{"id":3638,"date":"2019-01-10T17:36:51","date_gmt":"2019-01-10T22:36:51","guid":{"rendered":"http:\/\/xperto-hypotheque-victor-hugo.ca\/mortgage-pre-qualification\/"},"modified":"2023-12-28T14:16:46","modified_gmt":"2023-12-28T19:16:46","slug":"mortgage-pre-qualification","status":"publish","type":"page","link":"https:\/\/xperto-hypotheque-victor-hugo.ca\/en\/mortgages\/mortgage-pre-qualification\/","title":{"rendered":"Pr\u00e9-approbation hypoth\u00e9caire : prenez de l&#8217;avance gr\u00e2ce \u00e0 votre courtier hypoth\u00e9caire Xperto"},"content":{"rendered":"<p><\/p>\n<!--themify_builder_content-->\n<div id=\"themify_builder_content-3638\" data-postid=\"3638\" class=\"themify_builder_content themify_builder_content-3638 themify_builder tf_clear\">\n                    <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_8dsm535 tb_first tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_ysqb535 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_nubd535  repeat  tb_gs707463a\" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <h1><span class=\"blue-bg\">Mortgage pre-approval:<br>getting ahead with your<br>Xperto mortgage broker<\/span><\/h1>    <\/div>\n<\/div>\n<!-- \/module text --><!-- module buttons -->\n<div  class=\"module module-buttons tb_mavf712 buttons-horizontal solid  tb_gs708263a\" data-lazy=\"1\">\n        <div class=\"module-buttons-item tf_in_flx\">\n                        <a href=\"\/en\/interactive-form\/pre-approuval\/\" class=\"ui builder_button tf_in_flx green\" >\n                                                GET MY PRE-APPROVAL                                        <\/a>\n                <\/div>\n            <\/div>\n<!-- \/module buttons -->\n        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_7ztb759 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_gikc760 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_1cz7760 custom-check   tb_gs707463a\" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <h2>What is mortgage <span class=\"greenunderline\">prequalification<\/span> (also known as mortgage pre-approval)? What are its benefits?<\/h2>\n<p>The first step of the mortgage pre-approval process consists of scheduling a meeting with your mortgage broker at Xperto, absolutely free of charge. During the course of the meeting, you will go through the following key steps:<\/p>\n<ul>\n<li>You will determine your financing needs based on several factors (income, expenses, assets, down payment, amount you want to allocate to the mortgage repayment each month, etc.);<\/li>\n<li>You will be informed of the costs you\u2019ll have to pay for the purchase of your property (inspection, notary, municipal and school taxes, 9% tax on the insurance premium, welcome or transfer tax);<\/li>\n<li>You will leave the meeting with a list of documents that you\u2019ll need to provide to your broker at a later date (the more complete your file, the more accurately your mortgage simulation will reflect your present circumstances).<\/li>\n<\/ul>\n    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_gs707463a tb_niyf352 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_b6uf352 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_j0qa352 custom-check   tb_gs707463a\" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <h2>What are the benefits of mortgage <span class=\"greenunderline\">prequalification<\/span>?<\/h2>\n<ul>\n<li>Know your borrowing capacity.<\/li>\n<li>Get your credit rating.<\/li>\n<li>Quickly obtain the best mortgage offer from a multitude of financial institutions.<\/li>\n<\/ul>\n    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_8pkt815 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_54o4815 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_rvuh975 custom-check   tb_gs707463a\" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <h2>Why entrust your mortgage <span class=\"greenunderline\">pre-approval<\/span> with Xperto?<\/span><\/h2>\n<p>In addition to speeding up the purchasing process when you find your dream property, mortgage pre-approval allows you to \u201cfreeze\u201d the interest rate for 120 days. Essentially, this guarantees that your rate will not increase during this period. Even if the rate happens to drop further, you can still capitalize on it, ensuring that you get the best rate in this window period.<\/p>\n<p>Properly building your file will also help you save valuable time during your offer. Today, a short 10-day period (including weekends and holidays) is often granted to obtain the necessary financing after the promise to purchase, whereas before this period could extend to 21 days.<\/p>\n<p>In addition, your real estate broker will benefit from your pre-approval results because knowledge of your exact budget allows for more targeted research.<\/p>\n    <\/div>\n<\/div>\n<!-- \/module text --><!-- module box -->\n<div  class=\"module module-box tb_zd4x825  tb_gs707463a\" data-lazy=\"1\">\n    <div class=\"module-box-content ui  tb_default_color\">\n                <div class=\"tb_text_wrap\"><p>Psst! In order to serve you best, it is important to keep us informed of all the major actions that you undertake with your real estate broker. This will ensure that we\u2019re all on the same page, allowing for a more efficient prequalification process.