{"id":14,"date":"2026-01-11T12:24:26","date_gmt":"2026-01-11T12:24:26","guid":{"rendered":"https:\/\/karimhammal.ca\/?page_id=14"},"modified":"2026-01-21T17:17:26","modified_gmt":"2026-01-21T17:17:26","slug":"home","status":"publish","type":"page","link":"https:\/\/karimhammal.ca\/fr\/","title":{"rendered":"Page d\u2019accueil"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"14\" class=\"elementor elementor-14\" 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=\"\" 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=\"\" 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-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\">TRUSTED MORTGAGE BROKER IN QUEBEC<\/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\">Mortgage Advice for Buyers, Homeowners &amp; Investors<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fdf420d 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\">Trusted by 600+ 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-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 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_1 ff-form-loading ffs_default\" data-form_instance=\"ff_form_instance_3_1\" 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;\">Blank Form (#3)<\/legend><input type='hidden' name='__fluent_form_embded_post_id' value='14' \/><input type=\"hidden\" id=\"_fluentform_3_fluentformnonce\" name=\"_fluentform_3_fluentformnonce\" value=\"511396a297\" \/><input type=\"hidden\" name=\"_wp_http_referer\" value=\"\/fr\/wp-json\/wp\/v2\/pages\/14\" \/><div class='ff-el-group'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_3_email' id='label_ff_3_email' aria-label=\"Email\">Email<\/label><\/div><div class='ff-el-input--content'><input type=\"email\" name=\"email\" id=\"ff_3_email\" class=\"ff-el-form-control\" placeholder=\"Email Address\" 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=\"Find My Mortgage\">Find My Mortgage<\/button><\/div><\/fieldset><\/form><div id='fluentform_3_errors' class='ff-errors-in-stack ff_form_instance_3_1 ff-form-loading_errors ff_form_instance_3_1_errors'><\/div><\/div>            <script type=\"text\/javascript\">\n                window.fluent_form_ff_form_instance_3_1 = {\"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_1\",\"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 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controlsList=\"nodownload\"><\/video>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4a11abf e-con-full elementor-hidden-desktop 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-72588d2 elementor-hidden-desktop elementor-hidden-tablet elementor-widget elementor-widget-image\" data-id=\"72588d2\" 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=\"\" 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-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 600+ 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;\">Blank Form (#3)<\/legend><input type='hidden' name='__fluent_form_embded_post_id' value='14' \/><input type=\"hidden\" id=\"_fluentform_3_fluentformnonce\" name=\"_fluentform_3_fluentformnonce\" value=\"511396a297\" \/><input type=\"hidden\" name=\"_wp_http_referer\" value=\"\/fr\/wp-json\/wp\/v2\/pages\/14\" \/><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=\"Email\">Email<\/label><\/div><div class='ff-el-input--content'><input type=\"email\" name=\"email\" id=\"ff_3_2_email\" class=\"ff-el-form-control\" placeholder=\"Email Address\" 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=\"Find My Mortgage\">Find My Mortgage<\/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<div class=\"elementor-element elementor-element-846a47d e-con-full elementor-hidden-desktop elementor-hidden-mobile elementor-hidden-tablet e-flex e-con e-child\" data-id=\"846a47d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0cb8c60 elementor-widget__width-inherit elementor-button-align-stretch elementor-widget elementor-widget-form\" data-id=\"0cb8c60\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;step_next_label&quot;:&quot;Next&quot;,&quot;step_previous_label&quot;:&quot;Previous&quot;,&quot;step_type&quot;:&quot;progress_bar&quot;,&quot;button_width&quot;:&quot;100&quot;}\" data-widget_type=\"form.default\">\n\t\t\t\t\t\t\t<form class=\"elementor-form\" method=\"post\" name=\"New Form\" aria-label=\"New Form\">\n\t\t\t<input type=\"hidden\" name=\"post_id\" value=\"14\"\/>\n\t\t\t<input type=\"hidden\" name=\"form_id\" value=\"0cb8c60\"\/>\n\t\t\t<input type=\"hidden\" name=\"referer_title\" value=\"\" \/>\n\n\t\t\t\t\t\t\t<input type=\"hidden\" name=\"queried_id\" value=\"14\"\/>\n\t\t\t\n\t\t\t<div class=\"elementor-form-fields-wrapper elementor-labels-above\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-step elementor-field-group elementor-column elementor-field-group-field_3e59a2e elementor-col-100\">\n\t\t\t\t\t\t\t<div class=\"e-field-step elementor-hidden\" data-label=\"\" data-previousButton=\"\" data-nextButton=\"\" data-iconUrl=\"\" data-iconLibrary=\"fas fa-star\" data-icon=\"&lt;svg class=&quot;e-font-icon-svg e-fas-star&quot; viewBox=&quot;0 0 576 512&quot; xmlns=&quot;http:\/\/www.w3.org\/2000\/svg&quot;&gt;&lt;path d=&quot;M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z&quot;&gt;&lt;\/path&gt;&lt;\/svg&gt;\" ><\/div>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-email