{"id":75,"date":"2023-03-15T10:47:32","date_gmt":"2023-03-15T10:47:32","guid":{"rendered":"https:\/\/budgetrates.ca\/?page_id=75"},"modified":"2023-05-13T05:59:41","modified_gmt":"2023-05-13T05:59:41","slug":"services","status":"publish","type":"page","link":"https:\/\/budgetrates.ca\/fr\/services\/","title":{"rendered":"Services"},"content":{"rendered":"<div id=\"fws_69d262e7991ce\"  data-column-margin=\"default\" data-midnight=\"dark\"  class=\"wpb_row vc_row-fluid vc_row vc_row-o-equal-height vc_row-flex vc_row-o-content-middle\"  style=\"padding-top: 0px; padding-bottom: 0px; \"><div class=\"row-bg-wrap\" data-bg-animation=\"none\" data-bg-animation-delay=\"\" data-bg-overlay=\"false\"><div class=\"inner-wrap row-bg-layer\" ><div class=\"row-bg viewport-desktop\"  style=\"\"><\/div><\/div><\/div><div class=\"row_col_wrap_12 col span_12 dark left\">\n\t<div  class=\"vc_col-sm-6 wpb_column column_container vc_column_container col no-extra-padding inherit_tablet inherit_phone\"  data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t\t<div class=\"wpb_wrapper\">\n\t\t\t\t<div class=\"nectar-split-heading\" data-align=\"default\" data-m-align=\"inherit\" data-text-effect=\"default\" data-animation-type=\"line-reveal-by-space\" data-animation-delay=\"0\" data-animation-offset=\"\" data-m-rm-animation=\"\" data-stagger=\"\" data-custom-font-size=\"false\" ><h2 >Loan Options<\/h2><\/div>\n<div class=\"wpb_text_column wpb_content_element\" >\n\t<div class=\"wpb_wrapper\">\n\t\t<p>Finding a great home loan involves careful consideration of your needs, finances and history. We are here to guide you.<\/p>\n\t<\/div>\n<\/div>\n\n\n\n<a class=\"nectar-button large regular accent-color  regular-button\"  style=\"\"  href=\"\/fr\/get-a-quote\/\" data-color-override=\"false\" data-hover-color-override=\"false\" data-hover-text-color-override=\"#fff\"><span>Get Your Quote<\/span><\/a>\n\t\t\t<\/div> \n\t\t<\/div>\n\t<\/div> \n\n\t<div  class=\"vc_col-sm-6 wpb_column column_container vc_column_container col no-extra-padding inherit_tablet inherit_phone\"  data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t\t<div class=\"wpb_wrapper\">\n\t\t\t\t<div class=\"img-with-aniamtion-wrap\" data-max-width=\"100%\" data-max-width-mobile=\"default\" data-border-radius=\"15px\" data-shadow=\"medium_depth\" data-animation=\"none\" >\n      <div class=\"inner\">\n        <div class=\"hover-wrap\"> \n          <div class=\"hover-wrap-inner\">\n            <img class=\"img-with-animation skip-lazy\" data-delay=\"0\" height=\"533\" width=\"800\" data-animation=\"none\" src=\"https:\/\/budgetrates.ca\/wp-content\/uploads\/2023\/04\/Down-Payment.jpg\" alt=\"\" srcset=\"https:\/\/budgetrates.ca\/wp-content\/uploads\/2023\/04\/Down-Payment.jpg 800w, https:\/\/budgetrates.ca\/wp-content\/uploads\/2023\/04\/Down-Payment-300x200.jpg 300w, https:\/\/budgetrates.ca\/wp-content\/uploads\/2023\/04\/Down-Payment-768x512.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n\t\t\t<\/div> \n\t\t<\/div>\n\t<\/div> \n<\/div><\/div>\n\t\t<div id=\"fws_69d262e79a237\"  data-column-margin=\"default\" data-midnight=\"dark\" data-top-percent=\"5%\" data-bottom-percent=\"5%\"  class=\"wpb_row vc_row-fluid vc_row\"  style=\"padding-top: calc(100vw * 0.05); padding-bottom: calc(100vw * 0.05); \"><div class=\"row-bg-wrap\" data-bg-animation=\"none\" data-bg-animation-delay=\"\" data-bg-overlay=\"false\"><div class=\"inner-wrap row-bg-layer\" ><div class=\"row-bg viewport-desktop\"  style=\"\"><\/div><\/div><\/div><div class=\"row_col_wrap_12 col span_12 dark left\">\n\t<div  class=\"vc_col-sm-12 wpb_column column_container vc_column_container col no-extra-padding inherit_tablet inherit_phone\"  data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t\t<div class=\"wpb_wrapper\">\n\t\t\t\t\n\t<div class=\"wpb_content_element\" data-interval=\"0\">\n\t\t<div class=\"wpb_wrapper tabbed clearfix\" data-style=\"minimal_flexible\" data-animation=\"\" data-spacing=\"\" data-icon-size=\"24\" data-full-width-line=\"\" data-color-scheme=\"accent-color\" data-alignment=\"left\">\n\t\t\t<ul class=\"wpb_tabs_nav ui-tabs-nav clearfix\"><li class=\"tab-item active-tab\"><a href=\"#tab-1683957557921-5\" class=\"active-tab\"><span>Residential<\/span><\/a><\/li><li class=\"tab-item\"><a href=\"#tab-1683957559234-2\" ><span>Commercial<\/span><\/a><\/li><li class=\"tab-item\"><a href=\"#tab-1683957559524-5\" ><span>Specialty<\/span><\/a><\/li><\/ul>\n\n\t\t\t\n\t\t\t<div id=\"tab-residential\" data-tab-icon=\"\" class=\"wpb_tab ui-tabs-panel wpb_ui-tabs-hide clearfix\">\n\t\t\t\t<div id=\"fws_69d262e79b2e5\" data-midnight=\"\" data-column-margin=\"30px\" class=\"wpb_row vc_row-fluid vc_row inner_row vc_row-o-equal-height vc_row-flex services-card\"  style=\"padding-top: 20px; \"><div class=\"row-bg-wrap\"> <div class=\"row-bg\" ><\/div> <\/div><div class=\"row_col_wrap_12_inner col span_12  center\">\n\t<div  class=\"vc_col-sm-4 service-card-single wpb_column column_container vc_column_container col child_column left_padding_desktop_30px top_padding_desktop_30px right_padding_desktop_30px bottom_padding_desktop_30px\"   data-border-radius=\"20px\" data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" ><a class=\"column-link\" target=\"_self\" href=\"\/fr\/affordability-analysis-fundability\/\"><\/a>\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"img-with-aniamtion-wrap\" data-max-width=\"100%\" data-max-width-mobile=\"default\" data-shadow=\"none\" data-animation=\"none\" >\n      <div class=\"inner\">\n        <div class=\"hover-wrap\"> \n          <div class=\"hover-wrap-inner\">\n            <img class=\"img-with-animation skip-lazy\" data-delay=\"0\" height=\"96\" width=\"96\" data-animation=\"none\" src=\"https:\/\/budgetrates.ca\/wp-content\/uploads\/2023\/03\/Affordability-Analysis-Fundability.png\" alt=\"\"  \/>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n<div class=\"wpb_text_column wpb_content_element\" >\n\t<div class=\"wpb_wrapper\">\n\t\t<h5>Affordability Analysis (Fundability)<\/h5>\n<p>Whether you\u2019re a first-time homebuyer or a seasoned real estate investor, it\u2019s important to do the math to see how much &#8216;house&#8217; you can afford before you start property-hunting.<\/p>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n\n\t<div  class=\"vc_col-sm-4 service-card-single wpb_column column_container vc_column_container col child_column left_padding_desktop_30px top_padding_desktop_30px right_padding_desktop_30px bottom_padding_desktop_30px\"   data-border-radius=\"20px\" data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" ><a class=\"column-link\" target=\"_self\" href=\"\/fr\/adopt-my-mortgage\/\"><\/a>\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"img-with-aniamtion-wrap\" data-max-width=\"100%\" data-max-width-mobile=\"default\" data-shadow=\"none\" data-animation=\"none\" >\n      <div class=\"inner\">\n        <div class=\"hover-wrap\"> \n          <div class=\"hover-wrap-inner\">\n            <img class=\"img-with-animation skip-lazy\" data-delay=\"0\" height=\"96\" width=\"96\" data-animation=\"none\" src=\"https:\/\/budgetrates.ca\/wp-content\/uploads\/2023\/04\/Adopt-My-Mortgage-2.png\" alt=\"\"  \/>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n<div class=\"wpb_text_column wpb_content_element\" >\n\t<div class=\"wpb_wrapper\">\n\t\t<h5>Adopt My Mortgage<\/h5>\n<p>Even if you didn&#8217;t secure your mortgage through us, we can monitor the market and notify you when better terms, rates, and opportunities become available in the future!<\/p>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n\n\t<div  class=\"vc_col-sm-4 service-card-single wpb_column column_container vc_column_container col child_column left_padding_desktop_30px top_padding_desktop_30px right_padding_desktop_30px bottom_padding_desktop_30px\"   data-border-radius=\"20px\" data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" ><a class=\"column-link\" target=\"_self\" href=\"\/fr\/bridge-loans\/\"><\/a>\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"img-with-aniamtion-wrap\" data-max-width=\"100%\" data-max-width-mobile=\"default\" data-shadow=\"none\" data-animation=\"none\" >\n      <div class=\"inner\">\n        <div class=\"hover-wrap\"> \n          <div class=\"hover-wrap-inner\">\n            <img class=\"img-with-animation skip-lazy\" data-delay=\"0\" height=\"96\" width=\"96\" data-animation=\"none\" src=\"https:\/\/budgetrates.ca\/wp-content\/uploads\/2023\/04\/Bridge-Loans.png\" alt=\"\"  \/>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n<div class=\"wpb_text_column wpb_content_element\" >\n\t<div class=\"wpb_wrapper\">\n\t\t<h5>Bridge Loans<\/h5>\n<p>Have you found your dream home, but your current home hasn&#8217;t sold yet?