_6a7c796849367 p {margin-bottom:1.85em !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a7c796849367\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"  data-inview=\"true\" data-transition-delay=\"true\" data-delay-options=\"{&quot;elements&quot;:&quot;.lqd-highlight-inner&quot;,&quot;delayType&quot;:&quot;transition&quot;}\"  >  <mark class=\"lqd-highlight\"><span class=\"lqd-highlight-txt\"  >Team Distinction<\/span><span class=\"lqd-highlight-inner\"><svg class=\"lqd-highlight-brush-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"235.509\" height=\"13.504\" viewBox=\"0 0 235.509 13.504\" aria-hidden=\"true\" preserveAspectRatio=\"none\"><path d=\"M163,.383a13.044,13.044,0,0,1,1.517-.072,3.528,3.528,0,0,1,1.237-.134q.618.044,1.237.044a.249.249,0,0,1-.1.178.337.337,0,0,0-.1.266q3.092.088,6.184-.044T178.953.4l-.206-.088a12,12,0,0,0,4.123,0,13.467,13.467,0,0,1,5.772,0q1.443-.178,2.68-.266A5.978,5.978,0,0,1,193.8.4,16.707,16.707,0,0,1,198.01.045q2.164.088,4.844.088-.618.088-.824.134L201.412.4a3.893,3.893,0,0,0,2.061,0,5.413,5.413,0,0,1,1.649-.356q.618.088,1.134.178a9.762,9.762,0,0,0,1.544.09,17,17,0,0,1,3.092-.266q1.649,0,3.5.178,2.886.088,5.875.044t5.875-.222q0,.088.206.088h.412a21.975,21.975,0,0,0,2.577.889A12.458,12.458,0,0,1,232.12,2.18a3.962,3.962,0,0,1,1.031.622A3.349,3.349,0,0,1,234.8,3.825a5.079,5.079,0,0,1,.618,1.111q.412.534-1.031.98-1.031.444-.618.98a2.09,2.09,0,0,1,.206.889q0,.444.825.889.618.8-.206,1.245l-1.237.534q-1.443-.088-2.68-.134a17.255,17.255,0,0,1-2.267-.222,3.128,3.128,0,0,0-.928-.044,3.129,3.129,0,0,1-.928-.044q-2.267-.178-4.432-.266T217.7,9.476q-1.649-.088-2.886-.088a17.343,17.343,0,0,1-2.474-.178q-3.916,0-7.73-.088t-7.73-.266l-12.471-.178q-6.287-.088-12.883-.088h-1.958q-.928,0-1.958.088h-2.061q-1.031,0-2.061-.088-2.68-.088-5.256-.134t-5.256.044h-5.462q-2.577,0-5.462.088-4.535.088-8.76.178t-8.554.088q-2.886.088-5.875.088t-5.875.088q-1.443.088-2.886.134t-3.092.044q-4.741.178-9.791.312t-9.791.312q-2.267.088-4.329.088T78.77,10.1q-4.329.266-8.863.49t-9.276.49q-1.237.088-2.68.134a24.356,24.356,0,0,0-2.683.224q-2.68.178-5.462.312t-5.668.4q-2.474.266-4.741.312t-4.741.044q-1.031-.088-1.958-.134a9.684,9.684,0,0,1-1.958-.312,12.5,12.5,0,0,0-1.443-.312q-.825-.134-1.856-.31-2.886.356-6.39.666t-6.8.845a26.709,26.709,0,0,1-2.886.356,20.758,20.758,0,0,1-9.482-.889Q.232,11.962.026,11.25T1.263,9.917q0-.266.825-.266a13.039,13.039,0,0,0,2.886-.444A17.187,17.187,0,0,1,7.86,8.672q3.092-.266,6.184-.8,1.649-.178,3.3-.312t3.5-.312q4.123-.354,8.039-.712t8.039-.622q9.478-.8,18.758-1.338,2.68-.178,5.153-.356t4.741-.356q2.474-.178,5.05-.356T75.88,3.24h1.34a4.829,4.829,0,0,0,1.34-.178q2.267-.178,4.329-.222t4.329-.134a7.256,7.256,0,0,1,2.267,0,3.459,3.459,0,0,0,1.031-.088,6.009,6.009,0,0,1,2.37-.266,14.745,14.745,0,0,0,2.783-.088q1.649,0,2.474.088a1.308,1.308,0,0,1,.185.011,1.226,1.226,0,0,1,.33-.1,3.656,3.656,0,0,0,.515-.088,4.433,4.433,0,0,1,2.886.266q.412-.088,1.031-.178l1.237-.178q.412,0,1.031.044a5.761,5.761,0,0,0,1.237-.044q2.886-.088,5.772-.044a53.829,53.829,0,0,0,5.772-.222,9.505,9.505,0,0,1,1.34-.088h1.34a4.428,4.428,0,0,1,.821-.258l.825-.178a15.178,15.178,0,0,1,1.855.444,3.028,3.028,0,0,1,1.031-.534,4.039,4.039,0,0,1,1.443-.178,6.158,6.158,0,0,1,1.649.178,5.05,5.05,0,0,0,2.267.268q1.855-.088,3.813-.134T138.13,1.2q1.031,0,2.164-.044t2.37-.044q-.206-.088.412-.534h3.092q.412,0,.309.266t.928,0a5.845,5.845,0,0,1,1.443,0,31.833,31.833,0,0,0,5.359.088,21.471,21.471,0,0,1,6.8.178,5.236,5.236,0,0,0,1.031-.4q.412-.222.825-.4a.694.694,0,0,1,.137.07Z\" transform=\"translate(0 0.002)\"\/><\/svg><\/span><\/mark> offers you a 100% online mortgage pre-qualification, in only 5 minutes! Simply fill out the form\u2019s fields and follow the steps. Please do not hesitate to reach out if you have any questions!