elementor-field-group elementor-column elementor-field-group-email elementor-col-100 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-email\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tEmail\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"email\" name=\"form_fields[email]\" id=\"form-field-email\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" placeholder=\"Email\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-step elementor-field-group elementor-column elementor-field-group-field_0812c61 elementor-col-100\">\n\t\t\t\t\t\t\t<div class=\"e-field-step elementor-hidden\" data-label=\"\" data-previousButton=\"\" data-nextButton=\"\" data-iconUrl=\"\" data-iconLibrary=\"fas fa-star\" data-icon=\"&lt;svg class=&quot;e-font-icon-svg e-fas-star&quot; viewBox=&quot;0 0 576 512&quot; xmlns=&quot;http:\/\/www.w3.org\/2000\/svg&quot;&gt;&lt;path d=&quot;M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z&quot;&gt;&lt;\/path&gt;&lt;\/svg&gt;\" ><\/div>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-name elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-name\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tName\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[name]\" id=\"form-field-name\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" placeholder=\"Name\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-step elementor-field-group elementor-column elementor-field-group-field_a751132 elementor-col-100\">\n\t\t\t\t\t\t\t<div class=\"e-field-step elementor-hidden\" data-label=\"\" data-previousButton=\"\" data-nextButton=\"\" data-iconUrl=\"\" data-iconLibrary=\"fas fa-star\" data-icon=\"&lt;svg class=&quot;e-font-icon-svg e-fas-star&quot; viewBox=&quot;0 0 576 512&quot; xmlns=&quot;http:\/\/www.w3.org\/2000\/svg&quot;&gt;&lt;path d=&quot;M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z&quot;&gt;&lt;\/path&gt;&lt;\/svg&gt;\" ><\/div>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-textarea elementor-field-group elementor-column elementor-field-group-message elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-message\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tMessage\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t<textarea class=\"elementor-field-textual elementor-field  elementor-size-sm\" name=\"form_fields[message]\" id=\"form-field-message\" rows=\"4\" placeholder=\"Message\"><\/textarea>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-group elementor-column elementor-field-type-submit elementor-col-100 e-form__buttons\">\n\t\t\t\t\t<button class=\"elementor-button elementor-size-xs\" type=\"submit\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get a Mortgage That Fits Your Situation<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/form>\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\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-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___6a2b833a5506f\" ><h3 class=\"heading-section-subtitle  style-color\">ABOUT KARIM HAMMAL<\/h3><div class=\"heading-section-title  display-inline-block\"><h2 class=\"heading-title\">Personalized Mortgage Advice You Can Trust<\/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\">Buying, refinancing, or renewing a mortgage can feel overwhelming \u2014 especially when every bank gives a different answer.<\/p><p data-start=\"861\" data-end=\"995\">I help you understand your options, compare lenders, and choose a mortgage that truly fits your goals \u2014 not just today, but long term.<\/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\">Access to 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-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\">Clear explanations with no pressure or 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\">Advice tailored to your financial situation<\/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\">Support 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-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>Mortgage Broker \u2014 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\tExpert Advisor\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\tI take the time to understand your situation and explain every option clearly, so you can move forward with confidence.\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\tMortgage Solutions\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\tFrom first-time buyers to renewals, refinancing, and investment properties \u2014 I help you find the right 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\tFinancial Clarity\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\tNo guesswork, no surprises. Just honest advice to help you make smart, informed mortgage decisions.