{"id":1998,"date":"2026-08-23T13:24:07","date_gmt":"2026-08-23T13:24:07","guid":{"rendered":"https:\/\/karimhammal.ca\/?page_id=1998"},"modified":"2026-09-05T17:46:56","modified_gmt":"2026-09-05T17:46:56","slug":"fr-karim-hammal-trusted-mortgage-broker-in-quebec","status":"publish","type":"page","link":"https:\/\/karimhammal.ca\/en\/","title":{"rendered":"FR-Karim Hammal -Trusted Mortgage Broker in Quebec"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1998\" class=\"elementor elementor-1998\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1facb91 e-flex e-con-boxed e-con e-parent\" data-id=\"1facb91\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-d0b03d1 e-con-full elementor-hidden-mobile e-flex e-con e-child\" data-id=\"d0b03d1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-47c7b17 e-con-full e-flex e-con e-child\" data-id=\"47c7b17\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4c54f44 elementor-absolute elementor-hidden-mobile elementor-widget elementor-widget-image\" data-id=\"4c54f44\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"500\" height=\"500\" src=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/amf-no-3.png\" class=\"attachment-large size-large wp-image-1240\" alt=\"Karim Hammal Autorit\u00e9 des march\u00e9s financiers \u2013 Licence 215250\" srcset=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/amf-no-3.png 500w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/amf-no-3-300x300.png 300w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/amf-no-3-150x150.png 150w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1c50b5a elementor-widget elementor-widget-image\" data-id=\"1c50b5a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"748\" src=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/481160094_122102315570791955_1295900200083946738_n-e1768513590529-1024x957.jpg\" class=\"attachment-large size-large wp-image-499\" alt=\"Karim Hammal, Mortgage Broker in Montreal, Quebec\" srcset=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/481160094_122102315570791955_1295900200083946738_n-e1768513590529-1024x957.jpg 1024w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/481160094_122102315570791955_1295900200083946738_n-e1768513590529-300x280.jpg 300w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/481160094_122102315570791955_1295900200083946738_n-e1768513590529-768x718.jpg 768w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/481160094_122102315570791955_1295900200083946738_n-e1768513590529.jpg 1406w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\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<\/div>\n\t\t<div class=\"elementor-element elementor-element-48468b0 e-con-full elementor-hidden-mobile e-flex e-con e-child\" data-id=\"48468b0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a63fb48 elementor-widget elementor-widget-html\" data-id=\"a63fb48\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!-- Elfsight Google Reviews | Untitled Google Reviews 2 -->\r\n<script src=\"https:\/\/elfsightcdn.com\/platform.js\" async><\/script>\r\n<div class=\"elfsight-app-a19b80be-ca38-46e8-b730-7146fd85217d\" data-elfsight-app-lazy><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8ae4dbb elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"8ae4dbb\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">COURTIER HYPOTH\u00c9CAIRE DE CONFIANCE AU QU\u00c9BEC<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1bef71b elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"1bef71b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:&quot;200&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Conseils hypoth\u00e9caires pour les acheteurs, les propri\u00e9taires et les investisseurs<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fdf420d elementor-tablet-align-start elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-invisible elementor-widget elementor-widget-icon-list\" data-id=\"fdf420d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;zoomIn&quot;}\" data-widget_type=\"icon-list.default\">\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 aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-bullseye\" viewBox=\"0 0 496 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M248 8C111.03 8 0 119.03 0 256s111.03 248 248 248 248-111.03 248-248S384.97 8 248 8zm0 432c-101.69 0-184-82.29-184-184 0-101.69 82.29-184 184-184 101.69 0 184 82.29 184 184 0 101.69-82.29 184-184 184zm0-312c-70.69 0-128 57.31-128 128s57.31 128 128 128 128-57.31 128-128-57.31-128-128-128zm0 192c-35.29 0-64-28.71-64-64s28.71-64 64-64 64 28.71 64 64-28.71 64-64 64z\"><\/path><\/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\">Plus de 800 acheteurs et propri\u00e9taires au Qu\u00e9bec nous font confiance.<\/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 aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-bullseye\" viewBox=\"0 0 496 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M248 8C111.03 8 0 119.03 0 256s111.03 248 248 248 248-111.03 248-248S384.97 8 248 8zm0 432c-101.69 0-184-82.29-184-184 0-101.69 82.29-184 184-184 101.69 0 184 82.29 184 184 0 101.69-82.29 184-184 184zm0-312c-70.69 0-128 57.31-128 128s57.31 128 128 128 128-57.31 128-128-57.31-128-128-128zm0 192c-35.29 0-64-28.71-64-64s28.71-64 64-64 64 28.71 64 64-28.71 64-64 64z\"><\/path><\/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\">Comparer les taux de plusieurs pr\u00eateurs, et non d'une seule banque<\/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 aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-bullseye\" viewBox=\"0 0 496 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M248 8C111.03 8 0 119.03 0 256s111.03 248 248 248 248-111.03 248-248S384.97 8 248 8zm0 432c-101.69 0-184-82.29-184-184 0-101.69 82.29-184 184-184 101.69 0 184 82.29 184 184 0 101.69-82.29 184-184 184zm0-312c-70.69 0-128 57.31-128 128s57.31 128 128 128 128-57.31 128-128-57.31-128-128-128zm0 192c-35.29 0-64-28.71-64-64s28.71-64 64-64 64 28.71 64 64-28.71 64-64 64z\"><\/path><\/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\">Gagner du temps, de l'argent et \u00e9viter le stress inutile<\/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 aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-bullseye\" viewBox=\"0 0 496 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M248 8C111.03 8 0 119.03 0 256s111.03 248 248 248 248-111.03 248-248S384.97 8 248 8zm0 432c-101.69 0-184-82.29-184-184 0-101.69 82.29-184 184-184 101.69 0 184 82.29 184 184 0 101.69-82.29 184-184 184zm0-312c-70.69 0-128 57.31-128 128s57.31 128 128 128 128-57.31 128-128-57.31-128-128-128zm0 192c-35.29 0-64-28.71-64-64s28.71-64 64-64 64 28.71 64 64-28.71 64-64 64z\"><\/path><\/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\">Guid\u00e9 de la pr\u00e9-approbation \u00e0 la cl\u00f4ture<\/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<div class=\"elementor-element elementor-element-e413024 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"e413024\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;slideInUp&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e7160ec fluentform-widget-submit-button-full-width elementor-widget__width-inherit fluent-form-widget-step-header-yes fluent-form-widget-step-progressbar-yes elementor-widget elementor-widget-fluent-form-widget\" data-id=\"e7160ec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"fluent-form-widget.default\">\n\t\t\t\t<div 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elementor-hidden-tablet e-flex e-con e-child\" data-id=\"4a11abf\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9e8fcb4 elementor-widget elementor-widget-html\" data-id=\"9e8fcb4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!-- Elfsight Google Reviews | Untitled Google Reviews 2 -->\r\n<script src=\"https:\/\/elfsightcdn.com\/platform.js\" async><\/script>\r\n<div class=\"elfsight-app-a19b80be-ca38-46e8-b730-7146fd85217d\" data-elfsight-app-lazy><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-df4ae20 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"df4ae20\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_mobile&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">TRUSTED MORTGAGE BROKER IN QUEBEC<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c10868a elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"c10868a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:&quot;200&quot;,&quot;_animation_mobile&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Mortgage Advice for Buyers, Homeowners &amp; Investors<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ba65ee elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-invisible elementor-widget elementor-widget-icon-list\" data-id=\"6ba65ee\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;zoomIn&quot;,&quot;_animation_mobile&quot;:&quot;none&quot;}\" data-widget_type=\"icon-list.default\">\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 aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-bullseye\" viewBox=\"0 0 496 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M248 8C111.03 8 0 119.03 0 256s111.03 248 248 248 248-111.03 248-248S384.97 8 248 8zm0 432c-101.69 0-184-82.29-184-184 0-101.69 82.29-184 184-184 101.69 0 184 82.29 184 184 0 101.69-82.29 184-184 184zm0-312c-70.69 0-128 57.31-128 128s57.31 128 128 128 128-57.31 128-128-57.31-128-128-128zm0 192c-35.29 0-64-28.71-64-64s28.71-64 64-64 64 28.71 64 64-28.71 64-64 64z\"><\/path><\/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\">Trusted by 800+ buyers and homeowners in Quebec<\/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 aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-bullseye\" viewBox=\"0 0 496 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M248 8C111.03 8 0 119.03 0 256s111.03 248 248 248 248-111.03 248-248S384.97 8 248 8zm0 432c-101.69 0-184-82.29-184-184 0-101.69 82.29-184 184-184 101.69 0 184 82.29 184 184 0 101.69-82.29 184-184 184zm0-312c-70.69 0-128 57.31-128 128s57.31 128 128 128 128-57.31 128-128-57.31-128-128-128zm0 192c-35.29 0-64-28.71-64-64s28.71-64 64-64 64 28.71 64 64-28.71 64-64 64z\"><\/path><\/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\">Compare rates from multiple lenders, not just one bank<\/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 aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-bullseye\" viewBox=\"0 0 496 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M248 8C111.03 8 0 119.03 0 256s111.03 248 248 248 248-111.03 248-248S384.97 8 248 8zm0 432c-101.69 0-184-82.29-184-184 0-101.69 82.29-184 184-184 101.69 0 184 82.29 184 184 0 101.69-82.29 184-184 184zm0-312c-70.69 0-128 57.31-128 128s57.31 128 128 128 128-57.31 128-128-57.31-128-128-128zm0 192c-35.29 0-64-28.71-64-64s28.71-64 64-64 64 28.71 64 64-28.71 64-64 64z\"><\/path><\/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\">Save time, money, and unnecessary stress<\/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 aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-bullseye\" viewBox=\"0 0 496 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M248 8C111.03 8 0 119.03 0 256s111.03 248 248 248 248-111.03 248-248S384.97 8 248 8zm0 432c-101.69 0-184-82.29-184-184 0-101.69 82.29-184 184-184 101.69 0 184 82.29 184 184 0 101.69-82.29 184-184 184zm0-312c-70.69 0-128 57.31-128 128s57.31 128 128 128 128-57.31 128-128-57.31-128-128-128zm0 192c-35.29 0-64-28.71-64-64s28.71-64 64-64 64 28.71 64 64-28.71 64-64 64z\"><\/path><\/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\">Guided from pre-approval to closing<\/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<div class=\"elementor-element elementor-element-5864109 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"5864109\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;slideInUp&quot;,&quot;background_background&quot;:&quot;classic&quot;,&quot;animation_mobile&quot;:&quot;none&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-202b90b fluentform-widget-submit-button-full-width elementor-widget__width-inherit fluent-form-widget-step-header-yes fluent-form-widget-step-progressbar-yes elementor-widget elementor-widget-fluent-form-widget\" data-id=\"202b90b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"fluent-form-widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"fluentform-widget-wrapper fluentform-widget-align-center\">\n\n            \n            <div class='fluentform ff-default fluentform_wrapper_3 ffs_default_wrap'><form data-form_id=\"3\" id=\"fluentform_3\" class=\"frm-fluent-form fluent_form_3 ff-el-form-top ff_form_instance_3_2 ff-form-loading ffs_default\" data-form_instance=\"ff_form_instance_3_2\" method=\"POST\" ><fieldset  style=\"border: none!important;margin: 0!important;padding: 0!important;background-color: transparent!important;box-shadow: none!important;outline: none!important; min-inline-size: 100%;\">\n                    <legend class=\"ff_screen_reader_title\" style=\"display: block; margin: 0!important;padding: 0!important;height: 0!important;text-indent: -999999px;width: 0!important;overflow:hidden;\">Hero Lead Form<\/legend><input type='hidden' name='__fluent_form_embded_post_id' value='1998' \/><input type=\"hidden\" id=\"_fluentform_3_fluentformnonce\" name=\"_fluentform_3_fluentformnonce\" value=\"4b81c72a1c\" \/><input type=\"hidden\" name=\"_wp_http_referer\" value=\"\/en\/wp-json\/wp\/v2\/pages\/1998\" \/><div class='ff-el-group'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_3_2_email' id='label_ff_3_2_email' aria-label=\"Courriel\">Courriel<\/label><\/div><div class='ff-el-input--content'><input type=\"email\" name=\"email\" id=\"ff_3_2_email\" class=\"ff-el-form-control\" placeholder=\"Adresse \u00e9lectronique\" data-name=\"email\"  aria-invalid=\"false\" aria-required=true><\/div><\/div><div class='ff-el-group ff-text-center emailformbuttondiv ff_submit_btn_wrapper'><button type=\"submit\" class=\"ff-btn ff-btn-submit ff-btn-lg emailformbutton ff_btn_style wpf_has_custom_css\"  aria-label=\"Trouver mon hypoth\u00e8que\">Trouver mon hypoth\u00e8que<\/button><\/div><\/fieldset><\/form><div id='fluentform_3_errors' class='ff-errors-in-stack ff_form_instance_3_2 ff-form-loading_errors ff_form_instance_3_2_errors'><\/div><\/div>            <script type=\"text\/javascript\">\n                window.fluent_form_ff_form_instance_3_2 = {\"id\":\"3\",\"ajaxUrl\":\"https:\\\/\\\/karimhammal.ca\\\/wp-admin\\\/admin-ajax.php\",\"settings\":{\"layout\":{\"labelPlacement\":\"top\",\"asteriskPlacement\":\"asterisk-right\",\"helpMessagePlacement\":\"with_label\",\"errorMessagePlacement\":\"inline\",\"cssClassName\":\"\"},\"restrictions\":{\"denyEmptySubmission\":{\"enabled\":false}}},\"form_instance\":\"ff_form_instance_3_2\",\"form_id_selector\":\"fluentform_3\",\"rules\":{\"email\":{\"required\":{\"value\":true,\"message\":\"This field is required\",\"global_message\":\"This field is required\",\"global\":true},\"email\":{\"value\":true,\"message\":\"This field must contain a valid email\",\"global_message\":\"This field must contain a valid email\",\"global\":true}}},\"debounce_time\":300,\"file_upload_settings\":[]};\n                            <\/script>\n                        <\/div>\n\n            \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ffe2877 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ffe2877\" data-element_type=\"section\" data-e-type=\"section\" id=\"about\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-6dd94937 elementor-invisible\" data-id=\"6dd94937\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&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-d986c6a elementor-hidden-desktop elementor-hidden-tablet elementor-widget elementor-widget-image\" data-id=\"d986c6a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"136\" src=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/amf-no-4.png\" class=\"attachment-large size-large wp-image-1244\" alt=\"Karim Hammal Autorit\u00e9 des march\u00e9s financiers \u2013 Licence 215250\" srcset=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/amf-no-4.png 898w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/amf-no-4-300x51.png 300w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/amf-no-4-768x131.png 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7361146c elementor-widget-tablet__width-inherit elementor-widget elementor-widget-jkit_heading\" data-id=\"7361146c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_heading.default\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-heading  align-left align-tablet- align-mobile- jeg_module___6aa54398d5d83\" ><h3 class=\"heading-section-subtitle  style-color\">\u00c0 PROPOS DE KARIM HAMMAL<\/h3><div class=\"heading-section-title  display-inline-block\"><h2 class=\"heading-title\">Des conseils hypoth\u00e9caires personnalis\u00e9s auxquels vous pouvez faire confiance<\/h2><\/div><div class=\"heading-section-separator\"><div class=\"separator-wrapper style-solid\"><\/div><\/div><div class=\"heading-section-description\"><p data-start=\"732\" data-end=\"854\">L'achat, le refinancement ou le renouvellement d'un pr\u00eat hypoth\u00e9caire peuvent sembler insurmontables, surtout lorsque chaque banque donne une r\u00e9ponse diff\u00e9rente.<\/p><p data-start=\"861\" data-end=\"995\">Je vous aide \u00e0 comprendre vos options, \u00e0 comparer les pr\u00eateurs et \u00e0 choisir un pr\u00eat hypoth\u00e9caire qui correspond vraiment \u00e0 vos objectifs, non seulement aujourd'hui, mais aussi \u00e0 long terme.