{"id":997,"date":"2025-01-27T18:02:26","date_gmt":"2025-01-27T23:02:26","guid":{"rendered":"https:\/\/saintlohypotheques.com\/how-it-works\/"},"modified":"2026-04-07T10:44:05","modified_gmt":"2026-04-07T15:44:05","slug":"how-it-works","status":"publish","type":"page","link":"https:\/\/saintlohypotheques.com\/en\/how-it-works\/","title":{"rendered":"How it Works"},"content":{"rendered":"

[et_pb_section fb_built=”1″ admin_label=”Header” _builder_version=”4.27.2″ _module_preset=”default” background_enable_color=”off” use_background_color_gradient=”on” background_color_gradient_stops=”#00213d 0%|rgba(193,148,75,0.39) 100%” background_color_gradient_overlays_image=”on” background_image=”https:\/\/saintlohypotheques.com\/wp-content\/uploads\/2024\/10\/BanniereMaison_VF-scaled.jpg” custom_padding=”184px||184px||true|” collapsed=”on” global_colors_info=”{}”][et_pb_row column_structure=”3_5,2_5″ _builder_version=”4.27.2″ _module_preset=”default” custom_padding=”0px||15px|||” global_colors_info=”{}”][et_pb_column type=”3_5″ _builder_version=”4.27.2″ _module_preset=”default” custom_padding=”80px||||false|false” custom_padding_tablet=”0px||||false|false” custom_padding_phone=”||||false|false” custom_padding_last_edited=”on|desktop” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”_initial” header_4_font=”Lato|900||on|||||” header_4_text_color=”#FFFFFF” header_4_font_size=”60px” header_4_line_height=”1.2em” header_4_font_size_tablet=”40px” header_4_font_size_phone=”31px” header_4_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

How it Works<\/h4>\n

[\/et_pb_text][et_pb_text _builder_version=”4.27.4″ _module_preset=”_initial” header_font=”Lato||||||||” header_text_color=”#FFFFFF” header_font_size=”23px” header_letter_spacing=”1px” header_line_height=”1.4em” header_4_font=”Lato||||||||” header_4_text_color=”#FFFFFF” header_4_font_size=”23px” header_4_letter_spacing=”1px” header_4_line_height=”1.4em” custom_margin=”||10px||false|false” header_4_font_size_tablet=”23px” header_4_font_size_phone=”23px” header_4_font_size_last_edited=”on|desktop” global_colors_info=”{%22gcid-afa30cf2-6f5d-4b9c-aa39-7dbe1ac3b7a3%22:%91%22header_4_text_color%22%93}”]<\/p>\n

How does it work at Saintlo Hypoth\u00e8ques? Our process for guiding you toward obtaining your mortgage. <\/h1>\n

[\/et_pb_text][et_pb_button button_url=”https:\/\/calendly.com\/pierre_alain” url_new_window=”on” button_text=”Book an Appointment” _builder_version=”4.27.4″ _module_preset=”3073be93-70bd-4524-93ac-d51c2b9f6083″ button_text_size=”18px” button_text_color=”#012340″ button_bg_color=”#c1944b” button_letter_spacing=”0em” button_font=”Lato|700|||||||” custom_margin=”30px||16px||false|false” button_bg_color__hover_enabled=”on|desktop” button_bg_color__hover=”#cac5c1″ button_bg_enable_color__hover=”on” button_bg_use_color_gradient__hover=”off”][\/et_pb_button][\/et_pb_column][et_pb_column type=”2_5″ _builder_version=”4.22.1″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Programs” module_id=”notre-processus” module_class=”ps2id” _builder_version=”4.27.2″ _module_preset=”1506ce9c-3dd6-4bb9-aead-70e50c41cabf” collapsed=”on” global_colors_info=”{}”][et_pb_row column_structure=”1_3,1_3,1_3″ _builder_version=”4.27.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.27.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.2″ _module_preset=”default” text_font=”Lato||||||||” text_text_color=”#c1944b” text_font_size=”30px” global_colors_info=”{}”]<\/p>\n

<\/p>\n

[\/et_pb_text][et_pb_heading title=”1. Discovery call \u2013 Overview of your real estate project” _builder_version=”4.27.5″ _module_preset=”a15b74c2-26e3-4c79-ac6d-44dacb52cdb5″ title_level=”h2″ title_font=”Lato|700|||||||” title_text_color=”gcid-1f1b4e15-7cc6-4e13-8154-74d77a956460″ title_font_size=”23px” title_letter_spacing=”0em” title_line_height=”1.2em” custom_margin=”||0px||false|false” title_font_size_phone=”22px” global_colors_info=”{%22gcid-1f1b4e15-7cc6-4e13-8154-74d77a956460%22:%91%22title_text_color%22%93}”][\/et_pb_heading][et_pb_text module_class=”liens-internes” _builder_version=”4.27.5″ _module_preset=”df3d6a9b-89b3-4b9f-987c-fd972b1c9305″ text_font=”Lato||||||||” text_text_color=”#616c78″ custom_margin=”||10px||false|false” global_colors_info=”{}”]<\/p>\n