\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-cfa1a34 elementor-pagination-type-bullets elementor-pagination-position-outside 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;01d3012&quot;},{&quot;slide_title&quot;:&quot;Slide #2&quot;,&quot;_id&quot;:&quot;e4a70ce&quot;},{&quot;slide_title&quot;:&quot;Slide #3&quot;,&quot;_id&quot;:&quot;590e0d7&quot;},{&quot;slide_title&quot;:&quot;Slide #3&quot;,&quot;_id&quot;:&quot;1f41244&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&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;pagination&quot;:&quot;bullets&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 of 4\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-404f2dd e-flex e-con-boxed e-con e-child\" data-id=\"404f2dd\" 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-9a1d168 elementor-widget elementor-widget-image\" data-id=\"9a1d168\" 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=\"691\" height=\"1024\" src=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/WhatsApp-Image-2026-01-16-at-8.27.23-AM-691x1024.jpeg\" class=\"attachment-large size-large wp-image-876\" alt=\"\" srcset=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/WhatsApp-Image-2026-01-16-at-8.27.23-AM-691x1024.jpeg 691w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/WhatsApp-Image-2026-01-16-at-8.27.23-AM-202x300.jpeg 202w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/WhatsApp-Image-2026-01-16-at-8.27.23-AM-768x1139.jpeg 768w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/WhatsApp-Image-2026-01-16-at-8.27.23-AM-1036x1536.jpeg 1036w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/WhatsApp-Image-2026-01-16-at-8.27.23-AM.jpeg 1079w\" sizes=\"(max-width: 691px) 100vw, 691px\" \/>\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 of 4\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-048ccd1 e-flex e-con-boxed e-con e-child\" data-id=\"048ccd1\" 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-375a642 elementor-widget elementor-widget-image\" data-id=\"375a642\" 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=\"735\" height=\"1024\" src=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/WhatsApp-Image-2026-01-15-at-9.13.43-PM-735x1024.jpeg\" class=\"attachment-large size-large wp-image-875\" alt=\"\" srcset=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/WhatsApp-Image-2026-01-15-at-9.13.43-PM-735x1024.jpeg 735w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/WhatsApp-Image-2026-01-15-at-9.13.43-PM-215x300.jpeg 215w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/WhatsApp-Image-2026-01-15-at-9.13.43-PM-768x1070.jpeg 768w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/WhatsApp-Image-2026-01-15-at-9.13.43-PM-1102x1536.jpeg 1102w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/WhatsApp-Image-2026-01-15-at-9.13.43-PM.jpeg 1148w\" sizes=\"(max-width: 735px) 100vw, 735px\" \/>\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 of 4\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-909729a e-flex e-con-boxed e-con e-child\" data-id=\"909729a\" 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-210a17b elementor-widget elementor-widget-image\" data-id=\"210a17b\" 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=\"800\" height=\"768\" src=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/WhatsApp-Image-2026-01-15-at-9.13.23-PM-1024x983.jpeg\" class=\"attachment-large size-large wp-image-874\" alt=\"\" srcset=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/WhatsApp-Image-2026-01-15-at-9.13.23-PM-1024x983.jpeg 1024w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/WhatsApp-Image-2026-01-15-at-9.13.23-PM-300x288.jpeg 300w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/WhatsApp-Image-2026-01-15-at-9.13.23-PM-768x737.jpeg 768w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/WhatsApp-Image-2026-01-15-at-9.13.23-PM.jpeg 1284w\" 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\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 of 4\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ef346eb e-flex e-con-boxed e-con e-child\" data-id=\"ef346eb\" 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-236380c elementor-widget elementor-widget-image\" data-id=\"236380c\" 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=\"473\" height=\"1024\" src=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/WhatsApp-Image-2026-01-16-at-10.44.34-AM-473x1024.jpeg\" class=\"attachment-large size-large wp-image-883\" alt=\"\" srcset=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/WhatsApp-Image-2026-01-16-at-10.44.34-AM-473x1024.jpeg 473w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/WhatsApp-Image-2026-01-16-at-10.44.34-AM-139x300.jpeg 139w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/WhatsApp-Image-2026-01-16-at-10.44.34-AM-709x1536.jpeg 709w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/WhatsApp-Image-2026-01-16-at-10.44.34-AM.jpeg 739w\" sizes=\"(max-width: 473px) 100vw, 473px\" \/>\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<div class=\"swiper-pagination\"><\/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\">Let\u2019s Find the Right Mortgage for You<\/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__1_6a2b833a56b1b\" ><h3 class=\"heading-section-subtitle  style-color\">SERVICES<\/h3><div class=\"heading-section-title  display-inline-block\"><h2 class=\"heading-title\">Mortgage Solutions Built Around You<\/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__2_6a2b833a595ad\" ><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=\"\" 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\">Home Purchase &amp; Pre-Approval<\/h2>\n                <div class=\"body-description\"><p>Whether you're a first-time homebuyer or buying a new home, I'll guide you through every step to secure clear, fast financing tailored to your 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\">Get My Mortgage Options<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__3_6a2b833a5b2c6\" ><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=\"\" 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\">Mortgage Renewal &amp; Refinancing<\/h2>\n                <div class=\"body-description\"><p>Take advantage of your renewal or equity to improve your terms, reduce your payments, or achieve your goals with an optimized strategy.