{"id":100,"date":"2025-05-12T14:53:15","date_gmt":"2025-05-12T14:53:15","guid":{"rendered":"https:\/\/shelleypeever.com\/service\/"},"modified":"2026-01-27T15:49:47","modified_gmt":"2026-01-27T15:49:47","slug":"mortgage-broker-financing","status":"publish","type":"page","link":"https:\/\/shelleypeever.com\/fr\/mortgage-broker-financing\/","title":{"rendered":"Courtier en hypoth\u00e8ques - Financement"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Header&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#f1f3f7&#8243; background_image=&#8221;https:\/\/shelleypeever.com\/wp-content\/uploads\/2025\/05\/window-cleaning_12.png&#8221; background_position=&#8221;bottom_center&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;10%||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _dynamic_attributes=&#8221;content&#8221; text_font=&#8221;Candal||||||||&#8221; text_text_color=&#8221;#000000&#8243; text_font_size=&#8221;78px&#8221; text_letter_spacing=&#8221;-0.05em&#8221; text_line_height=&#8221;1.2em&#8221; header_font=&#8221;Candal||||||||&#8221; header_font_size=&#8221;76px&#8221; header_letter_spacing=&#8221;-0.05em&#8221; header_line_height=&#8221;1.2em&#8221; header_font_size_tablet=&#8221;50px&#8221; header_font_size_phone=&#8221;30px&#8221; header_font_size_last_edited=&#8221;on|phone&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF90aXRsZSIsInNldHRpbmdzIjp7ImJlZm9yZSI6IiIsImFmdGVyIjoiIn19@[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#666666&#8243; text_font_size=&#8221;16px&#8221; text_line_height=&#8221;2em&#8221; text_font_size_phone=&#8221;14px&#8221; text_font_size_last_edited=&#8221;off|phone&#8221; text_line_height_phone=&#8221;1.6em&#8221; text_line_height_last_edited=&#8221;off|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Shelley is a licensed mortgage consultant in BC working for you to achieve your real estate goals. Her combined real estate experience will ensure your success!<\/p>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;https:\/\/shelleypeever.com\/contact\/&#8221; button_text=&#8221;Learn More&#8221; _builder_version=&#8221;4.27.4&#8243; custom_button=&#8221;on&#8221; button_text_size=&#8221;12px&#8221; button_text_color=&#8221;#333333&#8243; button_bg_use_color_gradient=&#8221;on&#8221; button_bg_color_gradient_direction=&#8221;90deg&#8221; button_bg_color_gradient_stops=&#8221;#FDCC8B 0%|#F1F3F7 100%&#8221; button_bg_color_gradient_start=&#8221;#FDCC8B&#8221; button_bg_color_gradient_end=&#8221;#F1F3F7&#8243; button_border_width=&#8221;0px&#8221; button_border_radius=&#8221;100px&#8221; button_letter_spacing=&#8221;4px&#8221; button_font=&#8221;Candal|||on|||||&#8221; custom_padding=&#8221;25px|50px|25px|50px|true|true&#8221; box_shadow_style=&#8221;preset3&#8243; box_shadow_vertical=&#8221;0px&#8221; box_shadow_blur=&#8221;0px&#8221; box_shadow_spread=&#8221;0px&#8221; box_shadow_color=&#8221;rgba(253,204,139,0.41)&#8221; 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background_size=&#8221;contain&#8221; background_position=&#8221;top_left&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; header_font=&#8221;Candal||||||||&#8221; header_font_size=&#8221;80px&#8221; header_letter_spacing=&#8221;-2.67px&#8221; header_line_height=&#8221;1.2em&#8221; header_2_font=&#8221;Candal||||||||&#8221; header_2_font_size=&#8221;60px&#8221; header_2_letter_spacing=&#8221;-2px&#8221; header_2_line_height=&#8221;1.2em&#8221; text_orientation=&#8221;center&#8221; header_font_size_tablet=&#8221;50px&#8221; header_font_size_phone=&#8221;30px&#8221; header_font_size_last_edited=&#8221;on|phone&#8221; header_2_font_size_tablet=&#8221;40px&#8221; header_2_font_size_phone=&#8221;24px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>What to Expect<\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#666666&#8243; text_font_size=&#8221;16px&#8221; text_line_height=&#8221;2em&#8221; text_orientation=&#8221;center&#8221; max_width=&#8221;700px&#8221; module_alignment=&#8221;center&#8221; text_font_size_tablet=&#8221;14px&#8221; text_font_size_phone=&#8221;14px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; text_line_height_phone=&#8221;1.6em&#8221; text_line_height_last_edited=&#8221;off|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Shelley will guide you through the process of obtaining or modifying your financing needs to offer you the very best solution.