<br \/>\nA bridge loan may be the solution for you.<\/p>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n<\/div><\/div><div id=\"fws_69d262e79c895\" data-midnight=\"\" data-column-margin=\"30px\" class=\"wpb_row vc_row-fluid vc_row inner_row vc_row-o-equal-height vc_row-flex services-card\"  style=\"padding-top: 20px; \"><div class=\"row-bg-wrap\"> <div class=\"row-bg\" ><\/div> <\/div><div class=\"row_col_wrap_12_inner col span_12  center\">\n\t<div  class=\"vc_col-sm-4 service-card-single wpb_column column_container vc_column_container col child_column left_padding_desktop_30px top_padding_desktop_30px right_padding_desktop_30px bottom_padding_desktop_30px\"   data-border-radius=\"20px\" data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" ><a class=\"column-link\" target=\"_self\" href=\"\/fr\/cash-back-mortgages\/\"><\/a>\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"img-with-aniamtion-wrap\" data-max-width=\"100%\" data-max-width-mobile=\"default\" data-shadow=\"none\" data-animation=\"none\" >\n      <div class=\"inner\">\n        <div class=\"hover-wrap\"> \n          <div class=\"hover-wrap-inner\">\n            <img class=\"img-with-animation skip-lazy\" data-delay=\"0\" height=\"96\" width=\"96\" data-animation=\"none\" src=\"https:\/\/budgetrates.ca\/wp-content\/uploads\/2023\/04\/Cash-back-Mortgages.png\" alt=\"\"  \/>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n<div class=\"wpb_text_column wpb_content_element\" >\n\t<div class=\"wpb_wrapper\">\n\t\t<h5>Cash-back Mortgages<\/h5>\n<p>With a cash-back mortgage, you can receive between 1% and 7% of your home&#8217;s value in a lump sum amount when the mortgage closes.<br \/>\nThis can help with planned or unplanned expenses after you purchase your new home.<\/p>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n\n\t<div  class=\"vc_col-sm-4 service-card-single wpb_column column_container vc_column_container col child_column left_padding_desktop_30px top_padding_desktop_30px right_padding_desktop_30px bottom_padding_desktop_30px\"   data-border-radius=\"20px\" data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" ><a class=\"column-link\" target=\"_self\" href=\"\/fr\/first-time-home-buyer-programs\/\"><\/a>\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"img-with-aniamtion-wrap\" data-max-width=\"100%\" data-max-width-mobile=\"default\" data-shadow=\"none\" data-animation=\"none\" >\n      <div class=\"inner\">\n        <div class=\"hover-wrap\"> \n          <div class=\"hover-wrap-inner\">\n            <img class=\"img-with-animation skip-lazy\" data-delay=\"0\" height=\"96\" width=\"96\" data-animation=\"none\" src=\"https:\/\/budgetrates.ca\/wp-content\/uploads\/2023\/04\/First-Time-Home-Buyer.png\" alt=\"\"  \/>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n<div class=\"wpb_text_column wpb_content_element\" >\n\t<div class=\"wpb_wrapper\">\n\t\t<h5>First-Time Home Buyer<\/h5>\n<p>Are you ready to buy your first home?<br \/>\nWe can walk you through the different grants, incentives, and programs available to assist you on your path to home ownership.<\/p>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n\n\t<div  class=\"vc_col-sm-4 service-card-single wpb_column column_container vc_column_container col child_column left_padding_desktop_30px top_padding_desktop_30px right_padding_desktop_30px bottom_padding_desktop_30px\"   data-border-radius=\"20px\" data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" ><a class=\"column-link\" target=\"_self\" href=\"\/fr\/home-equity-line-of-credit\/\"><\/a>\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"img-with-aniamtion-wrap\" data-max-width=\"100%\" data-max-width-mobile=\"default\" data-shadow=\"none\" data-animation=\"none\" >\n      <div class=\"inner\">\n        <div class=\"hover-wrap\"> \n          <div class=\"hover-wrap-inner\">\n            <img class=\"img-with-animation skip-lazy\" data-delay=\"0\" height=\"96\" width=\"96\" data-animation=\"none\" src=\"https:\/\/budgetrates.ca\/wp-content\/uploads\/2023\/03\/Home-Equity-Line-of-Credit.png\" alt=\"\"  \/>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n<div class=\"wpb_text_column wpb_content_element\" >\n\t<div class=\"wpb_wrapper\">\n\t\t<h5>Home Equity Line of Credit<\/h5>\n<p>If you need money to cover upcoming expenses, such as renovations, medical bills, or any other major purchase, using your home\u2019s equity is one of the most affordable ways to borrow the money you need.<\/p>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n<\/div><\/div><div id=\"fws_69d262e79dacd\" data-midnight=\"\" data-column-margin=\"30px\" class=\"wpb_row vc_row-fluid vc_row inner_row vc_row-o-equal-height vc_row-flex services-card\"  style=\"padding-top: 20px; \"><div class=\"row-bg-wrap\"> <div class=\"row-bg\" ><\/div> <\/div><div class=\"row_col_wrap_12_inner col span_12  center\">\n\t<div  class=\"vc_col-sm-4 service-card-single wpb_column column_container vc_column_container col child_column left_padding_desktop_30px top_padding_desktop_30px right_padding_desktop_30px bottom_padding_desktop_30px\"   data-border-radius=\"20px\" data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" ><a class=\"column-link\" target=\"_self\" href=\"\/fr\/multi-family-residential-loans-4-units-or-less\/\"><\/a>\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"img-with-aniamtion-wrap\" data-max-width=\"100%\" data-max-width-mobile=\"default\" data-shadow=\"none\" data-animation=\"none\" >\n      <div class=\"inner\">\n        <div class=\"hover-wrap\"> \n          <div class=\"hover-wrap-inner\">\n            <img class=\"img-with-animation skip-lazy\" data-delay=\"0\" height=\"96\" width=\"96\" data-animation=\"none\" src=\"https:\/\/budgetrates.ca\/wp-content\/uploads\/2023\/04\/Office-96-1.png\" alt=\"\"  \/>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n<div class=\"wpb_text_column wpb_content_element\" >\n\t<div class=\"wpb_wrapper\">\n\t\t<h5>Multi-family residential loans (4 units or less)<\/h5>\n<p>Start (or continue) your landlord journey by purchasing a duplex, a triplex, or a fourplex. We&#8217;re here to help!<\/p>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n\n\t<div  class=\"vc_col-sm-4 service-card-single wpb_column column_container vc_column_container col child_column left_padding_desktop_30px top_padding_desktop_30px right_padding_desktop_30px bottom_padding_desktop_30px\"   data-border-radius=\"20px\" data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" ><a class=\"column-link\" target=\"_self\" href=\"\/fr\/multi-family-residential-loans-5-units-or-more\/\"><\/a>\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"img-with-aniamtion-wrap\" data-max-width=\"100%\" data-max-width-mobile=\"default\" data-shadow=\"none\" data-animation=\"none\" >\n      <div class=\"inner\">\n        <div class=\"hover-wrap\"> \n          <div class=\"hover-wrap-inner\">\n            <img class=\"img-with-animation skip-lazy\" data-delay=\"0\" height=\"96\" width=\"96\" data-animation=\"none\" src=\"https:\/\/budgetrates.ca\/wp-content\/uploads\/2023\/04\/Building-96.png\" alt=\"\"  \/>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n<div class=\"wpb_text_column wpb_content_element\" >\n\t<div class=\"wpb_wrapper\">\n\t\t<h5>Multi-family residential loans (5 units or more)<\/h5>\n<p>If you&#8217;re looking for increased cash flow and a fast-growing real estate portfolio, consider adding a multi-family property to your inventory!<\/p>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n\n\t<div  class=\"vc_col-sm-4 service-card-single wpb_column column_container vc_column_container col child_column left_padding_desktop_30px top_padding_desktop_30px right_padding_desktop_30px bottom_padding_desktop_30px\"   data-border-radius=\"20px\" data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" ><a class=\"column-link\" target=\"_self\" href=\"\/fr\/military-dnd-mortgages\/\"><\/a>\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"img-with-aniamtion-wrap\" data-max-width=\"100%\" data-max-width-mobile=\"default\" data-shadow=\"none\" data-animation=\"none\" >\n      <div class=\"inner\">\n        <div class=\"hover-wrap\"> \n          <div class=\"hover-wrap-inner\">\n            <img class=\"img-with-animation skip-lazy\" data-delay=\"0\" height=\"96\" width=\"96\" data-animation=\"none\" src=\"https:\/\/budgetrates.ca\/wp-content\/uploads\/2023\/04\/Military-Mortgages.png\" alt=\"\"  \/>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n<div class=\"wpb_text_column wpb_content_element\" >\n\t<div class=\"wpb_wrapper\">\n\t\t<h5>Military \/ DND Mortgages<\/h5>\n<p>We are grateful for your service to our country.