{"id":2172,"date":"2021-10-19T13:25:31","date_gmt":"2021-10-19T17:25:31","guid":{"rendered":"https:\/\/www.excel-finance.ca\/?page_id=2172"},"modified":"2024-08-23T15:36:30","modified_gmt":"2024-08-23T19:36:30","slug":"mortgage-loan-financing-or-refinancing","status":"publish","type":"page","link":"https:\/\/www.excel-finance.ca\/en\/our-products\/mortgage-loan-financing-or-refinancing\/","title":{"rendered":"Mortgage loan financing or refinancing"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2172\" class=\"elementor elementor-2172 elementor-390\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1c7fbab elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"1c7fbab\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;de4a87d&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:&quot;1&quot;,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-1c34e0b\" data-id=\"1c34e0b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ca0cc05 elementor-widget elementor-widget-heading\" data-id=\"ca0cc05\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">- Our products<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-899a5f1 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"899a5f1\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Mortgage loan financing or refinancing<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-156a830 elementor-hidden-phone\" data-id=\"156a830\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0c8e762 elementor-section-content-middle pv50 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0c8e762\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;05f663a&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:&quot;1&quot;,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-7d8480e\" data-id=\"7d8480e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4092526 animated-slow elementor-invisible elementor-widget elementor-widget-image\" data-id=\"4092526\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"570\" height=\"745\" src=\"https:\/\/www.excel-finance.ca\/wp-content\/uploads\/2021\/04\/intro-financement-pret-hypo.jpg\" class=\"attachment-full size-full wp-image-1032\" alt=\"refinancement hypothecaire\" srcset=\"https:\/\/www.excel-finance.ca\/wp-content\/uploads\/2021\/04\/intro-financement-pret-hypo.jpg 570w, https:\/\/www.excel-finance.ca\/wp-content\/uploads\/2021\/04\/intro-financement-pret-hypo-230x300.jpg 230w\" sizes=\"(max-width: 570px) 100vw, 570px\" \/>\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\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-fc6df78\" data-id=\"fc6df78\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4c82d70 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"4c82d70\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Mortgage loan financing or refinancing<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-20dd667 elementor-widget elementor-widget-text-editor\" data-id=\"20dd667\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>We offer private mortgage loans to finance or refinance your property with First and second rank Mortgages. Excel Finance can be:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-95b76ae elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"95b76ae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23.99\" height=\"19.818\" viewBox=\"0 0 23.99 19.818\"><g id=\"check-color\" transform=\"translate(-950 -1426.295)\"><g id=\"Groupe_37\" data-name=\"Groupe 37\" transform=\"translate(959.875 1426.295)\"><path id=\"Trac&#xE9;_87\" data-name=\"Trac&#xE9; 87\" d=\"M175.058,758.951,160.942,770.5l5.245,1.571Z\" transform=\"translate(-160.942 -758.951)\" fill=\"#007b3a\"><\/path><\/g><path id=\"Trac&#xE9;_88\" data-name=\"Trac&#xE9; 88\" d=\"M101.866,841.44l-10.591-9.468,14.13,4.233Z\" transform=\"translate(858.725 604.672)\" fill=\"#3c4a3e\"><\/path><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Your partner <\/strong> to complete a project that is important to you but inaccessible according to your financial institution;<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23.99\" height=\"19.818\" viewBox=\"0 0 23.99 19.818\"><g id=\"check-color\" transform=\"translate(-950 -1426.295)\"><g id=\"Groupe_37\" data-name=\"Groupe 37\" transform=\"translate(959.875 1426.295)\"><path id=\"Trac&#xE9;_87\" data-name=\"Trac&#xE9; 87\" d=\"M175.058,758.951,160.942,770.5l5.245,1.571Z\" transform=\"translate(-160.942 -758.951)\" fill=\"#007b3a\"><\/path><\/g><path id=\"Trac&#xE9;_88\" data-name=\"Trac&#xE9; 88\" d=\"M101.866,841.44l-10.591-9.468,14.13,4.233Z\" transform=\"translate(858.725 604.672)\" fill=\"#3c4a3e\"><\/path><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Your solution<\/strong> if you receive a 60 Day Notice or if your lender wants to be reimbursed.