{"id":7543,"date":"2026-09-19T12:25:46","date_gmt":"2026-09-19T17:25:46","guid":{"rendered":"https:\/\/solutionshypotheques.ca\/?page_id=7543"},"modified":"2026-09-29T21:25:25","modified_gmt":"2026-09-30T02:25:25","slug":"first-time-buyer-mortgage-pre-approval","status":"publish","type":"page","link":"https:\/\/solutionshypotheques.ca\/en\/first-time-buyer-mortgage-pre-approval\/","title":{"rendered":"First-time buyer mortgage pre-approval"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"7543\" class=\"elementor elementor-7543\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-02ff7dc e-con-full e-flex e-con e-parent\" data-id=\"02ff7dc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3515615 elementor-widget elementor-widget-html\" data-id=\"3515615\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<!--\n  ============================================================\n  First-Time Buyer | Mortgage Pre-Approval in Quebec\n  Paste into a \"Custom HTML\" block in WordPress\n  (page : \/first-time-buyer-mortgage-pre-approval\/)\n\n  No header, no menu, no footer, no GTM script. All styles are scoped under .sh-lp\n  ============================================================\n-->\n\n<style id=\"sh-lp-css\">\n\/* ---------- Tokens + reset local (aucun style global) ---------- *\/\n.sh-lp{\n  --sh-ink:#000000;\n  --sh-ink-soft:#333333;\n  --sh-muted:#5a5a5a;\n  --sh-gold:#E7B43A;\n  --sh-gold-deep:#A8790B;\n  --sh-gold-tint:#FCF4E2;\n  --sh-paper:#FFFFFF;\n  --sh-sand:#F7F4EE;\n  --sh-deep:#15181C;\n  --sh-line:#E2DCD1;\n  --sh-line-soft:#EFEBE3;\n  --sh-radius:6px;\n  --sh-shadow:0 12px 34px rgba(0,0,0,.07);\n  --sh-max:1160px;\n\n  font-family:\"Arimo\",\"Helvetica Neue\",Helvetica,Arial,sans-serif;\n  font-size:18px;\n  line-height:1.7;\n  color:var(--sh-ink);\n  background:var(--sh-paper);\n  -webkit-font-smoothing:antialiased;\n  text-rendering:optimizeLegibility;\n}\n.sh-lp *,\n.sh-lp *::before,\n.sh-lp *::after{box-sizing:border-box;}\n\n.sh-lp p,\n.sh-lp ul,\n.sh-lp ol,\n.sh-lp h2,\n.sh-lp h3{margin:0 0 18px;}\n.sh-lp 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transition:background-color .18s ease,border-color .18s ease,color .18s ease;\n}\n.sh-lp .sh-btn--primary{\n  background:var(--sh-gold);\n  border-color:var(--sh-gold);\n  color:#1A1203;\n  box-shadow:0 8px 20px rgba(231,180,58,.28);\n}\n.sh-lp .sh-btn--primary:hover{background:#D9A527;border-color:#D9A527;color:#1A1203;}\n.sh-lp .sh-btn--ghost{\n  background:transparent;\n  border-color:var(--sh-ink);\n  color:var(--sh-ink);\n}\n.sh-lp .sh-btn--ghost:hover{background:var(--sh-ink);color:#fff;}\n.sh-lp .sh-btn--light{\n  background:#fff;border-color:#fff;color:var(--sh-ink);\n}\n.sh-lp .sh-btn--light:hover{background:#F0EBE1;border-color:#F0EBE1;}\n.sh-lp .sh-btn--block{width:100%;}\n.sh-lp .sh-btn[disabled]{opacity:.62;cursor:not-allowed;box-shadow:none;}\n\n.sh-lp a:focus-visible,\n.sh-lp button:focus-visible,\n.sh-lp input:focus-visible,\n.sh-lp select:focus-visible,\n.sh-lp textarea:focus-visible,\n.sh-lp summary:focus-visible{\n  outline:3px solid var(--sh-gold-deep);\n  outline-offset:3px;\n  border-radius:4px;\n}\n\n\/* ---------- Formulaire ---------- *\/\n.sh-lp .sh-form-card{\n  background:var(--sh-paper);\n  border:1px solid var(--sh-line);\n  border-top:5px solid var(--sh-gold);\n  border-radius:var(--sh-radius);\n  box-shadow:var(--sh-shadow);\n  padding:32px;\n}\n.sh-lp .sh-form-card h2{font-size:26px;margin:0 0 8px;}\n.sh-lp .sh-form-card .sh-form-sub{\n  font-size:16px;color:var(--sh-muted);margin:0 0 24px;\n}\n.sh-lp .sh-field{margin:0 0 18px;}\n.sh-lp .sh-field label{\n  display:block;\n  font-size:16px;\n  font-weight:700;\n  margin:0 0 7px;\n  color:var(--sh-ink);\n}\n.sh-lp .sh-optional{font-weight:400;color:var(--sh-muted);}\n.sh-lp .sh-field input,\n.sh-lp .sh-field select,\n.sh-lp .sh-field textarea{\n  width:100%;\n  min-height:54px;\n  padding:13px 14px;\n  font-family:inherit;\n  font-size:17px;\n  line-height:1.5;\n  color:var(--sh-ink);\n  background:#fff;\n  border:1px