<br \/>\nAllow us to serve you by helping you secure the most competitive mortgage option for your needs!<\/p>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n<\/div><\/div><div id=\"fws_69d262e79eb7d\" data-midnight=\"\" data-column-margin=\"30px\" class=\"wpb_row vc_row-fluid vc_row inner_row vc_row-o-equal-height vc_row-flex services-card\"  style=\"padding-top: 20px; \"><div class=\"row-bg-wrap\"> <div class=\"row-bg\" ><\/div> <\/div><div class=\"row_col_wrap_12_inner col span_12  center\">\n\t<div  class=\"vc_col-sm-4 service-card-single wpb_column column_container vc_column_container col child_column left_padding_desktop_30px top_padding_desktop_30px right_padding_desktop_30px bottom_padding_desktop_30px\"   data-border-radius=\"20px\" data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" ><a class=\"column-link\" target=\"_self\" href=\"\/fr\/new-construction-loans\/\"><\/a>\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"img-with-aniamtion-wrap\" data-max-width=\"100%\" data-max-width-mobile=\"default\" data-shadow=\"none\" data-animation=\"none\" >\n      <div class=\"inner\">\n        <div class=\"hover-wrap\"> \n          <div class=\"hover-wrap-inner\">\n            <img class=\"img-with-animation skip-lazy\" data-delay=\"0\" height=\"96\" width=\"96\" data-animation=\"none\" src=\"https:\/\/budgetrates.ca\/wp-content\/uploads\/2023\/04\/New-Construction-Loan.png\" alt=\"\"  \/>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n<div class=\"wpb_text_column wpb_content_element\" >\n\t<div class=\"wpb_wrapper\">\n\t\t<h5>New Construction Loans<\/h5>\n<p>If you&#8217;re thinking about building your dream home from the ground up, or looking to build a multi-unit property, a new construction loan may be the right product for you.<\/p>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n\n\t<div  class=\"vc_col-sm-4 service-card-single wpb_column column_container vc_column_container col child_column left_padding_desktop_30px top_padding_desktop_30px right_padding_desktop_30px bottom_padding_desktop_30px\"   data-border-radius=\"20px\" data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" ><a class=\"column-link\" target=\"_self\" href=\"\/fr\/purchase\/\"><\/a>\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"img-with-aniamtion-wrap\" data-max-width=\"100%\" data-max-width-mobile=\"default\" data-shadow=\"none\" data-animation=\"none\" >\n      <div class=\"inner\">\n        <div class=\"hover-wrap\"> \n          <div class=\"hover-wrap-inner\">\n            <img class=\"img-with-animation skip-lazy\" data-delay=\"0\" height=\"96\" width=\"96\" data-animation=\"none\" src=\"https:\/\/budgetrates.ca\/wp-content\/uploads\/2023\/04\/Direction-96.png\" alt=\"\"  \/>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n<div class=\"wpb_text_column wpb_content_element\" >\n\t<div class=\"wpb_wrapper\">\n\t\t<h5>Purchase<\/h5>\n<p>Are you ready to buy a new property? Have you already found your dream home?<br \/>\nDon&#8217;t know where to start? We&#8217;re here to help!<\/p>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n\n\t<div  class=\"vc_col-sm-4 service-card-single wpb_column column_container vc_column_container col child_column left_padding_desktop_30px top_padding_desktop_30px right_padding_desktop_30px bottom_padding_desktop_30px\"   data-border-radius=\"20px\" data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" ><a class=\"column-link\" target=\"_self\" href=\"\/fr\/pre-approval\/\"><\/a>\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"img-with-aniamtion-wrap\" data-max-width=\"100%\" data-max-width-mobile=\"default\" data-shadow=\"none\" data-animation=\"none\" >\n      <div class=\"inner\">\n        <div class=\"hover-wrap\"> \n          <div class=\"hover-wrap-inner\">\n            <img class=\"img-with-animation skip-lazy\" data-delay=\"0\" height=\"96\" width=\"96\" data-animation=\"none\" src=\"https:\/\/budgetrates.ca\/wp-content\/uploads\/2023\/04\/Approvement-96.png\" alt=\"\"  \/>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n<div class=\"wpb_text_column wpb_content_element\" >\n\t<div class=\"wpb_wrapper\">\n\t\t<h5>Pre-approval<\/h5>\n<p>When you&#8217;re ready to start looking for a home, a mortgage pre-approval gives you a clear idea of how much you can borrow based on your credit report and the information you provide.<\/p>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n<\/div><\/div><div id=\"fws_69d262e79fd35\" data-midnight=\"\" data-column-margin=\"30px\" class=\"wpb_row vc_row-fluid vc_row inner_row vc_row-o-equal-height vc_row-flex services-card\"  style=\"padding-top: 20px; \"><div class=\"row-bg-wrap\"> <div class=\"row-bg\" ><\/div> <\/div><div class=\"row_col_wrap_12_inner col span_12  center\">\n\t<div  class=\"vc_col-sm-4 service-card-single wpb_column column_container vc_column_container col child_column left_padding_desktop_30px top_padding_desktop_30px right_padding_desktop_30px bottom_padding_desktop_30px\"   data-border-radius=\"20px\" data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" ><a class=\"column-link\" target=\"_self\" href=\"\/fr\/pre-qualification\/\"><\/a>\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"img-with-aniamtion-wrap\" data-max-width=\"100%\" data-max-width-mobile=\"default\" data-shadow=\"none\" data-animation=\"none\" >\n      <div class=\"inner\">\n        <div class=\"hover-wrap\"> \n          <div class=\"hover-wrap-inner\">\n            <img class=\"img-with-animation skip-lazy\" data-delay=\"0\" height=\"96\" width=\"96\" data-animation=\"none\" src=\"https:\/\/budgetrates.ca\/wp-content\/uploads\/2023\/04\/Pre-qualification.png\" alt=\"\"  \/>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n<div class=\"wpb_text_column wpb_content_element\" >\n\t<div class=\"wpb_wrapper\">\n\t\t<h5>Pre-qualification<\/h5>\n<p>This is a quick way to get a first look at what you can afford if you&#8217;re interested in purchasing a home in the future without conducting a thorough analysis of your financial situation or a hard credit check.<\/p>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n\n\t<div  class=\"vc_col-sm-4 service-card-single wpb_column column_container vc_column_container col child_column left_padding_desktop_30px top_padding_desktop_30px right_padding_desktop_30px bottom_padding_desktop_30px\"   data-border-radius=\"20px\" data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" ><a class=\"column-link\" target=\"_self\" href=\"\/fr\/purchase-plus-improvements-mortgage\/\"><\/a>\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"img-with-aniamtion-wrap\" data-max-width=\"100%\" data-max-width-mobile=\"default\" data-shadow=\"none\" data-animation=\"none\" >\n      <div class=\"inner\">\n        <div class=\"hover-wrap\"> \n          <div class=\"hover-wrap-inner\">\n            <img class=\"img-with-animation skip-lazy\" data-delay=\"0\" height=\"96\" width=\"96\" data-animation=\"none\" src=\"https:\/\/budgetrates.ca\/wp-content\/uploads\/2023\/04\/Purchase-Plus-ImprovementsRenovations.png\" alt=\"\"  \/>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n<div class=\"wpb_text_column wpb_content_element\" >\n\t<div class=\"wpb_wrapper\">\n\t\t<h5>Purchase Plus Improvements Mortgage<\/h5>\n<p>You found your dream home, but there&#8217;s one problem: it needs some TLC (renovations \/repairs) before it meets your needs.<br \/>\nWith a Purchase Plus Improvements Mortgage, you can secure a mortgage and include the renovation costs, sometimes with as little as 5% down!