<\/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\">Get My Mortgage Options<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__4_6a2b833a5c889\" ><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=\"\" 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\">Debt Consolidation and Financial Solutions<\/h2>\n                <div class=\"body-description\"><p>Credit cards, loans, lines of credit. Combine your debts, reduce your payments, and regain control of your 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\">Get My Mortgage Options<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-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__5_6a2b833a5ddb4\" ><h3 class=\"heading-section-subtitle  style-color\">Mortgage Broker vs. Bank \u2014 What\u2019s the Difference?<\/h3><div class=\"heading-section-title  display-inline-block\"><h2 class=\"heading-title\">Compare your options and see why broker guidance makes a real difference<\/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\">MORTGAGE BROKER<\/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\">FEATURE<\/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\">BANK (DIRECT)<\/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\">Access to a wide panel of lenders and hundreds of loan products.<\/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=\"\" 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\">CHOICE<\/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\">Limited to the products offered by that single bank.<\/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\">Works for you, the client. Legally bound by the Best Interests Duty.<\/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=\"\" 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\">ALLEGIANCE<\/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\">Works for the bank. Their primary duty is to their employer.<\/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\">Provides tailored advice based on a comparison of the wider market.<\/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=\"\" 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\">ADVISE<\/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\">Provides information only on their own products.<\/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\">Manages the entire process, from research to settlement.<\/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=\"\" 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\">You manage much of the comparison and research yourself.<\/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\">MORTGAGE BROKER<\/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\">FEATURE<\/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\">Access to a wide panel of lenders and hundreds of loan products.<\/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=\"\" 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\">CHOICE<\/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\">Works for you, the client. Legally bound by the Best Interests Duty.<\/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=\"\" 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\">ALLEGIANCE<\/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\">Provides tailored advice based on a comparison of the wider market.<\/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=\"\" 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\">ADVISE<\/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\">Manages the entire process, from research to settlement.<\/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=\"\" 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\">BANK (DIRECT)<\/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\">FEATURE<\/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\">Limited to the products offered by that single bank.<\/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=\"\" 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\">CHOICE<\/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\">Works for the bank. Their primary duty is to their employer.<\/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=\"\" 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\">ALLEGIANCE<\/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\">Provides information only on their own products.<\/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=\"\" 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\">ADVISE<\/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\">You manage much of the comparison and research yourself.