solid #BDB6A8;\n  border-radius:var(--sh-radius);\n  appearance:none;\n  -webkit-appearance:none;\n}\n.sh-lp .sh-field select{\n  background-image:url(\"data:image\/svg+xml;charset=utf8,%3Csvg xmlns='http:\/\/www.w3.org\/2000\/svg' width='14' height='9' viewBox='0 0 14 9'%3E%3Cpath d='M1 1l6 6 6-6' fill='none' stroke='%23333' stroke-width='2'\/%3E%3C\/svg%3E\");\n  background-repeat:no-repeat;\n  background-position:right 16px center;\n  padding-right:44px;\n}\n.sh-lp .sh-field textarea{min-height:110px;resize:vertical;}\n.sh-lp .sh-field input:hover,\n.sh-lp .sh-field select:hover,\n.sh-lp .sh-field textarea:hover{border-color:#8C8577;}\n.sh-lp .sh-field--error input,\n.sh-lp .sh-field--error select,\n.sh-lp .sh-field--error textarea{border-color:#B3261E;border-width:2px;}\n.sh-lp .sh-error{\n  display:none;\n  font-size:15px;\n  font-weight:700;\n  color:#B3261E;\n  margin:7px 0 0;\n}\n.sh-lp .sh-field--error .sh-error{display:block;}\n\n.sh-lp .sh-consent{\n  display:flex;\n  gap:12px;\n  align-items:flex-start;\n  margin:0 0 20px;\n}\n.sh-lp .sh-consent input{\n  flex:none;\n  width:26px;height:26px;\n  min-height:0;\n  margin:3px 0 0;\n  accent-color:var(--sh-gold-deep);\n  appearance:auto;\n  -webkit-appearance:checkbox;\n}\n.sh-lp .sh-consent label{\n  font-size:16px;\n  font-weight:400;\n  line-height:1.5;\n  color:var(--sh-ink-soft);\n  margin:0;\n}\n.sh-lp .sh-hp{\n  position:absolute!important;\n  width:1px;height:1px;\n  overflow:hidden;\n  clip:rect(0 0 0 0);\n  white-space:nowrap;\n}\n.sh-lp .sh-form-note{\n  font-size:15px;\n  color:var(--sh-muted);\n  margin:14px 0 0;\n  text-align:center;\n}\n.sh-lp .sh-form-status{margin:18px 0 0;}\n.sh-lp .sh-alert{\n  padding:16px 18px;\n  border-radius:var(--sh-radius);\n  font-size:17px;\n  line-height:1.55;\n}\n.sh-lp .sh-alert--error{background:#FDECEA;border:1px solid #E0A9A4;color:#8C1D18;}\n.sh-lp .sh-success{\n  display:none;\n  background:var(--sh-gold-tint);\n  border:1px solid rgba(231,180,58,.6);\n  border-radius:var(--sh-radius);\n  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---------- Bloc courtier ---------- *\/\n.sh-lp .sh-broker{\n  display:grid;\n  grid-template-columns:1.1fr .9fr;\n  gap:44px;\n  align-items:start;\n}\n.sh-lp .sh-broker-card{\n  background:var(--sh-paper);\n  border:1px solid var(--sh-line);\n  border-left:4px solid var(--sh-gold);\n  border-radius:var(--sh-radius);\n  padding:28px;\n}\n.sh-lp .sh-broker-card dl{margin:0;font-size:17px;}\n.sh-lp .sh-broker-card dt{\n  font-weight:700;\n  color:var(--sh-ink);\n  margin:0 0 2px;\n}\n.sh-lp .sh-broker-card dd{\n  margin:0 0 16px;\n  color:var(--sh-muted);\n}\n.sh-lp .sh-broker-card dd:last-child{margin-bottom:0;}\n.sh-lp .sh-broker-card a{color:var(--sh-ink);font-weight:700;}\n\n\/* ---------- FAQ ---------- *\/\n.sh-lp .sh-faq{max-width:840px;}\n.sh-lp .sh-faq details{\n  border-bottom:1px solid var(--sh-line);\n  background:transparent;\n}\n.sh-lp .sh-faq details:first-of-type{border-top:1px solid var(--sh-line);}\n.sh-lp .sh-faq summary{\n  cursor:pointer;\n  list-style:none;\n  padding:22px 46px 22px 0;\n  position:relative;\n  font-family:\"Playfair Display\",Georgia,serif;\n  font-size:21px;\n  font-weight:600;\n  line-height:1.35;\n}\n.sh-lp .sh-faq summary::-webkit-details-marker{display:none;}\n.sh-lp .sh-faq summary::after{\n  content:\"+\";\n  position:absolute;\n  right:6px;top:50%;\n  transform:translateY(-50%);\n  font-family:\"Arimo\",Arial,sans-serif;\n  font-size:26px;\n  font-weight:400;\n  color:var(--sh-gold-deep);\n}\n.sh-lp .sh-faq details[open] summary::after{content:\"\u2013\";}\n.sh-lp .sh-faq .sh-faq-body{padding:0 0 24px;}\n.sh-lp .sh-faq .sh-faq-body p{\n  margin:0 0 14px;\n  color:var(--sh-ink-soft);\n  font-size:17px;\n  max-width:70ch;\n}\n.sh-lp .sh-faq .sh-faq-body p:last-child{margin-bottom:0;}\n\n\/* ---------- CTA final ---------- *\/\n.sh-lp .sh-final{\n  display:grid;\n  grid-template-columns:1.2fr .8fr;\n  gap:40px;\n  align-items:center;\n}\n.sh-lp .sh-section--deep h2{color:#fff;font-size:clamp(26px,3vw,38px);margin:0 