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-23a2d47e elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"23a2d47e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\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 aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/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\">Acc\u00e8s \u00e0 plusieurs pr\u00eateurs, et non \u00e0 une seule banque<\/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 aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/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\">Des explications claires, sans pression ni confusion<\/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 aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/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\">Des conseils adapt\u00e9s \u00e0 votre situation financi\u00e8re<\/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 aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/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\">Assistance de la pr\u00e9-approbation \u00e0 la cl\u00f4ture<\/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<div class=\"elementor-element elementor-element-6c5dee9 e-con-full e-flex e-con e-parent\" data-id=\"6c5dee9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-bf2b58f e-con-full e-flex e-con e-child\" data-id=\"bf2b58f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e602306 elementor-widget elementor-widget-image\" data-id=\"e602306\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"524\" height=\"88\" src=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/signature-2-e1768233414260.png\" class=\"attachment-large size-large wp-image-281\" alt=\"\" srcset=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/signature-2-e1768233414260.png 524w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/signature-2-e1768233414260-300x50.png 300w\" sizes=\"(max-width: 524px) 100vw, 524px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8d22cba e-con-full e-flex e-con e-child\" data-id=\"8d22cba\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d034eb7 elementor-widget elementor-widget-heading\" data-id=\"d034eb7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Karim Hammal<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b23fa1d elementor-widget elementor-widget-text-editor\" data-id=\"b23fa1d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Courtier en hypoth\u00e8ques &#8211; Dominion Lending Centres<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-3aa740f1 elementor-hidden-mobile elementor-invisible\" data-id=\"3aa740f1\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9ca4c0c elementor-hidden-tablet elementor-hidden-mobile elementor-widget__width-initial elementor-widget elementor-widget-video\" data-id=\"9ca4c0c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;video_type&quot;:&quot;hosted&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;mute&quot;:&quot;yes&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t\t\t\t<div class=\"e-hosted-video elementor-wrapper elementor-open-inline\">\n\t\t\t\t\t<video class=\"elementor-video\" src=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/about-video-vartical.mp4\" autoplay=\"\" controls=\"\" muted=\"muted\" controlsList=\"nodownload\"><\/video>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4aea011 elementor-hidden-desktop elementor-widget elementor-widget-video\" data-id=\"4aea011\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;video_type&quot;:&quot;hosted&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;mute&quot;:&quot;yes&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t\t\t\t<div class=\"e-hosted-video elementor-wrapper elementor-open-inline\">\n\t\t\t\t\t<video class=\"elementor-video\" src=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/about-me-video.mp4\" autoplay=\"\" controls=\"\" muted=\"muted\" controlsList=\"nodownload\"><\/video>\n\t\t\t\t<\/div>\n\t\t\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-3ac58d8d elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3ac58d8d\" data-element_type=\"section\" data-e-type=\"section\">\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-33 elementor-top-column elementor-element elementor-element-6105291d elementor-invisible\" data-id=\"6105291d\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&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-4078be3d elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"4078be3d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"jki jki-users-light\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t Conseiller expert\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tJe prends le temps de comprendre votre situation et d'expliquer clairement chaque option, afin que vous puissiez aller de l'avant en toute confiance.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\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-33 elementor-top-column elementor-element elementor-element-2af07324 elementor-invisible\" data-id=\"2af07324\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&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-8e874b1 elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"8e874b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"jki jki-consut2-light\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t Solutions hypoth\u00e9caires\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tQu'il s'agisse d'un premier achat, d'un renouvellement, d'un refinancement ou d'un investissement immobilier, je vous aide \u00e0 trouver la bonne solution.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\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-33 elementor-top-column elementor-element elementor-element-76f0ad3e elementor-invisible\" data-id=\"76f0ad3e\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&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-56849dc2 elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"56849dc2\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"jki jki-finance-book-light\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t Clart\u00e9 financi\u00e8re\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tPas de suppositions, pas de surprises. Juste des conseils honn\u00eates pour vous aider \u00e0 prendre des d\u00e9cisions intelligentes et \u00e9clair\u00e9es en mati\u00e8re d'hypoth\u00e8que.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\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<div class=\"elementor-element elementor-element-0998f20 e-flex e-con-boxed elementor-invisible e-con e-parent\" data-id=\"0998f20\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-375e387 elementor-widget__width-initial elementor-widget elementor-widget-jkit_heading\" data-id=\"375e387\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_heading.default\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-heading  align-center align-tablet- align-mobile- jeg_module__1_6aa54398d73fa\" ><div class=\"heading-section-title  display-inline-block\"><h2 class=\"heading-title\">Acc\u00e8s \u00e0 plus de 20 grandes banques et pr\u00eateurs<\/h2><\/div><div class=\"heading-section-separator\"><div class=\"separator-wrapper style-solid\"><\/div><\/div><div class=\"heading-section-description\"><p>En tant que votre courtier, je n\u00e9gocie avec\u00a0<strong>les principales banques du Canada et des pr\u00eateurs sp\u00e9cialis\u00e9s<\/strong>\u00a0afin de trouver le taux et les conditions qui correspondent \u00e0 votre situation unique \u2014 pas seulement la premi\u00e8re offre propos\u00e9e.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cfa1a34 elementor-invisible elementor-widget elementor-widget-n-carousel\" data-id=\"cfa1a34\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;carousel_items&quot;:[{&quot;slide_title&quot;:&quot;Slide #1&quot;,&quot;_id&quot;:&quot;8eb0ec6&quot;},{&quot;slide_title&quot;:&quot;Slide #1&quot;,&quot;_id&quot;:&quot;2c6a73c&quot;},{&quot;slide_title&quot;:&quot;Slide #1&quot;,&quot;_id&quot;:&quot;c4f9b70&quot;},{&quot;slide_title&quot;:&quot;Slide #1&quot;,&quot;_id&quot;:&quot;acaa802&quot;},{&quot;slide_title&quot;:&quot;Slide #1&quot;,&quot;_id&quot;:&quot;683204e&quot;},{&quot;slide_title&quot;:&quot;Slide #1&quot;,&quot;_id&quot;:&quot;315246d&quot;},{&quot;slide_title&quot;:&quot;Slide #1&quot;,&quot;_id&quot;:&quot;7d194b4&quot;},{&quot;slide_title&quot;:&quot;Slide #1&quot;,&quot;_id&quot;:&quot;ed05736&quot;},{&quot;slide_title&quot;:&quot;Slide #1&quot;,&quot;_id&quot;:&quot;1895ac3&quot;},{&quot;slide_title&quot;:&quot;Slide #1&quot;,&quot;_id&quot;:&quot;1057104&quot;}],&quot;slides_to_show&quot;:&quot;4&quot;,&quot;slides_to_scroll&quot;:&quot;1&quot;,&quot;image_spacing_custom&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:20,&quot;sizes&quot;:[]},&quot;slides_to_show_tablet&quot;:&quot;3&quot;,&quot;slides_to_show_mobile&quot;:&quot;2&quot;,&quot;slides_to_scroll_mobile&quot;:&quot;1&quot;,&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;autoplay_speed&quot;:500,&quot;speed&quot;:1000,&quot;autoplay&quot;:&quot;yes&quot;,&quot;pause_on_hover&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;infinite&quot;:&quot;yes&quot;,&quot;offset_sides&quot;:&quot;none&quot;,&quot;image_spacing_custom_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;image_spacing_custom_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-carousel.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-carousel swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Carousel\" dir=\"ltr\">\n\t\t\t<div class=\"swiper-wrapper\" aria-live=\"off\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" data-slide=\"1\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"1 sur 10\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-70ee15b e-flex e-con-boxed e-con e-child\" data-id=\"70ee15b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0d60d88 elementor-widget elementor-widget-image\" data-id=\"0d60d88\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"200\" height=\"80\" src=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/06\/cibc.png\" class=\"attachment-large size-large wp-image-1530\" alt=\"Karim Hammal Lander Logo - cibc\" srcset=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/06\/cibc.png 200w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/06\/cibc-18x7.png 18w\" sizes=\"(max-width: 200px) 100vw, 200px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" data-slide=\"2\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"2 sur 10\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5ecde40 e-flex e-con-boxed e-con e-child\" data-id=\"5ecde40\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-66a8084 elementor-widget elementor-widget-image\" data-id=\"66a8084\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"200\" height=\"80\" src=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/06\/bmo.png\" class=\"attachment-large size-large wp-image-1528\" alt=\"Karim Hammal Lander Logo - bmo\" srcset=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/06\/bmo.png 200w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/06\/bmo-18x7.png 18w\" sizes=\"(max-width: 200px) 100vw, 200px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" data-slide=\"3\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"3 sur 10\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ae4128c e-flex e-con-boxed e-con e-child\" data-id=\"ae4128c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-741aa73 elementor-widget elementor-widget-image\" data-id=\"741aa73\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"200\" height=\"80\" src=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/06\/scotiabank-1.png\" class=\"attachment-large size-large wp-image-1621\" alt=\"Karim Hammal Lander Logo - scotiabank\" srcset=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/06\/scotiabank-1.png 200w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/06\/scotiabank-1-18x7.png 18w\" sizes=\"(max-width: 200px) 100vw, 200px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" data-slide=\"4\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"4 sur 10\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-adf2565 e-flex e-con-boxed e-con e-child\" data-id=\"adf2565\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0927565 elementor-widget elementor-widget-image\" data-id=\"0927565\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"200\" height=\"80\" src=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/06\/national-bank.png\" class=\"attachment-large size-large wp-image-1616\" alt=\"Karim Hammal Lander Logo - national bank\" srcset=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/06\/national-bank.png 200w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/06\/national-bank-18x7.png 18w\" sizes=\"(max-width: 200px) 100vw, 200px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" data-slide=\"5\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"5 sur 10\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d089e55 e-flex e-con-boxed e-con e-child\" data-id=\"d089e55\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-713b3ac elementor-widget elementor-widget-image\" data-id=\"713b3ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"200\" height=\"80\" src=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/06\/Merix.png\" class=\"attachment-large size-large wp-image-1615\" alt=\"Karim Hammal Lander Logo - Merix\" srcset=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/06\/Merix.png 200w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/06\/Merix-18x7.png 18w\" sizes=\"(max-width: 200px) 100vw, 200px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" data-slide=\"6\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"6 sur 10\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c0db271 e-flex e-con-boxed e-con e-child\" data-id=\"c0db271\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-616eeaf elementor-widget elementor-widget-image\" data-id=\"616eeaf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"200\" height=\"80\" src=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/06\/MCAP.png\" class=\"attachment-large size-large wp-image-1614\" alt=\"Karim Hammal Lander Logo - MCAP\" srcset=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/06\/MCAP.png 200w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/06\/MCAP-18x7.png 18w\" sizes=\"(max-width: 200px) 100vw, 200px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" data-slide=\"7\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"7 sur 10\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4d8b00c e-flex e-con-boxed e-con e-child\" data-id=\"4d8b00c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f033f43 elementor-widget elementor-widget-image\" data-id=\"f033f43\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"200\" height=\"80\" src=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/06\/home-trust.png\" class=\"attachment-large size-large wp-image-1613\" alt=\"Karim Hammal Lander Logo - home trust\" srcset=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/06\/home-trust.png 200w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/06\/home-trust-18x7.png 18w\" sizes=\"(max-width: 200px) 100vw, 200px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" data-slide=\"8\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"8 sur 10\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6514510 e-flex e-con-boxed e-con e-child\" data-id=\"6514510\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5d875d8 elementor-widget elementor-widget-image\" data-id=\"5d875d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"200\" height=\"80\" src=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/06\/First-national.png\" class=\"attachment-large size-large wp-image-1612\" alt=\"Karim Hammal Lander Logo - First national\" srcset=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/06\/First-national.png 200w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/06\/First-national-18x7.png 18w\" sizes=\"(max-width: 200px) 100vw, 200px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" data-slide=\"9\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"9 sur 10\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-09a6e2e e-flex e-con-boxed e-con e-child\" data-id=\"09a6e2e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bc4f6b3 elementor-widget elementor-widget-image\" data-id=\"bc4f6b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"200\" height=\"80\" src=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/06\/desjardir.png\" class=\"attachment-large size-large wp-image-1611\" alt=\"Karim Hammal Lander Logo - desjardir\" srcset=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/06\/desjardir.png 200w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/06\/desjardir-18x7.png 18w\" sizes=\"(max-width: 200px) 100vw, 200px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" data-slide=\"10\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"10 sur 10\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2961076 e-flex e-con-boxed e-con e-child\" data-id=\"2961076\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0bb1a5e elementor-widget elementor-widget-image\" data-id=\"0bb1a5e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"200\" height=\"80\" src=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/06\/manulife.png\" class=\"attachment-large size-large wp-image-1535\" alt=\"Karim Hammal Lander Logo - manulife\" srcset=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/06\/manulife.png 200w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/06\/manulife-18x7.png 18w\" sizes=\"(max-width: 200px) 100vw, 200px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-75598c6 elementor-align-center elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"75598c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\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\">+ 20 pr\u00eateurs suppl\u00e9mentaires disponibles<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9d0eb1e e-flex e-con-boxed e-con e-parent\" data-id=\"9d0eb1e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-8629ba2 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"8629ba2\" data-element_type=\"container\" data-e-type=\"container\" id=\"service\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6aa590e elementor-invisible elementor-widget elementor-widget-jkit_heading\" data-id=\"6aa590e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"jkit_heading.default\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-heading  align-center align-tablet- align-mobile- jeg_module__2_6aa54398d7fbd\" ><h3 class=\"heading-section-subtitle  style-color\">SERVICES<\/h3><div class=\"heading-section-title  display-inline-block\"><h2 class=\"heading-title\">Des solutions hypoth\u00e9caires adapt\u00e9es \u00e0 vos besoins<\/h2><\/div><div class=\"heading-section-separator\"><div class=\"separator-wrapper style-solid\"><\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-88d608c