{"id":2073,"date":"2025-08-28T17:22:41","date_gmt":"2025-08-28T17:22:41","guid":{"rendered":"https:\/\/alpfinance.ca\/?page_id=2073"},"modified":"2025-12-11T15:03:57","modified_gmt":"2025-12-11T15:03:57","slug":"mortgage-pre-approvals","status":"publish","type":"page","link":"https:\/\/alpfinance.ca\/en\/mortgage-pre-approvals\/","title":{"rendered":"Mortgage Pre-Approvals"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2073\" class=\"elementor elementor-2073 elementor-310\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-df55141 page-header e-flex e-con-boxed e-con e-parent\" data-id=\"df55141\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;position&quot;:&quot;fixed&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-c34399e e-con-full e-flex e-con e-child\" data-id=\"c34399e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-52bf869 e-con-full e-flex e-con e-child\" data-id=\"52bf869\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-32159b4 elementor-widget elementor-widget-heading\" data-id=\"32159b4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Mortgage Pre-Approvals<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-94ecd22 page-first-block e-flex e-con-boxed e-con e-parent\" data-id=\"94ecd22\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3ec1383 e-con-full e-flex e-con e-child\" data-id=\"3ec1383\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b4ed283 elementor-widget elementor-widget-text-editor\" data-id=\"b4ed283\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h3 style=\"text-align: center; margin-bottom: 0;\">Buy your home with confidence<\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a280645 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"a280645\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Getting a mortgage pre-approval is a key step before starting your property search. It allows you to know in advance how much you can borrow, what interest rate you qualify for, and what your real purchasing power is based on your financial situation. This helps you shop for your future home with clarity and confidence.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-981ef11 e-con-full e-flex e-con e-child\" data-id=\"981ef11\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-2651183 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"2651183\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;bounceInLeft&quot;,&quot;animation_mobile&quot;:&quot;bounceIn&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-670331b elementor-widget elementor-widget-image\" data-id=\"670331b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/alpfinance.ca\/wp-content\/uploads\/2025\/09\/preapprobations_hypothecaire_01-scaled-1-1024x683.jpg\" class=\"attachment-large size-large wp-image-2076\" alt=\"\" srcset=\"https:\/\/alpfinance.ca\/wp-content\/uploads\/2025\/09\/preapprobations_hypothecaire_01-scaled-1-1024x683.jpg 1024w, https:\/\/alpfinance.ca\/wp-content\/uploads\/2025\/09\/preapprobations_hypothecaire_01-scaled-1-300x200.jpg 300w, https:\/\/alpfinance.ca\/wp-content\/uploads\/2025\/09\/preapprobations_hypothecaire_01-scaled-1-768x512.jpg 768w, https:\/\/alpfinance.ca\/wp-content\/uploads\/2025\/09\/preapprobations_hypothecaire_01-scaled-1-1536x1025.jpg 1536w, https:\/\/alpfinance.ca\/wp-content\/uploads\/2025\/09\/preapprobations_hypothecaire_01-scaled-1-2048x1366.jpg 2048w, https:\/\/alpfinance.ca\/wp-content\/uploads\/2025\/09\/preapprobations_hypothecaire_01-scaled-1-450x300.jpg 450w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6db3b65 e-con-full alp-title-spacing e-flex e-con e-child\" data-id=\"6db3b65\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5839e6a elementor-widget elementor-widget-text-editor\" data-id=\"5839e6a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default elementor-inline-editing pen\" style=\"font-weight: 400;\" contenteditable=\"true\" data-elementor-setting-key=\"title\" data-pen-placeholder=\"\u00c9crivez ici...\">What is a mortgage pre-approval?<\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-00cf266 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"00cf266\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A mortgage pre-approval is a conditional commitment from a lender based on an analysis of your income, credit history, and debt ratio. It is not yet a formal mortgage, but it confirms that you qualify for financing up to a certain amount.<\/p><p>A pre-approval allows you to:<\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\">Get a clear budget before visiting properties<\/li><li style=\"font-weight: 400;\" aria-level=\"1\">Compare offers and rates from different lenders<\/li><li style=\"font-weight: 400;\" aria-level=\"1\">Lock in an interest rate for a specific period, usually between 90 and 120 days<\/li><li style=\"font-weight: 400;\" aria-level=\"1\">Strengthen your position when negotiating with sellers<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e7105c6 elementor-widget elementor-widget-button\" data-id=\"e7105c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/en\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Talk to an advisor<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-db8a6d0 e-con-full e-flex e-con e-child\" data-id=\"db8a6d0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;none&quot;,&quot;animation_mobile&quot;:&quot;none&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-8cc678a e-con-full e-flex e-con e-child\" data-id=\"8cc678a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a36225e alp-title elementor-widget elementor-widget-text-editor\" data-id=\"a36225e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2 style=\"margin-bottom: 35px;\">What happens after the pre-approval<\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-52dd64f elementor-widget elementor-widget-text-editor\" data-id=\"52dd64f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Once you have your pre-approval and have chosen a property, your file moves to the next stage: finalizing your mortgage. The lender then completes the full verification of the transaction, including the property appraisal and the review of all required documents before signing. This process ensures that you can complete your purchase more quickly and with greater peace of mind.