<\/p><\/div><style>.ld_button_6a7c79684971d.btn-icon-solid .btn-icon{background:#b8952c;}.ld_button_6a7c79684971d.btn-icon-circle.btn-icon-ripple .btn-icon:before{border-color:#b8952c;}.ld_button_6a7c79684971d.btn-icon-solid:hover .btn-icon{background:rgb(0, 0, 0);}.ld_button_6a7c79684971d{background-color:#b8952c;border-color:#b8952c;}.ld_button_6a7c79684971d:hover{background-color:rgb(0, 0, 0);border-color:rgb(0, 0, 0);color:rgb(255, 255, 255);}.ld_button_6a7c79684971d .btn-gradient-bg-hover{background:-webkit-linear-gradient(to right, rgb(0, 0, 0) 0%, rgb(0, 0, 0) 100%);background:linear-gradient(to right, rgb(0, 0, 0) 0%, rgb(0, 0, 0) 100%);}.ld_button_6a7c79684971d .btn-gradient-border defs stop:first-child{stop-color:#b8952c;}.ld_button_6a7c79684971d .btn-gradient-border defs stop:last-child{stop-color:#b8952c;}.ld_button_6a7c79684971d:hover .btn-gradient-border defs stop:first-child{stop-color:rgb(0, 0, 0);}.ld_button_6a7c79684971d:hover .btn-gradient-border defs stop:last-child{stop-color:rgb(0, 0, 0);}<\/style><a href=\"\/en\/get-my-rate\/\" class=\"btn btn-solid text-uppercase btn-hover-txt-liquid-x btn-xsm circle border-thin btn-hover-swp btn-has-label ld_button_6a7c79684971d vc_custom_1671064306832\" >\n\t<span>\n\t\n\t\t\t\t\t<span class=\"btn-txt\" data-text=\"GET MY PRE-QUALIFICATION\" data-split-text=\"true\"\n\t\t\t\t\t    data-split-options='{\"type\": \"chars, words\"}'>GET MY PRE-QUALIFICATION<\/span>\n\t\t\n\t<span class=\"btn-icon\"><i class=\"lqd-icn-ess icon-md-arrow-forward\"><\/i><\/span>\t<span class=\"btn-icon\"><i class=\"lqd-icn-ess icon-md-arrow-forward\"><\/i><\/span>\t\t\t<\/span>\n<\/a>\n<style>.ld_button_6a7c796849c71.btn-icon-solid .btn-icon{background:#b8952c;}.ld_button_6a7c796849c71.btn-icon-circle.btn-icon-ripple .btn-icon:before{border-color:#b8952c;}.ld_button_6a7c796849c71.btn-icon-solid:hover .btn-icon{background:rgb(0, 0, 0);}.ld_button_6a7c796849c71{background-color:#b8952c;border-color:#b8952c;}.ld_button_6a7c796849c71:hover{background-color:rgb(0, 0, 0);border-color:rgb(0, 0, 0);color:rgb(255, 255, 255);}.ld_button_6a7c796849c71 .btn-gradient-bg-hover{background:-webkit-linear-gradient(to right, rgb(0, 0, 0) 0%, rgb(0, 0, 0) 100%);background:linear-gradient(to right, rgb(0, 0, 0) 0%, rgb(0, 0, 0) 100%);}.ld_button_6a7c796849c71 .btn-gradient-border defs stop:first-child{stop-color:#b8952c;}.ld_button_6a7c796849c71 .btn-gradient-border defs stop:last-child{stop-color:#b8952c;}.ld_button_6a7c796849c71:hover .btn-gradient-border defs stop:first-child{stop-color:rgb(0, 0, 0);}.ld_button_6a7c796849c71:hover .btn-gradient-border defs stop:last-child{stop-color:rgb(0, 0, 0);}<\/style><a href=\"https:\/\/lescourtiershypothecaires.ca\/en\/contact-us\/#contact\" title=\"Contact us\" class=\"btn btn-solid text-uppercase btn-hover-txt-liquid-x btn-xsm circle border-thin btn-hover-swp btn-has-label ld_button_6a7c796849c71 vc_custom_1778698290762\" >\n\t<span>\n\t\n\t\t\t\t\t<span class=\"btn-txt\" data-text=\"TALK TO AN EXPERT\" data-split-text=\"true\"\n\t\t\t\t\t    data-split-options='{\"type\": \"chars, words\"}'>TALK TO AN EXPERT<\/span>\n\t\t\n\t<span class=\"btn-icon\"><i class=\"lqd-icn-ess icon-md-arrow-forward\"><\/i><\/span>\t<span class=\"btn-icon\"><i class=\"lqd-icn-ess icon-md-arrow-forward\"><\/i><\/span>\t\t\t<\/span>\n<\/a>\n[\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243; responsive_css=&#8221;padding_right_large:50px|padding_left_large:50px|border_right_medium:1px|border_bottom_medium:0px|padding_top_medium:75px|padding_right_medium:30px|padding_bottom_medium:55px|padding_left_medium:45px&#8221; css=&#8221;.vc_custom_1660821597070{border-right-width: 0px !important;border-bottom-width: 1px !important;padding-top: 35px !important;padding-right: 15px !important;padding-bottom: 15px !important;padding-left: 15px !important;border-right-color: rgba(255,255,255,0.23) !important;border-right-style: solid !important;border-bottom-color: rgba(255,255,255,0.23) !important;border-bottom-style: solid !important;}&#8221;]<style>.ld_fancy_heading_6a7c79684a519 p{color:rgba(255, 255, 255, 0.75);}.ld_fancy_heading_6a7c79684a519 p {font-size:16px; } .ld_fancy_heading_6a7c79684a519 p {line-height:28px; } .ld_fancy_heading_6a7c79684a519 p {--element-line-height:28px; } .ld_fancy_heading_6a7c79684a519 p {margin-bottom:1.85em !important;  } .ld_fancy_heading_6a7c79684a519 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a7c79684a519 p {font-size:16px; } .ld_fancy_heading_6a7c79684a519 p {line-height:28px; } .ld_fancy_heading_6a7c79684a519 p {--element-line-height:28px; } .ld_fancy_heading_6a7c79684a519 p {margin-bottom:1.85em !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a7c79684a519\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  Do not hesitate <a href=\"https:\/\/lescourtiershypothecaires.ca\/en\/contact-us\/\">to contact us<\/a> if you have any questions!<\/p><\/div>[\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row][vc_column]<style>.ld_fancy_heading_6a7c79684afcc h2 {margin-bottom:1em !important;  } .ld_fancy_heading_6a7c79684afcc .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a7c79684afcc h2 {margin-bottom:1em !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a7c79684afcc\">\n\t<h2 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  Contact us for an appointment<\/h2><\/div><div id=\"ld_cf7_6a7c79684b8f0\" class=\"lqd-contact-form ld_cf7_6a7c79684b8f0\">\n\t\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f5038-o1\" lang=\"fr-FR\" dir=\"ltr\" data-wpcf7-id=\"5038\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/en\/wp-json\/wp\/v2\/pages\/2388#wpcf7-f5038-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Formulaire de contact\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"5038\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.6\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"fr_FR\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f5038-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<\/fieldset>\n<div class=\"row g-4\">\n\t<div class=\"col-12 col-lg-6\">\n\t\t<p><label> <span class=\"wpcf7-form-control-wrap\" data-name=\"your-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" autocomplete=\"name\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Name\" value=\"\" type=\"text\" name=\"your-name\" \/><\/span> <\/label>\n\t\t<\/p>\n\t<\/div>\n\t<div class=\"col-12 col-lg-6\">\n\t\t<p><label> <span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" autocomplete=\"email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Email\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span> <\/label>\n\t\t<\/p>\n\t<\/div>\n<\/div>\n<div class=\"row g-4\">\n\t<div class=\"col-12 col-lg-6\">\n\t\t<p><label> <span class=\"wpcf7-form-control-wrap\" data-name=\"your-phone\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel\" autocomplete=\"phone\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Phone\" value=\"\" type=\"tel\" name=\"your-phone\" \/><\/span> <\/label>\n\t\t<\/p>\n\t<\/div>\n\t<div class=\"col-12 col-lg-6\">\n\t\t<p><label> <span class=\"wpcf7-form-control-wrap\" data-name=\"slt-pref\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" name=\"slt-pref\"><option value=\"\">Callback preference<\/option><option value=\"Anytimes\">Anytimes<\/option><option value=\"During the day only\">During the day only<\/option><option value=\"During the evening only\">During the evening only<\/option><option value=\"Morning\">Morning<\/option><option value=\"After-noon\">After-noon<\/option><\/select><\/span> <\/label>\n\t\t<\/p>\n\t<\/div>\n<\/div>\n<p><label> <span class=\"wpcf7-form-control-wrap\" data-name=\"your-message\"><textarea cols=\"40\" rows=\"10\" maxlength=\"2000\" class=\"wpcf7-form-control wpcf7-textarea\" aria-invalid=\"false\" placeholder=\"Your question or project ?