[vc_row bg_black_row=”” css=”.vc_custom_1642428057796{margin-top: 80px !important;}”][vc_column css=”.vc_custom_1642163829561{padding-top: 0px !important;}”][vc_custom_heading text=”Mortgage Services Offered” font_container=”tag:h2|font_size:40px|text_align:center|color:%23161616|line_height:1.1″ google_fonts=”font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal” cms_custom_headding_type=”heading-default-blue” cms_custom_text_headding=”inherit”][vc_custom_heading text=”HELPING YOU PURSUE YOUR PROJECTS.” font_container=”tag:h2|font_size:22px|text_align:center|color:%236bbd45″ google_fonts=”font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal” cms_custom_headding_type=”heading-default-black”][vc_separator color=”custom” border_width=”2″ el_width=”10″ accent_color=”#6bbd45″ css=”.vc_custom_1642163815089{margin-top: 21px !important;margin-bottom: 48px !important;}”][vc_row_inner css=”.vc_custom_1642163710543{margin-bottom: 80px !important;}”][vc_column_inner width=”1\/3″][vc_cta h2=”Get your mortgage pre-qualification instantly” txt_align=”center” color=”white” add_button=”bottom” btn_title=”” btn_color=”default” btn_align=”center” add_icon=”top” i_icon_fontawesome=”fab fa-gg” i_color=”custom” btn_custom_onclick=”true” btn_link=”url:https%3A%2F%2Fapply.mortgageboss.ca%2FMAC%2FJosianeDuchesneau%3Ftab%3DmortgageInfo|target:_blank|” css=”.vc_custom_1780670240709{padding-top: 40px !important;padding-right: 15px !important;padding-bottom: 30px !important;padding-left: 15px !important;background-image: url(https:\/\/hypothequegatineau.ca\/wp-content\/uploads\/2022\/03\/get-your-mortgage-pre-qualification-instantly.jpg?id=3076) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;border-radius: 10px !important;}” i_custom_color=”#ffffff” el_class=”services-box”][\/vc_cta][\/vc_column_inner][vc_column_inner el_class=”mob-space” width=”1\/3″][vc_cta h2=”Our mortgage
\ncalculators” txt_align=”center” color=”white” add_button=”bottom” btn_title=”” btn_color=”default” btn_align=”center” add_icon=”top” i_icon_fontawesome=”fab fa-gg” i_color=”custom” btn_custom_onclick=”true” btn_link=”url:https%3A%2F%2Fhypothequegatineau.ca%2Fen%2F%23calculatrice” css=”.vc_custom_1780670227983{padding-top: 40px !important;padding-right: 15px !important;padding-bottom: 30px !important;padding-left: 15px !important;background-image: url(https:\/\/hypothequegatineau.ca\/wp-content\/uploads\/2016\/05\/img3.jpg?id=1417) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;border-radius: 10px !important;}” i_custom_color=”#ffffff” el_class=”services-box”][\/vc_cta][\/vc_column_inner][vc_column_inner width=”1\/3″][vc_cta h2=”Simplified Online
\nApplication” txt_align=”center” color=”white” add_button=”bottom” btn_title=”” btn_color=”default” btn_align=”center” add_icon=”top” i_icon_fontawesome=”fab fa-gg” i_color=”custom” btn_custom_onclick=”true” btn_link=”url:https%3A%2F%2Fhypothequegatineau.ca%2Fen%2Fonline-application%2F” css=”.vc_custom_1780670167736{padding-top: 40px !important;padding-right: 15px !important;padding-bottom: 30px !important;padding-left: 15px !important;background-image: url(https:\/\/hypothequegatineau.ca\/wp-content\/uploads\/2016\/05\/Demande-en-ligne-2-1.jpg?id=1660) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;border-radius: 10px !important;}” i_custom_color=”#ffffff” el_class=”services-box”][\/vc_cta][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=”stretch_row” bg_black_row=”” css=”.vc_custom_1642150505155{padding-top: 90px !important;padding-bottom: 0px !important;background-color: #f5f5f5 !important;}”][vc_column column_absolute=”” css=”.vc_custom_1468567825544{padding-top: 0px !important;}”][vc_custom_heading text=”Mortgage Services” font_container=”tag:h2|font_size:40px|text_align:center|color:%230f1923|line_height:1.1″ google_fonts=”font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal” cms_custom_headding_type=”heading-default-blue” cms_custom_text_headding=”inherit”][vc_custom_heading text=”TAILORED TO YOUR SITUATION” font_container=”tag:h2|text_align:center|color:%236bbd45″ google_fonts=”font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal”][vc_separator color=”custom” border_width=”2″ el_width=”10″ accent_color=”#6bbd45″ css=”.vc_custom_1642151365246{margin-top: 21px !important;margin-bottom: 15px !important;}”][\/vc_column][\/vc_row][vc_row full_width=”stretch_row” bg_black_row=”” css=”.vc_custom_1642150491425{padding-top: 40px !important;padding-bottom: 70px !important;background-color: #f5f5f5 !