<\/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=\"\" 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\">Let\u2019s Find the Right Mortgage for You<\/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;\">Blank Form (#3)<\/legend><input type='hidden' name='__fluent_form_embded_post_id' value='14' \/><input type=\"hidden\" id=\"_fluentform_3_fluentformnonce\" name=\"_fluentform_3_fluentformnonce\" value=\"511396a297\" \/><input type=\"hidden\" name=\"_wp_http_referer\" value=\"\/fr\/wp-json\/wp\/v2\/pages\/14\" \/><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=\"Email\">Email<\/label><\/div><div class='ff-el-input--content'><input type=\"email\" name=\"email\" id=\"ff_3_3_email\" class=\"ff-el-form-control\" placeholder=\"Email Address\" 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=\"Find My Mortgage\">Find My Mortgage<\/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__6_6a2b833a630e3\" ><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=\"600\" data-animation-duration=\"3500\">0<\/span>\n        <span class=\"suffix\"><\/span><sup class=\"super\">+<\/sup><\/div>\n                <h2 class=\"title\">Clients Guided<\/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__7_6a2b833a6389c\" ><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=\"600\" data-animation-duration=\"3500\">0<\/span>\n        <span class=\"suffix\"><\/span><sup class=\"super\">+<\/sup><\/div>\n                <h2 class=\"title\">Happy Clients Across Quebec<\/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__8_6a2b833a63f23\" ><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=\"10\" data-animation-duration=\"3500\">0<\/span>\n        <span class=\"suffix\"><\/span><sup class=\"super\">+ Year<\/sup><\/div>\n                <h2 class=\"title\">Mortgage &amp; Banking Experience<\/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__9_6a2b833a64589\" ><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=\"600\" data-animation-duration=\"3500\">0<\/span>\n        <span class=\"suffix\"><\/span><sup class=\"super\">+<\/sup><\/div>\n                <h2 class=\"title\">Home Financing Cases Handled<\/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__10_6a2b833a6502c\" ><h3 class=\"heading-section-subtitle  style-color\">HOW IT WORKS<\/h3><div class=\"heading-section-title  display-inline-block\"><h2 class=\"heading-title\">A Simple, Guided Mortgage Process<\/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__11_6a2b833a68519\" ><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) Share Your Situation with Us<\/h2><p class=\"icon-box-description\">Tell me about your goals, finances, and timeline. This helps me understand what you need before suggesting any banks or lenders.<\/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__12_6a2b833a690b2\" ><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) Compare the Best Options<\/h2><p class=\"icon-box-description\">I review offers from multiple lenders to find mortgage solutions that fit your situation \u2014 not just one bank\u2019s products.<\/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__13_6a2b833a69ac8\" ><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) Find the Perfect Bank or Lender<\/h2><p class=\"icon-box-description\">Once you choose the right option, I guide you through approval, paperwork, and closing \u2014 all the way to the finish line.<\/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__14_6a2b833a6a820\" ><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) Find the Perfect Solution<\/h2><p class=\"icon-box-description\">Once choose the right option, I guide you through approval, paperwork, and closing \u2014 all the way.<\/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__15_6a2b833a6b41d\" ><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) Share Your Situation <\/h2><p class=\"icon-box-description\">Tell me about your goals, finances, and timeline. This helps me understand what you need before suggesting any banks or lenders.<\/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__16_6a2b833a6c1b0\" ><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) Compare the Best Options<\/h2><p class=\"icon-box-description\">I review offers from multiple lenders to find mortgage solutions that fit your situation \u2014 not just one bank\u2019s products.<\/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__17_6a2b833a6cbeb\" ><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) Find the Perfect Solution<\/h2><p class=\"icon-box-description\">Once choose the right option, I guide you through approval, paperwork, and closing \u2014 all the way.<\/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__18_6a2b833a6d7fb\" ><h3 class=\"heading-section-subtitle  style-color\">TESTIMONIALS<\/h3><div class=\"heading-section-title  display-inline-block\"><h2 class=\"heading-title\">What Clients Say About Working With Me<\/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\">\u2b50 Trusted by homeowners, buyers, and investors<\/p><p data-start=\"753\" data-end=\"800\">\u2b50 Clear guidance from pre-approval to closing<\/p><p data-start=\"803\" data-end=\"852\">\u2b50 Long-term client relationships built on trust<\/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__19_6a2b833a6e24f\" ><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=\"600\" data-animation-duration=\"3500\">0<\/span>\n        <span class=\"suffix\"><\/span><sup class=\"super\">+<\/sup><\/div>\n                <h2 class=\"title\">Happy Clients Across Quebec<\/h2>\n            <\/div>\n        <\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cc812f0 