We begin with a personalized call to fully understand your overall financial situation. Whether you are considering refinancing, a loan restructuring, optimizing your current mortgage, or obtaining a mortgage prequalification, this first meeting allows us to identify your needs, your objectives, and your borrower profile. This is an essential step to build a clear strategy and guide you toward the most advantageous home financing solution for your home purchase project. To get started, book an appointment here<\/a>! <\/p>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.27.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.2″ _module_preset=”default” text_font=”Lato||||||||” text_text_color=”#c1944b” text_font_size=”30px” global_colors_info=”{}”][\/et_pb_text][et_pb_heading title=”2. Document Management \u2013 Preparing Your File Analysis” _builder_version=”4.27.5″ _module_preset=”a15b74c2-26e3-4c79-ac6d-44dacb52cdb5″ title_level=”h2″ title_font=”Lato|700|||||||” title_text_color=”gcid-1f1b4e15-7cc6-4e13-8154-74d77a956460″ title_font_size=”23px” title_letter_spacing=”0em” title_line_height=”1.2em” custom_margin=”||0px||false|false” title_font_size_phone=”22px” global_colors_info=”{%22gcid-1f1b4e15-7cc6-4e13-8154-74d77a956460%22:%91%22title_text_color%22%93}”][\/et_pb_heading][et_pb_text _builder_version=”4.27.5″ _module_preset=”df3d6a9b-89b3-4b9f-987c-fd972b1c9305″ text_font=”Lato||||||||” text_text_color=”#616c78″ custom_margin=”||10px||false|false” global_colors_info=”{}”]<\/p>\n

Once your situation is clearly defined, we assist you in preparing all the documents required for your mortgage: financial statements, identification, proof of employment, and purchase-related documents. With our simple and effective tools, we guide you step by step to gather all the information and ensure a clear and accurate file. We help you open an account on our simple and secure portal and also collect the required authorizations to ensure your application is managed rigorously and quickly. <\/p>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.27.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.2″ _module_preset=”default” text_font=”Lato||||||||” text_text_color=”#c1944b” text_font_size=”30px” global_colors_info=”{}”][\/et_pb_text][et_pb_heading title=”3. Strategic Analysis \u2013 Toward a Solid Mortgage Pre-Approval” _builder_version=”4.27.4″ _module_preset=”a15b74c2-26e3-4c79-ac6d-44dacb52cdb5″ title_level=”h2″ title_font=”Lato|700|||||||” title_text_color=”gcid-1f1b4e15-7cc6-4e13-8154-74d77a956460″ title_font_size=”23px” title_letter_spacing=”0em” title_line_height=”1.2em” custom_margin=”||0px||false|false” title_font_size_phone=”22px” global_colors_info=”{%22gcid-1f1b4e15-7cc6-4e13-8154-74d77a956460%22:%91%22title_text_color%22%93}”][\/et_pb_heading][et_pb_text _builder_version=”4.27.5″ _module_preset=”df3d6a9b-89b3-4b9f-987c-fd972b1c9305″ text_font=”Lato||||||||” text_text_color=”#616c78″ custom_margin=”||10px||false|false” global_colors_info=”{}”]<\/p>\n

We then carry out a complete analysis of your financial situation: commitments, income, assets, and objectives. This in-depth assessment enables us to define the best strategy and negotiate advantageous mortgage terms on your behalf. <\/p>\n

At this stage, we can provide a mortgage prequalification letter<\/strong>. This is an essential first step before you begin your home search. This mortgage pre-approval reassures sellers when you submit purchase offers! <\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ _builder_version=”4.27.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.27.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.2″ _module_preset=”default” text_font=”Lato||||||||” text_text_color=”#c1944b” text_font_size=”30px” global_colors_info=”{}”][\/et_pb_text][et_pb_heading title=”4. Strategy Call \u2013 Choosing the Right Home Loan for You” _builder_version=”4.27.4″ _module_preset=”a15b74c2-26e3-4c79-ac6d-44dacb52cdb5″ title_level=”h2″ title_font=”Lato|700|||||||” title_text_color=”gcid-1f1b4e15-7cc6-4e13-8154-74d77a956460″ title_font_size=”23px” title_letter_spacing=”0em” title_line_height=”1.2em” custom_margin=”||0px||false|false” title_font_size_phone=”22px” global_colors_info=”{%22gcid-1f1b4e15-7cc6-4e13-8154-74d77a956460%22:%91%22title_text_color%22%93}”][\/et_pb_heading][et_pb_text _builder_version=”4.27.5″ _module_preset=”df3d6a9b-89b3-4b9f-987c-fd972b1c9305″ text_font=”Lato||||||||” text_text_color=”#616c78″ custom_margin=”||10px||false|false” global_colors_info=”{}”]<\/p>\n

