{"id":13897,"date":"2024-05-07T17:03:23","date_gmt":"2024-05-07T17:03:23","guid":{"rendered":"https:\/\/hypothequerapide.com\/services\/"},"modified":"2025-08-04T18:30:53","modified_gmt":"2025-08-04T18:30:53","slug":"purchase","status":"publish","type":"page","link":"https:\/\/hypothequerapide.com\/en\/services\/purchase","title":{"rendered":"Purchase"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"13897\" class=\"elementor elementor-13897 elementor-11305\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6202deb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6202deb\" data-element_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-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-2eaa21b\" data-id=\"2eaa21b\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&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-e2b4e55 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"e2b4e55\" data-element_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\">Purchase<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aeed1ec elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"aeed1ec\" data-element_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>You are in the right place! In a single request, Mathieu Lebrun\u2019s Team negotiates for you the best possible rate for the purchase of your home, with more than 30 financial institutions.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b75219f e-con-full e-flex e-con e-parent\" data-id=\"b75219f\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-6d24c0e e-flex e-con-boxed e-con e-child\" data-id=\"6d24c0e\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8d1feca elementor-widget elementor-widget-text-editor\" data-id=\"8d1feca\" data-element_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>Get the best rate for your home purchase<\/p>\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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-eb77ec1 e-flex e-con-boxed e-con e-child\" data-id=\"eb77ec1\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d2824b6 elementor-widget elementor-widget-html\" data-id=\"d2824b6\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<input type=\"checkbox\" id=\"toggle\" class=\"toggleCheckbox\" \/>\n<label for=\"toggle\" class=\"toggleContainer\">\n <div>Fixed rate<\/div> \n <div>Variable rate<\/div>\n<\/label>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-298c962 e-flex e-con-boxed e-con e-child\" data-id=\"298c962\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-defa164 e-con-full e-flex e-con e-child\" data-id=\"defa164\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-14335bc elementor-widget elementor-widget-text-editor\" data-id=\"14335bc\" data-element_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>Call one of our mortgage brokers now<\/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-c8daae0 elementor-align-left bannerbutton elementor-widget elementor-widget-banca_btn\" data-id=\"c8daae0\" data-element_type=\"widget\" data-widget_type=\"banca_btn.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t            <a class=\"banca-ub-btn banca-ub-btn-normal banca-ub-btn-link elementor-button elementor-button-link elementor-size-lg ub-animation-left2right\" href=\"tel:514-907-4707\">\n                \n        <span class=\"elementor-button-content-wrapper\">\n            <span class=\"elementor-button-icon elementor-align-icon-left\">\n                            <\/span>\n            <span class=\"elementor-button-text\">\n                514-907-4707            <\/span>\n\t\t<\/span>\n                    <\/a>\n            \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-10a3899 e-con-full e-flex e-con e-child\" data-id=\"10a3899\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-6e23476 e-flex e-con-boxed e-con e-child\" data-id=\"6e23476\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4f806c6 elementor-widget elementor-widget-heading\" data-id=\"4f806c6\" data-element_type=\"widget\" id=\"tauxfixe\" 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\">5 years fixed* <span class=\"underline\" id=\"taux3\"><\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a51147 elementor-widget elementor-widget-heading\" data-id=\"1a51147\" data-element_type=\"widget\" id=\"tauxvariable\" 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\">5 years variable* <span class=\"underline\" id=\"taux4\"><\/span> <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f367cf elementor-align-left elementor-widget__width-inherit bannerbutton elementor-widget elementor-widget-banca_btn\" data-id=\"2f367cf\" data-element_type=\"widget\" data-widget_type=\"banca_btn.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t            <a class=\"banca-ub-btn banca-ub-btn-normal banca-ub-btn-link elementor-button elementor-button-link elementor-size-lg ub-animation-left2right\" href=\"#cta\">\n                \n        <span class=\"elementor-button-content-wrapper\">\n            <span class=\"elementor-button-icon elementor-align-icon-left\">\n                            <\/span>\n            <span class=\"elementor-button-text\">\n                Get this rate            <\/span>\n\t\t<\/span>\n                    <\/a>\n            \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7659b28 e-flex e-con-boxed e-con e-child\" data-id=\"7659b28\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7e634c4 elementor-widget elementor-widget-text-editor\" data-id=\"7e634c4\" data-element_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<a href=\"\/en\/rates\"><span style=\"text-decoration: underline;\">\nView all rates as of 25\/04\/26<\/span><\/a>\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\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ec41cfc elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"ec41cfc\" data-element_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<span style=\"font-size: 10px;\">*Conditions apply. Rates in effect today.