\" name=\"your-message\"><\/textarea><\/span> <\/label>\n<\/p>\n<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"CALL ME BACK\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n<\/div>[\/vc_column][\/vc_row][vc_row size=&#8221;md&#8221; borders=&#8221;accordion-title-underlined&#8221; border_round=&#8221;&#8221; body_border_round=&#8221;&#8221; items_shadow=&#8221;&#8221; heading_shadow=&#8221;&#8221; active_style=&#8221;&#8221; use_custom_fonts_title=&#8221;true&#8221; show_icon=&#8221;yes&#8221; i_add_icon=&#8221;true&#8221; expander_position=&#8221;&#8221; expander_size=&#8221;&#8221; i_type=&#8221;linea&#8221; active_add_icon=&#8221;true&#8221; active_type=&#8221;linea&#8221; active_tab=&#8221;1&#8243; fs=&#8221;19px&#8221; i_icon_linea=&#8221;lqd-icn-ess icon-ion-ios-add&#8221; active_icon_linea=&#8221;lqd-icn-ess icon-ion-ios-remove&#8221; fw=&#8221;500&#8243; bottom_margin=&#8221;&#8221; lh=&#8221;&#8221; ls=&#8221;&#8221; sh_separator=&#8221;&#8221; i_icon_fontawesome=&#8221;&#8221; i_icon_animated=&#8221;&#8221; i_icon_image=&#8221;&#8221; active_icon_fontawesome=&#8221;&#8221; active_icon_animated=&#8221;&#8221; active_icon_image=&#8221;&#8221; content_bg=&#8221;&#8221; bg_color=&#8221;&#8221; active_bg_color=&#8221;&#8221; heading_color=&#8221;&#8221; heading_g_color=&#8221;&#8221; active_heading_color=&#8221;&#8221; active_heading_g_color=&#8221;&#8221; border_color=&#8221;&#8221; active_border_color=&#8221;&#8221; exp_color=&#8221;&#8221; active_exp_color=&#8221;&#8221;][vc_column]<style>.vc_accordion_6a7c79684f378 .accordion-title{font-size:19px;font-weight:500;}<\/style><div class=\"accordion accordion-md accordion-title-underlined vc_accordion_6a7c79684f378\" id=\"vc_accordion_6a7c79684f378\"\n     role=\"tablist\" aria-multiselectable=\"true\">\n\n\t            <div class=\"accordion-item panel  active \">\n\n                <div class=\"accordion-heading\" role=\"tab\" id=\"heading_lqd-1724359012268-7efd402b-1594\" data-id=\"lqd-1724359012268-7efd402b-1594\">\n                    <h4 class=\"accordion-title\" data-controls=\"lqd-1724359012268-7efd402b-1594\" tabindex=\"-1\">\n                        <a tabindex=\"0\" class=\"\" data-toggle=\"collapse\"  data-bs-toggle=\"collapse\"\n                           data-parent=\"#vc_accordion_6a7c79684f378\" data-bs-parent=\"#vc_accordion_6a7c79684f378\" href=\"#lqd-1724359012268-7efd402b-1594\" data-bs-target=\"#lqd-1724359012268-7efd402b-1594\"\n                           aria-expanded=\"true\" aria-controls=\"lqd-1724359012268-7efd402b-1594\">\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tFind out more about mortgage pre-qualification\n\t\t\t\t\t\t\t                                <span class=\"accordion-expander\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-add\"><\/i>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-remove\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n                        <\/a>\n\n                    <\/h4>\n                <\/div>\n\n                <div id=\"lqd-1724359012268-7efd402b-1594\" class=\"accordion-collapse collapse show\"\n                    data-bs-parent=\"#vc_accordion_6a7c79684f378\" role=\"tabpanel\" aria-labelledby=\"heading_lqd-1724359012268-7efd402b-1594\">\n                    <div class=\"accordion-content\">\n\t\t\t\t\t\t[vc_column_text]<\/p>\n<h3>What is mortgage pre-qualification?