We then schedule a call to present your personalized strategy. This includes presenting the available options: refinancing, transfer, or optimization of your mortgage. We help you choose the best solution to obtain advantageous home financing tailored to your situation, while taking into account the current and anticipated economic environment. We ensure that we explain everything in a simple, human way, while respecting your risk management approach and your perceptions. <\/span><\/p>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.27.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.2″ _module_preset=”default” text_font=”Lato||||||||” text_text_color=”#c1944b” text_font_size=”30px” global_colors_info=”{}”][\/et_pb_text][et_pb_heading title=”5. File Submission \u2013 Securing Your Mortgage” _builder_version=”4.27.4″ _module_preset=”a15b74c2-26e3-4c79-ac6d-44dacb52cdb5″ title_level=”h2″ title_font=”Lato|700|||||||” title_text_color=”gcid-1f1b4e15-7cc6-4e13-8154-74d77a956460″ title_font_size=”23px” title_letter_spacing=”0em” title_line_height=”1.2em” custom_margin=”||0px||false|false” title_font_size_phone=”22px” global_colors_info=”{%22gcid-1f1b4e15-7cc6-4e13-8154-74d77a956460%22:%91%22title_text_color%22%93}”][\/et_pb_heading][et_pb_text _builder_version=”4.27.2″ _module_preset=”df3d6a9b-89b3-4b9f-987c-fd972b1c9305″ text_font=”Lato||||||||” text_text_color=”#616c78″ custom_margin=”||10px||false|false” global_colors_info=”{}”]<\/p>\n

Finally, we submit your complete file to the financial institution we select together. Every detail is considered to ensure a fast and favorable approval. You can rely on our diligent follow-up to support you through to final approval. <\/span><\/p>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.27.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.2″ _module_preset=”default” text_font=”Lato||||||||” text_text_color=”#c1944b” text_font_size=”30px” global_colors_info=”{}”][\/et_pb_text][et_pb_heading title=”6. Follow-up with the notary and beyond \u2013 Finalize the purchase of your home” _builder_version=”4.27.5″ _module_preset=”a15b74c2-26e3-4c79-ac6d-44dacb52cdb5″ title_level=”h2″ title_font=”Lato|700|||||||” title_text_color=”gcid-1f1b4e15-7cc6-4e13-8154-74d77a956460″ title_font_size=”23px” title_letter_spacing=”0em” title_line_height=”1.2em” custom_margin=”||0px||false|false” title_font_size_phone=”22px” global_colors_info=”{%22gcid-1f1b4e15-7cc6-4e13-8154-74d77a956460%22:%91%22title_text_color%22%93}”][\/et_pb_heading][et_pb_text _builder_version=”4.27.5″ _module_preset=”df3d6a9b-89b3-4b9f-987c-fd972b1c9305″ text_font=”Lato||||||||” text_text_color=”#616c78″ custom_margin=”||10px||false|false” global_colors_info=”{}”]<\/p>\n