0 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.sh-wrap{padding:0 18px;}\n  .sh-lp .sh-hero{padding:44px 0 52px;}\n  .sh-lp .sh-section{padding:52px 0;}\n  .sh-lp .sh-section--tight{padding:40px 0;}\n  .sh-lp .sh-grid--2,\n  .sh-lp .sh-grid--3{grid-template-columns:1fr;gap:16px;}\n  .sh-lp .sh-form-card{padding:24px 20px;}\n  .sh-lp .sh-card,\n  .sh-lp .sh-step,\n  .sh-lp .sh-broker-card{padding:22px 20px;}\n  .sh-lp .sh-actions{flex-direction:column;align-items:stretch;}\n  .sh-lp .sh-btn{width:100%;font-size:17px;padding:15px 20px;}\n  .sh-lp .sh-lead{font-size:18px;}\n  .sh-lp .sh-section-head p{font-size:18px;}\n  .sh-lp .sh-faq summary{font-size:19px;padding:20px 40px 20px 0;}\n  .sh-lp .sh-final-actions{width:100%;}\n  .sh-lp .sh-phone-big{font-size:23px;}\n}\n@media (prefers-reduced-motion:reduce){\n  .sh-lp *{transition:none!important;animation:none!important;}\n}\n\n@media (max-width:1024px){\n  .sh-lp--c .sh-grid--2{grid-template-columns:repeat(2,1fr);}\n}\n@media (max-width:640px){\n  .sh-lp--c .sh-grid--2{grid-template-columns:1fr;gap:26px;}\n  .sh-lp--c .sh-hero h1{padding-left:16px;}\n  .sh-lp--c .sh-step{grid-template-columns:52px 1fr;gap:14px;}\n  .sh-lp--c .sh-step-num{font-size:34px;}\n}\n<\/style>\n<style id=\"sh-steps-b-css\">\n\/* \u00c9tapes \u00ab Comment se d\u00e9roule l\u2019analyse \u00bb : pr\u00e9sentation de la page 3 (petits cercles) *\/\n.sh-grid.sh-grid--3.sh-steps--b{grid-template-columns:repeat(3,1fr);gap:0;border-top:2px solid var(--sh-line);max-width:none;align-items:stretch}\n.sh-grid.sh-grid--3.sh-steps--b>.sh-step{display:block;background:transparent;border:0;border-right:1px solid var(--sh-line);border-radius:0;padding:30px 30px 4px 0;position:relative;box-shadow:none}\n.sh-grid.sh-grid--3.sh-steps--b>.sh-step:last-child{border-right:0}\n.sh-grid.sh-grid--3.sh-steps--b>.sh-step::before{content:\"\";position:absolute;top:-9px;left:0;width:16px;height:16px;border-radius:50%;background:var(--sh-gold)}\n.sh-grid.sh-grid--3.sh-steps--b .sh-step-num{font-family:\"Playfair Display\",Georgia,serif;font-size:26px;line-height:1;color:var(--sh-muted);display:block;margin:0 0 12px}\n.sh-grid.sh-grid--3.sh-steps--b .sh-step h3{font-size:21px;margin:0 0 10px}\n.sh-grid.sh-grid--3.sh-steps--b .sh-step p{margin:0;font-size:17px;color:var(--sh-muted)}\n@media (max-width:820px){.sh-grid.sh-grid--3.sh-steps--b{grid-template-columns:1fr;border-top:0}.sh-grid.sh-grid--3.sh-steps--b>.sh-step{border-right:0;border-top:2px solid var(--sh-line);padding:28px 0 4px}}\n@media (max-width:640px){.sh-grid.sh-grid--3.sh-steps--b{gap:16px}}\n<\/style>\n\n<div class=\"sh-lp sh-lp--c\" id=\"sh-lp-root\" data-sh-lang=\"en\" data-sh-form=\"first_buyer_en\">\n\n  <!-- ================= HERO ================= -->\n  <section class=\"sh-hero\">\n    <div class=\"sh-wrap\">\n      <div class=\"sh-hero-grid\">\n        <div>\n          <p class=\"sh-kicker\">First-time buyers \u2014 Quebec<\/p>\n\n          <h1>First purchase: get your financing ready before you find the property<\/h1>\n\n          <p class=\"sh-lead\">Above $600,000, every slice of down payment and every existing debt moves your budget by tens of thousands of dollars. Better to know your real number before the showings \u2014 and before falling for a house that was never in reach.<\/p>\n\n          <ul class=\"sh-checklist\">\n            <li><span class=\"sh-check\" aria-hidden=\"true\">&#10003;<\/span><span>First property purchase<\/span><\/li>\n            <li><span class=\"sh-check\" aria-hidden=\"true\">&#10003;<\/span><span>A purchase at $600,000 or more<\/span><\/li>\n            <li><span class=\"sh-check\" aria-hidden=\"true\">&#10003;<\/span><span>A down payment to structure<\/span><\/li>\n            <li><span class=\"sh-check\" aria-hidden=\"true\">&#10003;<\/span><span>A buying budget to define clearly<\/span><\/li>\n          <\/ul>\n\n          <div class=\"sh-actions\">\n            <button type=\"button\" class=\"sh-btn sh-btn--primary\" data-sh-scroll=\"#sh-lead-form\" data-sh-cta=\"hero\">Get my free review<\/button>\n            <a class=\"sh-btn sh-btn--ghost\" href=\"tel:+15149999946\" data-sh-phone=\"hero\">Talk to a broker: 514-999-9946<\/a>\n          <\/div>\n\n          <p class=\"sh-credentials\">Nectarios Petropoulos, mortgage broker (licence 237338), Dominion Lending Centres National. Free, confidential review with no obligation.