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6196c85 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"6196c85\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;2c29cca&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:&quot;1&quot;,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-2b907ec col-content-left  pv100 col-100-tablet-v\" data-id=\"2b907ec\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e69c0ab elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"e69c0ab\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Eligibility conditions for a private loan from Excel Finance.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-95ab043 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"95ab043\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23.99\" height=\"19.818\" viewBox=\"0 0 23.99 19.818\"><g id=\"check-blanc\" transform=\"translate(-950 -1364.295)\"><g id=\"Groupe_37\" data-name=\"Groupe 37\" transform=\"translate(959.875 1364.295)\"><path id=\"Trac&#xE9;_87\" data-name=\"Trac&#xE9; 87\" d=\"M175.058,758.951,160.942,770.5l5.245,1.571Z\" transform=\"translate(-160.942 -758.951)\" fill=\"#fff\"><\/path><\/g><path id=\"Trac&#xE9;_88\" data-name=\"Trac&#xE9; 88\" d=\"M101.866,841.44l-10.591-9.468,14.13,4.233Z\" transform=\"translate(858.725 542.672)\" fill=\"#fff\"><\/path><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Loan Amount: $ 30,000 and above<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23.99\" height=\"19.818\" viewBox=\"0 0 23.99 19.818\"><g id=\"check-blanc\" transform=\"translate(-950 -1364.295)\"><g id=\"Groupe_37\" data-name=\"Groupe 37\" transform=\"translate(959.875 1364.295)\"><path id=\"Trac&#xE9;_87\" data-name=\"Trac&#xE9; 87\" d=\"M175.058,758.951,160.942,770.5l5.245,1.571Z\" transform=\"translate(-160.942 -758.951)\" fill=\"#fff\"><\/path><\/g><path id=\"Trac&#xE9;_88\" data-name=\"Trac&#xE9; 88\" d=\"M101.866,841.44l-10.591-9.468,14.13,4.233Z\" transform=\"translate(858.725 542.672)\" fill=\"#fff\"><\/path><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Maximum loan value: 75% of the value of your property<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23.99\" height=\"19.818\" viewBox=\"0 0 23.99 19.818\"><g id=\"check-blanc\" transform=\"translate(-950 -1364.295)\"><g id=\"Groupe_37\" data-name=\"Groupe 37\" transform=\"translate(959.875 1364.295)\"><path id=\"Trac&#xE9;_87\" data-name=\"Trac&#xE9; 87\" d=\"M175.058,758.951,160.942,770.5l5.245,1.571Z\" transform=\"translate(-160.942 -758.951)\" fill=\"#fff\"><\/path><\/g><path id=\"Trac&#xE9;_88\" data-name=\"Trac&#xE9; 88\" d=\"M101.866,841.44l-10.591-9.468,14.13,4.233Z\" transform=\"translate(858.725 542.672)\" fill=\"#fff\"><\/path><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Interest rates starting at 9.9%<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23.99\" height=\"19.818\" viewBox=\"0 0 23.99 19.818\"><g id=\"check-blanc\" transform=\"translate(-950 -1364.295)\"><g id=\"Groupe_37\" data-name=\"Groupe 37\" transform=\"translate(959.875 1364.295)\"><path id=\"Trac&#xE9;_87\" data-name=\"Trac&#xE9; 87\" d=\"M175.058,758.951,160.942,770.5l5.245,1.571Z\" transform=\"translate(-160.942 -758.951)\" fill=\"#fff\"><\/path><\/g><path id=\"Trac&#xE9;_88\" data-name=\"Trac&#xE9; 88\" d=\"M101.866,841.44l-10.591-9.468,14.13,4.233Z\" transform=\"translate(858.725 542.672)\" fill=\"#fff\"><\/path><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Monthly interest payments only<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23.99\" height=\"19.818\" viewBox=\"0 0 23.99 19.818\"><g id=\"check-blanc\" transform=\"translate(-950 -1364.295)\"><g id=\"Groupe_37\" data-name=\"Groupe 37\" transform=\"translate(959.875 1364.295)\"><path id=\"Trac&#xE9;_87\" data-name=\"Trac&#xE9; 87\" d=\"M175.058,758.951,160.942,770.5l5.245,1.571Z\" transform=\"translate(-160.942 -758.951)\" fill=\"#fff\"><\/path><\/g><path id=\"Trac&#xE9;_88\" data-name=\"Trac&#xE9; 88\" d=\"M101.866,841.44l-10.591-9.468,14.13,4.233Z\" transform=\"translate(858.725 542.672)\" fill=\"#fff\"><\/path><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Minimum term of 6 months<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23.99\" height=\"19.818\" viewBox=\"0 0 23.99 19.818\"><g id=\"check-blanc\" transform=\"translate(-950 -1364.295)\"><g id=\"Groupe_37\" data-name=\"Groupe 37\" transform=\"translate(959.875 1364.295)\"><path id=\"Trac&#xE9;_87\" data-name=\"Trac&#xE9; 87\" d=\"M175.058,758.951,160.942,770.5l5.245,1.571Z\" transform=\"translate(-160.942 -758.951)\" fill=\"#fff\"><\/path><\/g><path id=\"Trac&#xE9;_88\" data-name=\"Trac&#xE9; 88\" d=\"M101.866,841.44l-10.591-9.468,14.13,4.233Z\" transform=\"translate(858.725 542.672)\" fill=\"#fff\"><\/path><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Territory: properties located in the province of Qu\u00e9bec<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23.99\" height=\"19.818\" viewBox=\"0 0 23.99 19.818\"><g id=\"check-blanc\" transform=\"translate(-950 -1364.295)\"><g id=\"Groupe_37\" data-name=\"Groupe 37\" transform=\"translate(959.875 1364.295)\"><path id=\"Trac&#xE9;_87\" data-name=\"Trac&#xE9; 87\" d=\"M175.058,758.951,160.942,770.5l5.245,1.571Z\" transform=\"translate(-160.942 -758.951)\" fill=\"#fff\"><\/path><\/g><path id=\"Trac&#xE9;_88\" data-name=\"Trac&#xE9; 88\" d=\"M101.866,841.44l-10.591-9.468,14.13,4.233Z\" transform=\"translate(858.725 542.672)\" fill=\"#fff\"><\/path><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Appraisals generally required<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-daa2d7b hide-tablet-v\" data-id=\"daa2d7b\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-780aa04 elementor-widget elementor-widget-spacer\" data-id=\"780aa04\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7457cb4 elementor-section-content-middle pv50 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7457cb4\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;05f663a&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:&quot;1&quot;,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-c912a71\" data-id=\"c912a71\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b30f121 animated-slow elementor-invisible elementor-widget elementor-widget-image\" data-id=\"b30f121\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"570\" height=\"775\" src=\"https:\/\/www.excel-finance.ca\/wp-content\/uploads\/2021\/04\/exemple-financement-refinancement.jpg\" class=\"attachment-full size-full wp-image-1082\" alt=\"refinancement hypothecaire\" srcset=\"https:\/\/www.excel-finance.ca\/wp-content\/uploads\/2021\/04\/exemple-financement-refinancement.jpg 570w, https:\/\/www.excel-finance.ca\/wp-content\/uploads\/2021\/04\/exemple-financement-refinancement-221x300.jpg 221w\" sizes=\"(max-width: 570px) 100vw, 570px\" \/>\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\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-1d952ac\" data-id=\"1d952ac\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-eeeb6e8 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"eeeb6e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Examples of loans<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-91402d3 acc-pret elementor-widget elementor-widget-accordion\" data-id=\"91402d3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1521\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1521\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Financing of property inherited<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-1521\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1521\"><p><strong>Situation<br \/><\/strong>The borrower must pay the debts of the inheritance succession or will lose the property inherited.<\/p><p><strong>Problem<br \/><\/strong>The heir is unemployed<\/p><p><strong>Solution<br \/><\/strong>First Mortgage on the property to pay the debts of the inheritence succession.<\/p><p><strong>Exit Plan<br \/><\/strong>Once the heir becomes the owner, he will sell the house and reimburse the loan<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1522\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1522\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Financing Industrial land<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-1522\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1522\"><p><strong>Situation<\/strong><br \/>The borrower must reimburse the current lender.<\/p><p><strong>Problem<\/strong><br \/>Tha bank does not finance this type of real estate<\/p><p><strong>Solution<\/strong><br \/>First mortgage loan to reimburse the current lender.<\/p><p><strong>Exit Plan<\/strong><br \/>The borrower will sell the land in the near future to be able to reimburse Excel Finance.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1523\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1523\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Agricultural refinancing<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-1523\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1523\"><p><strong>Situation<\/strong><br \/>The bank recalls the loan.<\/p><p><strong>Problem<\/strong><br \/>The financial statements are in deficit.<\/p><p><strong>Solution<\/strong><br \/>First Mortgage loan to reimburse current lender.<\/p><p><strong>Exit Plan<\/strong><br \/>Company restructuring.<br \/>In two years, the borrower will be able to request a loan from a convention financial institution.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b0f9095 pv100 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b0f9095\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;af384ad&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:&quot;1&quot;,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d6d6a0f\" data-id=\"d6d6a0f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6ee00a1 width-80 elementor-widget elementor-widget-heading\" data-id=\"6ee00a1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Request a loan on line right now!