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"cc812f0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;zoomIn&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bb713d3 elementor-widget elementor-widget-image\" data-id=\"bb713d3\" 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=\"800\" height=\"288\" src=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/Picture8-1024x368.png\" class=\"attachment-large size-large wp-image-897\" alt=\"\" srcset=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/Picture8-1024x368.png 1024w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/Picture8-300x108.png 300w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/Picture8-768x276.png 768w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/Picture8.png 1513w\" 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-71a7f60 elementor-widget elementor-widget-image\" data-id=\"71a7f60\" 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=\"800\" height=\"382\" src=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/Picture5-1024x489.png\" class=\"attachment-large size-large wp-image-894\" alt=\"\" srcset=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/Picture5-1024x489.png 1024w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/Picture5-300x143.png 300w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/Picture5-768x367.png 768w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/Picture5.png 1328w\" 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-424f7bf elementor-widget elementor-widget-image\" data-id=\"424f7bf\" 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=\"800\" height=\"378\" src=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/Picture7-1024x484.png\" class=\"attachment-large size-large wp-image-896\" alt=\"\" srcset=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/Picture7-1024x484.png 1024w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/Picture7-300x142.png 300w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/Picture7-768x363.png 768w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/Picture7.png 1284w\" 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<div class=\"elementor-element elementor-element-371e281 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"371e281\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;zoomIn&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b153a87 elementor-widget elementor-widget-image\" data-id=\"b153a87\" 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=\"800\" height=\"534\" src=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/Picture6-1024x683.png\" class=\"attachment-large size-large wp-image-895\" alt=\"\" srcset=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/Picture6-1024x683.png 1024w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/Picture6-300x200.png 300w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/Picture6-768x513.png 768w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/Picture6.png 1284w\" 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-ad23c85 elementor-widget elementor-widget-image\" data-id=\"ad23c85\" 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=\"800\" height=\"385\" src=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/Picture2.png\" class=\"attachment-large size-large wp-image-891\" alt=\"\" srcset=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/Picture2.png 909w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/Picture2-300x145.png 300w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/Picture2-768x370.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<div class=\"elementor-element elementor-element-1f82cb5 e-con-full e-flex e-con e-child\" data-id=\"1f82cb5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5f6f4cf elementor-widget elementor-widget-image\" data-id=\"5f6f4cf\" 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=\"621\" height=\"106\" src=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/Picture4.png\" class=\"attachment-large size-large wp-image-893\" alt=\"\" srcset=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/Picture4.png 621w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/Picture4-300x51.png 300w\" sizes=\"(max-width: 621px) 100vw, 621px\" \/>\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-f277010 elementor-widget elementor-widget-image\" data-id=\"f277010\" 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=\"800\" height=\"149\" src=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/Picture3.png\" class=\"attachment-large size-large wp-image-892\" alt=\"\" srcset=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/Picture3.png 877w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/Picture3-300x56.png 300w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/Picture3-768x143.