<\/span>\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-617f83e elementor-hidden-tablet elementor-hidden-mobile\" data-id=\"617f83e\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\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<div class=\"elementor-element elementor-element-651a1e2 e-flex e-con-boxed e-con e-parent\" data-id=\"651a1e2\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f8975ed elementor-widget elementor-widget-heading\" data-id=\"f8975ed\" data-element_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\">The <span class=\"underline\">Loan Process<\/span> for your Home Purchase<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e6bc553 elementor-widget elementor-widget-heading\" data-id=\"e6bc553\" data-element_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 the <span class=\"underline\">4 simple and easy steps<\/span>:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-667bdaf e-flex e-con-boxed e-con e-parent\" data-id=\"667bdaf\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-d7955c9 e-con-full e-flex e-con e-child\" data-id=\"d7955c9\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0e24fad elementor-widget elementor-widget-heading\" data-id=\"0e24fad\" data-element_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\">Step 1<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-663d45f elementor-widget elementor-widget-heading\" data-id=\"663d45f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">The Loan Process<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dbeeaaa elementor-widget elementor-widget-text-editor\" data-id=\"dbeeaaa\" data-element_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>If you are buying a house in our area or any other part of the country, expect to go through a rigorous loan process. This process is somewhat tedious, but you need to go thru it so that you can get the loan you want. Documentation, loan application, additional documents and closing are some of the topics we will cover herein.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e8ded85 e-con-full e-flex e-con e-child\" data-id=\"e8ded85\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-09e5e6c elementor-widget elementor-widget-heading\" data-id=\"09e5e6c\" data-element_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\">Step 2<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-29cda99 elementor-widget elementor-widget-heading\" data-id=\"29cda99\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Documentation of the loan process<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b5ace72 elementor-widget elementor-widget-text-editor\" data-id=\"b5ace72\" data-element_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>Your lender requires a lot of documentation in order to lend you money. They will check out your financial data, credit score, and employment information in order to be sure you can pay back the loan. The documentation comprises bankruptcy papers, divorce decrees, purchase agreement, appraisal, rent, deposit, any other mortgage, pay stubs, tax returns, bank statements, and other documents a lender might deem as necessary.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-409c571 e-flex e-con-boxed e-con e-parent\" data-id=\"409c571\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-e92833b e-con-full e-flex e-con e-child\" data-id=\"e92833b\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-250a731 elementor-widget elementor-widget-heading\" data-id=\"250a731\" data-element_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\">Step 3<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b1992ef elementor-widget elementor-widget-heading\" data-id=\"b1992ef\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Loan Application<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cc2ed8b elementor-widget elementor-widget-text-editor\" data-id=\"cc2ed8b\" data-element_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>Lenders require that you fill out a loan application in addition to providing other financial data. The underwriter is the employee of the lender that will make sure the application and documentation is complete. The mortgage broker will be the link between the borrower and bank. The underwriter might take a few days to go over all the documentation provided. The underwriter will either approve the loan or require additional documentation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-43e67c7 e-con-full e-flex e-con e-child\" data-id=\"43e67c7\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0adad90 elementor-widget elementor-widget-heading\" data-id=\"0adad90\" data-element_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\">Step 4<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-14176eb elementor-widget elementor-widget-heading\" data-id=\"14176eb\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Additional Documents and Closing<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5857f48 elementor-widget elementor-widget-text-editor\" data-id=\"5857f48\" data-element_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>The underwriter might tell the broker that certain conditions must be met. This is the point where conditional approval is reached. The removal of these conditions is what is pending. Make sure your documents are accurate and up to date. Once your loan is approved, expect to complete and sign approval papers.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Purchase<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":15695,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"class_list":["post-13897","page","type-page","status-publish","hentry","no-post-thumbnail"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Understanding the Loan Process for your Home Purchase<\/title>\n<meta name=\"description\" content=\"Understand the Home Purchase Loan Process: the process, the documents and the closing\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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