{"id":587,"date":"2016-09-12T16:55:39","date_gmt":"2016-09-12T20:55:39","guid":{"rendered":"http:\/\/simon.wps.dev\/fr\/sample-page\/"},"modified":"2026-06-14T21:27:10","modified_gmt":"2026-06-15T01:27:10","slug":"sample-page","status":"publish","type":"page","link":"https:\/\/thelmamortgages.ca\/fr\/","title":{"rendered":"Courtier hypoth\u00e9caire \u00e0 Montr\u00e9al et au Qu\u00e9bec"},"content":{"rendered":"<div class=\"widget blue full\" id=\"sow-editor\" data-index=\"0\"><div class=\"so-widget-sow-editor so-widget-sow-editor-base\"><h3 class=\"widget-title\">Courtier hypoth\u00e9caire Montr\u00e9al et Qu\u00e9bec <\/h3>\n<div class=\"siteorigin-widget-tinymce textwidget\">\n\t<div style=\"max-width: 1100px; margin: auto; background: #ffffff; padding: 30px 18px; border-radius: 10px; margin-bottom: 30px; box-shadow: 0 2px 8px rgba(0,0,0,0.05);\">\n<p><!-- HERO SECTION --><\/p>\n<div style=\"text-align: center; margin-bottom: 35px;\">\n<p style=\"font-size: 18px; line-height: 1.6; color: #555555; max-width: 760px; margin: auto; margin-bottom: 20px;\">J\u2019aide les acheteurs, propri\u00e9taires, travailleurs autonomes et nouveaux arrivants \u00e0 comparer des solutions hypoth\u00e9caires aupr\u00e8s de plusieurs pr\u00eateurs \u00e0 travers le Qu\u00e9bec. Un accompagnement hypoth\u00e9caire est disponible en fran\u00e7ais, en anglais et en espagnol pour les clients de Montr\u00e9al, Laval et partout au Qu\u00e9bec.<\/p>\n<p><a style=\"background: #18b7ea; color: #ffffff; padding: 11px 24px; text-decoration: none; border-radius: 5px; font-size: 15px; font-weight: bold; display: inline-block; margin: 5px;\" href=\"https:\/\/thelmamortgages.ca\/fr\/mortgages\/how-to-apply\/\">Faire une demande<\/a><\/p>\n<\/div>\n<p><!-- HOW CAN I HELP --><\/p>\n<div style=\"max-width: 820px; margin: 35px auto 45px auto; padding: 0 10px;\">\n<h2 style=\"font-size: 28px; color: #0047b3; font-weight: 800; text-align: center; margin-bottom: 8px;\">Comment puis-je vous aider?<\/h2>\n<p style=\"font-size: 15px; color: #666666; text-align: center; margin-bottom: 25px;\">Choisissez la solution hypoth\u00e9caire qui correspond le mieux \u00e0 votre situation.<\/p>\n<div style=\"display: flex; flex-wrap: wrap; gap: 12px; justify-content: center; align-items: stretch;\">\n<p><!-- BUYING A HOME --><\/p>\n<div style=\"width: 235px; background: #ffffff; border-radius: 8px; overflow: hidden; box-shadow: 0 2px 8px rgba(0,0,0,0.08);\">\n<p><a style=\"text-decoration: none;\" href=\"\/fr\/home-purchase\/home-purchase-overview\/\"><br \/><img style=\"width: 100%; height: 120px; object-fit: cover; display: block;\" src=\"https:\/\/thelmamortgages.ca\/wp-content\/uploads\/2026\/06\/SS-AMH_EN_1-1-scaled.jpg\" alt=\"Acheter une propri\u00e9t\u00e9\" \/><\/a><\/p>\n<div style=\"padding: 12px;\">\n<h3 style=\"font-size: 18px; color: #0047b3; margin: 0 0 7px 0;\">Acheter une propri\u00e9t\u00e9<\/h3>\n<p style=\"font-size: 13px; line-height: 1.45; color: #555555; margin: 0 0 8px 0;\">Explorez les options hypoth\u00e9caires pour votre premi\u00e8re maison ou votre prochain achat immobilier.<\/p>\n<p><span style=\"color: #0047b3; font-size: 13px; font-weight: bold;\">En savoir plus \u2192<\/span><\/p>\n<\/div>\n<\/div>\n<p><!