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>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e90907e elementor-pagination-type-bullets elementor-pagination-position-outside elementor-invisible elementor-widget elementor-widget-n-carousel\" data-id=\"e90907e\" 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;01d3012&quot;},{&quot;slide_title&quot;:&quot;Slide #2&quot;,&quot;_id&quot;:&quot;e4a70ce&quot;},{&quot;slide_title&quot;:&quot;Slide #3&quot;,&quot;_id&quot;:&quot;590e0d7&quot;},{&quot;slide_title&quot;:&quot;Slide #3&quot;,&quot;_id&quot;:&quot;1f41244&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;image_spacing_custom_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;_animation&quot;:&quot;zoomIn&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;pagination&quot;:&quot;bullets&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 of 4\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-375e45e e-flex e-con-boxed e-con e-child\" data-id=\"375e45e\" 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-6af2396 elementor-widget elementor-widget-image\" data-id=\"6af2396\" 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=\"691\" height=\"1024\" src=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/WhatsApp-Image-2026-01-16-at-8.27.23-AM-691x1024.jpeg\" class=\"attachment-large size-large wp-image-876\" alt=\"\" srcset=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/WhatsApp-Image-2026-01-16-at-8.27.23-AM-691x1024.jpeg 691w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/WhatsApp-Image-2026-01-16-at-8.27.23-AM-202x300.jpeg 202w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/WhatsApp-Image-2026-01-16-at-8.27.23-AM-768x1139.jpeg 768w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/WhatsApp-Image-2026-01-16-at-8.27.23-AM-1036x1536.jpeg 1036w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/WhatsApp-Image-2026-01-16-at-8.27.23-AM.jpeg 1079w\" sizes=\"(max-width: 691px) 100vw, 691px\" \/>\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 of 4\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a6b2d5f e-flex e-con-boxed e-con e-child\" data-id=\"a6b2d5f\" 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-f360667 elementor-widget elementor-widget-image\" data-id=\"f360667\" 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=\"735\" height=\"1024\" src=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/WhatsApp-Image-2026-01-15-at-9.13.43-PM-735x1024.jpeg\" class=\"attachment-large size-large wp-image-875\" alt=\"\" srcset=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/WhatsApp-Image-2026-01-15-at-9.13.43-PM-735x1024.jpeg 735w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/WhatsApp-Image-2026-01-15-at-9.13.43-PM-215x300.jpeg 215w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/WhatsApp-Image-2026-01-15-at-9.13.43-PM-768x1070.jpeg 768w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/WhatsApp-Image-2026-01-15-at-9.13.43-PM-1102x1536.jpeg 1102w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/WhatsApp-Image-2026-01-15-at-9.13.43-PM.jpeg 1148w\" sizes=\"(max-width: 735px) 100vw, 735px\" \/>\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 of 4\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8dda69b e-flex e-con-boxed e-con e-child\" data-id=\"8dda69b\" 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-b8e84d8 elementor-widget elementor-widget-image\" data-id=\"b8e84d8\" 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=\"800\" height=\"768\" src=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/WhatsApp-Image-2026-01-15-at-9.13.23-PM-1024x983.jpeg\" class=\"attachment-large size-large wp-image-874\" alt=\"\" srcset=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/WhatsApp-Image-2026-01-15-at-9.13.23-PM-1024x983.jpeg 1024w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/WhatsApp-Image-2026-01-15-at-9.13.23-PM-300x288.jpeg 300w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/WhatsApp-Image-2026-01-15-at-9.13.23-PM-768x737.jpeg 768w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/WhatsApp-Image-2026-01-15-at-9.13.23-PM.jpeg 1284w\" 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\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 of 4\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3288180 e-flex e-con-boxed e-con e-child\" data-id=\"3288180\" 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-6648e7d elementor-widget elementor-widget-image\" data-id=\"6648e7d\" 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=\"473\" height=\"1024\" src=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/WhatsApp-Image-2026-01-16-at-10.44.34-AM-473x1024.jpeg\" class=\"attachment-large size-large wp-image-883\" alt=\"\" srcset=\"https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/WhatsApp-Image-2026-01-16-at-10.44.34-AM-473x1024.jpeg 473w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/WhatsApp-Image-2026-01-16-at-10.44.34-AM-139x300.jpeg 139w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/WhatsApp-Image-2026-01-16-at-10.44.34-AM-709x1536.jpeg 709w, https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/WhatsApp-Image-2026-01-16-at-10.44.34-AM.jpeg 739w\" sizes=\"(max-width: 473px) 100vw, 473px\" \/>\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<div class=\"swiper-pagination\"><\/div>\n\t\t\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\">Start With Expert Mortgage Guidance<\/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\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-625ecba elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"625ecba\" 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-3865929c elementor-invisible\" data-id=\"3865929c\" 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-308e2193 elementor-widget elementor-widget-jkit_heading\" data-id=\"308e2193\" 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__20_6a2b833a6ed3f\" ><h3 class=\"heading-section-subtitle  style-color\">FREQUENTLY ASKED QUESTIONS<\/h3><div class=\"heading-section-title  display-inline-block\"><h2 class=\"heading-title\">Answers to Common Mortgage Questions<\/h2><\/div><div class=\"heading-section-separator\"><div class=\"separator-wrapper style-solid\"><\/div><\/div><div class=\"heading-section-description\"><p>Clear answers to help you understand the mortgage process and feel confident before getting started.