<\/p>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n\n\t<div  class=\"vc_col-sm-4 service-card-single wpb_column column_container vc_column_container col child_column left_padding_desktop_30px top_padding_desktop_30px right_padding_desktop_30px bottom_padding_desktop_30px\"   data-border-radius=\"20px\" data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" ><a class=\"column-link\" target=\"_self\" href=\"\/fr\/refinancing\/\"><\/a>\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"img-with-aniamtion-wrap\" data-max-width=\"100%\" data-max-width-mobile=\"default\" data-shadow=\"none\" data-animation=\"none\" >\n      <div class=\"inner\">\n        <div class=\"hover-wrap\"> \n          <div class=\"hover-wrap-inner\">\n            <img class=\"img-with-animation skip-lazy\" data-delay=\"0\" height=\"96\" width=\"96\" data-animation=\"none\" src=\"https:\/\/budgetrates.ca\/wp-content\/uploads\/2023\/04\/MortgageRefinancingEquityTakeOut.png\" alt=\"\"  \/>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n<div class=\"wpb_text_column wpb_content_element\" >\n\t<div class=\"wpb_wrapper\">\n\t\t<h5>Refinancing<\/h5>\n<p>Need some money for an unexpected expense? Or do you simply want to secure a better interest rate? Then refinancing is for you!<\/p>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n<\/div><\/div><div id=\"fws_69d262e7a0f81\" data-midnight=\"\" data-column-margin=\"30px\" class=\"wpb_row vc_row-fluid vc_row inner_row vc_row-o-equal-height vc_row-flex services-card\"  style=\"padding-top: 20px; \"><div class=\"row-bg-wrap\"> <div class=\"row-bg\" ><\/div> <\/div><div class=\"row_col_wrap_12_inner col span_12  center\">\n\t<div  class=\"vc_col-sm-4 service-card-single wpb_column column_container vc_column_container col child_column left_padding_desktop_30px top_padding_desktop_30px right_padding_desktop_30px bottom_padding_desktop_30px\"   data-border-radius=\"20px\" data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" ><a class=\"column-link\" target=\"_self\" href=\"\/fr\/renewal\/\"><\/a>\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"img-with-aniamtion-wrap\" data-max-width=\"100%\" data-max-width-mobile=\"default\" data-shadow=\"none\" data-animation=\"none\" >\n      <div class=\"inner\">\n        <div class=\"hover-wrap\"> \n          <div class=\"hover-wrap-inner\">\n            <img class=\"img-with-animation skip-lazy\" data-delay=\"0\" height=\"96\" width=\"96\" data-animation=\"none\" src=\"https:\/\/budgetrates.ca\/wp-content\/uploads\/2023\/04\/Mortgage-Renewals.png\" alt=\"\"  \/>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n<div class=\"wpb_text_column wpb_content_element\" >\n\t<div class=\"wpb_wrapper\">\n\t\t<h5>Renewals<\/h5>\n<p>Your term is nearing its maturity date. It&#8217;s time to renew! Are you being offered the best rates and terms?? Let us locate the best renewal option for you.<\/p>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n\n\t<div  class=\"vc_col-sm-4 service-card-single wpb_column column_container vc_column_container col child_column left_padding_desktop_30px top_padding_desktop_30px right_padding_desktop_30px bottom_padding_desktop_30px\"   data-border-radius=\"20px\" data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" ><a class=\"column-link\" target=\"_self\" href=\"\/fr\/renovation-loans\/\"><\/a>\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"img-with-aniamtion-wrap\" data-max-width=\"100%\" data-max-width-mobile=\"default\" data-shadow=\"none\" data-animation=\"none\" >\n      <div class=\"inner\">\n        <div class=\"hover-wrap\"> \n          <div class=\"hover-wrap-inner\">\n            <img class=\"img-with-animation skip-lazy\" data-delay=\"0\" height=\"96\" width=\"96\" data-animation=\"none\" src=\"https:\/\/budgetrates.ca\/wp-content\/uploads\/2023\/04\/Renovation-Loans.png\" alt=\"\"  \/>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n<div class=\"wpb_text_column wpb_content_element\" >\n\t<div class=\"wpb_wrapper\">\n\t\t<h5>Renovation Loans<\/h5>\n<p>Do you want to add a swimming pool or a garage to your home? Or maybe you&#8217;re looking towards larger renovation projects, such as finishing your basement, replacing your roof, or a kitchen remodel.<br \/>\nIf you don&#8217;t have enough savings for your project, how will you pay for it?<br \/>\nWe can help you find the ideal home renovation loan.<\/p>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n\n\t<div  class=\"vc_col-sm-4 service-card-single wpb_column column_container vc_column_container col child_column left_padding_desktop_30px top_padding_desktop_30px right_padding_desktop_30px bottom_padding_desktop_30px\"   data-border-radius=\"20px\" data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" ><a class=\"column-link\" target=\"_self\" href=\"\/fr\/self-employed-mortgages\/\"><\/a>\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"img-with-aniamtion-wrap\" data-max-width=\"100%\" data-max-width-mobile=\"default\" data-shadow=\"none\" data-animation=\"none\" >\n      <div class=\"inner\">\n        <div class=\"hover-wrap\"> \n          <div class=\"hover-wrap-inner\">\n            <img class=\"img-with-animation skip-lazy\" data-delay=\"0\" height=\"96\" width=\"96\" data-animation=\"none\" src=\"https:\/\/budgetrates.ca\/wp-content\/uploads\/2023\/04\/Self-Employed-Borrowers.png\" alt=\"\"  \/>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n<div class=\"wpb_text_column wpb_content_element\" >\n\t<div class=\"wpb_wrapper\">\n\t\t<h5>Self-Employed Mortgages<\/h5>\n<p>Do you own your own business? Are you self-employed? Do you have irregular or seasonal income? This may be the ideal solution for you on your path to home ownership.<\/p>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n<\/div><\/div><div id=\"fws_69d262e7a22bc\" data-midnight=\"\" data-column-margin=\"30px\" class=\"wpb_row vc_row-fluid vc_row inner_row vc_row-o-equal-height vc_row-flex services-card\"  style=\"padding-top: 20px; \"><div class=\"row-bg-wrap\"> <div class=\"row-bg\" ><\/div> <\/div><div class=\"row_col_wrap_12_inner col span_12  center\">\n\t<div  class=\"vc_col-sm-4 service-card-single wpb_column column_container vc_column_container col child_column left_padding_desktop_30px top_padding_desktop_30px right_padding_desktop_30px bottom_padding_desktop_30px\"   data-border-radius=\"20px\" data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" ><a class=\"column-link\" target=\"_self\" href=\"\/fr\/spousal-buyout-mortgage\/\"><\/a>\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"img-with-aniamtion-wrap\" data-max-width=\"100%\" data-max-width-mobile=\"default\" data-shadow=\"none\" data-animation=\"none\" >\n      <div class=\"inner\">\n        <div class=\"hover-wrap\"> \n          <div class=\"hover-wrap-inner\">\n            <img class=\"img-with-animation skip-lazy\" data-delay=\"0\" height=\"96\" width=\"96\" data-animation=\"none\" src=\"https:\/\/budgetrates.ca\/wp-content\/uploads\/2023\/04\/Spousal-Buyout-Program.png\" alt=\"\"  \/>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n<div class=\"wpb_text_column wpb_content_element\" >\n\t<div class=\"wpb_wrapper\">\n\t\t<h5>Spousal Buyout Mortgage<\/h5>\n<p>Are you getting divorced?<br \/>\nIs this the end of your common-law arrangement, marriage, or relationship? What happens to your mortgage?<br \/>\nWe can answer that question, and provide solutions.<\/p>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n\n\t<div  class=\"vc_col-sm-4 service-card-single wpb_column column_container vc_column_container col child_column left_padding_desktop_30px top_padding_desktop_30px right_padding_desktop_30px bottom_padding_desktop_30px\"   data-border-radius=\"20px\" data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" ><a class=\"column-link\" target=\"_self\" href=\"\/fr\/second-opinion\/\"><\/a>\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"img-with-aniamtion-wrap\" data-max-width=\"100%\" data-max-width-mobile=\"default\" data-shadow=\"none\" data-animation=\"none\" >\n      <div class=\"inner\">\n        <div class=\"hover-wrap\"> \n          <div class=\"hover-wrap-inner\">\n            <img class=\"img-with-animation skip-lazy\" data-delay=\"0\" height=\"96\" width=\"96\" data-animation=\"none\" src=\"https:\/\/budgetrates.ca\/wp-content\/uploads\/2023\/05\/Second-Opinion.png\" alt=\"\"  \/>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n<div class=\"wpb_text_column wpb_content_element\" >\n\t<div class=\"wpb_wrapper\">\n\t\t<h5>Second Opinion<\/h5>\n<p>Don&#8217;t sign that mortgage agreement yet! Whether it&#8217;s for a new purchase, a renewal, or refinancing.<br \/>\nOur Second Opinion service offers a free, no-obligation, no-credit pull analysis of your file, even if you&#8217;ve been approved elsewhere.