e-con-full e-grid e-con e-child\" data-id=\"88d608c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c03af9a jkit-equal-height-enable elementor-invisible elementor-widget elementor-widget-jkit_image_box\" data-id=\"c03af9a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;zoomIn&quot;}\" data-widget_type=\"jkit_image_box.default\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-image-box style-default elementor-animation- jeg_module__3_6aa54398d9871\" ><div class=\"image-box-header elementor-animation-\"><img loading=\"lazy\" decoding=\"async\" width=\"572\" height=\"1024\" src=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/img4-572x1024.jpg\" class=\"attachment-large size-large\" alt=\"Karim Hammal Service -Home Purchase &amp; Pre-Approval\" url=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/img4.jpg\" source=\"library\" srcset=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/img4-572x1024.jpg 572w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/img4-167x300.jpg 167w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/img4-768x1376.jpg 768w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/img4-857x1536.jpg 857w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/img4.jpg 979w\" sizes=\"(max-width: 572px) 100vw, 572px\" \/><\/div><div class=\"image-box-body\">\n            <div class=\"body-inner\"><h2 class=\"body-title icon-position-before\">Achat d&#039;une maison et pr\u00e9approbation<\/h2>\n                <div class=\"body-description\"><p>Que vous soyez premier acheteur ou que vous achetiez une nouvelle maison, je vous guide \u00e0 chaque \u00e9tape pour obtenir un financement clair, rapide et adapt\u00e9 \u00e0 votre situation<\/p><\/div>\n                <div class=\"body-button\"><div class=\"button-box icon-position-after\"><div class=\"button-wrapper\"><a href=\"https:\/\/karimhammal.ca\/lead-submission-form\/\" target=\"_blank\">Obtenir mes options hypoth\u00e9cair<i aria-hidden=\"true\" class=\"jki jki-right-arrow1-light\"><\/i><\/a><\/div><\/div><\/div>\n                \n            <\/div>\n        <\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-051d9c5 jkit-equal-height-enable elementor-invisible elementor-widget elementor-widget-jkit_image_box\" data-id=\"051d9c5\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;zoomIn&quot;}\" data-widget_type=\"jkit_image_box.default\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-image-box style-default elementor-animation- jeg_module__4_6aa54398db3dd\" ><div class=\"image-box-header elementor-animation-\"><img loading=\"lazy\" decoding=\"async\" width=\"572\" height=\"1024\" src=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/img4-2-572x1024.jpg\" class=\"attachment-large size-large\" alt=\"Karim Hammal Service - Mortgage Renewal &amp; Refinancing\" url=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/img4-2.jpg\" source=\"library\" srcset=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/img4-2-572x1024.jpg 572w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/img4-2-167x300.jpg 167w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/img4-2-768x1376.jpg 768w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/img4-2-857x1536.jpg 857w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/img4-2.jpg 979w\" sizes=\"(max-width: 572px) 100vw, 572px\" \/><\/div><div class=\"image-box-body\">\n            <div class=\"body-inner\"><h2 class=\"body-title icon-position-before\">Renouvellement et refinancement des hypoth\u00e8ques<\/h2>\n                <div class=\"body-description\"><p>Profitez de votre renouvellement ou de votre capital pour am\u00e9liorer vos conditions, r\u00e9duire vos paiements ou atteindre vos objectifs gr\u00e2ce \u00e0 une strat\u00e9gie optimis\u00e9e.<\/p><\/div>\n                <div class=\"body-button\"><div class=\"button-box icon-position-after\"><div class=\"button-wrapper\"><a href=\"https:\/\/karimhammal.ca\/lead-submission-form\/\" target=\"_blank\">Obtenir mes options hypoth\u00e9cair<i aria-hidden=\"true\" class=\"jki jki-right-arrow1-light\"><\/i><\/a><\/div><\/div><\/div>\n                \n            <\/div>\n        <\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3201add jkit-equal-height-enable elementor-invisible elementor-widget elementor-widget-jkit_image_box\" data-id=\"3201add\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;zoomIn&quot;}\" data-widget_type=\"jkit_image_box.default\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-image-box style-default elementor-animation- jeg_module__5_6aa54398dd083\" ><div class=\"image-box-header elementor-animation-\"><img loading=\"lazy\" decoding=\"async\" width=\"572\" height=\"1024\" src=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/img4-1-572x1024.jpg\" class=\"attachment-large size-large\" alt=\"Karim Hammal Service - Debt Consolidation and Financial Solutions\" url=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/img4-1.jpg\" source=\"library\" srcset=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/img4-1-572x1024.jpg 572w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/img4-1-167x300.jpg 167w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/img4-1-768x1376.jpg 768w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/img4-1-857x1536.jpg 857w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/img4-1.jpg 979w\" sizes=\"(max-width: 572px) 100vw, 572px\" \/><\/div><div class=\"image-box-body\">\n            <div class=\"body-inner\"><h2 class=\"body-title icon-position-before\">Consolidation de dettes et solutions financi\u00e8res<\/h2>\n                <div class=\"body-description\"><p>Cartes de cr\u00e9dit, pr\u00eats, lignes de cr\u00e9dit. Regroupez vos dettes, r\u00e9duisez vos paiements et reprenez le contr\u00f4le de vos finances.<\/p><\/div>\n                <div class=\"body-button\"><div class=\"button-box icon-position-after\"><div class=\"button-wrapper\"><a href=\"https:\/\/karimhammal.ca\/lead-submission-form\/\" target=\"_blank\">Obtenir mes options hypoth\u00e9cair<i aria-hidden=\"true\" class=\"jki jki-right-arrow1-light\"><\/i><\/a><\/div><\/div><\/div>\n                \n            <\/div>\n        <\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ea2960b e-flex e-con-boxed elementor-invisible e-con e-parent\" data-id=\"ea2960b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-78d8afd elementor-widget__width-inherit elementor-widget elementor-widget-html\" data-id=\"78d8afd\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"mortgagecalculator\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div id=\"hh-mortgage-calc\">\r\n<style>\r\n#hh-mortgage-calc{--navy:#0d1b2a;--gold:#ffd700;--light:#f7f6f9;--lav:#edeaf1;--muted:#64748b;--border:#dfe3e8;background:var(--light);color:var(--navy);font:16px\/1.5 Inter,Arial,sans-serif}\r\n#hh-mortgage-calc *{box-sizing:border-box}\r\n#hh-mortgage-calc .top{background:#fff;border-bottom:1px solid var(--border)}\r\n#hh-mortgage-calc .topin,#hh-mortgage-calc .wrap{max-width:1120px;margin:auto;padding:16px}\r\n#hh-mortgage-calc .topin{display:flex;justify-content:space-between;align-items:center}\r\n#hh-mortgage-calc .brand{display:flex;gap:12px;align-items:center}\r\n#hh-mortgage-calc .logo{width:42px;height:42px;border-radius:12px;background:var(--navy);color:var(--gold);display:grid;place-items:center;font-size:21px}\r\n#hh-mortgage-calc .brand b{display:block}\r\n#hh-mortgage-calc .brand small{color:var(--muted)}\r\n#hh-mortgage-calc .lang{display:flex;padding:4px;border:1px solid var(--border);border-radius:12px}\r\n#hh-mortgage-calc .lang button{border:0;background:transparent;padding:8px 13px;border-radius:8px;font-weight:800}\r\n#hh-mortgage-calc .lang .on{background:var(--navy);color:#fff}\r\n#hh-mortgage-calc .wrap{padding-top:42px;padding-bottom:40px}\r\n#hh-mortgage-calc .kicker{color:#8c7000;font-size:13px;font-weight:800;letter-spacing:.14em;text-transform:uppercase}\r\n#hh-mortgage-calc h1{font-size:clamp(32px,5vw,52px);line-height:1.08;margin:10px 0 14px}\r\n#hh-mortgage-calc .lead{color:var(--muted);max-width:690px}\r\n#hh-mortgage-calc .cards{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:30px}\r\n#hh-mortgage-calc .choice{background:#fff;border:2px solid var(--border);border-radius:20px;padding:22px;text-align:left;cursor:pointer;min-height:178px}\r\n#hh-mortgage-calc .choice:hover,#hh-mortgage-calc .choice.active{border-color:var(--gold);background:#fffbea;  color: #0d1b2a !important;}\r\n#hh-mortgage-calc .choice .ico{width:44px;height:44px;border-radius:12px;background:var(--lav);display:grid;place-items:center;font-size:22px;margin-bottom:16px}\r\n#hh-mortgage-calc .choice.active .ico{background:var(--gold)}\r\n#hh-mortgage-calc .choice b{display:block;font-size:17px}\r\n#hh-mortgage-calc .choice span{display:block;color:var(--muted);font-size:14px;margin-top:7px}\r\n#hh-mortgage-calc .layout{display:grid;grid-template-columns:minmax(0,1fr) 360px;gap:24px;margin-top:28px}\r\n#hh-mortgage-calc .panel{background:#fff;border:1px solid var(--border);border-radius:24px;padding:28px}\r\n#hh-mortgage-calc .back{border:0;background:none;color:var(--muted);font-weight:700;cursor:pointer;margin-bottom:24px}\r\n#hh-mortgage-calc .grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}\r\n#hh-mortgage-calc .field{display:block}\r\n#hh-mortgage-calc .field>span{display:block;font-weight:700;font-size:14px;margin-bottom:7px}\r\n#hh-mortgage-calc .input{position:relative}\r\n#hh-mortgage-calc .input i{position:absolute;left:15px;top:15px;color:#94a3b8;font-style:normal}\r\n#hh-mortgage-calc .input .suffix{left:auto;right:15px}\r\n#hh-mortgage-calc .input input,#hh-mortgage-calc .field select{width:100%;height:54px;border:1px solid var(--border);border-radius:12px;background:#fff;padding:0 15px;font-size:17px;color:var(--navy)}\r\n#hh-mortgage-calc .input.money input{padding-left:31px}\r\n#hh-mortgage-calc .input.rate input{padding-right:35px}\r\n#hh-mortgage-calc .section{border-top:1px solid var(--border);margin-top:26px;padding-top:24px}\r\n#hh-mortgage-calc .section h2{margin:0 0 17px;font-size:20px}\r\n#hh-mortgage-calc .subchoice{display:flex;gap:10px;margin-bottom:22px}\r\n#hh-mortgage-calc .subchoice button{flex:1;padding:14px;border:2px solid var(--border);border-radius:12px;background:#fff;font-weight:800}\r\n#hh-mortgage-calc .subchoice .on{border-color:var(--gold);background:#fffbea}\r\n#hh-mortgage-calc .result{background:var(--navy);color:#fff;border-radius:24px;padding:30px;position:sticky;top:20px}\r\n#hh-mortgage-calc .eyebrow{color:var(--gold);font-size:12px;font-weight:800;text-transform:uppercase;letter-spacing:.12em}\r\n#hh-mortgage-calc .big{font-size:40px;font-weight:900;margin:8px 0 22px}\r\n#hh-mortgage-calc .stats{display:grid;grid-template-columns:1fr 1fr;gap:9px}\r\n#hh-mortgage-calc .stat{background:#ffffff12;border-radius:12px;padding:13px}\r\n#hh-mortgage-calc .stat small{color:#cbd5e1}\r\n#hh-mortgage-calc .stat strong{display:block;margin-top:4px}\r\n#hh-mortgage-calc .insurance{grid-column:1\/-1;border:1px solid #ffd70066;background:#ffd70016;border-radius:15px;padding:16px;margin-top:5px}\r\n#hh-mortgage-calc .insurance h3{color:var(--gold);font-size:15px;margin:0 0 8px}\r\n#hh-mortgage-calc .line{display:flex;justify-content:space-between;gap:12px;margin-top:10px;font-size:13px}\r\n#hh-mortgage-calc .insurance p{color:#dbe3eb;font-size:12px;margin:11px 0 0}\r\n#hh-mortgage-calc .cta{display:block;background:var(--gold);color:var(--navy);text-align:center;text-decoration:none;font-weight:900;border-radius:12px;padding:14px;margin-top:20px}\r\n\r\n#hh-mortgage-calc .cta:hover{background:#f7f6f9;}\r\n#hh-mortgage-calc .note{background:#fff;border:1px solid var(--border);border-radius:16px;padding:16px;margin-top:14px;color:var(--muted);font-size:13px}\r\n#hh-mortgage-calc .warning{background:#fff7dc;border:1px solid #f4d46c;border-radius:12px;padding:13px;color:#785c00;margin-top:15px}\r\n#hh-mortgage-calc .footer{border-top:1px solid var(--border);margin-top:35px;padding-top:20px;color:var(--muted);font-size:11px}\r\n#hh-mortgage-calc .hidden{display:none!important}\r\n@media(max-width:850px){#hh-mortgage-calc .cards,#hh-mortgage-calc .layout{grid-template-columns:1fr}#hh-mortgage-calc .result{position:static}#hh-mortgage-calc .grid{grid-template-columns:1fr}}\r\n@media(max-width:520px){#hh-mortgage-calc .wrap,#hh-mortgage-calc .topin{padding-left:15px;padding-right:15px}#hh-mortgage-calc .panel,#hh-mortgage-calc .result{padding:20px}#hh-mortgage-calc .stats{grid-template-columns:1fr}#hh-mortgage-calc .insurance{grid-column:auto}#hh-mortgage-calc .brand small{display:none}}\r\n<\/style>\r\n<header class=\"top\"><div class=\"topin\" style=\"display: none;\"><div class=\"brand\"><div class=\"logo\">\u2302<\/div><div><b data-t=\"title\">Mortgage Calculator<\/b><small data-t=\"subtitle\">Built for Canadian homebuyers<\/small><\/div><\/div><div class=\"lang\"><button id=\"hh-en\" class=\"on\">EN<\/button><button id=\"hh-fr\">FR<\/button><\/div><\/div><\/header>\r\n<main class=\"wrap\"><div class=\"kicker\" data-t=\"kicker\">Simple answers. Clear numbers.<\/div><h1 id=\"hh-heading\"><\/h1><p class=\"lead\" id=\"hh-lead\"><\/p>\r\n<div id=\"hh-menu\" class=\"cards\"><\/div><div id=\"hh-workspace\" class=\"layout hidden\"><section class=\"panel\"><button class=\"back\" id=\"hh-back\">\u2190 <span data-t=\"change\">Change calculator<\/span><\/button><div id=\"hh-form\"><\/div><\/section><aside><div id=\"hh-result\" class=\"result\"><\/div><div class=\"note\"><b data-t=\"rules\">Canadian rules applied<\/b><br><span data-t=\"ruleText\">Payments use Canadian semi-annual compounding. Qualification uses the greater of 5.25% or the contract rate + 2%.<\/span><\/div><\/aside><\/div>\r\n<div class=\"footer\" data-t=\"disclaimer\">Calculations are estimates for informational purposes only and do not constitute mortgage approval or a commitment to lend. Actual qualification, rates, payments and mortgage amounts may vary based on lender requirements, credit, income verification, property details and applicable Canadian lending guidelines.<\/div><\/main>\r\n<\/div>\r\n<script>\r\n(function(){\r\nconst root=document.getElementById('hh-mortgage-calc');\r\nconst en=root.querySelector('#hh-en'),fr=root.querySelector('#hh-fr'),heading=root.querySelector('#hh-heading'),lead=root.querySelector('#hh-lead'),menu=root.querySelector('#hh-menu'),workspace=root.querySelector('#hh-workspace'),form=root.querySelector('#hh-form'),result=root.querySelector('#hh-result'),back=root.querySelector('#hh-back');\r\nconst D={en:{title:\"Mortgage Calculator\",subtitle:\"Built for Canadian homebuyers\",kicker:\"Simple answers. Clear numbers.\",homeH:\"What would you like to calculate?\",homeL:\"Choose an option and we\u2019ll guide you through it.\",change:\"Change calculator\",rules:\"Canadian rules applied\",ruleText:\"Payments use Canadian semi-annual compounding. Qualification uses the greater of 5.25% or the contract rate + 2%.\",disclaimer:\"Calculations are estimates for informational purposes only and do not constitute mortgage approval or a commitment to lend. Actual qualification, rates, payments and mortgage amounts may vary based on lender requirements, credit, income verification, property details and applicable Canadian lending guidelines.\",borrow:\"How much can I borrow?\",borrowD:\"Estimate your maximum purchase price and mortgage.\",renew:\"Renew or refinance\",renewD:\"Explore a new payment or access your home equity.\",payment:\"Mortgage payment\",paymentD:\"Calculate payments when you know your purchase price.\",borrowH:\"Find your buying power\",renewH:\"Plan your next mortgage\",paymentH:\"Calculate your payment\",income:\"Your annual income\",co:\"Co-applicant income\",other:\"Other qualifying income\",down:\"Available down payment\",debts:\"Total monthly debt payments\",condo:\"Monthly condo fees\",taxes:\"Annual property taxes\",heat:\"Monthly heating\",rate:\"Mortgage rate\",amort:\"Amortization\",years:\"years\",eligible:\"when eligible\",property:\"Current property value\",balance:\"Current mortgage balance\",current:\"Current payment\",funds:\"Additional funds requested\",newRate:\"New proposed rate\",renewChoice:\"Renew my mortgage\",refiChoice:\"Access equity\",price:\"Purchase price\",frequency:\"Payment frequency\",monthly:\"Monthly\",biweekly:\"Bi-weekly\",abiweekly:\"Accelerated bi-weekly\",weekly:\"Weekly\",aweekly:\"Accelerated weekly\",maxPrice:\"Estimated maximum purchase price\",maxMortgage:\"Maximum mortgage\",estPay:\"Estimated payment\",qualRate:\"Qualification rate\",newPay:\"Estimated new payment\",newMortgage:\"Estimated new mortgage\",difference:\"Payment difference\",equity:\"Potential equity available\",ltv:\"Loan-to-value\",base:\"Base mortgage\",total:\"Total mortgage\",book:\"Book an Appointment With Me\",insurance:\"Mortgage insurance applies\",insuranceText:\"Because the down payment is less than 20%, mortgage default insurance is required.\",premium:\"Insurance premium \u2014 added to mortgage\",premiumTax:\"Qu\u00e9bec insurance tax (9%) \u2014 paid at notary\",taxNote:\"The premium may be added to the mortgage. The 9% Qu\u00e9bec tax cannot be financed and must normally be paid in cash at closing.\",minDown:\"The minimum down payment for this price is\",limit:\"Requested funds exceed the typical 80% refinance limit. The estimate has been capped.\"},\r\nfr:{title:\"Calculatrice hypoth\u00e9caire\",subtitle:\"Con\u00e7ue pour les acheteurs canadiens\",kicker:\"Des r\u00e9ponses simples. Des chiffres clairs.\",homeH:\"Que souhaitez-vous calculer?\",homeL:\"Choisissez une option et nous vous guiderons.\",change:\"Changer de calculatrice\",rules:\"R\u00e8gles canadiennes appliqu\u00e9es\",ruleText:\"Les paiements utilisent la capitalisation semestrielle canadienne. La qualification utilise le plus \u00e9lev\u00e9 de 5,25 % ou du taux contractuel major\u00e9 de 2 %.\",disclaimer:\"Les calculs sont des estimations fournies \u00e0 titre informatif seulement et ne constituent ni une approbation hypoth\u00e9caire ni un engagement de pr\u00eat. Les r\u00e9sultats peuvent varier selon les exigences du pr\u00eateur, le cr\u00e9dit, les revenus, la propri\u00e9t\u00e9 et les r\u00e8gles applicables.\",borrow:\"Combien puis-je emprunter?