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}”][vc_column width=”1\/2″ column_absolute=”” css=”.vc_custom_1469008027028{margin-bottom: 0px !important;padding-top: 0px !important;}”][vc_tta_accordion spacing=”15″ gap=”10″ c_position=”right” active_section=”1″ el_class=”accordian-box”][vc_tta_section title=”Mortgage Pre-Approval” tab_id=”1500590046396-8534566c-6d6f”][vc_column_text]Mortgage pre-approval is an important step in your purchase process. Whether you\u2019re a first-time buyer or you want to acquire a second property or an income property, it gives you the maximum amount of your borrowing capacity. You will save both time and money. You will be able to secure the same interest rate, even if the market changes during your hunt for the perfect home. Further, this will make negotiating easier when completing the offer to buy.[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”Purchase\/Purchase and Renovation” tab_id=”1500590046397-bb3df861-92f5″][vc_column_text]When you purchase a home, it\u2019s important to check all the details before finalizing your financing process. You need to look beyond the interest rate alone. You may be eligible for government incentives for a home with a recognized eco-certification or a loan insurance premium refund for a house purchase with a down payment of less than 20%.<\/p>\n
In the current market, it is likely that the best course of action is to make renovations straight away. There may be changes to your financial situation and you may need flexibility from your financial institution. Making biweekly or weekly payments does not necessarily mean that you will pay off your mortgage faster. Since you become the owner of your property, you may also want to take charge of your mortgage.[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”Home Equity Line of Credit” tab_id=”1500590046395-b9ddd6ff-f8c2″][vc_column_text]A home equity line of credit is a good solution for those who wish to take advantage of its benefits. There are different kinds of lines of credit in the Canadian mortgage market. To qualify for these types of mortgage products, having a good credit history is key. If your credit history is not the best, we can work it out together. For example, we could offer a very flexible program that could even let you become your own banker. Are you ready to give yourself more bang for your buck?[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”Self-employment” tab_id=”1500590046397-efea8e72-9217″][vc_column_text]Being self-employed has many special features, especially when it comes to buying a property. Depending on how you declare your income, there are several elements to consider in your application, whether you are a commission salesperson, a contractor or a business owner. The self-employed individual represents a different risk for each financial institution. Naturally, there are mortgage programs designed specifically for you.[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”Military Mortgage” tab_id=”1501172048467-2885aee9-6f1d”][vc_column_text]Military personnel are a valued customer base for financial institutions. Many have dedicated programs for them as the risk of being deployed in this sector is higher. It is possible to transfer your mortgage, with no indemnity, even outside Quebec. Flexibility in payment frequency, self-build loans, land purchase and bridge loans are available. In some cases, a rate buyback is offered. The benefits to the military personnel are manifold. Serving one\u2019s country has never had so many financial benefits.[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”Debt Consolidation” tab_id=”1500590046398-9ac60b6b-e4b3″][vc_column_text]Because life often doesn\u2019t give us the easiest challenges to face. Have you had to leave your job? Did you get separated from your spouse? Have your family or friends suffered from illness? You lost a loved one? Or perhaps your home has suffered costly damage?