<br \/>\nWe review and compare rates, fees, services, and other pieces of the financial puzzle to ensure they are in line with your long-term financial objectives.<\/p>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n\n\t<div  class=\"vc_col-sm-4 service-card-single wpb_column column_container vc_column_container col child_column left_padding_desktop_30px top_padding_desktop_30px right_padding_desktop_30px bottom_padding_desktop_30px\"   data-border-radius=\"20px\" data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" ><a class=\"column-link\" target=\"_self\" href=\"\/fr\/transfer-or-port-your-mortgage\/\"><\/a>\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"img-with-aniamtion-wrap\" data-max-width=\"100%\" data-max-width-mobile=\"default\" data-shadow=\"none\" data-animation=\"none\" >\n      <div class=\"inner\">\n        <div class=\"hover-wrap\"> \n          <div class=\"hover-wrap-inner\">\n            <img class=\"img-with-animation skip-lazy\" data-delay=\"0\" height=\"96\" width=\"96\" data-animation=\"none\" src=\"https:\/\/budgetrates.ca\/wp-content\/uploads\/2023\/04\/Transfers.png\" alt=\"\"  \/>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n<div class=\"wpb_text_column wpb_content_element\" >\n\t<div class=\"wpb_wrapper\">\n\t\t<h5>Transfer (or port) your mortgage<\/h5>\n<p>When you move (like when you buy a new home), you might want to bring your mortgage with you. The process of &#8220;porting&#8221; allows you to keep the same mortgage conditions with your current lender.<br \/>\nWe can help you with this.<\/p>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n<\/div><\/div><div id=\"fws_69d262e7a357d\" data-midnight=\"\" data-column-margin=\"30px\" class=\"wpb_row vc_row-fluid vc_row inner_row vc_row-o-equal-height vc_row-flex services-card\"  style=\"padding-top: 20px; \"><div class=\"row-bg-wrap\"> <div class=\"row-bg\" ><\/div> <\/div><div class=\"row_col_wrap_12_inner col span_12  center\">\n\t<div  class=\"vc_col-sm-4 service-card-single wpb_column column_container vc_column_container col child_column left_padding_desktop_30px top_padding_desktop_30px right_padding_desktop_30px bottom_padding_desktop_30px\"   data-border-radius=\"20px\" data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" ><a class=\"column-link\" target=\"_self\" href=\"\/fr\/vacation-second-homes\/\"><\/a>\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"img-with-aniamtion-wrap\" data-max-width=\"100%\" data-max-width-mobile=\"default\" data-shadow=\"none\" data-animation=\"none\" >\n      <div class=\"inner\">\n        <div class=\"hover-wrap\"> \n          <div class=\"hover-wrap-inner\">\n            <img class=\"img-with-animation skip-lazy\" data-delay=\"0\" height=\"96\" width=\"96\" data-animation=\"none\" src=\"https:\/\/budgetrates.ca\/wp-content\/uploads\/2023\/04\/VacationSecondaryHomes.png\" alt=\"\"  \/>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n<div class=\"wpb_text_column wpb_content_element\" >\n\t<div class=\"wpb_wrapper\">\n\t\t<h5>Vacation\/Second Homes<\/h5>\n<p>Are you ready to buy a second property closer to the office to cut down on your daily commute? Or perhaps to buy that cottage near the lake for fun family getaways?<\/p>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n<\/div><\/div>\n\t\t\t<\/div> \n\t\t\t<div id=\"tab-commercial\" data-tab-icon=\"\" class=\"wpb_tab ui-tabs-panel wpb_ui-tabs-hide clearfix\">\n\t\t\t\t<div id=\"fws_69d262e7a43a7\" data-midnight=\"\" data-column-margin=\"30px\" class=\"wpb_row vc_row-fluid vc_row inner_row vc_row-o-equal-height vc_row-flex services-card\"  style=\"padding-top: 20px; \"><div class=\"row-bg-wrap\"> <div class=\"row-bg\" ><\/div> <\/div><div class=\"row_col_wrap_12_inner col span_12  center\">\n\t<div  class=\"vc_col-sm-4 service-card-single wpb_column column_container vc_column_container col child_column left_padding_desktop_30px top_padding_desktop_30px right_padding_desktop_30px bottom_padding_desktop_30px\"   data-border-radius=\"20px\" data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" ><a class=\"column-link\" target=\"_self\" href=\"\/fr\/commercial-mortgages\/\"><\/a>\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"img-with-aniamtion-wrap\" data-max-width=\"100%\" data-max-width-mobile=\"default\" data-shadow=\"none\" data-animation=\"none\" >\n      <div class=\"inner\">\n        <div class=\"hover-wrap\"> \n          <div class=\"hover-wrap-inner\">\n            <img class=\"img-with-animation skip-lazy\" data-delay=\"0\" height=\"96\" width=\"96\" data-animation=\"none\" src=\"https:\/\/budgetrates.ca\/wp-content\/uploads\/2023\/04\/Commercial-Mortgages.png\" alt=\"\"  \/>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n<div class=\"wpb_text_column wpb_content_element\" >\n\t<div class=\"wpb_wrapper\">\n\t\t<h5>Commercial Mortgages<\/h5>\n<p>Are you ready to grow your business by either buying or refinancing a commercial property? We&#8217;ll work with you to sort out the details, and help you secure financing.<\/p>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n\n\t<div  class=\"vc_col-sm-4 service-card-single wpb_column column_container vc_column_container col child_column left_padding_desktop_30px top_padding_desktop_30px right_padding_desktop_30px bottom_padding_desktop_30px\"   data-border-radius=\"20px\" data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" ><a class=\"column-link\" target=\"_self\" href=\"\/fr\/land-mortgage-residential-commercial-or-industrial\/\"><\/a>\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"img-with-aniamtion-wrap\" data-max-width=\"100%\" data-max-width-mobile=\"default\" data-shadow=\"none\" data-animation=\"none\" >\n      <div class=\"inner\">\n        <div class=\"hover-wrap\"> \n          <div class=\"hover-wrap-inner\">\n            <img class=\"img-with-animation skip-lazy\" data-delay=\"0\" height=\"96\" width=\"96\" data-animation=\"none\" src=\"https:\/\/budgetrates.ca\/wp-content\/uploads\/2023\/04\/Map-96.png\" alt=\"\"  \/>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n<div class=\"wpb_text_column wpb_content_element\" >\n\t<div class=\"wpb_wrapper\">\n\t\t<h5>Land: Residential, Commercial, or Industrial<\/h5>\n<p>Have you found the ideal piece of land for your plans and future projects?<br \/>\nWe can help you navigate the complexities of securing a land mortgage.<\/p>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n\n\t<div  class=\"vc_col-sm-4 service-card-single wpb_column column_container vc_column_container col child_column left_padding_desktop_30px top_padding_desktop_30px right_padding_desktop_30px bottom_padding_desktop_30px\"   data-border-radius=\"20px\" data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" ><a class=\"column-link\" target=\"_self\" href=\"\/fr\/multi-unit-construction-loans\/\"><\/a>\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"img-with-aniamtion-wrap\" data-max-width=\"100%\" data-max-width-mobile=\"default\" data-shadow=\"none\" data-animation=\"none\" >\n      <div class=\"inner\">\n        <div class=\"hover-wrap\"> \n          <div class=\"hover-wrap-inner\">\n            <img class=\"img-with-animation skip-lazy\" data-delay=\"0\" height=\"96\" width=\"96\" data-animation=\"none\" src=\"https:\/\/budgetrates.ca\/wp-content\/uploads\/2023\/04\/Crane-96.png\" alt=\"\"  \/>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n<div class=\"wpb_text_column wpb_content_element\" >\n\t<div class=\"wpb_wrapper\">\n\t\t<h5>Multi-unit construction Loans<\/h5>\n<p>The ideal solution for real estate developers and investors looking to build multi-family properties.<\/p>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n<\/div><\/div><div id=\"fws_69d262e7a5818\" data-midnight=\"\" data-column-margin=\"30px\" class=\"wpb_row vc_row-fluid vc_row inner_row vc_row-o-equal-height vc_row-flex services-card\"  style=\"padding-top: 20px; \"><div class=\"row-bg-wrap\"> <div class=\"row-bg\" ><\/div> <\/div><div class=\"row_col_wrap_12_inner col span_12  center\">\n\t<div  class=\"vc_col-sm-4 service-card-single wpb_column column_container vc_column_container col child_column left_padding_desktop_30px top_padding_desktop_30px right_padding_desktop_30px bottom_padding_desktop_30px\"   data-border-radius=\"20px\" data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" ><a class=\"column-link\" target=\"_self\" href=\"\/fr\/seniors-housing-financing\/\"><\/a>\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"img-with-aniamtion-wrap\" data-max-width=\"100%\" data-max-width-mobile=\"default\" data-shadow=\"none\" data-animation=\"none\" >\n      <div class=\"inner\">\n        <div class=\"hover-wrap\"> \n          <div class=\"hover-wrap-inner\">\n            <img class=\"img-with-animation skip-lazy\" data-delay=\"0\" height=\"96\" width=\"96\" data-animation=\"none\" src=\"https:\/\/budgetrates.ca\/wp-content\/uploads\/2023\/04\/Seniors-Housing.png\" alt=\"\"  \/>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n<div class=\"wpb_text_column wpb_content_element\" >\n\t<div class=\"wpb_wrapper\">\n\t\t<h5>Seniors Housing<\/h5>\n<p>If you&#8217;re an experienced investor or developer interested in the senior housing industry, let us work with you to find solutions specifically designed for the acquisition or refinance of properties designated and built as seniors housing properties.