\",borrowD:\"Estimez votre prix d\u2019achat et votre pr\u00eat maximal.\",renew:\"Renouveler ou refinancer\",renewD:\"Estimez un nouveau paiement ou acc\u00e9dez \u00e0 votre \u00e9quit\u00e9.\",payment:\"Paiement hypoth\u00e9caire\",paymentD:\"Calculez vos paiements \u00e0 partir du prix d\u2019achat.\",borrowH:\"D\u00e9couvrez votre capacit\u00e9 d\u2019achat\",renewH:\"Planifiez votre prochaine hypoth\u00e8que\",paymentH:\"Calculez votre paiement\",income:\"Votre revenu annuel\",co:\"Revenu du coemprunteur\",other:\"Autres revenus admissibles\",down:\"Mise de fonds disponible\",debts:\"Paiements mensuels de dettes\",condo:\"Frais de condo mensuels\",taxes:\"Taxes fonci\u00e8res annuelles\",heat:\"Chauffage mensuel\",rate:\"Taux hypoth\u00e9caire\",amort:\"Amortissement\",years:\"ans\",eligible:\"si admissible\",property:\"Valeur actuelle de la propri\u00e9t\u00e9\",balance:\"Solde hypoth\u00e9caire actuel\",current:\"Paiement actuel\",funds:\"Fonds suppl\u00e9mentaires demand\u00e9s\",newRate:\"Nouveau taux propos\u00e9\",renewChoice:\"Renouveler mon hypoth\u00e8que\",refiChoice:\"Acc\u00e9der \u00e0 l\u2019\u00e9quit\u00e9\",price:\"Prix d\u2019achat\",frequency:\"Fr\u00e9quence des paiements\",monthly:\"Mensuel\",biweekly:\"Aux deux semaines\",abiweekly:\"Aux deux semaines acc\u00e9l\u00e9r\u00e9\",weekly:\"Hebdomadaire\",aweekly:\"Hebdomadaire acc\u00e9l\u00e9r\u00e9\",maxPrice:\"Prix d\u2019achat maximal estim\u00e9\",maxMortgage:\"Hypoth\u00e8que maximale\",estPay:\"Paiement estim\u00e9\",qualRate:\"Taux de qualification\",newPay:\"Nouveau paiement estim\u00e9\",newMortgage:\"Nouvelle hypoth\u00e8que estim\u00e9e\",difference:\"\u00c9cart de paiement\",equity:\"\u00c9quit\u00e9 potentiellement disponible\",ltv:\"Ratio pr\u00eat-valeur\",base:\"Hypoth\u00e8que de base\",total:\"Hypoth\u00e8que totale\",book:\"Prendre rendez-vous avec moi\",insurance:\"Assurance pr\u00eat hypoth\u00e9caire requise\",insuranceText:\"Comme la mise de fonds est inf\u00e9rieure \u00e0 20 %, une assurance pr\u00eat hypoth\u00e9caire est requise.\",premium:\"Prime d\u2019assurance \u2014 ajout\u00e9e \u00e0 l\u2019hypoth\u00e8que\",premiumTax:\"Taxe du Qu\u00e9bec (9 %) \u2014 payable chez le notaire\",taxNote:\"La prime peut \u00eatre ajout\u00e9e \u00e0 l\u2019hypoth\u00e8que. La taxe qu\u00e9b\u00e9coise de 9 % ne peut pas \u00eatre financ\u00e9e et doit normalement \u00eatre pay\u00e9e comptant \u00e0 la signature.\",minDown:\"La mise de fonds minimale pour ce prix est\",limit:\"Les fonds demand\u00e9s d\u00e9passent la limite habituelle de refinancement de 80 %. L\u2019estimation a \u00e9t\u00e9 plafonn\u00e9e.\"}};\r\nlet lang=\"fr\",mode=\"borrow\",kind=\"renewal\";const S={borrow:{income:90000,co:0,other:0,debts:0,down:50000,taxes:4200,heat:120,condo:0,rate:4.1,years:25},renew:{value:650000,balance:400000,current:2200,rate:4.1,years:25,funds:50000},payment:{price:600000,down:120000,rate:4.1,years:25,freq:\"monthly\"}};\r\nconst t=k=>D[lang][k],fmt=n=>new Intl.NumberFormat(lang===\"fr\"?\"fr-CA\":\"en-CA\",{style:\"currency\",currency:\"CAD\",maximumFractionDigits:0}).format(Math.max(0,n||0)),fmt2=n=>new Intl.NumberFormat(lang===\"fr\"?\"fr-CA\":\"en-CA\",{style:\"currency\",currency:\"CAD\",maximumFractionDigits:2}).format(Math.max(0,n||0));\r\nfunction minDown(p){return p>=1500000?p*.2:p<=500000?p*.05:25000+(p-500000)*.1}function details(p,d,y=25){d=Math.min(p,Math.max(0,d));let base=Math.max(0,p-d),ltv=p?base\/p:0,insured=p<1500000&&ltv>.8&&d>=minDown(p),r=!insured?0:ltv<=.85?.028:ltv<=.9?.031:.04;if(insured&&y>25)r+=.002;let premium=base*r;return{base,ltv,premium,premiumTax:premium*.09,total:base+premium,insured}}function pay(P,r,y,f=\"monthly\"){if(f===\"abiweekly\")return pay(P,r,y)\/2;if(f===\"aweekly\")return pay(P,r,y)\/4;let n=f===\"monthly\"?12:f===\"biweekly\"?26:52,i=Math.pow(1+r\/200,2\/n)-1,N=y*n;return i?P*i\/(1-Math.pow(1+i,-N)):P\/N}\r\nfunction moneyInput(k,label,v){return `<label class=\"field\"><span>${label}<\/span><div class=\"input money\"><i>$<\/i><input data-k=\"${k}\" value=\"${v?Number(v).toLocaleString(\"en-CA\"):\"\"}\" inputmode=\"decimal\"><\/div><\/label>`}function rateInput(k,label,v){return `<label class=\"field\"><span>${label}<\/span><div class=\"input rate\"><input data-k=\"${k}\" value=\"${v}\"><i class=\"suffix\">%<\/i><\/div><\/label>`}function years(k,v){return `<label class=\"field\"><span>${t(\"amort\")}<\/span><select data-k=\"${k}\">${[10,15,20,25,30].map(x=>`<option ${x==v?\"selected\":\"\"} value=\"${x}\">${x} ${t(\"years\")}${x==30?\" (\"+t(\"eligible\")+\")\":\"\"}<\/option>`).join(\"\")}<\/select><\/label>`}function stat(l,v){return `<div class=\"stat\"><small>${l}<\/small><strong>${v}<\/strong><\/div>`}function insurance(d){return !d.premium?\"\":`<div class=\"insurance\"><h3>\u2713 ${t(\"insurance\")}<\/h3><p>${t(\"insuranceText\")}<\/p><div class=\"line\"><span>${t(\"premium\")}<\/span><b>${fmt(d.premium)}<\/b><\/div><div class=\"line\"><span>${t(\"premiumTax\")}<\/span><b>${fmt(d.premiumTax)}<\/b><\/div><p>${t(\"taxNote\")}<\/p><\/div>`}\r\nfunction render(){root.querySelectorAll(\"[data-t]\").forEach(e=>e.textContent=t(e.dataset.t));en.classList.toggle(\"on\",lang===\"en\");fr.classList.toggle(\"on\",lang===\"fr\");heading.textContent=mode?t(mode+\"H\"):t(\"homeH\");lead.textContent=mode?\"\":t(\"homeL\");menu.innerHTML=[\"borrow\",\"renew\",\"payment\"].map(m=>`<button class=\"choice ${mode===m?\"active\":\"\"}\" data-mode=\"${m}\"><div class=\"ico\">${m===\"borrow\"?\"$\":m===\"renew\"?\"\u21bb\":\"\u2315\"}<\/div><b>${t(m)}<\/b><span>${t(m+\"D\")}<\/span><\/button>`).join(\"\");workspace.classList.toggle(\"hidden\",!mode);if(!mode)return;renderForm();renderResult()}\r\nfunction renderForm(){let s=S[mode],html=\"\";if(mode===\"borrow\")html=`<div class=\"grid\">${moneyInput(\"income\",t(\"income\"),s.income)}${moneyInput(\"co\",t(\"co\"),s.co)}${moneyInput(\"other\",t(\"other\"),s.other)}${moneyInput(\"down\",t(\"down\"),s.down)}<\/div><div class=\"section\"><div class=\"grid\">${moneyInput(\"debts\",t(\"debts\"),s.debts)}${moneyInput(\"condo\",t(\"condo\"),s.condo)}${moneyInput(\"taxes\",t(\"taxes\"),s.taxes)}${moneyInput(\"heat\",t(\"heat\"),s.heat)}<\/div><\/div><div class=\"section grid\">${rateInput(\"rate\",t(\"rate\"),s.rate)}${years(\"years\",s.years)}<\/div>`;if(mode===\"renew\")html=`<div class=\"subchoice\"><button data-kind=\"renewal\" class=\"${kind===\"renewal\"?\"on\":\"\"}\">${t(\"renewChoice\")}<\/button><button data-kind=\"refinance\" class=\"${kind===\"refinance\"?\"on\":\"\"}\">${t(\"refiChoice\")}<\/button><\/div><div class=\"grid\">${kind===\"refinance\"?moneyInput(\"value\",t(\"property\"),s.value):\"\"}${moneyInput(\"balance\",t(\"balance\"),s.balance)}${moneyInput(\"current\",t(\"current\"),s.current)}${kind===\"refinance\"?moneyInput(\"funds\",t(\"funds\"),s.funds):\"\"}${rateInput(\"rate\",t(\"newRate\"),s.rate)}${years(\"years\",s.years)}<\/div>`;if(mode===\"payment\")html=`<div class=\"grid\">${moneyInput(\"price\",t(\"price\"),s.price)}${moneyInput(\"down\",t(\"down\"),s.down)}${rateInput(\"rate\",t(\"rate\"),s.rate)}${years(\"years\",s.years)}<label class=\"field\"><span>${t(\"frequency\")}<\/span><select data-k=\"freq\">${[\"monthly\",\"biweekly\",\"abiweekly\",\"weekly\",\"aweekly\"].map(x=>`<option value=\"${x}\" ${s.freq===x?\"selected\":\"\"}>${t(x)}<\/option>`).join(\"\")}<\/select><\/label><\/div>`;form.innerHTML=html}\r\nfunction renderResult(){let html=\"\";if(mode===\"borrow\"){let s=S.borrow,inc=(s.income+s.co+s.other)\/12,q=Math.max(5.25,s.rate+2),budget=Math.max(0,Math.min(inc*.39,inc*.44-s.debts)-s.taxes\/12-s.heat-s.condo*.5),lo=0,hi=Math.max(100000,inc*144+s.down);for(let i=0;i<70;i++){let p=(lo+hi)\/2,d=details(p,s.down,s.years),ok=s.down>=minDown(p)&&(d.ltv<=.8||d.insured)&&pay(d.total,q,s.years)<=budget;if(ok)lo=p;else hi=p}let d=details(lo,s.down,s.years);html=`<div class=\"eyebrow\">${t(\"maxPrice\")}<\/div><div class=\"big\">${fmt(lo)}<\/div><div class=\"stats\">${stat(t(\"maxMortgage\"),fmt(d.total))}${stat(t(\"down\"),fmt(s.down))}${stat(t(\"estPay\"),fmt2(pay(d.total,s.rate,s.years)))}${stat(t(\"qualRate\"),q.toFixed(2)+\"%\")}${insurance(d)}<\/div>`}if(mode===\"renew\"){let s=S.renew,max=s.value*.8,avail=Math.max(0,max-s.balance),extra=kind===\"refinance\"?Math.min(s.funds,avail):0,total=s.balance+extra,pmt=pay(total,s.rate,s.years),limited=kind===\"refinance\"&&s.funds>avail;html=`<div class=\"eyebrow\">${kind===\"renewal\"?t(\"newPay\"):t(\"newMortgage\")}<\/div><div class=\"big\">${kind===\"renewal\"?fmt2(pmt):fmt(total)}<\/div><div class=\"stats\">${stat(t(\"current\"),fmt2(s.current))}${stat(t(\"difference\"),(pmt-s.current>=0?\"+\":\"\u2212\")+fmt2(Math.abs(pmt-s.current)))}${kind===\"refinance\"?stat(t(\"equity\"),fmt(avail))+stat(t(\"ltv\"),(total\/s.value*100).toFixed(1)+\"%\"):\"\"}<\/div>${limited?`<div class=\"warning\">${t(\"limit\")}<\/div>`:\"\"}`}if(mode===\"payment\"){let s=S.payment,d=details(s.price,s.down,s.years),valid=s.down>=minDown(s.price);html=`<div class=\"eyebrow\">${t(\"estPay\")}<\/div><div class=\"big\">${valid?fmt2(pay(d.total,s.rate,s.years,s.freq)):\"\u2014\"}<\/div><div class=\"stats\">${stat(t(\"price\"),fmt(s.price))}${stat(t(\"down\"),fmt(s.down))}${stat(t(\"base\"),fmt(d.base))}${stat(t(\"total\"),fmt(d.total))}${insurance(d)}<\/div>${valid?\"\":`<div class=\"warning\">${t(\"minDown\")} ${fmt(minDown(s.price))}.<\/div>`}`}result.innerHTML=html+`<a class=\"cta\" href=\"https:\/\/calendar.google.com\/calendar\/u\/0\/appointments\/schedules\/AcZssZ16ZIJkVlKmwDGz3Xq4IE5lqTj5n-KJJGbsLe2OAIj7rIgTnq0GTzqXpYWn3hjbaCG1SmB_mc0i\">${t(\"book\")} \u2192<\/a>`}\r\nroot.addEventListener(\"click\",e=>{let m=e.target.closest(\"[data-mode]\"),k=e.target.closest(\"[data-kind]\");if(m){mode=m.dataset.mode;render()}if(k){kind=k.dataset.kind;render()} });root.addEventListener(\"input\",e=>{if(!e.target.dataset.k)return;let k=e.target.dataset.k,v=e.target.tagName===\"SELECT\"?e.target.value:Number(e.target.value.replace(\/[^0-9.]\/g,\"\"))||0;S[mode][k]=k===\"years\"?Number(v):v;renderResult()});en.onclick=()=>{lang=\"en\";render()};fr.onclick=()=>{lang=\"fr\";render()};back.onclick=()=>{mode=\"\";render()};render();\r\n})();\r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b4ab0f9 e-flex e-con-boxed e-con e-parent\" data-id=\"b4ab0f9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8b69ebf elementor-widget__width-initial elementor-widget elementor-widget-jkit_heading\" data-id=\"8b69ebf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_heading.default\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-heading  align-center align-tablet- align-mobile- jeg_module__6_6aa54398deae4\" ><h3 class=\"heading-section-subtitle  style-color\">Courtier en hypoth\u00e8ques ou banque - Quelle est la diff\u00e9rence ?<\/h3><div class=\"heading-section-title  display-inline-block\"><h2 class=\"heading-title\">Comparez vos options et voyez pourquoi les conseils d&#039;un courtier font une r\u00e9elle diff\u00e9rence.<\/h2><\/div><div class=\"heading-section-separator\"><div class=\"separator-wrapper style-solid\"><\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f943071 e-con-full elementor-hidden-mobile e-flex elementor-invisible e-con e-child\" data-id=\"f943071\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;zoomIn&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-ad6bffd e-con-full e-flex e-con e-child\" data-id=\"ad6bffd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-cbdf893 e-con-full e-flex e-con e-child\" data-id=\"cbdf893\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-83a7256 elementor-widget elementor-widget-heading\" data-id=\"83a7256\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">COURTIER EN HYPOTH\u00c8QUES<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ebc5910 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"ebc5910\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d467646 e-con-full box-shadow e-flex e-con e-child\" data-id=\"d467646\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-71dd7bd elementor-widget elementor-widget-heading\" data-id=\"71dd7bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">DOSSIER\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ce8e977 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"ce8e977\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c973018 e-con-full e-flex e-con e-child\" data-id=\"c973018\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cf3714e elementor-widget elementor-widget-heading\" data-id=\"cf3714e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">BANQUE (DIRECTE)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3e31caf elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"3e31caf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f0c2881 e-con-full e-flex e-con e-child\" data-id=\"f0c2881\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-587da4a e-con-full e-flex e-con e-child\" data-id=\"587da4a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-85c9a25 elementor-widget elementor-widget-heading\" data-id=\"85c9a25\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Acc\u00e8s \u00e0 un large panel de pr\u00eateurs et \u00e0 des centaines de produits de pr\u00eat.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c32c7cd elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"c32c7cd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5d32190 e-con-full box-shadow e-flex e-con e-child\" data-id=\"5d32190\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-a2f0d9c e-con-full e-flex e-con e-child\" data-id=\"a2f0d9c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c6b6ce4 elementor-widget elementor-widget-image\" data-id=\"c6b6ce4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"512\" height=\"512\" src=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/choice.png\" class=\"attachment-large size-large wp-image-113\" alt=\"Mortgage Broker vs. Bank \u2014 Choice\" srcset=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/choice.png 512w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/choice-300x300.png 300w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/choice-150x150.png 150w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2a2b73e elementor-widget elementor-widget-heading\" data-id=\"2a2b73e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">CHOIX<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3f14556 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"3f14556\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-45f0726 e-con-full e-flex e-con e-child\" data-id=\"45f0726\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0c94e0c elementor-widget elementor-widget-heading\" data-id=\"0c94e0c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Limit\u00e9 aux produits offerts par cette seule banque.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c8d322f elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"c8d322f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ca75bc4 e-con-full e-flex e-con e-child\" data-id=\"ca75bc4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-8aebd9a e-con-full e-flex e-con e-child\" data-id=\"8aebd9a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2ef7a0d elementor-widget elementor-widget-heading\" data-id=\"2ef7a0d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Travaille pour vous, le client. L\u00e9galement li\u00e9 par l'obligation d'int\u00e9r\u00eat sup\u00e9rieur.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-def4a4a elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"def4a4a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8be4c85 e-con-full box-shadow e-flex e-con e-child\" data-id=\"8be4c85\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-2ef6d56 e-con-full e-flex e-con e-child\" data-id=\"2ef6d56\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-03eddd0 elementor-widget elementor-widget-image\" data-id=\"03eddd0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"512\" height=\"512\" src=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/hand-shake.png\" class=\"attachment-large size-large wp-image-134\" alt=\"Mortgage Broker vs. Bank \u2014 ALLEGIANCE\" srcset=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/hand-shake.png 512w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/hand-shake-300x300.png 300w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/hand-shake-150x150.png 150w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-44168cd elementor-widget elementor-widget-heading\" data-id=\"44168cd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">ALLEGANCE<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-74e099b elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"74e099b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e76ae2d e-con-full e-flex e-con e-child\" data-id=\"e76ae2d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-948c2ae elementor-widget elementor-widget-heading\" data-id=\"948c2ae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Travaille pour la banque. Son premier devoir est envers son employeur.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c06f68 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"3c06f68\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4a8ccf2 e-con-full e-flex e-con e-child\" data-id=\"4a8ccf2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-00c63d3 e-con-full e-flex e-con e-child\" data-id=\"00c63d3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d092e13 elementor-widget elementor-widget-heading\" data-id=\"d092e13\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Fournit des conseils personnalis\u00e9s sur la base d'une comparaison du march\u00e9 au sens large.