<\/h3>\n<p><span style=\"font-weight: 400;\">Mortgage pre-qualification is a crucial step in the home-buying process. It helps you determine your borrowing capacity before you start looking for a home. By getting pre-qualified, you can better focus your search and demonstrate to sellers that you&#8217;re a serious buyer. This process involves a summary evaluation of your income, debts and credit history by mortgage lenders. Once you&#8217;ve completed this step, you&#8217;ll have a clearer idea of your budget and the purchase price you can consider.<\/span><\/p>\n<h3>How does pre-qualification differ from mortgage pre-approval?<\/h3>\n<p><span style=\"font-weight: 400;\">Mortgage pre-approval is a more advanced stage than pre-qualification. It requires a thorough verification of your financial capacity by a bank or other mortgage lender. You&#8217;ll need to provide documents such as proof of income, bank statements and credit history. After this assessment, you&#8217;ll receive a mortgage pre-approval letter indicating the amount you can borrow and the interest rate offered, whether fixed or variable. This pre-approval reinforces your position as a serious buyer and can speed up mortgage financing once you&#8217;ve found the home of your dreams.<\/span><\/p>\n<h3>Why work with a mortgage broker to qualify for a mortgage?<\/h3>\n<p><span style=\"font-weight: 400;\">There are many advantages to working with a mortgage broker for your pre-qualification. Brokers have access to a wide range of lenders and mortgage products, including financial institutions and credit unions. They can help you navigate the pre-qualification process by ensuring that you provide all the necessary documentation, such as proof of income and debt statements. In addition, a mortgage broker can help you obtain more competitive mortgage rates by comparing offers from different lenders. Their expertise will guide you through the buying process, ensuring a hassle-free pre-qualification.<\/span><\/p>\n<h3>How do I get pre-qualified for a mortgage?<\/h3>\n<p><span style=\"font-weight: 400;\">To obtain a mortgage pre-qualification, you need to follow a few simple steps. Start by gathering financial information such as your income, debts and assets. Then contact a mortgage broker or loan officer to begin the pre-qualification process. You&#8217;ll need to fill out a form detailing your financial situation and provide documents such as bank statements and proof of income. The mortgage lender will analyze this information to estimate your borrowing capacity and determine the amount of mortgage you qualify for. This estimate will help you better plan your home purchase in Quebec.<\/span><\/p>\n<h3>What documents do I need to get pre-approved for a mortgage?<\/h3>\n<p><span style=\"font-weight: 400;\">To get <\/span><b>pre-approved for a mortgage<\/b><span style=\"font-weight: 400;\">, you&#8217;ll need to provide several documents to your mortgage lender. These documents generally include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Proof of income: <\/b><span style=\"font-weight: 400;\">pay stubs, bank statements, tax returns, especially if you&#8217;re self-employed.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Debt statements: <\/b><span style=\"font-weight: 400;\">credit card statements, student loans, car loans.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Credit report: <\/b><span style=\"font-weight: 400;\">a recent credit history.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Personal information: <\/b><span style=\"font-weight: 400;\">identification, social insurance number.