{"id":234,"date":"2023-03-28T10:02:00","date_gmt":"2023-03-28T10:02:00","guid":{"rendered":"https:\/\/budgetrates.ca\/?post_type=service&#038;p=234"},"modified":"2023-05-05T03:30:49","modified_gmt":"2023-05-05T03:30:49","slug":"purchase","status":"publish","type":"service","link":"https:\/\/budgetrates.ca\/fr\/service\/purchase\/","title":{"rendered":"Purchase"},"content":{"rendered":"<div id=\"fws_69d2633c4e7b3\"  data-column-margin=\"default\" data-midnight=\"dark\"  class=\"wpb_row vc_row-fluid vc_row  reverse_columns_column_phone\"  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 padding-2-percent inherit_tablet inherit_phone\"  data-padding-pos=\"right\" 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 style=\" color: #000000;\">Congratulations!!<\/h2><\/div>\n<div class=\"wpb_text_column wpb_content_element  wpb_animate_when_almost_visible wpb_fadeInUp fadeInUp\" >\n\t<div class=\"wpb_wrapper\">\n\t\t<p>If you&#8217;re here, you&#8217;re most likely ready to pursue your dream of owning a home.<br \/>\nOur Team at Budget Rates is here to guide you every step of the way, and accompany you as you go through the process.<\/p>\n\t<\/div>\n<\/div>\n\n\n\n<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=\"true\" style=\"font-size: 35px; line-height: 37.8px;\"><h2 style=\" color: #000000;\">1. Consultation<\/h2><\/div>\n<div class=\"wpb_text_column wpb_content_element  wpb_animate_when_almost_visible wpb_fadeInUp fadeInUp\" >\n\t<div class=\"wpb_wrapper\">\n\t\t<p>We&#8217;ll meet with you (virtually, by phone or in person) to discuss your plans.<\/p>\n<p>This will allow us to have a better understanding of:<\/p>\n\t<\/div>\n<\/div>\n\n\n\n<div class=\"nectar-fancy-ul\" data-list-icon=\"icon-salient-thin-line\" data-animation=\"true\" data-animation-delay=\"0\" data-color=\"accent-color\" data-spacing=\"default\" data-alignment=\"left\"> \n<ul>\n<li>your plans<\/li>\n<li>your budget<\/li>\n<li>your timelines<\/li>\n<\/ul>\n <\/div>\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=\"3px\" 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=\"1703\" width=\"2560\" data-animation=\"none\" src=\"https:\/\/budgetrates.ca\/wp-content\/uploads\/2023\/03\/Purchases-1-scaled.jpg\" alt=\"\" srcset=\"https:\/\/budgetrates.ca\/wp-content\/uploads\/2023\/03\/Purchases-1-scaled.jpg 2560w, https:\/\/budgetrates.ca\/wp-content\/uploads\/2023\/03\/Purchases-1-300x200.jpg 300w, https:\/\/budgetrates.ca\/wp-content\/uploads\/2023\/03\/Purchases-1-1024x681.jpg 1024w, https:\/\/budgetrates.ca\/wp-content\/uploads\/2023\/03\/Purchases-1-768x511.jpg 768w, https:\/\/budgetrates.ca\/wp-content\/uploads\/2023\/03\/Purchases-1-1536x1022.jpg 1536w, https:\/\/budgetrates.ca\/wp-content\/uploads\/2023\/03\/Purchases-1-2048x1363.jpg 2048w, https:\/\/budgetrates.ca\/wp-content\/uploads\/2023\/03\/Purchases-1-900x600.jpg 900w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/>\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_69d2633c4f6a9\"  data-column-margin=\"default\" data-midnight=\"dark\"  class=\"wpb_row vc_row-fluid vc_row  reverse_columns_column_phone\"  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-12 wpb_column column_container vc_column_container col padding-2-percent inherit_tablet inherit_phone\"  data-padding-pos=\"right\" 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=\"true\" style=\"font-size: 35px; line-height: 37.8px;\"><h2 style=\" color: #000000;\">2. Lender Criteria<\/h2><\/div><div class=\"nectar-fancy-ul\" data-list-icon=\"icon-salient-thin-line\" data-animation=\"true\" data-animation-delay=\"0\" data-color=\"accent-color\" data-spacing=\"default\" data-alignment=\"left\"> We&#8217;ll discuss the key areas that lenders look at:<\/p>\n<ul>\n<li>your credit score and your financial history, which includes (but is not limited to) car payments, loans, credit card balances, etc.<\/li>\n<li>your income and employment history<\/li>\n<li>your down payment<\/li>\n<\/ul>\n <\/div><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=\"true\" style=\"font-size: 35px; line-height: 37.8px;\"><h2 style=\" color: #000000;\">3. Pre-approval<\/h2><\/div>\n<div class=\"wpb_text_column wpb_content_element  wpb_animate_when_almost_visible wpb_fadeInUp fadeInUp\" >\n\t<div class=\"wpb_wrapper\">\n\t\t<p>After you provide us with all relevant documents required by the lender, you&#8217;ll receive a pre-approval letter from us, which you can present to your real estate agent.