\nWhatever you\u2019ve been through, we know it\u2019s not always easy to navigate the path to get back on your feet. Especially when it comes to our finances, no one really likes to talk about their problems. Can you imagine having to approach several financial institutions to find the one that will help you based on your best interests? A mortgage broker\u2019s job is to save you time and money, but more importantly, to relieve you of a major burden and help you with the process.[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”Alternative Loan” tab_id=”1500590046400-5f02eb6c-aecd”][vc_column_text]Alternative lending is a mortgage product that is sometimes overlooked. Of course, this type of loan is not for everyone, but it may be the right fit for you. It is a TEMPORARY solution intended to get you right back to a traditional loan as quickly as possible. The alternative loan is what we call a plan B. It is the solution for many self-employed people who do not report all their income, or it is a refinancing option for those whose credit score is not at its best. The alternative loan is right for you if you own a business that has a good bottom line, but the income you report is less than the income you receive.[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”Private Loan” tab_id=”1501171873807-1e8eb611-7799″][vc_column_text]A private loan is typically a last resort when it comes to mortgages. Although criticized, it is nonetheless available to you when you need it. It is intended to help you in a time of need. You have received a 60-day notice regarding your property or buildings. You are going through a divorce and must settle the house buyout from your ex-spouse and you do not have access to traditional refinancing. Life is sometimes full of obstacles and challenging situations. Don\u2019t lose the equity you gained on your property: consider the options available to you. Don\u2019t let tax issues stop you from moving forward with future growth plans. Develop a strategy. A private loan may be unusual, but it sure is intended for out-of-the-ordinary situations, which are, after all, part of life.[\/vc_column_text][\/vc_tta_section][\/vc_tta_accordion][\/vc_column][vc_column width=”1\/2″ css=”.vc_custom_1500589111679{padding-top: 0px !important;padding-bottom: 0px !important;}”][vc_tta_accordion spacing=”15″ gap=”10″ c_position=”right” active_section=”1″ el_class=”accordian-box”][vc_tta_section title=”Refinancing” tab_id=”1500590046403-7669e064-b2f7″][vc_column_text]Are you planning to use the equity in your property to make your plans a reality? This can be an interesting strategy to save money. With refinancing, you can consolidate your debts, reduce your monthly payments, finance your children\u2019s education or your own, get the cash you need for a new acquisition or simply make a dream come true or travel. Some financial institutions may offer up to 35 years of amortization.[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”Renewal or transfer” tab_id=”1500590046403-fc466acc-48bd”][vc_column_text]When your mortgage term ends, it\u2019s important to re-examine your mortgage options. Your home payment is usually amortized over 25 years. During that period, laws may change, as well as your goals and your financial situation. Treat yourself to the best mortgage at every renewal. You have a lot to gain![\/vc_column_text][\/vc_tta_section][vc_tta_section title=”Multi-Unit Housing” tab_id=”1500590046402-74461aa0-2d72″][vc_column_text]You want to acquire an income property or you already own one. Qualification calculations for income properties differ from one financial institution to the next. Considering your financial situation and your purchase, it is important for you to find the institution that will give you the most flexibility. After all, you are an investor who wants to have sufficient leeway to carry out and develop your projects as you see fit.[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”Newcomers to Canada” tab_id=”1500590046404-cfef8c3a-2c3d”][vc_column_text]Newcomers to Canada have access to mortgage programs that are specifically designed to make home ownership more accessible to them. Becoming a homeowner is an important goal in the lives of many. Newcomers face many problems when they arrive in Canada because our system of rules and laws surrounding mortgages is different.<\/p>\n