-- REFINANCING --><\/p>\n<div style=\"width: 235px; background: #ffffff; border-radius: 8px; overflow: hidden; box-shadow: 0 2px 8px rgba(0,0,0,0.08);\">\n<p><a style=\"text-decoration: none;\" href=\"\/fr\/refinance\/\"><br \/><img loading=\"lazy\" class=\"alignnone\" style=\"width: 100%; height: 120px; object-fit: cover; display: block;\" src=\"https:\/\/thelmamortgages.ca\/wp-content\/uploads\/2026\/06\/refinance_13-1-scaled.jpg\" alt=\"Refinancement hypoth\u00e9caire\" width=\"235\" height=\"120\" \/><\/a><\/p>\n<div style=\"padding: 12px;\">\n<h3 style=\"font-size: 18px; color: #0047b3; margin: 0 0 7px 0;\">Refinancement<\/h3>\n<p style=\"font-size: 13px; line-height: 1.45; color: #555555; margin: 0 0 8px 0;\">Acc\u00e9dez \u00e0 l\u2019\u00e9quit\u00e9 de votre propri\u00e9t\u00e9, consolidez vos dettes ou am\u00e9liorez votre liquidit\u00e9 mensuelle.<\/p>\n<p><span style=\"color: #0047b3; font-size: 13px; font-weight: bold;\">En savoir plus \u2192<\/span><\/p>\n<\/div>\n<\/div>\n<p><!-- MORTGAGE RENEWAL --><\/p>\n<div style=\"width: 235px; background: #ffffff; border-radius: 8px; overflow: hidden; box-shadow: 0 2px 8px rgba(0,0,0,0.08);\">\n<p><a style=\"text-decoration: none;\" href=\"\/fr\/mortgages\/mortgage-renewal-quebec\/\"><br \/><img style=\"width: 100%; height: 120px; object-fit: cover; display: block;\" src=\"https:\/\/thelmamortgages.ca\/wp-content\/uploads\/2026\/06\/SSA-Blank-EN8.jpg\" alt=\"Renouvellement hypoth\u00e9caire\" \/><\/a><\/p>\n<div style=\"padding: 12px;\">\n<h3 style=\"font-size: 18px; color: #0047b3; margin: 0 0 7px 0;\">Renouvellement hypoth\u00e9caire<\/h3>\n<p style=\"font-size: 13px; line-height: 1.45; color: #555555; margin: 0 0 8px 0;\">Comparez vos options de renouvellement avant de signer avec votre pr\u00eateur actuel.<\/p>\n<p><span style=\"color: #0047b3; font-size: 13px; font-weight: bold;\">En savoir plus \u2192<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><!-- WORK WITH A BROKER --><\/p>\n<div style=\"background: #f7fbff; padding: 25px; border-radius: 10px; margin-bottom: 35px;\">\n<h2 style=\"font-size: 26px; color: #0047b3; font-weight: 800; margin-bottom: 12px;\">Travailler avec une courti\u00e8re hypoth\u00e9caire<\/h2>\n<p style=\"font-size: 16px; line-height: 1.6; color: #555555;\">Au lieu d\u2019\u00eatre limit\u00e9e aux produits d\u2019une seule banque, je vous aide \u00e0 comparer des options hypoth\u00e9caires aupr\u00e8s de banques, caisses, pr\u00eateurs monolignes et pr\u00eateurs alternatifs.<\/p>\n<ul style=\"font-size: 15px; line-height: 1.7; color: #555555;\">\n<li>Acc\u00e8s \u00e0 plusieurs pr\u00eateurs<\/li>\n<li>Conseils hypoth\u00e9caires personnalis\u00e9s<\/li>\n<li>Accompagnement tout au long du processus de demande<\/li>\n<li>Solutions pour acheteurs, propri\u00e9taires, travailleurs autonomes et nouveaux arrivants<\/li>\n<li>Service disponible \u00e0 Montr\u00e9al, Laval et partout au Qu\u00e9bec<\/li>\n<\/ul>\n<\/div>\n<p><!-- MEET THELMA --><\/p>\n<div style=\"display: flex; flex-wrap: wrap; gap: 25px; align-items: center; margin-bottom: 35px;\">\n<div style=\"flex: 1 1 220px; text-align: center;\"><img loading=\"lazy\" class=\"size-medium wp-image-1855\" style=\"border-radius: 10px;\" src=\"https:\/\/thelmamortgages.ca\/wp-content\/uploads\/2026\/05\/IMG_2753-230x300.jpeg\" alt=\"Thelma Pareras Varela courti\u00e8re hypoth\u00e9caire \u00e0 Montr\u00e9al et au Qu\u00e9bec\" width=\"200\" height=\"260\" srcset=\"https:\/\/thelmamortgages.ca\/wp-content\/uploads\/2026\/05\/IMG_2753-230x300.jpeg 230w, https:\/\/thelmamortgages.ca\/wp-content\/uploads\/2026\/05\/IMG_2753-786x1024.jpeg 786w, https:\/\/thelmamortgages.ca\/wp-content\/uploads\/2026\/05\/IMG_2753-768x1000.jpeg 768w, https:\/\/thelmamortgages.ca\/wp-content\/uploads\/2026\/05\/IMG_2753-1179x1536.jpeg 