<\/p>\n        <\/div>\n\n        <div class=\"sh-form-card\" id=\"sh-form-card\">\n          <h2 id=\"sh-lead-form\">Request a free review<\/h2>\n          <p class=\"sh-form-sub\">Fill out the form and we will call you back to go over your file. No obligation on your side.<\/p>\n\n          <form id=\"sh-lead\" novalidate>\n            <div class=\"sh-field\">\n              <label for=\"sh-name\">Full name<\/label>\n              <input type=\"text\" id=\"sh-name\" name=\"name\" autocomplete=\"name\" required aria-describedby=\"sh-name-err\" maxlength=\"100\">\n              <p class=\"sh-error\" id=\"sh-name-err\">Please enter your full name.<\/p>\n            <\/div>\n\n            <div class=\"sh-field\">\n              <label for=\"sh-phone\">Phone<\/label>\n              <input type=\"tel\" id=\"sh-phone\" name=\"phone\" autocomplete=\"tel\" inputmode=\"tel\" required aria-describedby=\"sh-phone-err\" maxlength=\"30\" placeholder=\"514 555 1234\">\n              <p class=\"sh-error\" id=\"sh-phone-err\">Please enter a valid phone number (10 digits).<\/p>\n            <\/div>\n\n            <div class=\"sh-field\">\n              <label for=\"sh-email\">Email <span class=\"sh-optional\">(optional)<\/span><\/label>\n              <input type=\"email\" id=\"sh-email\" name=\"email\" autocomplete=\"email\" aria-describedby=\"sh-email-err\" maxlength=\"120\">\n              <p class=\"sh-error\" id=\"sh-email-err\">Please check your email address.<\/p>\n            <\/div>\n\n            <div class=\"sh-field\">\n              <label for=\"sh-city\">City or region<\/label>\n              <input type=\"text\" id=\"sh-city\" name=\"city\" autocomplete=\"address-level2\" required aria-describedby=\"sh-city-err\" maxlength=\"80\">\n              <p class=\"sh-error\" id=\"sh-city-err\">Please enter your city or region.<\/p>\n            <\/div>\n\n            <div class=\"sh-field\">\n              <label for=\"sh-value\">Target purchase price<\/label>\n              <select id=\"sh-value\" name=\"property_value\" required aria-describedby=\"sh-value-err\">\n                <option value=\"\">Select a range<\/option>\n                <option value=\"moins_500k\">Under $500,000<\/option>\n                <option value=\"500k_599k\">$500,000 to $599,999<\/option>\n                <option value=\"600k_749k\">$600,000 to $749,999<\/option>\n                <option value=\"750_1m\">$750,000 to $999,999<\/option>\n                <option value=\"1m_1499k\">$1,000,000 to $1,499,999<\/option>\n                <option value=\"1500k_plus\">$1,500,000 and over<\/option>\n              <\/select>\n              <p class=\"sh-error\" id=\"sh-value-err\">Please select a range.<\/p>\n            <\/div>\n\n            <div class=\"sh-field\">\n              <label for=\"sh-balance\">Down payment available <span class=\"sh-optional\">(optional)<\/span><\/label>\n              <select id=\"sh-balance\" name=\"down_payment\">\n                <option value=\"\">Select an answer<\/option>\n                <option value=\"lt50k\">Under $50,000<\/option>\n                <option value=\"50_100k\">$50,000 to $99,999<\/option>\n                <option value=\"100_150k\">$100,000 to $149,999<\/option>\n                <option value=\"gt150k\">$150,000 and over<\/option>\n                <option value=\"unsure\">Not decided yet<\/option>\n              <\/select>\n            <\/div>\n\n            <div class=\"sh-field\">\n              <label for=\"sh-goal\">Main objective<\/label>\n              <select id=\"sh-goal\" name=\"objective\" required aria-describedby=\"sh-goal-err\">\n                <option value=\"\">Select an