\u00a0\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Providing these documents accurately and completely allows lenders to assess your creditworthiness and determine your ability to obtain final approval for a mortgage.<\/span><\/p>\n<h3>What factors influence my mortgage rate?<\/h3>\n<p><span style=\"font-weight: 400;\">Several factors can influence the mortgage rate you receive:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Your credit rating: <\/b><span style=\"font-weight: 400;\">A high credit rating shows that you are a reliable borrower, which may qualify you for lower interest rates.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Your debt-to-income ratio: <\/b><span style=\"font-weight: 400;\">Lenders prefer a low ratio, which indicates good financial capacity.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Your down payment: <\/b><span style=\"font-weight: 400;\">A larger down payment can lower your interest rate, as it reduces the lender&#8217;s risk.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Loan term: <\/b><span style=\"font-weight: 400;\">Shorter-term mortgages often have lower interest rates.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Market conditions: <\/b><span style=\"font-weight: 400;\">Prevailing rates fluctuate according to the overall economy and Bank of Canada policies. By understanding these factors, you can better prepare yourself and potentially improve the terms of your mortgage, whether fixed or variable.<\/span><\/li>\n<\/ol>\n<p>[\/vc_column_text]                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[vc_row full_height=&#8221;yes&#8221; columns_placement=&#8221;bottom&#8221; parallax=&#8221;enable_parallax&#8221; enable_content_animation=&#8221;yes&#8221; ca_init_scale_x=&#8221;1&#8243; ca_init_scale_y=&#8221;1&#8243; ca_init_opacity=&#8221;0&#8243; ca_an_scale_x=&#8221;1&#8243; ca_an_scale_y=&#8221;1&#8243; ca_an_opacity=&#8221;1&#8243; bg_position=&#8221;custom&#8221; enable_overlay=&#8221;yes&#8221; css=&#8221;.vc_custom_1664226202309{padding-bottom: 100px !important;background: #111214 url(https:\/\/lescourtiershypothecaires.ca\/wp-content\/uploads\/2022\/07\/Prequalification.jpg?id=808);background-position:center;background-repeat:-repeat;background-size:cover;}&#8221; responsive_css=&#8221;padding_top_large:200px|padding_bottom_large:200px|padding_right_medium:7%25|padding_bottom_medium:15vw|padding_left_medium:7%25&#8243; ca_duration=&#8221;1600&#8243; ca_start_delay=&#8221;850&#8243; ca_delay=&#8221;160&#8243; ca_init_translate_y=&#8221;25&#8243; bg_pos_h=&#8221;80%&#8221; bg_pos_v=&#8221;50%&#8221; overlay_bg=&#8221;rgba(0, 0, 0, 0.74)&#8221;][vc_column][vc_column_text] Simplify your buying process with a mortgage pre-qualification [\/vc_column_text][vc_row_inner content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1663171407812{padding-top: 30px !important;padding-bottom: 20px !important;}&#8221;][vc_column_inner responsive_align=&#8221;text-center&#8221;][\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column css=&#8221;.vc_custom_1608189980216{padding-top: 17px !important;}&#8221;][vc_separator color=&#8221;custom&#8221; accent_color=&#8221;rgba(255,255,255,0.23)&#8221;][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1663173494905{padding-top: 50px !important;padding-bottom: 100px !important;background-image: [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":0,"parent":0,"menu_order":2,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-2388","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Mortgage Pre-qualification<\/title>\n<meta name=\"description\" content=\"Are you shopping for real estate? 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