1179w, https:\/\/thelmamortgages.ca\/wp-content\/uploads\/2026\/05\/IMG_2753-1572x2048.jpeg 1572w, https:\/\/thelmamortgages.ca\/wp-content\/uploads\/2026\/05\/IMG_2753-scaled.jpeg 1965w\" sizes=\"(max-width: 200px) 100vw, 200px\" \/><\/div>\n<div style=\"flex: 2 1 400px;\">\n<h2 style=\"font-size: 26px; color: #0047b3; font-weight: 800; margin-bottom: 12px;\">Rencontrez Thelma Pareras Varela<\/h2>\n<p style=\"font-size: 16px; line-height: 1.6; color: #555555;\">Bonjour, je suis <strong>Thelma Pareras Varela<\/strong>, courti\u00e8re hypoth\u00e9caire autoris\u00e9e, et j\u2019aide les clients de Montr\u00e9al, Laval et partout au Qu\u00e9bec \u00e0 mieux comprendre le processus hypoth\u00e9caire.<\/p>\n<p style=\"font-size: 16px; line-height: 1.6; color: #555555;\">Que vous achetiez votre premi\u00e8re propri\u00e9t\u00e9, renouveliez votre hypoth\u00e8que, refinanciez votre maison ou exploriez des options de financement comme travailleur autonome ou nouvel arrivant au Canada, je vous aide \u00e0 comparer les solutions hypoth\u00e9caires selon vos objectifs et votre situation financi\u00e8re.<\/p>\n<p><a style=\"background: #0047b3; color: #ffffff; padding: 11px 22px; text-decoration: none; border-radius: 5px; font-size: 15px; font-weight: bold; display: inline-block;\" href=\"https:\/\/thelmamortgages.ca\/fr\/about\/contact\/\">Me contacter<\/a><\/p>\n<\/div>\n<\/div>\n<p><!-- CTA SECTION --><\/p>\n<div style=\"background: linear-gradient(135deg,#0047b3,#18b7ea); padding: 30px 20px; border-radius: 10px; text-align: center; color: #ffffff; margin-bottom: 35px;\">\n<h2 style=\"font-size: 28px; font-weight: 800; margin-bottom: 12px;\">Pr\u00eat \u00e0 explorer vos options hypoth\u00e9caires?<\/h2>\n<p style=\"font-size: 17px; line-height: 1.5; max-width: 720px; margin: auto; margin-bottom: 20px;\">Que vous souhaitiez acheter, renouveler, refinancer ou obtenir une pr\u00e9approbation, je peux vous aider \u00e0 comparer les pr\u00eateurs et \u00e0 mieux comprendre vos options.<\/p>\n<p><a style=\"background: #ffffff; color: #0047b3; padding: 11px 24px; text-decoration: none; border-radius: 5px; font-size: 15px; font-weight: bold; display: inline-block; margin: 5px;\" href=\"https:\/\/thelmamortgages.ca\/fr\/mortgages\/how-to-apply\/\">Faire une demande<\/a><\/p>\n<p><a style=\"background: #18b7ea; color: #ffffff; padding: 11px 24px; text-decoration: none; border-radius: 5px; font-size: 15px; font-weight: bold; display: inline-block; margin: 5px; border: 1px solid #ffffff;\" href=\"\/fr\/home-purchase\/mortgage-pre-approval\/\">Obtenir une pr\u00e9approbation<\/a><\/p>\n<\/div>\n<p><!-- LOCAL AUTHORITY SECTION --><\/p>\n<h2 style=\"font-size: 25px; color: #0047b3; font-weight: 800; margin-bottom: 12px;\">Services de courtage hypoth\u00e9caire \u00e0 Montr\u00e9al, Laval et partout au Qu\u00e9bec<\/h2>\n<p style=\"font-size: 16px; line-height: 1.6; color: #555555; margin-bottom: 35px;\">J\u2019accompagne les clients \u00e0 Montr\u00e9al, Laval et partout au Qu\u00e9bec afin de les aider \u00e0 comparer les taux hypoth\u00e9caires, comprendre les exigences d\u2019approbation hypoth\u00e9caire et trouver des options de financement adapt\u00e9es \u00e0 leur situation financi\u00e8re.<\/p>\n<p><!-- FAQ SECTION --><\/p>\n<div style=\"margin-top: 35px;\">\n<h2 style=\"font-size: 28px; color: #0047b3; font-weight: 800; margin-bottom: 22px; text-align: center;\">Questions fr\u00e9quentes sur l\u2019hypoth\u00e8que<\/h2>\n<h3 style=\"font-size: 20px; color: #18b7ea; margin-bottom: 8px;\">Les nouveaux arrivants peuvent-ils se qualifier pour une hypoth\u00e8que au Qu\u00e9bec?