objective<\/option>\n                <option value=\"know_budget\">Know my real purchase budget<\/option>\n                <option value=\"validate_down\">Confirm my down payment<\/option>\n                <option value=\"prepare_offer\">Get my financing ready before an offer<\/option>\n                <option value=\"buy_600k\">Buy a property at $600,000 or more<\/option>\n                <option value=\"offer_pending\">An offer is already in progress<\/option>\n                <option value=\"other\">Other or not sure yet<\/option>\n              <\/select>\n              <p class=\"sh-error\" id=\"sh-goal-err\">Please select your main objective.<\/p>\n            <\/div>\n\n            <div class=\"sh-field\">\n              <label for=\"sh-message\">Briefly describe your situation <span class=\"sh-optional\">(optional)<\/span><\/label>\n              <textarea id=\"sh-message\" name=\"message\" rows=\"4\" maxlength=\"1500\" placeholder=\"For example: area you are looking in, timeline, how your income works.\"><\/textarea>\n            <\/div>\n\n            <div class=\"sh-consent\">\n              <input type=\"checkbox\" id=\"sh-consent\" name=\"consent\" required aria-describedby=\"sh-consent-err\">\n              <label for=\"sh-consent\">I agree to be contacted by phone or email about my request.<\/label>\n            <\/div>\n            <p class=\"sh-error\" id=\"sh-consent-err\" style=\"margin-top:-10px;\">We need your consent in order to contact you.<\/p>\n\n            <div class=\"sh-hp\" aria-hidden=\"true\">\n              <label for=\"sh-website\">Do not fill in this field<\/label>\n              <input type=\"text\" id=\"sh-website\" name=\"website\" tabindex=\"-1\" autocomplete=\"off\">\n            <\/div>\n\n            <button type=\"submit\" class=\"sh-btn sh-btn--primary sh-btn--block\" id=\"sh-submit\" data-sh-cta=\"form\">Send my request<\/button>\n            <p class=\"sh-form-note\">Your information stays confidential and is only used to get back to you.<\/p>\n\n            <div class=\"sh-form-status\" id=\"sh-status\" role=\"alert\" aria-live=\"assertive\"><\/div>\n          <\/form>\n\n          <div class=\"sh-success\" id=\"sh-success\">\n            <h3>Thank you, your request has been sent<\/h3>\n            <p>We will contact you shortly to discuss your situation. If your request is urgent, you can also reach us at <a href=\"tel:+15149999946\" data-sh-phone=\"success\">514-999-9946<\/a>.<\/p>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <!-- ================= SITUATIONS ================= -->\n  <section class=\"sh-section sh-section--sand\">\n    <div class=\"sh-wrap\">\n      <div class=\"sh-section-head\">\n        <p class=\"sh-kicker\">Who this is for<\/p>\n        <h2>Do these questions sound familiar?<\/h2>\n        <p>Most first-time buyers start with showings. The ones who get the house they want start with the numbers.<\/p>\n      <\/div>\n\n      <div class=\"sh-grid sh-grid--2\">\n        <div class=\"sh-card\">\n          <h3>What is my real budget?<\/h3>\n          <p>Not the theoretical maximum, but the number that leaves liveable payments once everything is added up.<\/p>\n        <\/div>\n        <div class=\"sh-card\">\n          <h3>Is my down payment enough?<\/h3>\n          <p>Above $500,000, minimum down payment requirements change by price band. At $600,000 or $800,000 the math is not the same.<\/p>\n        <\/div>\n        <div class=\"sh-card\">\n          <h3>What else should I plan for?<\/h3>\n          <p>Transfer duties, notary, inspection, tax adjustments, moving: thousands of dollars that cannot be financed.<\/p>\n        <\/div>\n        <div class=\"sh-card\">\n          <h3>Will I be ready to move fast?<\/h3>\n          <p>In a tight market the file has to be built before the showing, not after.<\/p>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <!-- ================= COMPRENDRE \/ SOLUTIONS ================= -->\n  <section class=\"sh-section\">\n    <div class=\"sh-wrap\">\n      <div class=\"sh-section-head\">\n        <p class=\"sh-kicker\">The basics<\/p>\n        <h2>What a pre-approval tells you \u2014 and what it does not<\/h2>\n        <p>A pre-approval confirms an amount and often holds a rate for a set period. It does not guarantee the financing: the lender will still verify your documents, your credit at the time, the property you choose and its value. A quick online pre-qualification is worth little more than an estimate.<\/p>\n      <\/div>\n\n      <p class=\"sh-intro\">What really counts is the strength of the file behind the number. Here is what the review settles before your showings.<\/p>\n\n      <h3 class=\"sh-sub-h3\">What gets prepared before the showings<\/h3>\n\n      <div class=\"sh-solution\">\n        <h3>Your actual capacity<\/h3>\n        <p>Calculated with the stress test and your existing debts, not with a rough formula found online.<\/p>\n      <\/div>\n      <div class=\"sh-solution\">\n        <h3>The structure of the down payment<\/h3>\n        <p>Savings, HBP, FHSA, a gift from family: each source has its own rules and documentation lead time. This gets prepared weeks ahead.<\/p>\n      <\/div>\n      <div class=\"sh-solution\">\n        <h3>The total cost of buying<\/h3>\n        <p>Monthly payment, municipal and school taxes, insurance, heating, upkeep, plus the closing costs you pay in cash.<\/p>\n      <\/div>\n      <div class=\"sh-solution\">\n        <h3>The right lender for your profile<\/h3>\n        <p>Salaried, self-employed, bonus or commission income: the grids differ, and so does the amount approved.<\/p>\n      <\/div>\n\n      <p class=\"sh-note\">If the review shows the plan is too tight, you will know before submitting an offer rather than during the financing condition. That is often the single biggest saving in the whole process.<\/p>\n    <\/div>\n  <\/section>\n\n  <!-- ================= D\u00c9MARCHE ================= -->\n  <section class=\"sh-section sh-section--sand\">\n    <div class=\"sh-wrap\">\n      <div class=\"sh-section-head\">\n        <p class=\"sh-kicker\">The process<\/p>\n        <h2>How the review works<\/h2>\n        <p>A simple three-step process, at no cost and with no obligation.<\/p>\n      <\/div>\n\n      <div class=\"sh-steps sh-grid sh-grid--3 sh-steps--b\">\n        <div class=\"sh-step\">\n          <span class=\"sh-step-num\" aria-hidden=\"true\">1<\/span>\n          <h3>Your real budget<\/h3>\n          <p>Income, debts, credit and down payment: we set a realistic purchase capacity, with a number attached.<\/p>\n        <\/div>\n        <div class=\"sh-step\">\n          <span class=\"sh-step-num\" aria-hidden=\"true\">2<\/span>\n          <h3>Your strategy<\/h3>\n          <p>We structure the down payment and the financing around your project, your priorities and the type of property.<\/p>\n        <\/div>\n        <div class=\"sh-step\">\n          <span class=\"sh-step-num\" aria-hidden=\"true\">3<\/span>\n          <h3>You shop with confidence<\/h3>\n          <p>You know what to look for, what price to target and how the financing will be structured before you offer.<\/p>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <section class=\"sh-section\">\n    <div class=\"sh-wrap\">\n      <div class=\"sh-section-head\">\n        <p class=\"sh-kicker\">Your team<\/p>\n        <h2>Supported from the first question to the signature<\/h2>\n        <p>When you need it, you can rely on a network of trusted professionals at every step of your purchase.<\/p>\n      <\/div>\n      <div class=\"sh-network\">\n        <div class=\"sh-card\">\n          <h3>Real estate brokers<\/h3>\n          <p>For the search, the showings and the negotiation on your first property.<\/p>\n        <\/div>\n        <div class=\"sh-card\">\n          <h3>Financial security advisors<\/h3>\n          <p>To think through the protection that fits your new reality as an owner.<\/p>\n        <\/div>\n        <div class=\"sh-card\">\n          <h3>Notaries<\/h3>\n          <p>To carry the transaction through to closing and signature.