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fa37868 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"fa37868\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1cb6fd9 e-con-full box-shadow e-flex e-con e-child\" data-id=\"1cb6fd9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-44a91fa e-con-full e-flex e-con e-child\" data-id=\"44a91fa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ab56447 elementor-widget elementor-widget-image\" data-id=\"ab56447\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"512\" height=\"512\" src=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/advice.png\" class=\"attachment-large size-large wp-image-133\" alt=\"Mortgage Broker vs. Bank \u2014 ADVISE\" srcset=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/advice.png 512w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/advice-300x300.png 300w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/advice-150x150.png 150w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bdb5eea elementor-widget elementor-widget-heading\" data-id=\"bdb5eea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">CONSEILLER<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c8cefd1 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"c8cefd1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a083be3 e-con-full e-flex e-con e-child\" data-id=\"a083be3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7afb7cf elementor-widget elementor-widget-heading\" data-id=\"7afb7cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Ne fournit des informations que sur ses propres produits<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cc9b11c elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"cc9b11c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bd8d84e e-con-full e-flex e-con e-child\" data-id=\"bd8d84e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-b685702 e-con-full e-flex e-con e-child\" data-id=\"b685702\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-baba936 elementor-widget elementor-widget-heading\" data-id=\"baba936\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">G\u00e8re l'ensemble du processus, de la recherche au r\u00e8glement.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b2fb03a e-con-full box-shadow e-flex e-con e-child\" data-id=\"b2fb03a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-e72ceba e-con-full e-flex e-con e-child\" data-id=\"e72ceba\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-be74efa elementor-widget elementor-widget-image\" data-id=\"be74efa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"512\" height=\"512\" src=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/social-media.png\" class=\"attachment-large size-large wp-image-132\" alt=\"Mortgage Broker vs. Bank \u2014 Service\" srcset=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/social-media.png 512w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/social-media-300x300.png 300w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/social-media-150x150.png 150w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-49fdb82 elementor-widget elementor-widget-heading\" data-id=\"49fdb82\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">SERVICE<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-60a6dfb e-con-full e-flex e-con e-child\" data-id=\"60a6dfb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-425b525 elementor-widget elementor-widget-heading\" data-id=\"425b525\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Vous g\u00e9rez vous-m\u00eame une grande partie de la comparaison et de la recherche.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7e872af e-con-full elementor-hidden-desktop elementor-hidden-tablet e-flex elementor-invisible e-con e-child\" data-id=\"7e872af\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;zoomIn&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-b4b5b58 e-con-full e-flex e-con e-child\" data-id=\"b4b5b58\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-5a1bd52 e-con-full e-flex e-con e-child\" data-id=\"5a1bd52\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c62e985 elementor-widget elementor-widget-heading\" data-id=\"c62e985\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">COURTIER EN HYPOTH\u00c8QUES\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e1aab16 e-con-full box-shadow e-flex e-con e-child\" data-id=\"e1aab16\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-161fb2c elementor-widget elementor-widget-heading\" data-id=\"161fb2c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">DOSSIER\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0330f59 e-con-full e-flex e-con e-child\" data-id=\"0330f59\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-e2c2c62 e-con-full e-flex e-con e-child\" data-id=\"e2c2c62\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3d61e7b elementor-widget elementor-widget-heading\" data-id=\"3d61e7b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Acc\u00e8s \u00e0 un large panel de pr\u00eateurs et \u00e0 des centaines de produits de pr\u00eat.\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4d36203 e-con-full box-shadow e-flex e-con e-child\" data-id=\"4d36203\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-cd08e1d e-con-full e-flex e-con e-child\" data-id=\"cd08e1d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c225508 elementor-widget elementor-widget-image\" data-id=\"c225508\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"512\" height=\"512\" src=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/choice.png\" class=\"attachment-large size-large wp-image-113\" alt=\"Mortgage Broker vs. Bank \u2014 Choice\" srcset=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/choice.png 512w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/choice-300x300.png 300w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/choice-150x150.png 150w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-392da20 elementor-widget elementor-widget-heading\" data-id=\"392da20\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">CHOIX<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0473a3a e-con-full e-flex e-con e-child\" data-id=\"0473a3a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-134a54c e-con-full e-flex e-con e-child\" data-id=\"134a54c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a374cb6 elementor-widget elementor-widget-heading\" data-id=\"a374cb6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Travaille pour vous, le client. L\u00e9galement li\u00e9 par l'obligation d'int\u00e9r\u00eat sup\u00e9rieur.\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dd4d590 e-con-full box-shadow e-flex e-con e-child\" data-id=\"dd4d590\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-fddd09b e-con-full e-flex e-con e-child\" data-id=\"fddd09b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7c10aeb elementor-widget elementor-widget-image\" data-id=\"7c10aeb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"512\" height=\"512\" src=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/hand-shake.png\" class=\"attachment-large size-large wp-image-134\" alt=\"Mortgage Broker vs. Bank \u2014 ALLEGIANCE\" srcset=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/hand-shake.png 512w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/hand-shake-300x300.png 300w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/hand-shake-150x150.png 150w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cf89b29 elementor-widget elementor-widget-heading\" data-id=\"cf89b29\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">ALLEGANCE<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2ed5fcc e-con-full e-flex e-con e-child\" data-id=\"2ed5fcc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-c758970 e-con-full e-flex e-con e-child\" data-id=\"c758970\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-04b905d elementor-widget elementor-widget-heading\" data-id=\"04b905d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Fournit des conseils personnalis\u00e9s sur la base d'une comparaison du march\u00e9 au sens large.\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-920f2cc e-con-full box-shadow e-flex e-con e-child\" data-id=\"920f2cc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-a5622b8 e-con-full e-flex e-con e-child\" data-id=\"a5622b8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e7284ba elementor-widget elementor-widget-image\" data-id=\"e7284ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"512\" height=\"512\" src=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/advice.png\" class=\"attachment-large size-large wp-image-133\" alt=\"Mortgage Broker vs. Bank \u2014 ADVISE\" srcset=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/advice.png 512w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/advice-300x300.png 300w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/advice-150x150.png 150w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8b9f979 elementor-widget elementor-widget-heading\" data-id=\"8b9f979\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">CONSEILLER<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0b537b4 e-con-full e-flex e-con e-child\" data-id=\"0b537b4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-b846f4f e-con-full e-flex e-con e-child\" data-id=\"b846f4f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7bbfc59 elementor-widget elementor-widget-heading\" data-id=\"7bbfc59\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">G\u00e8re l'ensemble du processus, de la recherche au r\u00e8glement.\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-54bdd52 e-con-full box-shadow e-flex e-con e-child\" data-id=\"54bdd52\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-8068615 e-con-full e-flex e-con e-child\" data-id=\"8068615\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-678e3f6 elementor-widget elementor-widget-image\" data-id=\"678e3f6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"512\" height=\"512\" src=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/social-media.png\" class=\"attachment-large size-large wp-image-132\" alt=\"Mortgage Broker vs. Bank \u2014 Service\" srcset=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/social-media.png 512w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/social-media-300x300.png 300w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/social-media-150x150.png 150w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3e9659b elementor-widget elementor-widget-heading\" data-id=\"3e9659b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">SERVICE<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dfbae4a e-con-full elementor-hidden-desktop elementor-hidden-tablet e-flex elementor-invisible e-con e-child\" data-id=\"dfbae4a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;zoomIn&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-d14ec58 e-con-full e-flex e-con e-child\" data-id=\"d14ec58\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-300cb07 e-con-full e-flex e-con e-child\" data-id=\"300cb07\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6141310 elementor-widget elementor-widget-heading\" data-id=\"6141310\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">BANQUE (DIRECTE)\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-efef5d7 e-con-full box-shadow e-flex e-con e-child\" data-id=\"efef5d7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9222c43 elementor-widget elementor-widget-heading\" data-id=\"9222c43\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">DOSSIER\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f6f6051 e-con-full e-flex e-con e-child\" data-id=\"f6f6051\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-40d0204 e-con-full e-flex e-con e-child\" data-id=\"40d0204\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e2cd1ca elementor-widget elementor-widget-heading\" data-id=\"e2cd1ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Limit\u00e9 aux produits offerts par cette seule banque.\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9a348a7 e-con-full box-shadow e-flex e-con e-child\" data-id=\"9a348a7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-4c2a1e6 e-con-full e-flex e-con e-child\" data-id=\"4c2a1e6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a489aee elementor-widget elementor-widget-image\" data-id=\"a489aee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"512\" height=\"512\" src=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/choice.png\" class=\"attachment-large size-large wp-image-113\" alt=\"Mortgage Broker vs. Bank \u2014 Choice\" srcset=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/choice.png 512w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/choice-300x300.png 300w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/choice-150x150.png 150w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7084293 elementor-widget elementor-widget-heading\" data-id=\"7084293\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">CHOIX<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4454672 e-con-full e-flex e-con e-child\" data-id=\"4454672\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-dfc725d e-con-full e-flex e-con e-child\" data-id=\"dfc725d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f78712d elementor-widget elementor-widget-heading\" data-id=\"f78712d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Travaille pour la banque. Son premier devoir est envers son employeur.\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c57c29d e-con-full box-shadow e-flex e-con e-child\" data-id=\"c57c29d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-d77563c e-con-full e-flex e-con e-child\" data-id=\"d77563c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1bb96c1 elementor-widget elementor-widget-image\" data-id=\"1bb96c1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"512\" height=\"512\" src=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/hand-shake.png\" class=\"attachment-large size-large wp-image-134\" alt=\"Mortgage Broker vs. Bank \u2014 ALLEGIANCE\" srcset=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/hand-shake.png 512w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/hand-shake-300x300.png 300w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/hand-shake-150x150.png 150w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9e1f44a elementor-widget elementor-widget-heading\" data-id=\"9e1f44a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">ALLEGANCE\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b764d06 e-con-full e-flex e-con e-child\" data-id=\"b764d06\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-9d00596 e-con-full e-flex e-con e-child\" data-id=\"9d00596\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-30d0323 elementor-widget elementor-widget-heading\" data-id=\"30d0323\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Ne fournit des informations que sur ses propres produits.\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ee37628 e-con-full box-shadow e-flex e-con e-child\" data-id=\"ee37628\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-d4ce5c1 e-con-full e-flex e-con e-child\" data-id=\"d4ce5c1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2416f1a elementor-widget elementor-widget-image\" data-id=\"2416f1a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"512\" height=\"512\" src=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/advice.png\" class=\"attachment-large size-large wp-image-133\" alt=\"Mortgage Broker vs. Bank \u2014 ADVISE\" srcset=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/advice.png 512w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/advice-300x300.png 300w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/advice-150x150.png 150w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f828428 elementor-widget elementor-widget-heading\" data-id=\"f828428\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">CONSEILLER\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6a3b356 e-con-full e-flex e-con e-child\" data-id=\"6a3b356\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-c85418b e-con-full e-flex e-con e-child\" data-id=\"c85418b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f71c46a elementor-widget elementor-widget-heading\" data-id=\"f71c46a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Vous g\u00e9rez vous-m\u00eame une grande partie de la comparaison et de la recherche.