<\/p>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n\n\t<div  class=\"vc_col-sm-4 service-card-single wpb_column column_container vc_column_container col child_column left_padding_desktop_30px top_padding_desktop_30px right_padding_desktop_30px bottom_padding_desktop_30px\"   data-border-radius=\"20px\" data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" ><a class=\"column-link\" target=\"_self\" href=\"\/fr\/semi-commercial-mixed-use-mortgages\/\"><\/a>\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"img-with-aniamtion-wrap\" data-max-width=\"100%\" data-max-width-mobile=\"default\" data-shadow=\"none\" data-animation=\"none\" >\n      <div class=\"inner\">\n        <div class=\"hover-wrap\"> \n          <div class=\"hover-wrap-inner\">\n            <img class=\"img-with-animation skip-lazy\" data-delay=\"0\" height=\"96\" width=\"96\" data-animation=\"none\" src=\"https:\/\/budgetrates.ca\/wp-content\/uploads\/2023\/04\/Office-96.png\" alt=\"\"  \/>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n<div class=\"wpb_text_column wpb_content_element\" >\n\t<div class=\"wpb_wrapper\">\n\t\t<h5>Semi-commercial \/ Mixed-use properties<\/h5>\n<p>&#8220;It is crucial to choose the right type of mortgage for your semi-commercial, mixed-use property.<br \/>\nWe can assist you in finding the optimal solution.&#8221;<\/p>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n<\/div><\/div>\n\t\t\t<\/div> \n\t\t\t<div id=\"tab-specialty\" data-tab-icon=\"\" class=\"wpb_tab ui-tabs-panel wpb_ui-tabs-hide clearfix\">\n\t\t\t\t<div id=\"fws_69d262e7a66c7\" data-midnight=\"\" data-column-margin=\"30px\" class=\"wpb_row vc_row-fluid vc_row inner_row vc_row-o-equal-height vc_row-flex services-card\"  style=\"padding-top: 20px; \"><div class=\"row-bg-wrap\"> <div class=\"row-bg\" ><\/div> <\/div><div class=\"row_col_wrap_12_inner col span_12  center\">\n\t<div  class=\"vc_col-sm-4 service-card-single wpb_column column_container vc_column_container col child_column left_padding_desktop_30px top_padding_desktop_30px right_padding_desktop_30px bottom_padding_desktop_30px\"   data-border-radius=\"20px\" data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" ><a class=\"column-link\" target=\"_self\" href=\"\/fr\/alternative-non-traditional-loans\/\"><\/a>\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"img-with-aniamtion-wrap\" data-max-width=\"100%\" data-max-width-mobile=\"default\" data-shadow=\"none\" data-animation=\"none\" >\n      <div class=\"inner\">\n        <div class=\"hover-wrap\"> \n          <div class=\"hover-wrap-inner\">\n            <img class=\"img-with-animation skip-lazy\" data-delay=\"0\" height=\"96\" width=\"96\" data-animation=\"none\" src=\"https:\/\/budgetrates.ca\/wp-content\/uploads\/2023\/04\/Bank-96.png\" alt=\"\"  \/>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n<div class=\"wpb_text_column wpb_content_element\" >\n\t<div class=\"wpb_wrapper\">\n\t\t<h5>Alternative \/ Non-Traditional Loans<\/h5>\n<p>&#8220;Rejected by the Big Banks?<br \/>\nAlternative lenders, also known as B lenders, are becoming increasingly mainstream. An alternative lender might be the ideal option for you if you don&#8217;t fit the large banks&#8217; lending requirements.&#8221;<\/p>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n\n\t<div  class=\"vc_col-sm-4 service-card-single wpb_column column_container vc_column_container col child_column left_padding_desktop_30px top_padding_desktop_30px right_padding_desktop_30px bottom_padding_desktop_30px\"   data-border-radius=\"20px\" data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" ><a class=\"column-link\" target=\"_self\" href=\"\/fr\/affluent-high-net-worth-mortgages\/\"><\/a>\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"img-with-aniamtion-wrap\" data-max-width=\"100%\" data-max-width-mobile=\"default\" data-shadow=\"none\" data-animation=\"none\" >\n      <div class=\"inner\">\n        <div class=\"hover-wrap\"> \n          <div class=\"hover-wrap-inner\">\n            <img class=\"img-with-animation skip-lazy\" data-delay=\"0\" height=\"96\" width=\"96\" data-animation=\"none\" src=\"https:\/\/budgetrates.ca\/wp-content\/uploads\/2023\/04\/Ingot-96.png\" alt=\"\"  \/>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n<div class=\"wpb_text_column wpb_content_element\" >\n\t<div class=\"wpb_wrapper\">\n\t\t<h5>Affluent \/ High Net Worth<\/h5>\n<p>Mortgages for borrowers with insufficient qualifying income yet significant liquid assets. This program can be used to both buy and refinance a home. Rental, vacation, and owner-occupied properties are all acceptable.<\/p>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n\n\t<div  class=\"vc_col-sm-4 service-card-single wpb_column column_container vc_column_container col child_column left_padding_desktop_30px top_padding_desktop_30px right_padding_desktop_30px bottom_padding_desktop_30px\"   data-border-radius=\"20px\" data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" ><a class=\"column-link\" target=\"_self\" href=\"\/fr\/business-loans-financing\/\"><\/a>\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"img-with-aniamtion-wrap\" data-max-width=\"100%\" data-max-width-mobile=\"default\" data-shadow=\"none\" data-animation=\"none\" >\n      <div class=\"inner\">\n        <div class=\"hover-wrap\"> \n          <div class=\"hover-wrap-inner\">\n            <img class=\"img-with-animation skip-lazy\" data-delay=\"0\" height=\"96\" width=\"96\" data-animation=\"none\" src=\"https:\/\/budgetrates.ca\/wp-content\/uploads\/2023\/04\/Store-96.png\" alt=\"\"  \/>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n<div class=\"wpb_text_column wpb_content_element\" >\n\t<div class=\"wpb_wrapper\">\n\t\t<h5>Business Loans \/ Financing<\/h5>\n<p>&#8220;Are you hoping to you get your new company off the ground? Or to propel your established business to new heights of growth and profitability?<br \/>\nWe can help you secure funding!&#8221;<\/p>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n<\/div><\/div><div id=\"fws_69d262e7a7725\" data-midnight=\"\" data-column-margin=\"30px\" class=\"wpb_row vc_row-fluid vc_row inner_row vc_row-o-equal-height vc_row-flex services-card\"  style=\"padding-top: 20px; \"><div class=\"row-bg-wrap\"> <div class=\"row-bg\" ><\/div> <\/div><div class=\"row_col_wrap_12_inner col span_12  center\">\n\t<div  class=\"vc_col-sm-4 service-card-single wpb_column column_container vc_column_container col child_column left_padding_desktop_30px top_padding_desktop_30px right_padding_desktop_30px bottom_padding_desktop_30px\"   data-border-radius=\"20px\" data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" ><a class=\"column-link\" target=\"_self\" href=\"\/fr\/bad-credit-mortgages\/\"><\/a>\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"img-with-aniamtion-wrap\" data-max-width=\"100%\" data-max-width-mobile=\"default\" data-shadow=\"none\" data-animation=\"none\" >\n      <div class=\"inner\">\n        <div class=\"hover-wrap\"> \n          <div class=\"hover-wrap-inner\">\n            <img class=\"img-with-animation skip-lazy\" data-delay=\"0\" height=\"96\" width=\"96\" data-animation=\"none\" src=\"https:\/\/budgetrates.ca\/wp-content\/uploads\/2023\/04\/Performance-96.png\" alt=\"\"  \/>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n<div class=\"wpb_text_column wpb_content_element\" >\n\t<div class=\"wpb_wrapper\">\n\t\t<h5>Bad Credit Mortgages<\/h5>\n<p>&#8220;Rejected by the Big Banks?<br \/>\nHave you been turned away by your bank, because of poor or bad credit? That doesn&#8217;t mean the end of your home buying journey, and it also shouldn&#8217;t dash your dreams of home ownership.