<\/p>\n\t<\/div>\n<\/div>\n\n\n\n<div class=\"img-with-aniamtion-wrap\" data-max-width=\"100%\" data-max-width-mobile=\"default\" data-border-radius=\"3px\" 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=\"1707\" width=\"2560\" data-animation=\"none\" src=\"https:\/\/budgetrates.ca\/wp-content\/uploads\/2023\/03\/Purchases-2-scaled.jpg\" alt=\"\" srcset=\"https:\/\/budgetrates.ca\/wp-content\/uploads\/2023\/03\/Purchases-2-scaled.jpg 2560w, https:\/\/budgetrates.ca\/wp-content\/uploads\/2023\/03\/Purchases-2-300x200.jpg 300w, https:\/\/budgetrates.ca\/wp-content\/uploads\/2023\/03\/Purchases-2-1024x683.jpg 1024w, https:\/\/budgetrates.ca\/wp-content\/uploads\/2023\/03\/Purchases-2-768x512.jpg 768w, https:\/\/budgetrates.ca\/wp-content\/uploads\/2023\/03\/Purchases-2-1536x1024.jpg 1536w, https:\/\/budgetrates.ca\/wp-content\/uploads\/2023\/03\/Purchases-2-2048x1365.jpg 2048w, https:\/\/budgetrates.ca\/wp-content\/uploads\/2023\/03\/Purchases-2-900x600.jpg 900w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/>\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_69d2633c4ff44\"  data-column-margin=\"default\" data-midnight=\"dark\" data-bottom-percent=\"2%\"  class=\"wpb_row vc_row-fluid vc_row  zindex-set right_padding_5pct right_padding_phone_0pct\"  style=\"padding-top: 0px; padding-bottom: calc(100vw * 0.02);  z-index: 100;\"><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 using-bg-color\"  style=\"background-color: #ffffff; \"><\/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<div id=\"fws_69d2633c501bc\" data-midnight=\"\" data-column-margin=\"default\" class=\"wpb_row vc_row-fluid vc_row inner_row\"  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  class=\"vc_col-sm-12 wpb_column column_container vc_column_container col child_column 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<div class=\"wpb_wrapper\">\n\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=\"true\" style=\"font-size: 35px; line-height: 37.8px;\"><h2 style=\" color: #000000;\">4. house-shopping<\/h2><\/div>\n<div class=\"wpb_text_column wpb_content_element  wpb_animate_when_almost_visible wpb_fadeInUp fadeInUp\" >\n\t<div class=\"wpb_wrapper\">\n\t\t<p>Go <strong>house-shopping<\/strong> with your real estate agent!<\/p>\n\t<\/div>\n<\/div>\n\n\n\n<div class=\"nectar-fancy-ul\" data-list-icon=\"icon-salient-thin-line\" data-animation=\"true\" data-animation-delay=\"0\" data-color=\"accent-color\" data-spacing=\"default\" data-alignment=\"left\"> Your real estate agent will work with you to:<\/p>\n<ul>\n<li>determine the specifics of the property you are looking for:\n<div class=\"sub-list\">\n<div>\u2022&nbsp;&nbsp;price<\/div>\n<div>\u2022&nbsp;&nbsp;type (condo, single-family residence, townhouse, duplex, etc.) <\/div>\n<div>\u2022&nbsp;&nbsp;area<\/div>\n<div>\u2022&nbsp;&nbsp;required amenities, etc.<\/div>\n<\/div>\n<\/li>\n<li>visit properties in order to find suitable options that meet your requirements<\/li>\n<li>submit offers and negotiate (if necessary) until a mutual agreement is met with a seller<\/li>\n<li>provide us with all necessary documentation related to the property (accepted Purchase offer, MLS listing, etc.)<\/li>\n<\/ul>\n <\/div><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=\"true\" style=\"font-size: 35px; line-height: 37.8px;\"><h2 style=\" color: #000000;\">5. Optimal Lending solution<\/h2><\/div><div class=\"nectar-fancy-ul\" data-list-icon=\"icon-salient-thin-line\" data-animation=\"true\" data-animation-delay=\"0\" data-color=\"accent-color\" data-spacing=\"default\" data-alignment=\"left\"> We look at the big picture, taking all factors into consideration, and craft the optimal lending solution for you.<\/p>\n<p>Some key areas are:<\/p>\n<ul>\n<li>rate type: fixed? variable?<\/li>\n<li>lender: conventional? alternative? Private?<\/li>\n<li>amortization period: 20 years? 25 years? 30 years?