Our work does not stop there: we support you all the way to the notary, where you will sign the deed of sale for your future home and the mortgage deed, thereby formalizing your home mortgage. The notary carries out the final verifications and registers your property. Afterward, we remain by your side to ensure diligent follow-up, address your future needs, and ensure that your loan remains up to date throughout your term. <\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_button button_url=”https:\/\/calendly.com\/pierre_alain” url_new_window=”on” button_text=”Book an appointment now with Pierre-Alain to get started!” _builder_version=”4.27.4″ _module_preset=”3073be93-70bd-4524-93ac-d51c2b9f6083″ button_text_size=”18px” button_text_color=”#012340″ button_bg_color=”#c1944b” button_letter_spacing=”0em” button_font=”Lato|700|||||||” custom_margin=”30px||16px||false|false” button_bg_color__hover_enabled=”on|desktop” button_bg_color__hover=”#cac5c1″ button_bg_enable_color__hover=”on” button_bg_use_color_gradient__hover=”off”][\/et_pb_button][et_pb_button button_url=”https:\/\/www.planipret.com\/en\/tools” button_text=”Mortgage calculator” _builder_version=”4.27.5″ _module_preset=”3073be93-70bd-4524-93ac-d51c2b9f6083″ button_text_size=”18px” button_text_color=”#012340″ button_bg_color=”#c1944b” button_letter_spacing=”0em” button_font=”Lato|700|||||||” custom_margin=”30px||16px||false|false” hover_enabled=”0″ button_bg_color__hover_enabled=”on|desktop” button_bg_color__hover=”#cac5c1″ button_bg_enable_color__hover=”on” button_bg_use_color_gradient__hover=”off” url_new_window=”on” sticky_enabled=”0″][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ module_id=”nous-joindre” module_class=”ps2id” _builder_version=”4.27.2″ _module_preset=”default” background_enable_color=”off” background_image=”https:\/\/saintlohypotheques.com\/wp-content\/uploads\/2024\/10\/BanniereMaison_VF-scaled.jpg” background_position=”top_center” custom_padding=”||66px|||” global_module=”432″ global_colors_info=”{}”][et_pb_row _builder_version=”4.27.2″ _module_preset=”default” background_enable_color=”off” custom_padding=”||0px|||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.2″ _module_preset=”_initial” background_enable_color=”off” custom_padding=”60px|60px|60px|60px|true|true” custom_padding_tablet=”30px|30px|30px|30px|true|true” custom_padding_phone=”20px|20px|20px|20px|true|true” custom_padding_last_edited=”on|tablet” border_radii=”on|30px|30px|30px|30px” global_colors_info=”{}”][et_pb_heading title=”Contact Us” _builder_version=”4.27.2″ _module_preset=”07841036-136a-4d77-bb17-51caa82d7be6″ title_font=”Lato|700|||||||” title_text_align=”center” title_text_color=”#FFFFFF” title_font_size_phone=”50px” global_colors_info=”{}”][\/et_pb_heading][et_pb_button button_url=”https:\/\/calendly.com\/pierre_alain” url_new_window=”on” button_text=”Book an Appointment” button_alignment=”center” _builder_version=”4.27.4″ _module_preset=”3073be93-70bd-4524-93ac-d51c2b9f6083″ button_text_size=”18px” button_text_color=”#012340″ button_bg_color=”#c1944b” button_letter_spacing=”0em” button_font=”Lato|700|||||||” button_use_icon=”off” custom_margin=”30px||36px||false|false” custom_padding=”5px|15px|5px|15px|true|true” global_colors_info=”{}” button_bg_color__hover_enabled=”on|desktop” button_bg_color__hover=”#cac5c1″ button_bg_enable_color__hover=”on” button_bg_use_color_gradient__hover=”off”][\/et_pb_button][et_pb_text _builder_version=”4.27.4″ _module_preset=”a26c019b-d73f-428f-b322-1293c2432cd0″ text_font=”Lato||||||||” text_font_size=”18px” text_orientation=”center” custom_margin=”||8px||false|false” custom_padding=”||18px|||” locked=”off” global_colors_info=”{}”]<\/p>\n

514-771-4413<\/a>
pierre-alain@planipret.com<\/a><\/p>\n

[\/et_pb_text][et_pb_social_media_follow use_icon_font_size=”on” icon_font_size=”25px” _builder_version=”4.27.4″ _module_preset=”default” text_orientation=”center” border_radii=”on|50px|50px|50px|50px” global_colors_info=”{}”][et_pb_social_media_follow_network social_network=”youtube” url=”https:\/\/www.youtube.com\/@UncafeavecTONcourtier” _builder_version=”4.27.2″ _module_preset=”default” background_color=”#a82400″ global_colors_info=”{}” follow_button=”off” url_new_window=”on”]youtube[\/et_pb_social_media_follow_network][et_pb_social_media_follow_network social_network=”instagram” url=”https:\/\/www.instagram.com\/psaintlo\/” _builder_version=”4.27.2″ _module_preset=”default” background_color=”#ea2c59″ global_colors_info=”{}” follow_button=”off” url_new_window=”on”]instagram[\/et_pb_social_media_follow_network][et_pb_social_media_follow_network social_network=”tiktok” url=”https:\/\/www.tiktok.com\/@pierrealaincourtierhypo” _builder_version=”4.27.2″ _module_preset=”default” background_color=”#fe2c55″ global_colors_info=”{}” follow_button=”off” url_new_window=”on”]tiktok[\/et_pb_social_media_follow_network][et_pb_social_media_follow_network social_network=”facebook” url=”https:\/\/www.facebook.com\/psaintlo” _builder_version=”4.27.4″ _module_preset=”default” background_color=”#3b5998″ global_colors_info=”{}” follow_button=”off” url_new_window=”on”]facebook[\/et_pb_social_media_follow_network][et_pb_social_media_follow_network social_network=”google” url=”https:\/\/g.co\/kgs\/C64Gz2k” _builder_version=”4.27.4″ _module_preset=”default” background_color=”#4285f4″ global_colors_info=”{}” follow_button=”off” url_new_window=”on”]google[\/et_pb_social_media_follow_network][\/et_pb_social_media_follow][et_pb_contact_form email=”pierre-alain@planipret.com” success_message=”Thank you for your message. 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How it WorksHow does it work at Saintlo Hypoth\u00e8ques? Our process for guiding you toward obtaining your mortgage. We begin with a personalized call to fully understand your overall financial situation. 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