Canada has programs that allow you to purchase with as little as 5% down payment. There are criteria to consider such as obtaining Canadian citizenship, landed immigrant confirmation or a study permit for higher education. Each financial institution has unique flexibility and risk management requirements for the newcomer program. So it\u2019s crucial to choose the financial institution that provides you with the best program for buying your new home.[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”Spousal Mortgage Buyout” tab_id=”1501171743937-ea0cd7ce-a4ee”][vc_column_text]Spousal mortgage buyout is becoming increasingly common. It is the preferred product for people going through a divorce, with one person wanting to buy the other\u2019s share of the house in order to become the sole owner of the house. You will want to find the right solution for your mortgage buyout, based on your situation. The mortgage buyout can be regarded as a purchase. Loan insurers provide different types of programs with flexible solutions.[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”Equity Loan” tab_id=”1501171725615-a6426689-55f6″][vc_column_text]An equity loan is ideal for homeowners with no remaining payments or a small mortgage balance. It provides you with additional cash flow. You can also buy a home with an equity loan with at least 35% down payment. This flexible mortgage product allows you, under certain circumstances, to secure your mortgage even if your debt ratios do not meet the basic rule. Some conditions apply. It remains very interesting if this is your situation.[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”Credit Issues” tab_id=”1500590046405-cdf29629-7f76″][vc_column_text]Life\u2019s trials and tribulations haven\u2019t always had the best impact on your financial health, but you\u2019ve had a steady job for a few years now? Do you have trouble accessing property because of past events or do you feel you are not able to shop around to find the best renewal option for you?<\/p>\n
Remember that if you are in a situation where you need to improve your credit, there are several strategies that can be put in place to help you get back on track and improve your credit score efficiently. A sound mortgage strategy can save you money and allow you to jump-start or continue your projects into the future.[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”Reverse Mortgage” tab_id=”1500590046406-a0a3ede2-135c”][vc_column_text]This mortgage option is aimed primarily at people aged 55 and over. As the name implies, it is the opposite of a mortgage. A mortgage is a loan issued against real estate collateral, with the loan being repaid with interest. Until such time as the loan is paid in full, a guarantee is issued by the mortgage holder in case of default. <\/p>\n What is PASSIVE income?<\/strong><\/p>\n [\/vc_column_text][vc_btn title=”Read More” style=”transparent-readmore” shape=”square” link=”url:https%3A%2F%2Fhypothequegatineau.ca%2Fen%2Finvesting-in-real-estate%2F|”][\/vc_column][\/vc_row][vc_row full_width=”stretch_row” bg_black_row=”” el_id=”latest-new” css=”.vc_custom_1642176853351{padding-top: 70px !important;padding-bottom: 70px !important;}” el_class=”partner-row”][vc_column column_absolute=”” css=”.vc_custom_1468567825544{padding-top: 0px !important;}”][vc_custom_heading text=”More than 20 business partners in Quebec!” font_container=”tag:h2|font_size:40px|text_align:center|color:%23ffffff|line_height:1.1″ google_fonts=”font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal” cms_custom_headding_type=”heading-default-blue” cms_custom_text_headding=”inherit”][vc_custom_heading text=”A Broker Has The Freedom To Pick The Best Mortgage Rates For You.” font_container=”tag:h2|text_align:center|color:%23161616″ google_fonts=”font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal”][vc_custom_heading text=”” font_container=”tag:h2|text_align:center|color:%230f1923″ use_theme_fonts=”yes”][vc_separator color=”custom” border_width=”2″ el_width=”10″ accent_color=”#0f1923″ css=”.vc_custom_1646472691194{margin-top: 21px !important;margin-bottom: 15px !important;}”][vc_column_text]
\nWith a reverse mortgage, you are loaned money against the equity you have earned with your property, without having to make a payment. When you move out of your home and sell your house, you pay off your mortgage. This mortgage product is designed for an aging population, as the government pension plan does not always help people who want to continue to live adequately at home.[\/vc_column_text][\/vc_tta_section][\/vc_tta_accordion][\/vc_column][\/vc_row][vc_row full_width=”stretch_row” bg_black_row=”” el_class=”legoogle” css=”.vc_custom_1642172488721{padding-top: 80px !important;padding-bottom: 80px !important;}”][vc_column width=”1\/2″ column_absolute=”” css=”.vc_custom_1646895599384{padding-top: 0px !important;}” offset=”vc_col-lg-4 vc_col-md-4″][vc_single_image image=”3295″ img_size=”600×400″ el_class=”box-3-img” css=”.vc_custom_1649253066140{margin-bottom: 0px !important;}”][vc_cta h2=”MORTGAGE CALCULATOR” txt_align=”center” add_button=”bottom” btn_title=”SEE CALCULATOR” btn_color=”default” btn_align=”center” add_icon=”top” i_icon_fontawesome=”fas fa-calculator” i_color=”white” i_background_style=”rounded-less” i_background_color=”custom” i_custom_background_color=”#6bbd45″ el_class=”box-3-design” btn_link=”url:https%3A%2F%2Fhypothequegatineau.ca%2Fen%2F%23calculatrice|”]Calculate your