<\/p><\/div>\n    <\/div>\n<\/div>\n<!-- \/module box -->\n<!-- module buttons -->\n<div  class=\"module module-buttons tb_v74d537 buttons-horizontal solid  tb_gs708263a\" data-lazy=\"1\">\n        <div class=\"module-buttons-item tf_in_flx\">\n                        <a href=\"\/en\/interactive-form\/pre-approuval\/\" class=\"ui builder_button tf_in_flx green\" >\n                                                GET MY PRE-APPROVAL                                        <\/a>\n                <\/div>\n            <\/div>\n<!-- \/module buttons -->\n        <\/div>\n                        <\/div>\n        <\/div>\n        <\/div>\n<!--\/themify_builder_content-->","protected":false},"excerpt":{"rendered":"<p>Mortgage pre-approval:getting ahead with yourXperto mortgage broker GET MY PRE-APPROVAL What is mortgage prequalification (also known as mortgage pre-approval)? What are its benefits? The first step of the mortgage pre-approval process consists of scheduling a meeting with your mortgage broker at Xperto, absolutely free of charge. During the course of the meeting, you will go [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":4085,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-3638","page","type-page","status-publish","hentry","has-post-title","has-post-date","has-post-category","has-post-tag","has-post-comment","has-post-author",""],"aioseo_notices":[],"builder_content":"<h1>Mortgage pre-approval:<br>getting ahead with your<br>Xperto mortgage broker<\/h1>\n<a href=\"\/en\/interactive-form\/pre-approuval\/\" > GET MY PRE-APPROVAL <\/a>\n<h2>What is mortgage prequalification (also known as mortgage pre-approval)? What are its benefits?<\/h2> <p>The first step of the mortgage pre-approval process consists of scheduling a meeting with your mortgage broker at Xperto, absolutely free of charge. During the course of the meeting, you will go through the following key steps:<\/p> <ul> <li>You will determine your financing needs based on several factors (income, expenses, assets, down payment, amount you want to allocate to the mortgage repayment each month, etc.);<\/li> <li>You will be informed of the costs you\u2019ll have to pay for the purchase of your property (inspection, notary, municipal and school taxes, 9% tax on the insurance premium, welcome or transfer tax);<\/li> <li>You will leave the meeting with a list of documents that you\u2019ll need to provide to your broker at a later date (the more complete your file, the more accurately your mortgage simulation will reflect your present circumstances).<\/li> <\/ul>\n<h2>What are the benefits of mortgage prequalification?<\/h2> <ul> <li>Know your borrowing capacity.<\/li> <li>Get your credit rating.<\/li> <li>Quickly obtain the best mortgage offer from a multitude of financial institutions.<\/li> <\/ul>\n<h2>Why entrust your mortgage pre-approval with Xperto?<\/h2> <p>In addition to speeding up the purchasing process when you find your dream property, mortgage pre-approval allows you to \u201cfreeze\u201d the interest rate for 120 days. Essentially, this guarantees that your rate will not increase during this period. Even if the rate happens to drop further, you can still capitalize on it, ensuring that you get the best rate in this window period.<\/p> <p>Properly building your file will also help you save valuable time during your offer. Today, a short 10-day period (including weekends and holidays) is often granted to obtain the necessary financing after the promise to purchase, whereas before this period could extend to 21 days.<\/p> <p>In addition, your real estate broker will benefit from your pre-approval results because knowledge of your exact budget allows for more targeted research.<\/p>\n<p>Psst! In order to serve you best, it is important to keep us informed of all the major actions that you undertake with your real estate broker. This will ensure that we\u2019re all on the same page, allowing for a more efficient prequalification process.<\/p>\n<a href=\"\/en\/interactive-form\/pre-approuval\/\" > GET MY PRE-APPROVAL <\/a>","_links":{"self":[{"href":"https:\/\/xperto-hypotheque-victor-hugo.ca\/en\/wp-json\/wp\/v2\/pages\/3638","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/xperto-hypotheque-victor-hugo.ca\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/xperto-hypotheque-victor-hugo.ca\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/xperto-hypotheque-victor-hugo.ca\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/xperto-hypotheque-victor-hugo.ca\/en\/wp-json\/wp\/v2\/comments?post=3638"}],"version-history":[{"count":13,"href":"https:\/\/xperto-hypotheque-victor-hugo.ca\/en\/wp-json\/wp\/v2\/pages\/3638\/revisions"}],"predecessor-version":[{"id":8099,"href":"https:\/\/xperto-hypotheque-victor-hugo.ca\/en\/wp-json\/wp\/v2\/pages\/3638\/revisions\/8099"}],"up":[{"embeddable":true,"href":"https:\/\/xperto-hypotheque-victor-hugo.ca\/en\/wp-json\/wp\/v2\/pages\/4085"}],"wp:attachment":[{"href":"https:\/\/xperto-hypotheque-victor-hugo.ca\/en\/wp-json\/wp\/v2\/media?parent=3638"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}