<\/p>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n\n\t<div  class=\"vc_col-sm-4 service-card-single wpb_column column_container vc_column_container col child_column left_padding_desktop_30px top_padding_desktop_30px right_padding_desktop_30px bottom_padding_desktop_30px\"   data-border-radius=\"20px\" data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" ><a class=\"column-link\" target=\"_self\" href=\"\/fr\/borrowed-down-payment\/\"><\/a>\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"img-with-aniamtion-wrap\" data-max-width=\"100%\" data-max-width-mobile=\"default\" data-shadow=\"none\" data-animation=\"none\" >\n      <div class=\"inner\">\n        <div class=\"hover-wrap\"> \n          <div class=\"hover-wrap-inner\">\n            <img class=\"img-with-animation skip-lazy\" data-delay=\"0\" height=\"96\" width=\"96\" data-animation=\"none\" src=\"https:\/\/budgetrates.ca\/wp-content\/uploads\/2023\/04\/Donation-96.png\" alt=\"\"  \/>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n<div class=\"wpb_text_column wpb_content_element\" >\n\t<div class=\"wpb_wrapper\">\n\t\t<h5>Borrowed Down Payment<\/h5>\n<p>&#8220;Don\u2019t have the 5% down payment saved up?<br \/>\nDon&#8217;t worry. We can help you look at options to borrow your down payment.&#8221;<\/p>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n\n\t<div  class=\"vc_col-sm-4 service-card-single wpb_column column_container vc_column_container col child_column left_padding_desktop_30px top_padding_desktop_30px right_padding_desktop_30px bottom_padding_desktop_30px\"   data-border-radius=\"20px\" data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" ><a class=\"column-link\" target=\"_self\" href=\"\/fr\/debt-consolidation\/\"><\/a>\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"img-with-aniamtion-wrap\" data-max-width=\"100%\" data-max-width-mobile=\"default\" data-shadow=\"none\" data-animation=\"none\" >\n      <div class=\"inner\">\n        <div class=\"hover-wrap\"> \n          <div class=\"hover-wrap-inner\">\n            <img class=\"img-with-animation skip-lazy\" data-delay=\"0\" height=\"96\" width=\"96\" data-animation=\"none\" src=\"https:\/\/budgetrates.ca\/wp-content\/uploads\/2023\/04\/Funding-96.png\" alt=\"\"  \/>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n<div class=\"wpb_text_column wpb_content_element\" >\n\t<div class=\"wpb_wrapper\">\n\t\t<h5>Debt Consolidation<\/h5>\n<p>&#8220;Are you struggling with high-interest debt, such as credit cards and personal loans?<br \/>\nAs a homeowner, you can take advantage of your home&#8217;s equity to pay off some or all of your high-interest debts.&#8221;<\/p>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n<\/div><\/div><div id=\"fws_69d262e7a862a\" data-midnight=\"\" data-column-margin=\"30px\" class=\"wpb_row vc_row-fluid vc_row inner_row vc_row-o-equal-height vc_row-flex services-card\"  style=\"padding-top: 20px; \"><div class=\"row-bg-wrap\"> <div class=\"row-bg\" ><\/div> <\/div><div class=\"row_col_wrap_12_inner col span_12  center\">\n\t<div  class=\"vc_col-sm-4 service-card-single wpb_column column_container vc_column_container col child_column left_padding_desktop_30px top_padding_desktop_30px right_padding_desktop_30px bottom_padding_desktop_30px\"   data-border-radius=\"20px\" data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" ><a class=\"column-link\" target=\"_self\" href=\"\/fr\/equity-purchases-refinancing\/\"><\/a>\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"img-with-aniamtion-wrap\" data-max-width=\"100%\" data-max-width-mobile=\"default\" data-shadow=\"none\" data-animation=\"none\" >\n      <div class=\"inner\">\n        <div class=\"hover-wrap\"> \n          <div class=\"hover-wrap-inner\">\n            <img class=\"img-with-animation skip-lazy\" data-delay=\"0\" height=\"96\" width=\"96\" data-animation=\"none\" src=\"https:\/\/budgetrates.ca\/wp-content\/uploads\/2023\/04\/Bill-96.png\" alt=\"\"  \/>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n<div class=\"wpb_text_column wpb_content_element\" >\n\t<div class=\"wpb_wrapper\">\n\t\t<h5>Equity Purchases &amp; Refinancing<\/h5>\n<p>Do you need some money to cover unanticipated expenses? You can borrow money against the equity in your home.<\/p>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n\n\t<div  class=\"vc_col-sm-4 service-card-single wpb_column column_container vc_column_container col child_column left_padding_desktop_30px top_padding_desktop_30px right_padding_desktop_30px bottom_padding_desktop_30px\"   data-border-radius=\"20px\" data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" ><a class=\"column-link\" target=\"_self\" href=\"\/fr\/investment-property-loans\/\"><\/a>\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"img-with-aniamtion-wrap\" data-max-width=\"100%\" data-max-width-mobile=\"default\" data-shadow=\"none\" data-animation=\"none\" >\n      <div class=\"inner\">\n        <div class=\"hover-wrap\"> \n          <div class=\"hover-wrap-inner\">\n            <img class=\"img-with-animation skip-lazy\" data-delay=\"0\" height=\"96\" width=\"96\" data-animation=\"none\" src=\"https:\/\/budgetrates.ca\/wp-content\/uploads\/2023\/04\/Office-96-2.png\" alt=\"\"  \/>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n<div class=\"wpb_text_column wpb_content_element\" >\n\t<div class=\"wpb_wrapper\">\n\t\t<h5>Investment Property Loans<\/h5>\n<p>If you&#8217;re thinking of purchasing or refinancing an investment property, from a single-family residence to a multi-unit building, we can help you work through the details and find the optimal solution for your needs.<\/p>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n\n\t<div  class=\"vc_col-sm-4 service-card-single wpb_column column_container vc_column_container col child_column left_padding_desktop_30px top_padding_desktop_30px right_padding_desktop_30px bottom_padding_desktop_30px\"   data-border-radius=\"20px\" data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" ><a class=\"column-link\" target=\"_self\" href=\"\/fr\/medical-professional-mortgages\/\"><\/a>\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"img-with-aniamtion-wrap\" data-max-width=\"100%\" data-max-width-mobile=\"default\" data-shadow=\"none\" data-animation=\"none\" >\n      <div class=\"inner\">\n        <div class=\"hover-wrap\"> \n          <div class=\"hover-wrap-inner\">\n            <img class=\"img-with-animation skip-lazy\" data-delay=\"0\" height=\"96\" width=\"96\" data-animation=\"none\" src=\"https:\/\/budgetrates.ca\/wp-content\/uploads\/2023\/04\/Caduceus-96.png\" alt=\"\"  \/>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n<div class=\"wpb_text_column wpb_content_element\" >\n\t<div class=\"wpb_wrapper\">\n\t\t<h5>Medical Professional Lending Solutions<\/h5>\n<p>Are you fresh out of medical school?<br \/>\nAre you a resident, a fellow, an existing or newly licensed medical doctor, physician, surgeon, dentist, or licensed medical professional?<br \/>\nWe can help you on your path to home ownership.<\/p>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n<\/div><\/div><div id=\"fws_69d262e7abedb\" data-midnight=\"\" data-column-margin=\"30px\" class=\"wpb_row vc_row-fluid vc_row inner_row vc_row-o-equal-height vc_row-flex services-card\"  style=\"padding-top: 20px; \"><div class=\"row-bg-wrap\"> <div class=\"row-bg\" ><\/div> <\/div><div class=\"row_col_wrap_12_inner col span_12  center\">\n\t<div  class=\"vc_col-sm-4 service-card-single wpb_column column_container vc_column_container col child_column left_padding_desktop_30px top_padding_desktop_30px right_padding_desktop_30px bottom_padding_desktop_30px\"   data-border-radius=\"20px\" data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" ><a class=\"column-link\" target=\"_self\" href=\"\/fr\/new-to-canada-mortgages\/\"><\/a>\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"img-with-aniamtion-wrap\" data-max-width=\"100%\" data-max-width-mobile=\"default\" data-shadow=\"none\" data-animation=\"none\" >\n      <div class=\"inner\">\n        <div class=\"hover-wrap\"> \n          <div class=\"hover-wrap-inner\">\n            <img class=\"img-with-animation skip-lazy\" data-delay=\"0\" height=\"96\" width=\"96\" data-animation=\"none\" src=\"https:\/\/budgetrates.ca\/wp-content\/uploads\/2023\/04\/Leadership-96-1.png\" alt=\"\"  \/>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n<div class=\"wpb_text_column wpb_content_element\" >\n\t<div class=\"wpb_wrapper\">\n\t\t<h5>New to Canada Solutions<\/h5>\n<p>If you&#8217;re a newcomer to Canada and want to buy a house, you can face challenges while you attempt to figure out the requirements for a mortgage. Let us assist you in learning about all the fantastic options at your disposal.