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_2,1_2&#8243; use_custom_gutter=&#8221;on&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px||0px||true|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; background__hover_enabled=&#8221;on|desktop&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font_size=&#8221;16px&#8221; text_line_height=&#8221;2em&#8221; header_3_font=&#8221;Candal||||||||&#8221; header_3_font_size=&#8221;18px&#8221; header_3_letter_spacing=&#8221;-1px&#8221; header_3_line_height=&#8221;1.4em&#8221; text_font_size_tablet=&#8221;14px&#8221; text_font_size_phone=&#8221;&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; header_3_font_size_tablet=&#8221;18px&#8221; header_3_font_size_phone=&#8221;16px&#8221; header_3_font_size_last_edited=&#8221;on|phone&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>Why work with a mortgage broker?<\/h3>\n<p>The mortgage broker works for you and has access to more products. In many situations, interest rate is only one major consideration in financing real estate.<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font_size=&#8221;16px&#8221; text_line_height=&#8221;2em&#8221; header_3_font=&#8221;Candal||||||||&#8221; header_3_font_size=&#8221;18px&#8221; header_3_letter_spacing=&#8221;-1px&#8221; header_3_line_height=&#8221;1.4em&#8221; custom_margin=&#8221;60px||||false|false&#8221; text_font_size_tablet=&#8221;14px&#8221; text_font_size_phone=&#8221;&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; header_3_font_size_tablet=&#8221;18px&#8221; header_3_font_size_phone=&#8221;16px&#8221; header_3_font_size_last_edited=&#8221;on|phone&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>Can I get a mortgage if I am self-employed?<\/h3>\n<p>Yes you can. Self-employed and business owners are very different applicants as compared with salaried or employee applicants. Reach out to inquire how I can help.<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font_size=&#8221;16px&#8221; text_line_height=&#8221;2em&#8221; header_3_font=&#8221;Candal||||||||&#8221; header_3_font_size=&#8221;18px&#8221; header_3_letter_spacing=&#8221;-1px&#8221; header_3_line_height=&#8221;1.4em&#8221; custom_margin=&#8221;60px||||false|false&#8221; text_font_size_tablet=&#8221;14px&#8221; text_font_size_phone=&#8221;&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; header_3_font_size_tablet=&#8221;18px&#8221; header_3_font_size_phone=&#8221;16px&#8221; header_3_font_size_last_edited=&#8221;on|phone&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>Do I need an appraisal?<\/h3>\n<p>Many lenders require an appraisal with respect to purchasing real estate and or refinancing real estate. However, it depends on the details of the property type, lender, and applicant.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; background__hover_enabled=&#8221;on|desktop&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font_size=&#8221;16px&#8221; text_line_height=&#8221;2em&#8221; header_3_font=&#8221;Candal||||||||&#8221; header_3_font_size=&#8221;18px&#8221; header_3_letter_spacing=&#8221;-1px&#8221; header_3_line_height=&#8221;1.4em&#8221; text_font_size_tablet=&#8221;14px&#8221; text_font_size_phone=&#8221;&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; header_3_font_size_tablet=&#8221;18px&#8221; header_3_font_size_phone=&#8221;16px&#8221; header_3_font_size_last_edited=&#8221;on|phone&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>Do I need to have a credit check?<\/h3>\n<p>Generally, yes, lenders require credit inquiries with financing applications.