\nmortgage payments[\/vc_cta][\/vc_column][vc_column width=”1\/2″ css=”.vc_custom_1646895608257{padding-top: 0px !important;}” offset=”vc_col-lg-4 vc_col-md-4″][vc_single_image image=”3299″ img_size=”600×400″ el_class=”box-3-img” css=”.vc_custom_1649253080564{margin-bottom: 0px !important;}”][vc_cta h2=”PRE-QUALIFY ONLINE” txt_align=”center” add_button=”bottom” btn_title=”APPLICATION UNDER 60 SECONDS” btn_color=”default” btn_align=”center” add_icon=”top” i_icon_fontawesome=”fas fa-home” i_color=”white” i_background_style=”rounded-less” i_background_color=”custom” i_custom_background_color=”#6bbd45″ el_class=”box-3-design box-3-design-middle” btn_link=”url:https%3A%2F%2Fwww.multi-prets.com%2Fen%2Fmortgage-broker-josiane-duchesneau%2Fget-prequalified-now%2F|”]For all residential and commercial mortgage applications[\/vc_cta][\/vc_column][vc_column width=”1\/2″ column_absolute=”” css=”.vc_custom_1646895616349{padding-top: 0px !important;}” offset=”vc_col-lg-4 vc_col-md-4″][vc_single_image image=”3297″ img_size=”600×400″ el_class=”box-3-img” css=”.vc_custom_1649253093793{margin-bottom: 0px !important;}”][vc_cta h2=”CONTACT ME” txt_align=”center” add_button=”bottom” btn_title=”CONTACT ME” btn_color=”default” btn_align=”center” add_icon=”top” i_icon_fontawesome=”fas fa-mobile-alt” i_color=”white” i_background_style=”rounded-less” i_background_color=”custom” i_custom_background_color=”#6bbd45″ el_class=”box-3-design” btn_link=”url:https%3A%2F%2Fhypothequegatineau.ca%2Fen%2Fcontact-me%2F|title:CONTACT%20ME|”]Phone: (819) 921-2699
\nEmail: info@jduchesneau.ca<\/a>[\/vc_cta][\/vc_column][\/vc_row][vc_row full_width=”stretch_row” bg_black_row=”” css=”.vc_custom_1646721184268{padding-top: 120px !important;padding-bottom: 120px !important;background-image: url(https:\/\/hypothequegatineau.ca\/wp-content\/uploads\/2022\/03\/counter-bg.jpeg?id=3073) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}” el_class=”overlay-section”][vc_column width=”1\/4″ column_absolute=”” css=”.vc_custom_1642174056583{padding-top: 0px !important;}”][cms_counter_single content_align=”center” digit=”65000″ class=”counter-box” title=”” cms_template=”cms_counter_single.php” c_title=”Over 65,000 Satisfied Customers Across Canada in 2015, and 15,000 in Quebec” image=”543″][\/vc_column][vc_column width=”1\/4″ css=”.vc_custom_1642174062769{padding-top: 0px !important;}”][cms_counter_single content_align=”center” digit=”95″ class=”counter-box” title=”” cms_template=”cms_counter_single.php” c_title=”95% of Our Customers Would Recommend us to Their Loved Ones.” image=”543″][\/vc_column][vc_column width=”1\/4″ css=”.vc_custom_1642174074859{padding-top: 0px !important;}”][cms_counter_single content_align=”center” digit=”22.2″ class=”counter-box” title=”” cms_template=”cms_counter_single.php” c_title=”Over $22.2 Billion in Loans Processed Annually in Canada.” image=”543″][\/vc_column][vc_column width=”1\/4″ css=”.vc_custom_1642174080473{padding-top: 0px !important;}”][cms_counter_single content_align=”center” digit=”35″ class=”counter-box” title=”” cms_template=”cms_counter_single.php” c_title=”Mortgage Alliance Mortages Represents Over 35 Lenders Nationally.” image=”543″][\/vc_column][\/vc_row][vc_row equal_height=”yes” bg_black_row=”” css=”.vc_custom_1642762108621{padding-top: 90px !important;padding-bottom: 70px !important;}” el_id=”business”][vc_column column_absolute=”” css=”.vc_custom_1503268330327{padding-top: 0px !important;background-position: 0 0 !important;background-repeat: no-repeat !important;}” offset=”vc_col-lg-6 vc_col-md-6 vc_hidden-sm vc_hidden-xs”][vc_single_image image=”3068″ img_size=”full” alignment=”center” css_animation=”cms_animate wow fadeIn” css=”.vc_custom_1646720572285{background-position: 0 0 !important;background-repeat: no-repeat !important;}”][\/vc_column][vc_column css=”.vc_custom_1642434200310{padding-top: 0px !important;}” offset=”vc_col-lg-6 vc_col-md-6″][vc_custom_heading text=”Investing in real estate” font_container=”tag:h2|font_size:40px|text_align:left|color:%230f1923|line_height:1.1″ google_fonts=”font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal” cms_custom_headding_type=”heading-default-blue” cms_custom_text_headding=”inherit”][vc_custom_heading text=”GENERATING PASSIVE INCOME” font_container=”tag:h2|text_align:left|color:%236bbd45″ google_fonts=”font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal”][vc_column_text style_text=”cms-ul-text”]What is ACTIVE income?<\/strong><\/p>\n\n
\n