<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-62494bb elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"62494bb\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;e1bfb19&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:&quot;1&quot;,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-8d33f90\" data-id=\"8d33f90\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0b7b73c elementor-align-center btn-principal elementor-widget__width-auto elementor-invisible elementor-widget elementor-widget-button\" data-id=\"0b7b73c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;zoomIn&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.excel-finance.ca\/en\/loan-request\/\">\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\">Request a loan<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f84854f elementor-align-center btn-secondaire-2 elementor-widget__width-auto elementor-invisible elementor-widget elementor-widget-button\" data-id=\"f84854f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;zoomIn&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.excel-finance.ca\/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\">Contact us<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5d98e63 elementor-section-content-middle pv50 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-phone elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5d98e63\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;05f663a&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:&quot;1&quot;,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6703026\" data-id=\"6703026\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8ffb6f6 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"8ffb6f6\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">R\u00e9ponses aux questions fr\u00e9quentes concernant le financement et refinancement hypoth\u00e9caire  <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-efe5a20 acc-pret elementor-widget elementor-widget-accordion\" data-id=\"efe5a20\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-2511\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-2511\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Qu\u2019est-ce que le refinancement d\u2019une hypoth\u00e8que?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-2511\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-2511\"><p>Le refinancement d\u2019une hypoth\u00e8que consiste \u00e0 obtenir un pr\u00eat bas\u00e9 sur une partie de la valeur nette de votre propri\u00e9t\u00e9, soit sa valeur sur le march\u00e9 moins l\u2019hypoth\u00e8que qu&#8217;il vous reste \u00e0 payer.<\/p><p>\u00a0<\/p><p>Ce type de financement permet d\u2019am\u00e9liorer sa situation financi\u00e8re ou de r\u00e9aliser de nombreux projets immobiliers, comme l\u2019achat d\u2019une r\u00e9sidence secondaire ou des travaux sur votre r\u00e9sidence principale.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-2512\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-2512\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Pourquoi refinancer un pr\u00eat hypoth\u00e9caire?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-2512\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-2512\"><p>Il existe bien des raisons de refinancer votre pr\u00eat hypoth\u00e9caire. En voici quelques-unes :<\/p><p><strong>&#8211; Profitez des taux d\u2019int\u00e9r\u00eat actuels:<\/strong> si les taux d&#8217;int\u00e9r\u00eat sont plus bas aujourd&#8217;hui qu&#8217;ils ne l&#8217;\u00e9taient lorsque vous avez obtenu votre pr\u00eat initial, vous pourriez refinancer pour profiter de ce taux inf\u00e9rieur. C&#8217;est l&#8217;une des raisons les plus courantes de refinancer un pr\u00eat hypoth\u00e9caire d&#8217;achat aujourd&#8217;hui.<\/p><p><strong>&#8211; Convertir un pr\u00eat hypoth\u00e9caire \u00e0 taux variable en un pr\u00eat \u00e0 taux fixe:<\/strong> certains experts pensent que les taux d&#8217;int\u00e9r\u00eat vont augmenter dans les mois et les ann\u00e9es \u00e0 venir. Si vous avez un pr\u00eat \u00e0 taux variable aujourd&#8217;hui, le convertir en un pr\u00eat \u00e0 taux fixe pourrait vous faire \u00e9conomiser beaucoup d&#8217;int\u00e9r\u00eats dans un futur proche.<\/p><p><strong>&#8211; Consolider des dettes \u00e0 taux d&#8217;int\u00e9r\u00eat \u00e9lev\u00e9 :<\/strong> si vous avez une carte de cr\u00e9dit importante, un pr\u00eat automobile ou d&#8217;autres pr\u00eats \u00e0 taux d&#8217;int\u00e9r\u00eat \u00e9lev\u00e9s, vous pourriez refinancer votre pr\u00eat hypoth\u00e9caire pour acc\u00e9der \u00e0 la valeur nette de votre maison et rembourser ces dettes.<br \/><strong>&#8211; Acheter une nouvelle propri\u00e9t\u00e9:<\/strong> comme indiqu\u00e9 ci-dessous, vous pouvez utiliser la valeur nette de votre maison comme un levier pour r\u00e9aliser vos projets d\u2019investissement, comme une maison de vacances ou un immeuble de placement.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-2513\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-2513\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Que devez-vous savoir si vous envisagez un refinancement d\u2019hypoth\u00e8que?