<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font_size=&#8221;16px&#8221; text_line_height=&#8221;2em&#8221; header_3_font=&#8221;Candal||||||||&#8221; header_3_font_size=&#8221;18px&#8221; header_3_letter_spacing=&#8221;-1px&#8221; header_3_line_height=&#8221;1.4em&#8221; custom_margin=&#8221;60px||||false|false&#8221; text_font_size_tablet=&#8221;14px&#8221; text_font_size_phone=&#8221;&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; header_3_font_size_tablet=&#8221;18px&#8221; header_3_font_size_phone=&#8221;16px&#8221; header_3_font_size_last_edited=&#8221;on|phone&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>Why are all lenders so different?<\/h3>\n<p>Some lenders are the large banks in Canada, some are credit unions, while others are alternate lenders or private lenders.\u00a0<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font_size=&#8221;16px&#8221; text_line_height=&#8221;2em&#8221; header_3_font=&#8221;Candal||||||||&#8221; header_3_font_size=&#8221;18px&#8221; header_3_letter_spacing=&#8221;-1px&#8221; header_3_line_height=&#8221;1.4em&#8221; custom_margin=&#8221;60px||||false|false&#8221; text_font_size_tablet=&#8221;14px&#8221; text_font_size_phone=&#8221;&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; header_3_font_size_tablet=&#8221;18px&#8221; header_3_font_size_phone=&#8221;16px&#8221; header_3_font_size_last_edited=&#8221;on|phone&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>How can I prepare to qualify for a mortgage?<\/h3>\n<p>Options include improving credit score, not taking on more debt, increasing income sources.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;CTA&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#f1f3f7&#8243; background_enable_image=&#8221;off&#8221; background_size=&#8221;contain&#8221; 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text_orientation=&#8221;center&#8221; module_alignment=&#8221;center&#8221; header_font_size_tablet=&#8221;50px&#8221; header_font_size_phone=&#8221;30px&#8221; header_font_size_last_edited=&#8221;on|phone&#8221; header_2_font_size_tablet=&#8221;40px&#8221; header_2_font_size_phone=&#8221;24px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Get In Touch<\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#666666&#8243; text_font_size=&#8221;16px&#8221; text_line_height=&#8221;2em&#8221; text_orientation=&#8221;center&#8221; max_width=&#8221;500px&#8221; module_alignment=&#8221;center&#8221; custom_padding=&#8221;14px|||||&#8221; custom_padding_tablet=&#8221;|||0px|false|false&#8221; custom_padding_last_edited=&#8221;off|desktop&#8221; text_font_size_phone=&#8221;14px&#8221; text_font_size_last_edited=&#8221;off|phone&#8221; text_line_height_phone=&#8221;1.6em&#8221; text_line_height_last_edited=&#8221;off|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Contact Shelley today for your financing needs.<\/p>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;https:\/\/shelleypeever.com\/contact\/&#8221; button_text=&#8221;Contact Shelley&#8221; button_alignment=&#8221;center&#8221; _builder_version=&#8221;4.27.4&#8243; custom_button=&#8221;on&#8221; button_text_size=&#8221;12px&#8221; button_text_color=&#8221;#333333&#8243; button_bg_use_color_gradient=&#8221;on&#8221; button_bg_color_gradient_direction=&#8221;90deg&#8221; button_bg_color_gradient_stops=&#8221;#FDCC8B 0%|#F1F3F7 100%&#8221; button_bg_color_gradient_start=&#8221;#FDCC8B&#8221; button_bg_color_gradient_end=&#8221;#F1F3F7&#8243; button_border_width=&#8221;0px&#8221; button_border_radius=&#8221;100px&#8221; button_letter_spacing=&#8221;4px&#8221; button_font=&#8221;Candal|||on|||||&#8221; custom_padding=&#8221;25px|40px|25px|40px|true|true&#8221; box_shadow_style=&#8221;preset3&#8243; 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Her combined real estate experience will ensure your success!What to ExpectShelley will guide you through the process of obtaining or modifying your financing needs to offer you the very best solution.Why work with a mortgage broker? 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