<\/p>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <!-- ================= B\u00c9N\u00c9FICES ================= -->\n  <section class=\"sh-section\">\n    <div class=\"sh-wrap\">\n      <div class=\"sh-section-head\">\n        <p class=\"sh-kicker\">What changes<\/p>\n        <h2>What the preparation gives you<\/h2>\n        <p>Every file is different and no outcome can be guaranteed in advance. Here is what the review usually gives you.<\/p>\n      <\/div>\n\n      <ul class=\"sh-benefits\">\n        <li><span class=\"sh-check\" aria-hidden=\"true\">&#10003;<\/span><span>A purchase budget with a number, and the monthly payment that goes with it.<\/span><\/li>\n        <li><span class=\"sh-check\" aria-hidden=\"true\">&#10003;<\/span><span>A down payment structured and documented before the seller asks.<\/span><\/li>\n        <li><span class=\"sh-check\" aria-hidden=\"true\">&#10003;<\/span><span>The cash needed for closing costs, which almost everyone underestimates.<\/span><\/li>\n        <li><span class=\"sh-check\" aria-hidden=\"true\">&#10003;<\/span><span>A file ready to support a fast offer in a competitive market.<\/span><\/li>\n      <\/ul>\n    <\/div>\n  <\/section>\n\n  <!-- ================= COURTIER ================= -->\n  <section class=\"sh-section sh-section--sand\">\n    <div class=\"sh-wrap\">\n      <div class=\"sh-broker\">\n        <div>\n          <p class=\"sh-kicker\">Who you will be talking to<\/p>\n          <h2 style=\"font-size:clamp(28px,3vw,38px);margin:0 0 16px;\">A mortgage broker from the very first question<\/h2>\n          <p style=\"color:var(--sh-muted);max-width:60ch;\">Nectarios Petropoulos is a mortgage broker with Dominion Lending Centres National and has worked with Quebec buyers since 2016, from the first calculation through to signing at the notary.<\/p>\n          <p style=\"color:var(--sh-muted);max-width:60ch;\">A broker works with several lenders: banks, alternative lenders and private lenders. The job is to compare what exists for your situation and explain the consequences of each option, including when doing nothing is the better call.<\/p>\n          <p style=\"margin-top:26px;\">\n            <button type=\"button\" class=\"sh-btn sh-btn--primary\" data-sh-scroll=\"#sh-lead-form\" data-sh-cta=\"broker\">Get my free review<\/button>\n          <\/p>\n        <\/div>\n\n        <div class=\"sh-broker-card\">\n          <dl>\n            <dt>Broker<\/dt>\n            <dd>Nectarios Petropoulos<\/dd>\n            <dt>Licence number<\/dt>\n            <dd>237338<\/dd>\n            <dt>Brokerage<\/dt>\n            <dd>Dominion Lending Centres National<\/dd>\n            <dt>Office<\/dt>\n            <dd>2525 Daniel-Johnson Blvd, Laval, Quebec H7T 1S9<\/dd>\n            <dt>Phone<\/dt>\n            <dd><a href=\"tel:+15149999946\" data-sh-phone=\"broker\">514-999-9946<\/a><\/dd>\n          <\/dl>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <!-- ================= FAQ ================= -->\n  <section class=\"sh-section\">\n    <div class=\"sh-wrap\">\n      <div class=\"sh-section-head\">\n        <p class=\"sh-kicker\">Frequently asked questions<\/p>\n        <h2>Buying your first home: your questions<\/h2>\n      <\/div>\n\n      <div class=\"sh-faq\">\n        <details>\n          <summary>Why prepare the financing before finding a property?<\/summary>\n          <div class=\"sh-faq-body\">\n            <p>Because the maximum price is only part of the equation. You also need the required down payment, the real monthly payment, the effect of your debts, the cash needed at closing and the lenders' criteria. That is the difference between a budget that is comfortable and one that is merely financeable.<\/p>\n          <\/div>\n        <\/details>\n\n        <details>\n          <summary>Does a pre-approval guarantee my financing?<\/summary>\n          <div class=\"sh-faq-body\">\n            <p>No. It confirms an amount and often holds a rate for a period, but final approval depends on document verification, your credit at the time of purchase, the property chosen and its appraised value.