<\/li>\n<\/ul>\n<p>and more&#8230;<\/p>\n<p>During this process, we remain mindful of:<\/p>\n<ul>\n<li>your plans<\/li>\n<li>your budget<\/li>\n<li>your timelines<\/li>\n<\/ul>\n <\/div><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=\"true\" style=\"font-size: 35px; line-height: 37.8px;\"><h2 style=\" color: #000000;\">6. Lender requirements<\/h2><\/div><div class=\"nectar-fancy-ul\" data-list-icon=\"icon-salient-thin-line\" data-animation=\"true\" data-animation-delay=\"0\" data-color=\"accent-color\" data-spacing=\"default\" data-alignment=\"left\"> Along with your real estate agent, we will work with you to complete all the steps required by your lender, including (but not limited to):<\/p>\n<ul>\n<li>Home appraisal<\/li>\n<li>Home inspection, etc.<\/li>\n<\/ul>\n <\/div><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=\"true\" style=\"font-size: 35px; line-height: 37.8px;\"><h2 style=\" color: #000000;\">7. Close<\/h2><\/div>\n<div class=\"wpb_text_column wpb_content_element  wpb_animate_when_almost_visible wpb_fadeInUp fadeInUp\" >\n\t<div class=\"wpb_wrapper\">\n\t\t<p>Close, and receive the keys to your new home!<\/p>\n<p>Don&#8217;t delay!<br \/>\nContact us today to start the process. We&#8217;d be happy to answer any questions you may have.<br \/>\nYour dream home is waiting!<\/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<\/div><\/div>\n\t\t<div id=\"fws_69d2633c508fe\"  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  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\t<div id=\"fws_69d2633c50d36\"  data-column-margin=\"default\" data-midnight=\"light\" data-top-percent=\"3%\" data-bottom-percent=\"3%\"  class=\"wpb_row vc_row-fluid vc_row full-width-section vc_row-o-equal-height vc_row-flex  bottom_margin_-25px\"  style=\"padding-top: calc(100vw * 0.03); padding-bottom: calc(100vw * 0.03); \"><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 using-bg-color\"  style=\"background-color: #000000; \"><\/div><\/div><\/div><div class=\"row_col_wrap_12 col span_12 light left\">\n\t<div  class=\"vc_col-sm-4 wpb_column column_container vc_column_container col no-extra-padding force-tablet-text-align-center force-phone-text-align-center 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<div class=\"wpb_text_column wpb_content_element\" >\n\t<div class=\"wpb_wrapper\">\n\t\t<h6>Call us at:<\/h6>\n<p><a href=\"tel:4505007738\">(450) 500-PRET<\/a><br \/>\n<a href=\"tel:4505007738\">(450) 500-7738<\/a><\/p>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t\t<\/div> \n\t\t<\/div>\n\t<\/div> \n\n\t<div  class=\"vc_col-sm-4 wpb_column column_container vc_column_container col no-extra-padding force-tablet-text-align-center force-phone-text-align-center 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<div class=\"wpb_text_column wpb_content_element\" >\n\t<div class=\"wpb_wrapper\">\n\t\t<h6>Toll-free<\/h6>\n<p><a href=\"tel:8448283438\">(844) 8-BUDGET<\/a><br \/>\n<a href=\"tel:8448283438\">(844) 828-3438<\/a><\/p>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t\t<\/div> \n\t\t<\/div>\n\t<\/div> \n\n\t<div  class=\"vc_col-sm-4 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<div class=\"wpb_text_column wpb_content_element\" >\n\t<div class=\"wpb_wrapper\">\n\t\t<h6>Email us at:<\/h6>\n<p><a href=\"mailto:info@budgetrates.ca\">info@budgetrates.ca<\/a><\/p>\n\t<\/div>\n<\/div>\n\n\n\n<a class=\"nectar-button large regular accent-color has-icon  wpb_animate_when_almost_visible wpb_fadeInUp fadeInUp regular-button\"  style=\"\"  href=\"#\" data-color-override=\"false\" data-hover-color-override=\"false\" data-hover-text-color-override=\"#fff\"><span>Book a 1:1 call with us here<\/span><i  class=\"fa fa-calendar-plus-o\"><\/i><\/a>\n\t\t\t<\/div> \n\t\t<\/div>\n\t<\/div> \n<\/div><\/div>\n\n\t\t\t<\/div> \n\t\t<\/div>\n\t<\/div> \n<\/div><\/div>","protected":false},"template":"","categories":[4],"_links":{"self":[{"href":"https:\/\/budgetrates.ca\/fr\/wp-json\/wp\/v2\/service\/234"}],"collection":[{"href":"https:\/\/budgetrates.ca\/fr\/wp-json\/wp\/v2\/service"}],"about":[{"href":"https:\/\/budgetrates.ca\/fr\/wp-json\/wp\/v2\/types\/service"}],"wp:attachment":[{"href":"https:\/\/budgetrates.ca\/fr\/wp-json\/wp\/v2\/media?parent=234"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/budgetrates.ca\/fr\/wp-json\/wp\/v2\/categories?post=234"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}