\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7bcab48 e-con-full box-shadow e-flex e-con e-child\" data-id=\"7bcab48\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-9aa1382 e-con-full e-flex e-con e-child\" data-id=\"9aa1382\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1578afe elementor-widget elementor-widget-image\" data-id=\"1578afe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"512\" height=\"512\" src=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/social-media.png\" class=\"attachment-large size-large wp-image-132\" alt=\"Mortgage Broker vs. Bank \u2014 Service\" srcset=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/social-media.png 512w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/social-media-300x300.png 300w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/social-media-150x150.png 150w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a0b112 elementor-widget elementor-widget-heading\" data-id=\"1a0b112\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">SERVICE<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0bb8bfd e-flex e-con-boxed e-con e-parent\" data-id=\"0bb8bfd\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-0b62ff9 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"0b62ff9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-194e8d6 elementor-widget elementor-widget-heading\" data-id=\"194e8d6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Trouvons l'hypoth\u00e8que qui vous convient le mieux\n\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c907f39 fluentform-widget-submit-button-full-width elementor-widget__width-inherit fluent-form-widget-step-header-yes fluent-form-widget-step-progressbar-yes elementor-widget elementor-widget-fluent-form-widget\" data-id=\"c907f39\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"fluent-form-widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"fluentform-widget-wrapper fluentform-widget-align-center\">\n\n            \n            <div class='fluentform ff-default fluentform_wrapper_3 ffs_default_wrap'><form data-form_id=\"3\" id=\"fluentform_3\" class=\"frm-fluent-form fluent_form_3 ff-el-form-top ff_form_instance_3_3 ff-form-loading ffs_default\" data-form_instance=\"ff_form_instance_3_3\" method=\"POST\" ><fieldset  style=\"border: none!important;margin: 0!important;padding: 0!important;background-color: transparent!important;box-shadow: none!important;outline: none!important; min-inline-size: 100%;\">\n                    <legend class=\"ff_screen_reader_title\" style=\"display: block; margin: 0!important;padding: 0!important;height: 0!important;text-indent: -999999px;width: 0!important;overflow:hidden;\">Hero Lead Form<\/legend><input type='hidden' name='__fluent_form_embded_post_id' value='1998' \/><input type=\"hidden\" id=\"_fluentform_3_fluentformnonce\" name=\"_fluentform_3_fluentformnonce\" value=\"4b81c72a1c\" \/><input type=\"hidden\" name=\"_wp_http_referer\" value=\"\/en\/wp-json\/wp\/v2\/pages\/1998\" \/><div class='ff-el-group'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_3_3_email' id='label_ff_3_3_email' aria-label=\"Courriel\">Courriel<\/label><\/div><div class='ff-el-input--content'><input type=\"email\" name=\"email\" id=\"ff_3_3_email\" class=\"ff-el-form-control\" placeholder=\"Adresse \u00e9lectronique\" data-name=\"email\"  aria-invalid=\"false\" aria-required=true><\/div><\/div><div class='ff-el-group ff-text-center emailformbuttondiv ff_submit_btn_wrapper'><button type=\"submit\" class=\"ff-btn ff-btn-submit ff-btn-lg emailformbutton ff_btn_style wpf_has_custom_css\"  aria-label=\"Trouver mon hypoth\u00e8que\">Trouver mon hypoth\u00e8que<\/button><\/div><\/fieldset><\/form><div id='fluentform_3_errors' class='ff-errors-in-stack ff_form_instance_3_3 ff-form-loading_errors ff_form_instance_3_3_errors'><\/div><\/div>            <script type=\"text\/javascript\">\n                window.fluent_form_ff_form_instance_3_3 = {\"id\":\"3\",\"ajaxUrl\":\"https:\\\/\\\/karimhammal.ca\\\/wp-admin\\\/admin-ajax.php\",\"settings\":{\"layout\":{\"labelPlacement\":\"top\",\"asteriskPlacement\":\"asterisk-right\",\"helpMessagePlacement\":\"with_label\",\"errorMessagePlacement\":\"inline\",\"cssClassName\":\"\"},\"restrictions\":{\"denyEmptySubmission\":{\"enabled\":false}}},\"form_instance\":\"ff_form_instance_3_3\",\"form_id_selector\":\"fluentform_3\",\"rules\":{\"email\":{\"required\":{\"value\":true,\"message\":\"This field is required\",\"global_message\":\"This field is required\",\"global\":true},\"email\":{\"value\":true,\"message\":\"This field must contain a valid email\",\"global_message\":\"This field must contain a valid email\",\"global\":true}}},\"debounce_time\":300,\"file_upload_settings\":[]};\n                            <\/script>\n                        <\/div>\n\n            \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9af0e30 elementor-icon-list--layout-inline elementor-mobile-align-center elementor-hidden-mobile elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"9af0e30\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"tel:514-839-9582\">\n\n\t\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 aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-phone-alt\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M497.39 361.8l-112-48a24 24 0 0 0-28 6.9l-49.6 60.6A370.66 370.66 0 0 1 130.6 204.11l60.6-49.6a23.94 23.94 0 0 0 6.9-28l-48-112A24.16 24.16 0 0 0 122.6.61l-104 24A24 24 0 0 0 0 48c0 256.5 207.9 464 464 464a24 24 0 0 0 23.4-18.6l24-104a24.29 24.29 0 0 0-14.01-27.6z\"><\/path><\/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\">514-839-9582<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\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 elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"mailto:info@karimhammal.ca\">\n\n\t\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 aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-envelope\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M502.3 190.8c3.9-3.1 9.7-.2 9.7 4.7V400c0 26.5-21.5 48-48 48H48c-26.5 0-48-21.5-48-48V195.6c0-5 5.7-7.8 9.7-4.7 22.4 17.4 52.1 39.5 154.1 113.6 21.1 15.4 56.7 47.8 92.2 47.6 35.7.3 72-32.8 92.3-47.6 102-74.1 131.6-96.3 154-113.7zM256 320c23.2.4 56.6-29.2 73.4-41.4 132.7-96.3 142.8-104.7 173.4-128.7 5.8-4.5 9.2-11.5 9.2-18.9v-19c0-26.5-21.5-48-48-48H48C21.5 64 0 85.5 0 112v19c0 7.4 3.4 14.3 9.2 18.9 30.6 23.9 40.7 32.4 173.4 128.7 16.8 12.2 50.2 41.8 73.4 41.4z\"><\/path><\/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\">info@karimhammal.ca<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\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 class=\"elementor-element elementor-element-64a3f02 elementor-icon-list--layout-inline elementor-mobile-align-center elementor-hidden-desktop elementor-hidden-tablet elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"64a3f02\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"tel:514-839-9582\">\n\n\t\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 aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-phone-alt\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M497.39 361.8l-112-48a24 24 0 0 0-28 6.9l-49.6 60.6A370.66 370.66 0 0 1 130.6 204.11l60.6-49.6a23.94 23.94 0 0 0 6.9-28l-48-112A24.16 24.16 0 0 0 122.6.61l-104 24A24 24 0 0 0 0 48c0 256.5 207.9 464 464 464a24 24 0 0 0 23.4-18.6l24-104a24.29 24.29 0 0 0-14.01-27.6z\"><\/path><\/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\">514-839-9582<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\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 elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"mailto:info@karimhammal.ca\">\n\n\t\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 aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-envelope\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M502.3 190.8c3.9-3.1 9.7-.2 9.7 4.7V400c0 26.5-21.5 48-48 48H48c-26.5 0-48-21.5-48-48V195.6c0-5 5.7-7.8 9.7-4.7 22.4 17.4 52.1 39.5 154.1 113.6 21.1 15.4 56.7 47.8 92.2 47.6 35.7.3 72-32.8 92.3-47.6 102-74.1 131.6-96.3 154-113.7zM256 320c23.2.4 56.6-29.2 73.4-41.4 132.7-96.3 142.8-104.7 173.4-128.7 5.8-4.5 9.2-11.5 9.2-18.9v-19c0-26.5-21.5-48-48-48H48C21.5 64 0 85.5 0 112v19c0 7.4 3.4 14.3 9.2 18.9 30.6 23.9 40.7 32.4 173.4 128.7 16.8 12.2 50.2 41.8 73.4 41.4z\"><\/path><\/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\">info@karimhammal.ca<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-caf7551 e-flex e-con-boxed e-con e-parent\" data-id=\"caf7551\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-96d7847 e-grid e-con-full e-con e-child\" data-id=\"96d7847\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-efc796d elementor-invisible elementor-widget elementor-widget-jkit_fun_fact\" data-id=\"efc796d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:&quot;200&quot;}\" data-widget_type=\"jkit_fun_fact.default\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-fun-fact align-center hover-from-left elementor-animation- jeg_module__7_6aa54398e483b\" ><div class=fun-fact-inner><div class=\"icon elementor-animation-\"><i aria-hidden=\"true\" class=\"jki jki-Profile-light\"><\/i><\/div>\n            <div class=\"content\">\n                <div class=\"number-wrapper\"><span class=\"prefix\"><\/span>\n        <span class=\"number\" data-value=\"800\" data-animation-duration=\"0\">0<\/span>\n        <span class=\"suffix\"><\/span><sup class=\"super\">+<\/sup><\/div>\n                <h2 class=\"title\">Clients guid\u00e9s<\/h2>\n            <\/div>\n        <\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-80d835a elementor-invisible elementor-widget elementor-widget-jkit_fun_fact\" data-id=\"80d835a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:&quot;100&quot;}\" data-widget_type=\"jkit_fun_fact.default\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-fun-fact align-center hover-from-left elementor-animation- jeg_module__8_6aa54398e58c7\" ><div class=fun-fact-inner><div class=\"icon elementor-animation-\"><i aria-hidden=\"true\" class=\"jki jki-users2-light\"><\/i><\/div>\n            <div class=\"content\">\n                <div class=\"number-wrapper\"><span class=\"prefix\"><\/span>\n        <span class=\"number\" data-value=\"800\" data-animation-duration=\"0\">0<\/span>\n        <span class=\"suffix\"><\/span><sup class=\"super\">+<\/sup><\/div>\n                <h2 class=\"title\">Des clients satisfaits partout au Qu\u00e9bec<\/h2>\n            <\/div>\n        <\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-92c991c elementor-invisible elementor-widget elementor-widget-jkit_fun_fact\" data-id=\"92c991c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:&quot;300&quot;}\" data-widget_type=\"jkit_fun_fact.default\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-fun-fact align-center hover-from-left elementor-animation- jeg_module__9_6aa54398e63ea\" ><div class=fun-fact-inner><div class=\"icon elementor-animation-\"><i aria-hidden=\"true\" class=\"jki jki-badge\"><\/i><\/div>\n            <div class=\"content\">\n                <div class=\"number-wrapper\"><span class=\"prefix\"><\/span>\n        <span class=\"number\" data-value=\"14\" data-animation-duration=\"0\">0<\/span>\n        <span class=\"suffix\"><\/span><sup class=\"super\">+ Year<\/sup><\/div>\n                <h2 class=\"title\">Exp\u00e9rience en mati\u00e8re d&#039;hypoth\u00e8ques et de services bancaires<\/h2>\n            <\/div>\n        <\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f8d3bee elementor-invisible elementor-widget elementor-widget-jkit_fun_fact\" data-id=\"f8d3bee\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:&quot;400&quot;}\" data-widget_type=\"jkit_fun_fact.default\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-fun-fact align-center hover-from-left elementor-animation- jeg_module__10_6aa54398e75a0\" ><div class=fun-fact-inner><div class=\"icon elementor-animation-\"><i aria-hidden=\"true\" class=\"jki jki-team-2-line\"><\/i><\/div>\n            <div class=\"content\">\n                <div class=\"number-wrapper\"><span class=\"prefix\"><\/span>\n        <span class=\"number\" data-value=\"800\" data-animation-duration=\"0\">0<\/span>\n        <span class=\"suffix\"><\/span><sup class=\"super\">+<\/sup><\/div>\n                <h2 class=\"title\">Traitement des dossiers de financement du logement<\/h2>\n            <\/div>\n        <\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f1fb6e6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f1fb6e6\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7fcf61b\" data-id=\"7fcf61b\" 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-c96f168 elementor-invisible elementor-widget elementor-widget-jkit_heading\" data-id=\"c96f168\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"jkit_heading.default\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-heading  align-center align-tablet- align-mobile- jeg_module__11_6aa54398e825f\" ><h3 class=\"heading-section-subtitle  style-color\">COMMENT \u00c7A MARCHE<\/h3><div class=\"heading-section-title  display-inline-block\"><h2 class=\"heading-title\">Un processus hypoth\u00e9caire simple et guid\u00e9<\/h2><\/div><div class=\"heading-section-separator\"><div class=\"separator-wrapper style-solid\"><\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e3d6cb3 e-con-full e-grid elementor-hidden-tablet elementor-hidden-mobile e-con e-parent\" data-id=\"e3d6cb3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-92a491c jkit-equal-height-disable elementor-invisible elementor-widget elementor-widget-jkit_icon_box\" data-id=\"92a491c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:&quot;200&quot;}\" data-widget_type=\"jkit_icon_box.default\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-icon-box icon-position- elementor-animation- jeg_module__12_6aa54398eac26\" ><div class=\"jkit-icon-box-wrapper hover-from-bottom\"><div class=\"icon-box icon-box-header elementor-animation-\"><div class=\"icon style-color\"><i aria-hidden=\"true\" class=\"jki jki-communication-light\"><\/i><\/div><\/div><div class=\"icon-box icon-box-body\">\n                <h2 class=\"title\">1) Faites part de votre situation<\/h2><p class=\"icon-box-description\">Parlez-moi de vos objectifs, de vos finances et de votre calendrier. Cela m'aidera \u00e0 comprendre ce dont vous avez besoin avant de vous proposer des banques ou des pr\u00eateurs.\n\n<\/p>\n            <\/div>\n            \n            <\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d6430e6 jkit-equal-height-disable elementor-invisible elementor-widget elementor-widget-jkit_icon_box\" data-id=\"d6430e6\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:&quot;200&quot;}\" data-widget_type=\"jkit_icon_box.default\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-icon-box icon-position- elementor-animation- jeg_module__13_6aa54398eb890\" ><div class=\"jkit-icon-box-wrapper hover-from-bottom\"><div class=\"icon-box icon-box-header elementor-animation-\"><div class=\"icon style-color\"><i aria-hidden=\"true\" class=\"jki jki-balance-scale\"><\/i><\/div><\/div><div class=\"icon-box icon-box-body\">\n                <h2 class=\"title\">2) Comparer les meilleures options<\/h2><p class=\"icon-box-description\">J'\u00e9tudie les offres de plusieurs pr\u00eateurs afin de trouver des solutions hypoth\u00e9caires adapt\u00e9es \u00e0 votre situation, et non les produits d'une seule banque.<\/p>\n            <\/div>\n            \n            <\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e509e76 elementor-hidden-tablet elementor-hidden-mobile jkit-equal-height-disable elementor-invisible elementor-widget elementor-widget-jkit_icon_box\" data-id=\"e509e76\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:&quot;100&quot;}\" data-widget_type=\"jkit_icon_box.default\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-icon-box icon-position- elementor-animation- jeg_module__14_6aa54398ec37a\" ><div class=\"jkit-icon-box-wrapper hover-from-bottom\"><div class=\"icon-box icon-box-header elementor-animation-\"><div class=\"icon style-color\"><i aria-hidden=\"true\" class=\"jki jki-star-light\"><\/i><\/div><\/div><div class=\"icon-box icon-box-body\">\n                <h2 class=\"title\">3) Trouver la solution parfaite<\/h2><p class=\"icon-box-description\">Une fois que vous avez choisi la bonne option, je vous guide \u00e0 travers l'approbation, la paperasserie et la cl\u00f4ture - jusqu'au bout.<\/p>\n            <\/div>\n            \n            <\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f442c6b elementor-hidden-desktop jkit-equal-height-disable elementor-invisible elementor-widget elementor-widget-jkit_icon_box\" data-id=\"f442c6b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:&quot;100&quot;}\" data-widget_type=\"jkit_icon_box.default\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-icon-box icon-position- elementor-animation- jeg_module__15_6aa54398ecdc5\" ><div class=\"jkit-icon-box-wrapper hover-from-bottom\"><div class=\"icon-box icon-box-header elementor-animation-\"><div class=\"icon style-color\"><i aria-hidden=\"true\" class=\"jki jki-star-light\"><\/i><\/div><\/div><div class=\"icon-box icon-box-body\">\n                <h2 class=\"title\">3) Trouver la solution parfaite<\/h2><p class=\"icon-box-description\">Une fois que vous avez choisi la bonne option, je vous guide \u00e0 travers l'approbation, la paperasserie et la cl\u00f4ture - jusqu'au bout.<\/p>\n            <\/div>\n            \n            <\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-54ddf96 e-con-full e-grid elementor-hidden-desktop e-con e-parent\" data-id=\"54ddf96\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-18f5a98 jkit-equal-height-disable elementor-invisible elementor-widget elementor-widget-jkit_icon_box\" data-id=\"18f5a98\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:&quot;200&quot;}\" data-widget_type=\"jkit_icon_box.default\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-icon-box icon-position- elementor-animation- jeg_module__16_6aa54398ed947\" ><div class=\"jkit-icon-box-wrapper hover-from-bottom\"><div class=\"icon-box icon-box-header elementor-animation-\"><div class=\"icon style-color\"><i aria-hidden=\"true\" class=\"jki jki-communication-light\"><\/i><\/div><\/div><div class=\"icon-box icon-box-body\">\n                <h2 class=\"title\">1) Faites part de votre situation<\/h2><p class=\"icon-box-description\">Parlez-moi de vos objectifs, de vos finances et de votre calendrier. Cela m'aidera \u00e0 comprendre ce dont vous avez besoin avant de vous proposer des banques ou des pr\u00eateurs.\n\n<\/p>\n            <\/div>\n            \n            <\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aba813c jkit-equal-height-disable elementor-invisible elementor-widget elementor-widget-jkit_icon_box\" data-id=\"aba813c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:&quot;200&quot;}\" data-widget_type=\"jkit_icon_box.default\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-icon-box icon-position- elementor-animation- jeg_module__17_6aa54398ee6b0\" ><div class=\"jkit-icon-box-wrapper hover-from-bottom\"><div class=\"icon-box icon-box-header elementor-animation-\"><div class=\"icon style-color\"><i aria-hidden=\"true\" class=\"jki jki-balance-scale\"><\/i><\/div><\/div><div class=\"icon-box icon-box-body\">\n                <h2 class=\"title\">2) Comparer les meilleures options<\/h2><p class=\"icon-box-description\">J'\u00e9tudie les offres de plusieurs pr\u00eateurs afin de trouver des solutions hypoth\u00e9caires adapt\u00e9es \u00e0 votre situation, et non les produits d'une seule banque.<\/p>\n            <\/div>\n            \n            <\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-245a72a elementor-hidden-desktop jkit-equal-height-disable elementor-invisible elementor-widget elementor-widget-jkit_icon_box\" data-id=\"245a72a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:&quot;100&quot;}\" data-widget_type=\"jkit_icon_box.default\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-icon-box icon-position- elementor-animation- jeg_module__18_6aa54398ef11b\" ><div class=\"jkit-icon-box-wrapper hover-from-bottom\"><div class=\"icon-box icon-box-header elementor-animation-\"><div class=\"icon style-color\"><i aria-hidden=\"true\" class=\"jki jki-star-light\"><\/i><\/div><\/div><div class=\"icon-box icon-box-body\">\n                <h2 class=\"title\">3) Trouver la solution parfaite<\/h2><p class=\"icon-box-description\">Une fois que vous avez choisi la bonne option, je vous guide \u00e0 travers l'approbation, la paperasserie et la cl\u00f4ture - jusqu'au bout.