<\/p>\n          <\/div>\n        <\/details>\n\n        <details>\n          <summary>What down payment is needed on a $600,000 property?<\/summary>\n          <div class=\"sh-faq-body\">\n            <p>Minimum requirements vary by price band and step up above $500,000. At 20% down the mortgage no longer has to be insured, which changes both cost and options. We calculate the exact amount that applies to your purchase under the rules in force.<\/p>\n          <\/div>\n        <\/details>\n\n        <details>\n          <summary>What should I get ready before we start?<\/summary>\n          <div class=\"sh-faq-body\">\n            <p>Pay stubs or tax returns, bank statements, proof of where the down payment comes from, and a list of your debts. The earlier those arrive, the faster the file moves when it matters.<\/p>\n          <\/div>\n        <\/details>\n\n        <details>\n          <summary>Does a credit check hurt my file?<\/summary>\n          <div class=\"sh-faq-body\">\n            <p>A broker's check leaves a mark, but mortgage inquiries grouped within a short window are generally treated as a single search by the credit bureaus. That is far better than scattered applications across several banks.<\/p>\n          <\/div>\n        <\/details>\n\n        <details>\n          <summary>How long is a pre-approval valid?<\/summary>\n          <div class=\"sh-faq-body\">\n            <p>Often 90 to 120 days depending on the lender. It can usually be renewed, with updated documents if your situation has changed.<\/p>\n          <\/div>\n        <\/details>\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <!-- ================= CTA FINAL ================= -->\n  <section class=\"sh-section sh-section--deep\">\n    <div class=\"sh-wrap\">\n      <div class=\"sh-final\">\n        <div>\n          <h2>Your first home starts with a plan<\/h2>\n          <p>Let's prepare your budget, your down payment and your financing before you find the right place.<\/p>\n        <\/div>\n        <div class=\"sh-final-actions\">\n          <button type=\"button\" class=\"sh-btn sh-btn--primary\" data-sh-scroll=\"#sh-lead-form\" data-sh-cta=\"final\">Get my free review<\/button>\n          <a class=\"sh-phone-big\" href=\"tel:+15149999946\" data-sh-phone=\"final\">Or call 514-999-9946<\/a>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <!-- ================= MENTIONS ================= -->\n  <div class=\"sh-legal\">\n    <div class=\"sh-wrap\">\n      <p>The information on this page is provided for general guidance only and is not an offer of credit or a guarantee of approval. A pre-approval or initial review is not a final approval. Down payment requirements, amounts, rates and conditions vary with the lender, the property and the rules in force, and are subject to review.<\/p>\n    <\/div>\n  <\/div>\n\n<\/div>\n\n<!-- FAQ structured data. Delete this block if your SEO plugin already outputs FAQ markup for this page. -->\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"Why prepare the financing before finding a property?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Because the maximum price is only part of the equation. You also need the required down payment, the real monthly payment, the effect of your debts, the cash needed at closing and the lenders' criteria. 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Better to know your real number before the showings \u2014 and before falling for a house that was never in [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":0,"parent":0,"menu_order":53,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-7543","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>First-Time Buyer | Mortgage Pre-Approval in Quebec<\/title>\n<meta name=\"description\" content=\"First purchase at $600,000 or more? Know what you can really buy and how to structure your financing before you make an offer. 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