<\/p>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n\n\t<div  class=\"vc_col-sm-4 service-card-single wpb_column column_container vc_column_container col child_column left_padding_desktop_30px top_padding_desktop_30px right_padding_desktop_30px bottom_padding_desktop_30px\"   data-border-radius=\"20px\" data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" ><a class=\"column-link\" target=\"_self\" href=\"\/fr\/private-mortgages-custom-solutions\/\"><\/a>\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"img-with-aniamtion-wrap\" data-max-width=\"100%\" data-max-width-mobile=\"default\" data-shadow=\"none\" data-animation=\"none\" >\n      <div class=\"inner\">\n        <div class=\"hover-wrap\"> \n          <div class=\"hover-wrap-inner\">\n            <img class=\"img-with-animation skip-lazy\" data-delay=\"0\" height=\"96\" width=\"96\" data-animation=\"none\" src=\"https:\/\/budgetrates.ca\/wp-content\/uploads\/2023\/04\/Deal-96.png\" alt=\"\"  \/>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n<div class=\"wpb_text_column wpb_content_element\" >\n\t<div class=\"wpb_wrapper\">\n\t\t<h5>Private Lending \/ Custom Solutions<\/h5>\n<p>If your file does not meet the criteria of conventional banks, we can assist by offering a wide selection of private mortgage products that may align with your needs.<\/p>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n\n\t<div  class=\"vc_col-sm-4 service-card-single wpb_column column_container vc_column_container col child_column left_padding_desktop_30px top_padding_desktop_30px right_padding_desktop_30px bottom_padding_desktop_30px\"   data-border-radius=\"20px\" data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" ><a class=\"column-link\" target=\"_self\" href=\"\/fr\/second-mortgages-home-equity-loans\/\"><\/a>\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"img-with-aniamtion-wrap\" data-max-width=\"100%\" data-max-width-mobile=\"default\" data-shadow=\"none\" data-animation=\"none\" >\n      <div class=\"inner\">\n        <div class=\"hover-wrap\"> \n          <div class=\"hover-wrap-inner\">\n            <img class=\"img-with-animation skip-lazy\" data-delay=\"0\" height=\"96\" width=\"96\" data-animation=\"none\" src=\"https:\/\/budgetrates.ca\/wp-content\/uploads\/2023\/04\/Contract-96.png\" alt=\"\"  \/>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n<div class=\"wpb_text_column wpb_content_element\" >\n\t<div class=\"wpb_wrapper\">\n\t\t<h5>Second Mortgages<\/h5>\n<p>&#8220;Do you need money for an upcoming planned or unplanned expense?<br \/>\nIf you already have a mortgage, you might be eligible to apply for a second mortgage to borrow more money against your house.&#8221;<\/p>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n<\/div><\/div><div id=\"fws_69d262e7ad224\" data-midnight=\"\" data-column-margin=\"30px\" class=\"wpb_row vc_row-fluid vc_row inner_row vc_row-o-equal-height vc_row-flex services-card\"  style=\"padding-top: 20px; \"><div class=\"row-bg-wrap\"> <div class=\"row-bg\" ><\/div> <\/div><div class=\"row_col_wrap_12_inner col span_12  center\">\n\t<div  class=\"vc_col-sm-4 service-card-single wpb_column column_container vc_column_container col child_column left_padding_desktop_30px top_padding_desktop_30px right_padding_desktop_30px bottom_padding_desktop_30px\"   data-border-radius=\"20px\" data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" ><a class=\"column-link\" target=\"_self\" href=\"\/fr\/stated-income-mortgage\/\"><\/a>\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"img-with-aniamtion-wrap\" data-max-width=\"100%\" data-max-width-mobile=\"default\" data-shadow=\"none\" data-animation=\"none\" >\n      <div class=\"inner\">\n        <div class=\"hover-wrap\"> \n          <div class=\"hover-wrap-inner\">\n            <img class=\"img-with-animation skip-lazy\" data-delay=\"0\" height=\"96\" width=\"96\" data-animation=\"none\" src=\"https:\/\/budgetrates.ca\/wp-content\/uploads\/2023\/04\/Profit-96.png\" alt=\"\"  \/>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n<div class=\"wpb_text_column wpb_content_element\" >\n\t<div class=\"wpb_wrapper\">\n\t\t<h5>Stated Income Lending<\/h5>\n<p>This is for small business owners and self-employed borrowers hoping to qualify for a mortgage without relying on the standard documentation usually required by traditional lenders.<\/p>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n<\/div><\/div>\n\t\t\t<\/div> \n\t\t<\/div> \n\t<\/div> \n\t\t\t<\/div> \n\t\t<\/div>\n\t<\/div> \n<\/div><\/div>\n\t\t<div id=\"fws_69d262e7aef83\"  data-column-margin=\"default\" data-midnight=\"dark\"  class=\"wpb_row vc_row-fluid vc_row\"  style=\"padding-top: 0px; padding-bottom: 0px; \"><div class=\"row-bg-wrap\" data-bg-animation=\"none\" data-bg-animation-delay=\"\" data-bg-overlay=\"false\"><div class=\"inner-wrap row-bg-layer\" ><div class=\"row-bg viewport-desktop\"  style=\"\"><\/div><\/div><\/div><div class=\"row_col_wrap_12 col span_12 dark left\">\n\t<div style=\"\" class=\"vc_col-sm-12 wpb_column column_container vc_column_container col left_padding_desktop_50px top_padding_desktop_30px right_padding_desktop_50px bottom_padding_desktop_30px\" data-using-bg=\"true\" data-border-radius=\"10px\" data-shadow=\"medium_depth\" data-padding-pos=\"all\" data-has-bg-color=\"true\" data-bg-color=\"#ffffff\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" ><div class=\"column-bg-overlay-wrap column-bg-layer\" data-bg-animation=\"none\"><div class=\"column-bg-overlay\" style=\"opacity: 1; background-color: #ffffff;\"><\/div><\/div>\n\t\t\t<div class=\"wpb_wrapper\">\n\t\t\t\t<div id=\"fws_69d262e7af16c\" data-midnight=\"\" data-column-margin=\"default\" class=\"wpb_row vc_row-fluid vc_row inner_row vc_row-o-equal-height vc_row-flex vc_row-o-content-middle\"  style=\"\"><div class=\"row-bg-wrap\"> <div class=\"row-bg\" ><\/div> <\/div><div class=\"row_col_wrap_12_inner col span_12  left\">\n\t<div style=\" color: #000000;\" class=\"vc_col-sm-8 wpb_column column_container vc_column_container col child_column\" data-cfc=\"true\"  data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t\n<div class=\"wpb_text_column wpb_content_element\" >\n\t<div class=\"wpb_wrapper\">\n\t\t<h5>Have Questions?<\/h5>\n<p>Book a consultation today!<\/p>\n\t<\/div>\n<\/div>\n\n\n\n<div class=\"divider-wrap\" data-alignment=\"default\"><div style=\"height: 20px;\" class=\"divider\"><\/div><\/div>\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n\n\t<div  class=\"vc_col-sm-4 wpb_column column_container vc_column_container col child_column no-extra-padding force-desktop-text-align-right inherit_tablet inherit_phone\"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<a class=\"nectar-button large regular accent-color  regular-button\"  style=\"\"  href=\"#\" data-color-override=\"false\" data-hover-color-override=\"false\" data-hover-text-color-override=\"#fff\"><span>Contact Us<\/span><\/a>\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n<\/div><\/div>\n\t\t\t<\/div> \n\t\t<\/div>\n\t<\/div> \n<\/div><\/div>","protected":false},"excerpt":{"rendered":"Loan Options Finding a great home loan involves careful consideration of your needs, finances and history. We are here to...","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"content-type":"","inline_featured_image":false},"_links":{"self":[{"href":"https:\/\/budgetrates.ca\/fr\/wp-json\/wp\/v2\/pages\/75"}],"collection":[{"href":"https:\/\/budgetrates.ca\/fr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/budgetrates.ca\/fr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/budgetrates.ca\/fr\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/budgetrates.ca\/fr\/wp-json\/wp\/v2\/comments?post=75"}],"version-history":[{"count":112,"href":"https:\/\/budgetrates.ca\/fr\/wp-json\/wp\/v2\/pages\/75\/revisions"}],"predecessor-version":[{"id":743,"href":"https:\/\/budgetrates.ca\/fr\/wp-json\/wp\/v2\/pages\/75\/revisions\/743"}],"wp:attachment":[{"href":"https:\/\/budgetrates.ca\/fr\/wp-json\/wp\/v2\/media?parent=75"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}