<\/p>\n            <\/div>\n            \n            <\/div><\/div>\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<div class=\"elementor-element elementor-element-427e343 e-flex e-con-boxed e-con e-parent\" data-id=\"427e343\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-56c51a7 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"56c51a7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-7bc4366 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"7bc4366\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-868b169 elementor-widget elementor-widget-jkit_heading\" data-id=\"868b169\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_heading.default\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-heading  align-left align-tablet- align-mobile- jeg_module__19_6aa54398eff36\" ><h3 class=\"heading-section-subtitle  style-color\">T\u00e9moignages de clients<\/h3><div class=\"heading-section-title  display-inline-block\"><h2 class=\"heading-title\">Ce que les clients disent de leur collaboration avec moi<\/h2><\/div><div class=\"heading-section-separator\"><div class=\"separator-wrapper style-solid\"><\/div><\/div><div class=\"heading-section-description\"><p data-start=\"702\" data-end=\"750\">De vrais messages de vrais clients \u2014 non filtr\u00e9s, non modifi\u00e9s et v\u00e9rifiables.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7d28719 elementor-invisible elementor-widget elementor-widget-jkit_fun_fact\" data-id=\"7d28719\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:&quot;100&quot;}\" data-widget_type=\"jkit_fun_fact.default\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-fun-fact align-center hover-from-left elementor-animation- jeg_module__20_6aa54398f095e\" ><div class=fun-fact-inner><div class=\"icon elementor-animation-\"><i aria-hidden=\"true\" class=\"jki jki-users2-light\"><\/i><\/div>\n            <div class=\"content\">\n                <div class=\"number-wrapper\"><span class=\"prefix\"><\/span>\n        <span class=\"number\" data-value=\"800\" data-animation-duration=\"0\">0<\/span>\n        <span class=\"suffix\"><\/span><sup class=\"super\">+<\/sup><\/div>\n                <h2 class=\"title\">Des clients satisfaits partout au Qu\u00e9bec<\/h2>\n            <\/div>\n        <\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f4f7f69 elementor-widget elementor-widget-html\" data-id=\"f4f7f69\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!-- Elfsight Google Reviews | Untitled Google Reviews -->\r\n<script src=\"https:\/\/elfsightcdn.com\/platform.js\" async><\/script>\r\n<div class=\"elfsight-app-e1959f84-e8fd-4d4d-99bb-dbe3ded9acd2\" data-elfsight-app-lazy><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-241df02 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"241df02\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/karimhammal.ca\/lead-submission-form\/\">\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\">Commencer avec les conseils d'un expert en mati\u00e8re d'hypoth\u00e8que<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-44b76ff9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"44b76ff9\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-a0b8cbd e-flex e-con-boxed e-con e-parent\" data-id=\"a0b8cbd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5f57fa4 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"5f57fa4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-92eb502 elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-jkit_heading\" data-id=\"92eb502\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_heading.default\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-heading  align-center align-tablet- align-mobile- jeg_module__21_6aa54398f16fc\" ><div class=\"heading-section-title  display-inline-block\"><h2 class=\"heading-title\">Conseils hypoth\u00e9caires, directement de Karim<\/h2><\/div><div class=\"heading-section-separator\"><div class=\"separator-wrapper style-solid\"><\/div><\/div><div class=\"heading-section-description\"><p>De courtes vid\u00e9os analysant des situations r\u00e9elles de clients et les strat\u00e9gies hypoth\u00e9caires qui les ont r\u00e9solues.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-82e1a59 elementor-pagination-type-bullets elementor-arrows-position-inside elementor-pagination-position-outside elementor-widget elementor-widget-n-carousel\" data-id=\"82e1a59\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;carousel_items&quot;:[{&quot;slide_title&quot;:&quot;Slide #1&quot;,&quot;_id&quot;:&quot;9a14944&quot;},{&quot;slide_title&quot;:&quot;Slide #2&quot;,&quot;_id&quot;:&quot;038a145&quot;},{&quot;slide_title&quot;:&quot;Slide #3&quot;,&quot;_id&quot;:&quot;49e07d1&quot;},{&quot;slide_title&quot;:&quot;Slide #3&quot;,&quot;_id&quot;:&quot;eeb4f98&quot;}],&quot;slides_to_show_tablet&quot;:&quot;2&quot;,&quot;slides_to_show_mobile&quot;:&quot;1&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;autoplay_speed&quot;:5000,&quot;pause_on_hover&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;infinite&quot;:&quot;yes&quot;,&quot;speed&quot;:500,&quot;offset_sides&quot;:&quot;none&quot;,&quot;arrows&quot;:&quot;yes&quot;,&quot;pagination&quot;:&quot;bullets&quot;,&quot;image_spacing_custom&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;image_spacing_custom_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;image_spacing_custom_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-carousel.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-carousel swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Carousel\" dir=\"ltr\">\n\t\t\t<div class=\"swiper-wrapper\" aria-live=\"off\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" data-slide=\"1\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"1 sur 4\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-882f6a8 e-flex e-con-boxed e-con e-child\" data-id=\"882f6a8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-776405d elementor-widget elementor-widget-video\" data-id=\"776405d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/shorts\\\/O26x6wM-UXc&quot;,&quot;mute&quot;:&quot;yes&quot;,&quot;loop&quot;:&quot;yes&quot;,&quot;cc_load_policy&quot;:&quot;yes&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" data-slide=\"2\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"2 sur 4\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-580ebbf e-flex e-con-boxed e-con e-child\" data-id=\"580ebbf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7a84298 elementor-widget elementor-widget-video\" data-id=\"7a84298\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/shorts\\\/5iYve6YmKfc&quot;,&quot;mute&quot;:&quot;yes&quot;,&quot;loop&quot;:&quot;yes&quot;,&quot;cc_load_policy&quot;:&quot;yes&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" data-slide=\"3\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"3 sur 4\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f856b6c e-flex e-con-boxed e-con e-child\" data-id=\"f856b6c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0191eab elementor-widget elementor-widget-video\" data-id=\"0191eab\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/shorts\\\/DJfHuHnkDGQ&quot;,&quot;mute&quot;:&quot;yes&quot;,&quot;loop&quot;:&quot;yes&quot;,&quot;cc_load_policy&quot;:&quot;yes&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" data-slide=\"4\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"4 sur 4\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3d54f74 e-flex e-con-boxed e-con e-child\" data-id=\"3d54f74\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c3184f0 elementor-widget elementor-widget-video\" data-id=\"c3184f0\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/shorts\\\/KIqQTZ9z2Lg&quot;,&quot;mute&quot;:&quot;yes&quot;,&quot;loop&quot;:&quot;yes&quot;,&quot;cc_load_policy&quot;:&quot;yes&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-prev\" role=\"button\" tabindex=\"0\" aria-label=\"Pr\u00e9c\u00e9dent\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-chevron-left\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M646 125C629 125 613 133 604 142L308 442C296 454 292 471 292 487 292 504 296 521 308 533L604 854C617 867 629 875 646 875 663 875 679 871 692 858 704 846 713 829 713 812 713 796 708 779 692 767L438 487 692 225C700 217 708 204 708 187 708 171 704 154 692 142 675 129 663 125 646 125Z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-next\" role=\"button\" tabindex=\"0\" aria-label=\"Suivant\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-chevron-right\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M696 533C708 521 713 504 713 487 713 471 708 454 696 446L400 146C388 133 375 125 354 125 338 125 325 129 313 142 300 154 292 171 292 187 292 204 296 221 308 233L563 492 304 771C292 783 288 800 288 817 288 833 296 850 308 863 321 871 338 875 354 875 371 875 388 867 400 854L696 533Z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t\t\t\t<div class=\"swiper-pagination\"><\/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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b99ae1a e-flex e-con-boxed e-con e-parent\" data-id=\"b99ae1a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-61e3b80 e-con-full e-flex e-con e-child\" data-id=\"61e3b80\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-90a6e65 elementor-widget elementor-widget-heading\" data-id=\"90a6e65\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Lire plus d'\u00e9tudes de cas<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-29ddc71 elementor-hidden-mobile elementor-widget elementor-widget-button\" data-id=\"29ddc71\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\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\">Voir toutes les \u00e9tudes de cas<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cdf5bff elementor-pagination-type-bullets elementor-arrows-position-inside elementor-pagination-position-outside elementor-widget elementor-widget-loop-carousel\" data-id=\"cdf5bff\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;template_id&quot;:2087,&quot;_skin&quot;:&quot;post&quot;,&quot;slides_to_show&quot;:&quot;3&quot;,&quot;slides_to_show_tablet&quot;:&quot;2&quot;,&quot;slides_to_show_mobile&quot;:&quot;1&quot;,&quot;slides_to_scroll&quot;:&quot;1&quot;,&quot;edit_handle_selector&quot;:&quot;.elementor-loop-container&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;autoplay_speed&quot;:5000,&quot;pause_on_hover&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;infinite&quot;:&quot;yes&quot;,&quot;speed&quot;:500,&quot;offset_sides&quot;:&quot;none&quot;,&quot;arrows&quot;:&quot;yes&quot;,&quot;pagination&quot;:&quot;bullets&quot;,&quot;image_spacing_custom&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;image_spacing_custom_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;image_spacing_custom_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"loop-carousel.post\">\n\t\t\t\t\t\t\t<div class=\"swiper elementor-loop-container elementor-grid\" role=\"list\" dir=\"ltr\">\n\t\t\t\t<div class=\"swiper-wrapper\" aria-live=\"off\">\n\t\t<style id=\"loop-dynamic-2087\">.e-loop-item-2060 .elementor-element.elementor-element-28e2678:not(.elementor-motion-effects-element-type-background), .e-loop-item-2060 .elementor-element.elementor-element-28e2678 > .elementor-motion-effects-container > .elementor-motion-effects-layer{background-image:url(\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/img4-2.jpg\");}<\/style><style id=\"loop-2087\">.elementor-2087 .elementor-element.elementor-element-28e2678{--display:flex;--min-height:400px;--justify-content:flex-end;--gap:10px 10px;--row-gap:10px;--column-gap:10px;--overlay-opacity:0.8;--border-radius:10px 10px 10px 10px;--padding-top:20px;--padding-bottom:20px;--padding-left:20px;--padding-right:20px;}.elementor-2087 .elementor-element.elementor-element-28e2678:not(.elementor-motion-effects-element-type-background), .elementor-2087 .elementor-element.elementor-element-28e2678 > .elementor-motion-effects-container > .elementor-motion-effects-layer{background-position:center center;background-repeat:no-repeat;background-size:cover;}.elementor-2087 .elementor-element.elementor-element-28e2678::before, .elementor-2087 .elementor-element.elementor-element-28e2678 > .elementor-background-video-container::before, .elementor-2087 .elementor-element.elementor-element-28e2678 > .e-con-inner > .elementor-background-video-container::before, .elementor-2087 .elementor-element.elementor-element-28e2678 > .elementor-background-slideshow::before, .elementor-2087 .elementor-element.elementor-element-28e2678 > .e-con-inner > .elementor-background-slideshow::before, .elementor-2087 .elementor-element.elementor-element-28e2678 > .elementor-motion-effects-container > .elementor-motion-effects-layer::before{--background-overlay:'';background-color:transparent;background-image:linear-gradient(180deg, #0D1B2A00 38%, var( --e-global-color-primary ) 47%);}.elementor-2087 .elementor-element.elementor-element-f84bb16 .elementor-heading-title{font-size:25px;text-shadow:0px 0px 20px rgba(0,0,0,0.3);color:#FFFFFF;}.elementor-2087 .elementor-element.elementor-element-e5e9f16{text-shadow:0px 0px 10px rgba(0,0,0,0.3);margin-bottom:0px;color:#FFFFFF;margin:0px 0px calc(var(--kit-widget-spacing, 0px) + -13px) 0px;padding:0px 0px 0px 0px;}.elementor-2087 .elementor-element.elementor-element-65c0663 .elementor-button{font-size:16px;border-radius:50px 50px 50px 50px;padding:10px 20px 10px 20px;}.elementor-2087 .elementor-element.elementor-element-65c0663 .elementor-button:hover, .elementor-2087 .elementor-element.elementor-element-65c0663 .elementor-button:focus{color:var( --e-global-color-primary );background-color:var( --e-global-color-f097191 );}.elementor-2087 .elementor-element.elementor-element-65c0663 .elementor-button:hover svg, .elementor-2087 .elementor-element.elementor-element-65c0663 .elementor-button:focus svg{fill:var( --e-global-color-primary );}@media(max-width:1024px){.elementor-2087 .elementor-element.elementor-element-28e2678{--padding-top:15px;--padding-bottom:15px;--padding-left:15px;--padding-right:15px;}}@media(max-width:767px){.elementor-2087 .elementor-element.elementor-element-28e2678{--padding-top:10px;--padding-bottom:10px;--padding-left:10px;--padding-right:10px;}}<\/style>\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"2087\" class=\"elementor elementor-2087 swiper-slide e-loop-item e-loop-item-2060 post-2060 case-studie type-case-studie status-publish has-post-thumbnail hentry\" data-elementor-post-type=\"elementor_library\" role=\"group\" aria-roledescription=\"slide\" data-custom-edit-handle=\"1\">\n\t\t\t<div class=\"elementor-element elementor-element-28e2678 e-flex e-con-boxed e-con e-parent\" data-id=\"28e2678\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f84bb16 elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"f84bb16\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Renouvellement avec acc\u00e8s \u00e0 l&rsquo;\u00e9quit\u00e9<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e5e9f16 elementor-widget elementor-widget-theme-post-excerpt\" data-id=\"e5e9f16\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-excerpt.default\">\n\t\t\t\t\t<p>L&rsquo;hypoth\u00e8que d&rsquo;un propri\u00e9taire arrivait \u00e0 \u00e9ch\u00e9ance pour renouvellement, mais il souhaitait aussi acc\u00e9der \u00e0 l&rsquo;\u00e9quit\u00e9 accumul\u00e9e dans sa propri\u00e9t\u00e9 pour\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65c0663 elementor-widget elementor-widget-button\" data-id=\"65c0663\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/karimhammal.ca\/en\/case-studie\/renewal-with-access-to-equity\/\">\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\">Lire l'\u00e9tude de cas compl\u00e8te<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<style id=\"loop-dynamic-2087\">.e-loop-item-2059 .elementor-element.elementor-element-28e2678:not(.elementor-motion-effects-element-type-background), .e-loop-item-2059 .elementor-element.elementor-element-28e2678 > .elementor-motion-effects-container > .elementor-motion-effects-layer{background-image:url(\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/img4.jpg\");}<\/style>\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"2087\" class=\"elementor elementor-2087 swiper-slide e-loop-item e-loop-item-2059 post-2059 case-studie type-case-studie status-publish has-post-thumbnail hentry\" data-elementor-post-type=\"elementor_library\" role=\"group\" aria-roledescription=\"slide\" data-custom-edit-handle=\"1\">\n\t\t\t<div class=\"elementor-element elementor-element-28e2678 e-flex e-con-boxed e-con e-parent\" data-id=\"28e2678\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f84bb16 elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"f84bb16\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Emprunteur autonome<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e5e9f16 elementor-widget elementor-widget-theme-post-excerpt\" data-id=\"e5e9f16\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-excerpt.default\">\n\t\t\t\t\t<p>Un professionnel travailleur autonome avait besoin d&rsquo;un financement hypoth\u00e9caire, mais avait une structure de revenus plus complexe qu&rsquo;un emprunteur salari\u00e9\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65c0663 elementor-widget elementor-widget-button\" data-id=\"65c0663\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/karimhammal.ca\/en\/case-studie\/self-employed-borrower\/\">\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\">Lire l'\u00e9tude de cas compl\u00e8te<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<style id=\"loop-dynamic-2087\">.e-loop-item-2058 .elementor-element.elementor-element-28e2678:not(.elementor-motion-effects-element-type-background), .e-loop-item-2058 .elementor-element.elementor-element-28e2678 > .elementor-motion-effects-container > .elementor-motion-effects-layer{background-image:url(\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/06\/pexels-binyaminmellish-106399-scaled.webp\");}<\/style>\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"2087\" class=\"elementor elementor-2087 swiper-slide e-loop-item e-loop-item-2058 post-2058 case-studie type-case-studie status-publish has-post-thumbnail