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a38516a e-con-full mbzero   e-flex elementor-invisible e-con e-child\" data-id=\"a38516a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;,&quot;animation_mobile&quot;:&quot;fadeIn&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-27395fa e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"27395fa\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInRight&quot;,&quot;animation_mobile&quot;:&quot;fadeIn&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3bc78d7 elementor-widget elementor-widget-heading\" data-id=\"3bc78d7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">The advantages of a mortgage pre-approval<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-441356b elementor-widget elementor-widget-text-editor\" data-id=\"441356b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Budget clarity<\/strong>: you know exactly how much you can invest without exceeding your limits.<\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Negotiation power<\/strong>: sellers take your offer more seriously.<\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Protection against rate increases<\/strong>: your interest rate is locked in for several weeks.<\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Peace of mind<\/strong>: you avoid last-minute surprises when finalizing your purchase.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9c434fc e-con-full e-flex e-con e-child\" data-id=\"9c434fc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-538a631 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"538a631\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;,&quot;animation_mobile&quot;:&quot;fadeIn&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bbddb2e elementor-widget elementor-widget-image\" data-id=\"bbddb2e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"684\" src=\"https:\/\/alpfinance.ca\/wp-content\/uploads\/2025\/09\/hypotheque_construction_02-1-1024x684.jpg\" class=\"attachment-large size-large wp-image-2067\" alt=\"\" srcset=\"https:\/\/alpfinance.ca\/wp-content\/uploads\/2025\/09\/hypotheque_construction_02-1-1024x684.jpg 1024w, https:\/\/alpfinance.ca\/wp-content\/uploads\/2025\/09\/hypotheque_construction_02-1-300x200.jpg 300w, https:\/\/alpfinance.ca\/wp-content\/uploads\/2025\/09\/hypotheque_construction_02-1-768x513.jpg 768w, https:\/\/alpfinance.ca\/wp-content\/uploads\/2025\/09\/hypotheque_construction_02-1-1536x1025.jpg 1536w, https:\/\/alpfinance.ca\/wp-content\/uploads\/2025\/09\/hypotheque_construction_02-1-449x300.jpg 449w, https:\/\/alpfinance.ca\/wp-content\/uploads\/2025\/09\/hypotheque_construction_02-1.jpg 2000w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bfcf02a e-con-full alp-title-spacing animated-fast e-flex elementor-invisible e-con e-child\" data-id=\"bfcf02a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;,&quot;animation_mobile&quot;:&quot;zoomIn&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-66cf54c elementor-widget elementor-widget-text-editor\" data-id=\"66cf54c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default elementor-inline-editing pen\" style=\"font-weight: 400;\" contenteditable=\"true\" data-elementor-setting-key=\"title\" data-pen-placeholder=\"\u00c9crivez ici...\">Why get your pre-approval with our team<\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-708c2d5 elementor-widget__width-initial mbzero elementor-widget elementor-widget-text-editor\" data-id=\"708c2d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Our mortgage experts guide you every step of the way through your home-buying journey. We analyze your financial situation, compare offers from multiple lenders, and help you obtain the best possible terms for your future mortgage.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d920212 elementor-widget elementor-widget-button\" data-id=\"d920212\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/en\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get your pre-approval today<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Buy your home with confidence Getting a mortgage pre-approval is a key step before starting your property search. It allows you to know in advance how much you can borrow, what interest rate you qualify for, and what your real purchasing power is based on your financial situation. This helps you shop for your future [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-2073","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/alpfinance.ca\/en\/wp-json\/wp\/v2\/pages\/2073","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/alpfinance.ca\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/alpfinance.ca\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/alpfinance.ca\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/alpfinance.ca\/en\/wp-json\/wp\/v2\/comments?post=2073"}],"version-history":[{"count":13,"href":"https:\/\/alpfinance.ca\/en\/wp-json\/wp\/v2\/pages\/2073\/revisions"}],"predecessor-version":[{"id":3048,"href":"https:\/\/alpfinance.ca\/en\/wp-json\/wp\/v2\/pages\/2073\/revisions\/3048"}],"wp:attachment":[{"href":"https:\/\/alpfinance.ca\/en\/wp-json\/wp\/v2\/media?parent=2073"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}