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e691499 elementor-align-left elementor-hidden-mobile elementor-widget elementor-widget-button\" data-id=\"e691499\" 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\">Start With Expert Guidance<\/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-36d0a79c elementor-invisible\" data-id=\"36d0a79c\" 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-1a6d00d5 elementor-widget elementor-widget-jkit_accordion\" data-id=\"1a6d00d5\" 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__21_6a2b833a734ad\" ><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\">Why should I work with a mortgage broker instead of going directly to a bank?<\/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>A mortgage broker compares options from multiple lenders, not just one bank. This means better choices, clearer advice, and a mortgage that fits your situation \u2014 not the bank\u2019s sales targets.<\/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\">Does working with a mortgage broker cost me anything?<\/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>In most cases, no. Mortgage brokers are typically paid by the lender, not the client. I\u2019ll always explain everything clearly upfront so there are no surprises.<\/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\">Can you help with first-time homebuyers?<\/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>Yes. I guide first-time buyers through every step \u2014 from pre-approval to closing \u2014 and make sure everything is explained clearly and simply.<\/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\">Should I renew my mortgage with my bank or explore other 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>Many homeowners automatically renew with their bank, but that\u2019s not always the best choice. I review your situation and compare options to help you secure better terms when 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\">How long does the mortgage process take?<\/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>Timelines vary, but pre-approvals can often be done quickly. Once we review your information, I\u2019ll give you a clear idea of next steps and timing.<\/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__22_6a2b833a746bb\" ><div class=\"heading-section-title  display-inline-block\"><h2 class=\"heading-title\">Still Have Questions About Your Mortgage Options?<span class=\"style-color\"><span>Let\u2019s Talk and Find the Right Mortgage for You<\/span><\/span><\/h2><\/div><div class=\"heading-section-description\"><p>Whether you\u2019re buying, renewing, or refinancing, a quick conversation can help clarify your options and next steps. No pressure \u2014 just clear, honest guidance.<\/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;\">Blank Form (#3)<\/legend><input type='hidden' name='__fluent_form_embded_post_id' value='14' \/><input type=\"hidden\" id=\"_fluentform_3_fluentformnonce\" name=\"_fluentform_3_fluentformnonce\" value=\"511396a297\" \/><input type=\"hidden\" name=\"_wp_http_referer\" value=\"\/fr\/wp-json\/wp\/v2\/pages\/14\" \/><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=\"Email\">Email<\/label><\/div><div class='ff-el-input--content'><input type=\"email\" name=\"email\" id=\"ff_3_4_email\" class=\"ff-el-form-control\" placeholder=\"Email Address\" 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=\"Find My Mortgage\">Find My Mortgage<\/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\">Let's Find the right brokerage for you<\/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\">Schedule an appointment now.<\/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>TRUSTED MORTGAGE BROKER IN QUEBEC Mortgage Advice for Buyers, Homeowners &amp; Investors Trusted by 600+ buyers and homeowners in Quebec Compare rates from multiple lenders, not just one bank Save time, money, and unnecessary stress Guided from pre-approval to closing Blank Form (#3) EmailFind My Mortgage https:\/\/karimhammal.ca\/wp-content\/uploads\/2026\/01\/about-me-video.mp4 TRUSTED MORTGAGE BROKER IN QUEBEC Mortgage Advice for [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-14","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/karimhammal.ca\/fr\/wp-json\/wp\/v2\/pages\/14","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/karimhammal.ca\/fr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/karimhammal.ca\/fr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/karimhammal.ca\/fr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/karimhammal.ca\/fr\/wp-json\/wp\/v2\/comments?post=14"}],"version-history":[{"count":0,"href":"https:\/\/karimhammal.ca\/fr\/wp-json\/wp\/v2\/pages\/14\/revisions"}],"wp:attachment":[{"href":"https:\/\/karimhammal.ca\/fr\/wp-json\/wp\/v2\/media?parent=14"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}