hentry\" data-elementor-post-type=\"elementor_library\" role=\"group\" aria-roledescription=\"slide\" data-custom-edit-handle=\"1\">\n\t\t\t<div class=\"elementor-element elementor-element-28e2678 e-flex e-con-boxed e-con e-parent\" data-id=\"28e2678\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f84bb16 elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"f84bb16\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Premiers acheteurs<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e5e9f16 elementor-widget elementor-widget-theme-post-excerpt\" data-id=\"e5e9f16\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-excerpt.default\">\n\t\t\t\t\t<p>Un couple souhaitait acheter sa premi\u00e8re maison, mais avec leur budget et leur mise de fonds disponible, ils avaient besoin\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65c0663 elementor-widget elementor-widget-button\" data-id=\"65c0663\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/karimhammal.ca\/en\/case-studie\/first-time-home-buyers\/\">\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\">Lire l'\u00e9tude de cas compl\u00e8te<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-prev\" role=\"button\" tabindex=\"0\" aria-label=\"Previous\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-chevron-left\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M646 125C629 125 613 133 604 142L308 442C296 454 292 471 292 487 292 504 296 521 308 533L604 854C617 867 629 875 646 875 663 875 679 871 692 858 704 846 713 829 713 812 713 796 708 779 692 767L438 487 692 225C700 217 708 204 708 187 708 171 704 154 692 142 675 129 663 125 646 125Z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-next\" role=\"button\" tabindex=\"0\" aria-label=\"Next\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-chevron-right\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M696 533C708 521 713 504 713 487 713 471 708 454 696 446L400 146C388 133 375 125 354 125 338 125 325 129 313 142 300 154 292 171 292 187 292 204 296 221 308 233L563 492 304 771C292 783 288 800 288 817 288 833 296 850 308 863 321 871 338 875 354 875 371 875 388 867 400 854L696 533Z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t\t\t\t<div class=\"swiper-pagination\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2dce76f elementor-mobile-align-center elementor-hidden-desktop elementor-hidden-tablet elementor-widget elementor-widget-button\" data-id=\"2dce76f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\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\">Voir toutes les \u00e9tudes de cas<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-98252d3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"98252d3\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-e81c82d elementor-invisible\" data-id=\"e81c82d\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&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-b310ee4 elementor-widget elementor-widget-jkit_heading\" data-id=\"b310ee4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_heading.default\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-heading  align-left align-tablet- align-mobile- jeg_module__22_6aa5439940734\" ><h3 class=\"heading-section-subtitle  style-color\">QUESTIONS FR\u00c9QUEMMENT POS\u00c9ES<\/h3><div class=\"heading-section-title  display-inline-block\"><h2 class=\"heading-title\">R\u00e9ponses aux questions les plus fr\u00e9quentes sur les hypoth\u00e8ques<\/h2><\/div><div class=\"heading-section-separator\"><div class=\"separator-wrapper style-solid\"><\/div><\/div><div class=\"heading-section-description\"><div class=\"elementor-element elementor-element-b310ee4 elementor-widget elementor-widget-jkit_heading\" data-id=\"b310ee4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_heading.default\"><div class=\"jeg-elementor-kit jkit-heading  align- align-tablet- align-mobile- jeg_module_14_24_6a8afa985faf8\"><div class=\"heading-section-description\"><p>Des r\u00e9ponses claires pour vous aider \u00e0 comprendre le processus hypoth\u00e9caire et \u00e0 vous sentir en confiance avant de commencer.<\/p><\/div><\/div><\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3edd748 elementor-align-left elementor-hidden-mobile elementor-widget elementor-widget-button\" data-id=\"3edd748\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/karimhammal.ca\/lead-submission-form\/\">\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\">Commencer avec les conseils d'un expert<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\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-6ed4150 elementor-invisible\" data-id=\"6ed4150\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f2cab91 elementor-widget elementor-widget-jkit_accordion\" data-id=\"f2cab91\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_accordion.default\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-accordion style-default jeg_module__23_6aa543994ccec\" ><div class=\"card-wrapper expand\">\n                <div class=\"card-header\">\n                    <a href=\"#expand-4c54035\" class=\"card-header-button\" aria-expanded=\"false\" data-target=\"#expand-4c54035\" aria-controls=\"expand-4c54035\">\n                        <span class=\"title\">Pourquoi devrais-je faire appel \u00e0 un courtier en hypoth\u00e8ques plut\u00f4t que de m&#039;adresser directement \u00e0 une banque ?<\/span><div class=\"right-icon-group\">\n                <div class=\"normal-icon\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/div>\n                <div class=\"active-icon\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/div>\n            <\/div>\n                    <\/a>\n                <\/div>\n                <div class=\"card-expand\" id=\"expand-4c54035\" style=\"display:block\"><div class=\"card-body\"><p>Un courtier en hypoth\u00e8ques compare les options de plusieurs pr\u00eateurs, et non d'une seule banque. Cela signifie de meilleurs choix, des conseils plus clairs et un pr\u00eat hypoth\u00e9caire adapt\u00e9 \u00e0 votre situation - et non aux objectifs de vente de la banque.<\/p><\/div><\/div>\n            <\/div><div class=\"card-wrapper \">\n                <div class=\"card-header\">\n                    <a href=\"#expand-a10b044\" class=\"card-header-button\" aria-expanded=\"false\" data-target=\"#expand-a10b044\" aria-controls=\"expand-a10b044\">\n                        <span class=\"title\">La collaboration avec un courtier en hypoth\u00e8ques me co\u00fbte-t-elle quelque chose ?<\/span><div class=\"right-icon-group\">\n                <div class=\"normal-icon\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/div>\n                <div class=\"active-icon\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/div>\n            <\/div>\n                    <\/a>\n                <\/div>\n                <div class=\"card-expand\" id=\"expand-a10b044\" style=\"display:none\"><div class=\"card-body\"><p>Dans la plupart des cas, non. Les courtiers en hypoth\u00e8ques sont g\u00e9n\u00e9ralement pay\u00e9s par le pr\u00eateur, et non par le client. Je vous expliquerai toujours clairement les choses d\u00e8s le d\u00e9part, afin d'\u00e9viter toute surprise.<\/p><\/div><\/div>\n            <\/div><div class=\"card-wrapper \">\n                <div class=\"card-header\">\n                    <a href=\"#expand-3b675fa\" class=\"card-header-button\" aria-expanded=\"false\" data-target=\"#expand-3b675fa\" aria-controls=\"expand-3b675fa\">\n                        <span class=\"title\">Pouvez vous aider les premiers acheteurs ?<\/span><div class=\"right-icon-group\">\n                <div class=\"normal-icon\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/div>\n                <div class=\"active-icon\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/div>\n            <\/div>\n                    <\/a>\n                <\/div>\n                <div class=\"card-expand\" id=\"expand-3b675fa\" style=\"display:none\"><div class=\"card-body\"><p>Oui. J\u2019accompagne les premiers acheteurs \u00e0 chaque \u00e9tape, de la pr\u00e9approbation jusqu\u2019\u00e0 la cl\u00f4ture, et je m\u2019assure que tout soit expliqu\u00e9 de fa\u00e7on claire et simple.<\/p><\/div><\/div>\n            <\/div><div class=\"card-wrapper \">\n                <div class=\"card-header\">\n                    <a href=\"#expand-ba63af9\" class=\"card-header-button\" aria-expanded=\"false\" data-target=\"#expand-ba63af9\" aria-controls=\"expand-ba63af9\">\n                        <span class=\"title\">Dois-je renouveler mon pr\u00eat hypoth\u00e9caire aupr\u00e8s de ma banque ou explorer d&#039;autres options ?<\/span><div class=\"right-icon-group\">\n                <div class=\"normal-icon\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/div>\n                <div class=\"active-icon\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/div>\n            <\/div>\n                    <\/a>\n                <\/div>\n                <div class=\"card-expand\" id=\"expand-ba63af9\" style=\"display:none\"><div class=\"card-body\"><p>De nombreux propri\u00e9taires renouvellent automatiquement leur contrat avec leur banque, mais ce n'est pas toujours le meilleur choix. J'examine votre situation et compare les diff\u00e9rentes options afin de vous aider \u00e0 obtenir de meilleures conditions lorsque cela est possible.<\/p><\/div><\/div>\n            <\/div><div class=\"card-wrapper \">\n                <div class=\"card-header\">\n                    <a href=\"#expand-03e52e8\" class=\"card-header-button\" aria-expanded=\"false\" data-target=\"#expand-03e52e8\" aria-controls=\"expand-03e52e8\">\n                        <span class=\"title\">Quelle est la dur\u00e9e de la proc\u00e9dure hypoth\u00e9caire ?<\/span><div class=\"right-icon-group\">\n                <div class=\"normal-icon\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/div>\n                <div class=\"active-icon\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/div>\n            <\/div>\n                    <\/a>\n                <\/div>\n                <div class=\"card-expand\" id=\"expand-03e52e8\" style=\"display:none\"><div class=\"card-body\"><p>Les d\u00e9lais varient, mais les approbations pr\u00e9alables peuvent souvent \u00eatre effectu\u00e9es rapidement. Une fois que nous aurons examin\u00e9 vos informations, je vous donnerai une id\u00e9e pr\u00e9cise des prochaines \u00e9tapes et du calendrier.<\/p><\/div><\/div>\n            <\/div><\/div>\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-35c11a80 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"35c11a80\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&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-100 elementor-top-column elementor-element elementor-element-56aa77df elementor-invisible\" data-id=\"56aa77df\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;zoomIn&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-c79c449 elementor-invisible elementor-widget elementor-widget-jkit_heading\" data-id=\"c79c449\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"jkit_heading.default\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-heading  align-center align-tablet- align-mobile- jeg_module__24_6aa543994e188\" ><div class=\"heading-section-title  display-inline-block\"><h2 class=\"heading-title\"> Vous avez encore des questions sur vos options hypoth\u00e9caires ?<span class=\"style-color\"><span>Parlons-en et trouvons l&#039;hypoth\u00e8que qui vous convient le mieux<\/span><\/span><\/h2><\/div><div class=\"heading-section-description\"><p>Que vous achetiez, renouveliez ou refinanciez, une conversation rapide peut vous aider \u00e0 clarifier vos options et les prochaines \u00e9tapes. Pas de pression - juste des conseils clairs et honn\u00eates.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5dba465 fluentform-widget-submit-button-full-width elementor-widget__width-initial elementor-widget-mobile__width-inherit email-form fluent-form-widget-step-header-yes fluent-form-widget-step-progressbar-yes elementor-widget elementor-widget-fluent-form-widget\" data-id=\"5dba465\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"fluent-form-widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"fluentform-widget-wrapper fluentform-widget-align-center\">\n\n            \n            <div class='fluentform ff-default fluentform_wrapper_3 ffs_default_wrap'><form data-form_id=\"3\" id=\"fluentform_3\" class=\"frm-fluent-form fluent_form_3 ff-el-form-top ff_form_instance_3_4 ff-form-loading ffs_default\" data-form_instance=\"ff_form_instance_3_4\" method=\"POST\" ><fieldset  style=\"border: none!important;margin: 0!important;padding: 0!important;background-color: transparent!important;box-shadow: none!important;outline: none!important; min-inline-size: 100%;\">\n                    <legend class=\"ff_screen_reader_title\" style=\"display: block; margin: 0!important;padding: 0!important;height: 0!important;text-indent: -999999px;width: 0!important;overflow:hidden;\">Hero Lead Form<\/legend><input type='hidden' name='__fluent_form_embded_post_id' value='2058' \/><input type=\"hidden\" id=\"_fluentform_3_fluentformnonce\" name=\"_fluentform_3_fluentformnonce\" value=\"4b81c72a1c\" \/><input type=\"hidden\" name=\"_wp_http_referer\" value=\"\/en\/wp-json\/wp\/v2\/pages\/1998\" \/><div class='ff-el-group'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_3_4_email' id='label_ff_3_4_email' aria-label=\"Courriel\">Courriel<\/label><\/div><div class='ff-el-input--content'><input type=\"email\" name=\"email\" id=\"ff_3_4_email\" class=\"ff-el-form-control\" placeholder=\"Adresse \u00e9lectronique\" data-name=\"email\"  aria-invalid=\"false\" aria-required=true><\/div><\/div><div class='ff-el-group ff-text-center emailformbuttondiv ff_submit_btn_wrapper'><button type=\"submit\" class=\"ff-btn ff-btn-submit ff-btn-lg emailformbutton ff_btn_style wpf_has_custom_css\"  aria-label=\"Trouver mon hypoth\u00e8que\">Trouver mon hypoth\u00e8que<\/button><\/div><\/fieldset><\/form><div id='fluentform_3_errors' class='ff-errors-in-stack ff_form_instance_3_4 ff-form-loading_errors ff_form_instance_3_4_errors'><\/div><\/div>            <script type=\"text\/javascript\">\n                window.fluent_form_ff_form_instance_3_4 = {\"id\":\"3\",\"ajaxUrl\":\"https:\\\/\\\/karimhammal.ca\\\/wp-admin\\\/admin-ajax.php\",\"settings\":{\"layout\":{\"labelPlacement\":\"top\",\"asteriskPlacement\":\"asterisk-right\",\"helpMessagePlacement\":\"with_label\",\"errorMessagePlacement\":\"inline\",\"cssClassName\":\"\"},\"restrictions\":{\"denyEmptySubmission\":{\"enabled\":false}}},\"form_instance\":\"ff_form_instance_3_4\",\"form_id_selector\":\"fluentform_3\",\"rules\":{\"email\":{\"required\":{\"value\":true,\"message\":\"This field is required\",\"global_message\":\"This field is required\",\"global\":true},\"email\":{\"value\":true,\"message\":\"This field must contain a valid email\",\"global_message\":\"This field must contain a valid email\",\"global\":true}}},\"debounce_time\":300,\"file_upload_settings\":[]};\n                            <\/script>\n                        <\/div>\n\n            \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<div class=\"elementor-element elementor-element-810cf33 e-flex e-con-boxed e-con e-parent\" data-id=\"810cf33\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;sticky&quot;:&quot;bottom&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;],&quot;sticky_offset&quot;:0,&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0d9a72c elementor-widget elementor-widget-heading\" data-id=\"0d9a72c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Trouvons ensemble le courtier qui vous convient.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c9899d elementor-align-center elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"3c9899d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/karimhammal.ca\/lead-submission-form\/\">\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\">Prenez rendez-vous d\u00e8s maintenant.<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>COURTIER HYPOTH\u00c9CAIRE DE CONFIANCE AU QU\u00c9BEC Conseils hypoth\u00e9caires pour les acheteurs, les propri\u00e9taires et les investisseurs Plus de 800 acheteurs et propri\u00e9taires au Qu\u00e9bec nous font confiance. Comparer les taux de plusieurs pr\u00eateurs, et non d&rsquo;une seule banque Gagner du temps, de l&rsquo;argent et \u00e9viter le stress inutile Guid\u00e9 de la pr\u00e9-approbation \u00e0 la cl\u00f4ture [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-1998","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>FR-Karim Hammal -Trusted Mortgage Broker in Quebec<\/title>\n<meta name=\"description\" content=\"Karim Hammal is a trusted mortgage broker in Montreal, Quebec. Compare rates from 20+ lenders for home purchase, renewal, or refinancing.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/karimhammal.ca\/en\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FR-Karim Hammal -Trusted Mortgage Broker in Quebec\" \/>\n<meta property=\"og:description\" content=\"Karim Hammal is a trusted mortgage broker in Montreal, Quebec. Compare rates from 20+ lenders for home purchase, renewal, or refinancing.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/karimhammal.ca\/en\/\" \/>\n<meta property=\"og:site_name\" content=\"Karim Hammal\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-05T17:46:56+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/amf-no-3.png\" \/>\n\t<meta property=\"og:image:width\" content=\"500\" \/>\n\t<meta property=\"og:image:height\" content=\"500\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/karimhammal.ca\\\/\",\"url\":\"https:\\\/\\\/karimhammal.ca\\\/\",\"name\":\"FR-Karim Hammal -Trusted Mortgage Broker in Quebec\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/karimhammal.ca\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/karimhammal.ca\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/karimhammal.ca\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/karimhammal.ca\\\/wp-content\\\/uploads\\\/2026\\\/01\\\/amf-no-3.png\",\"datePublished\":\"2026-08-23T13:24:07+00:00\",\"dateModified\":\"2026-09-05T17:46:56+00:00\",\"description\":\"Karim Hammal is a trusted mortgage broker in Montreal, Quebec. 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