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-2513\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-2513\"><p>&#8211; Le taux d&#8217;int\u00e9r\u00eat de votre refinancement peut \u00eatre d\u00e9termin\u00e9 par votre &#8220;retrait de fonds&#8221; ou non. En g\u00e9n\u00e9ral, plus vous retirez d&#8217;argent, plus votre taux peut augmenter. <a href=\"https:\/\/www.excel-finance.ca\/nous-joindre\/\">Contactez-nous<\/a> pour savoir comment cela peut vous affecter.<\/p><p>&#8211; Avec Excel Finance, vous suivrez un processus de demande de pr\u00eat hypoth\u00e9caire qui est beaucoup moins lourd que celui que vous avez connu pour votre pr\u00eat hypoth\u00e9caire d&#8217;achat initial.<\/p><p>&#8211; Vous devrez peut-\u00eatre obtenir une nouvelle \u00e9valuation de votre maison, selon la date \u00e0 laquelle la derni\u00e8re \u00e9valuation a \u00e9t\u00e9 effectu\u00e9e.<\/p><p>&#8211; Vous devrez fournir les informations relatives \u00e0 vos paiements hypoth\u00e9caires actuels.<\/p><p>L\u2019ensemble du processus est simple et particuli\u00e8rement rapide avec Excel Finance. Nous sommes flexibles car nous comprenons que vous avez des projets qui peuvent changer votre vie.<\/p><p>Vous pouvez faire votre <a href=\"https:\/\/www.excel-finance.ca\/demande-de-pret\/\">demande de pr\u00eat en ligne<\/a> en quelques minutes. Nous l\u2019\u00e9valuons dans la journ\u00e9e et vous recontactons en 24 heures pour vous communiquer notre d\u00e9cision.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-2514\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-2514\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Comment calculer la valeur nette de ma maison?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-2514\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-2514\"><p>Le calcul de la valeur nette de votre maison est simple.<\/p><ol><li>D\u00e9terminez la valeur de votre propri\u00e9t\u00e9 sur le march\u00e9 actuel<\/li><li>D\u00e9terminez votre solde hypoth\u00e9caire (combien vous reste-t-il \u00e0 rembourser)<\/li><li>Soustrayez votre solde hypoth\u00e9caire de la valeur de votre propri\u00e9t\u00e9 sur le march\u00e9.<\/li><\/ol><p>\u00c0 Excel Finance, nos conditions d\u2019acc\u00e8s au refinancement vous permettent d\u2019emprunter jusqu\u2019\u00e0 75 % de cette valeur. Donc si votre maison vaut actuellement 250 000 $, vous pourriez emprunter jusqu\u2019\u00e0 187 500 $.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-2515\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-2515\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Pourquoi avoir recours \u00e0 un pr\u00eateur hypoth\u00e9caire priv\u00e9 comme Excel Finance?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-2515\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-2515\"><p>Vous pouvoir avoir besoin d\u2019un pr\u00eat hypoth\u00e9caire priv\u00e9 dans l&#8217;une des circonstances suivantes:<\/p><ul><li>Vous voulez acheter une propri\u00e9t\u00e9 non conventionnelle qu&#8217;un pr\u00eateur principal ou une banque ne financera pas.<\/li><li>Vous avez besoin d&#8217;un financement rapide et ne voulez pas attendre une longue proc\u00e9dure d&#8217;approbation.<\/li><li>Votre mauvais historique de cr\u00e9dit signifie que les pr\u00eateurs conventionnels vous refusent.<\/li><li>Vous n&#8217;avez besoin que d&#8217;un pr\u00eat \u00e0 court terme.<\/li><li>Vous avez des revenus insuffisants ou \u00ab\u00a0instables\u00a0\u00bb, ce qui vous emp\u00eache d\u2019avoir la confiance des organismes bancaires traditionnels.<\/li><\/ul><p>Si vous vous sentez concern\u00e9 ou si vous avez la moindre question, n\u2019h\u00e9sitez pas \u00e0 nous contacter pour nous parler de votre projet et voir quelle solution nous pouvons vous offrir.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>&#8211; Our products Mortgage loan financing or refinancing Mortgage loan financing or refinancing We offer private mortgage loans to finance or refinance your property with First and second rank Mortgages. Excel Finance can be: Your partner to complete a project that is important to you but inaccessible according to your financial institution; Your solution if [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":1024,"parent":2167,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-2172","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Mortgage Loan Financing and Refinancing in Quebec<\/title>\n<meta name=\"description\" content=\"Excel Finance offers mortgage loan financing and refinancing in Quebec. Trust us for competitive rates and personalized solutions to fit your needs.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.excel-finance.ca\/en\/our-products\/mortgage-loan-financing-or-refinancing\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Mortgage Loan Financing and Refinancing in Quebec\" \/>\n<meta property=\"og:description\" content=\"Excel Finance offers mortgage loan financing and refinancing in Quebec. 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