<\/h3>\n<p style=\"font-size: 16px; color: #555555; line-height: 1.6;\">Oui. Plusieurs programmes hypoth\u00e9caires peuvent aider les nouveaux arrivants \u00e0 obtenir du financement au Canada.<\/p>\n<p><a style=\"color: #0047b3; font-weight: bold;\" href=\"\/fr\/home-purchase\/new-to-canada\/\">En savoir plus \u2192<\/a><\/p>\n<h3 style=\"font-size: 20px; color: #18b7ea; margin-top: 20px;\">Quelle mise de fonds est n\u00e9cessaire?<\/h3>\n<p style=\"font-size: 16px; color: #555555; line-height: 1.6;\">Les exigences de mise de fonds varient, mais certains acheteurs peuvent se qualifier avec aussi peu que 5%.<\/p>\n<p><a style=\"color: #0047b3; font-weight: bold;\" href=\"\/fr\/home-purchase\/home-purchase-overview\/\">En savoir plus \u2192<\/a><\/p>\n<h3 style=\"font-size: 20px; color: #18b7ea; margin-top: 20px;\">Puis-je me qualifier si je suis travailleur autonome?<\/h3>\n<p style=\"font-size: 16px; color: #555555; line-height: 1.6;\">Oui. Les travailleurs autonomes peuvent se qualifier aupr\u00e8s de pr\u00eateurs traditionnels ou alternatifs.<\/p>\n<p><a style=\"color: #0047b3; font-weight: bold;\" href=\"\/fr\/home-purchase\/self-employed-solutions\/\">En savoir plus \u2192<\/a><\/p>\n<h3 style=\"font-size: 20px; color: #18b7ea; margin-top: 20px;\">Quelle cote de cr\u00e9dit est n\u00e9cessaire pour obtenir une hypoth\u00e8que?<\/h3>\n<p style=\"font-size: 16px; color: #555555; line-height: 1.6;\">Les exigences de cr\u00e9dit varient selon le pr\u00eateur et le type d\u2019hypoth\u00e8que.<\/p>\n<p><a style=\"color: #0047b3; font-weight: bold;\" href=\"\/fr\/home-purchase\/understanding-your-credit-report\/\">En savoir plus \u2192<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div><div class=\"widget blue half\" id=\"apply-now\" data-index=\"1\">\t\t\n\t\t    <div class=\"content\">\n            \t<div class=\"apply-icon\"><\/div>\n               \t<h2>Demande en ligne<\/h2>\n                <h3>Rapide, Facile, S\u00e9curis\u00e9<\/h3>\n\n                <a href=\"https:\/\/secure.dominionlending.ca\/?app=25511&lang=fr\" onclick=\"__gaTracker('send', 'event', 'outbound-article', 'https:\/\/secure.dominionlending.ca\/?app=25511&amp;lang=fr', 'Demande en ligne');\" class=\"buttons\" target=\"_blank\">Demande en ligne<\/a>\n                \n                \n            <\/div>\n       \t\n\t\t<\/div><div class=\"widget blue half\" id=\"calculators\" data-index=\"2\">\n\n\t\t\t\t\n\t\t\t\t<div class=\"content\">\n\t\t\t\t\t<h2>Nos calculatrices vous permettront d\u2019explorer vos options en mati\u00e8re de pr\u00eats hypoth\u00e9caires.<\/h2>\n\t\t\t\t\t<a class=\"buttons\" href=\"https:\/\/thelmamortgages.ca\/refinance\/refinance-calculators\/\">Cela m\u2019int\u00e9resse!<\/a>\n\t\t\t\t<\/div>\n\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<br \/>\n<h1>Courtier hypoth\u00e9caire \u00e0 Montr\u00e9al et au Qu\u00e9bec<\/h1>\n<p>J\u2019aide les acheteurs, propri\u00e9taires, travailleurs autonomes et nouveaux arrivants \u00e0 comparer des solutions hypoth\u00e9caires aupr\u00e8s de plusieurs pr\u00eateurs \u00e0 Montr\u00e9al, Laval et partout au Qu\u00e9bec.<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"page-templates\/homepage.php","meta":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v17.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<meta name=\"description\" content=\"Courti\u00e8re hypoth\u00e9caire \u00e0 Montr\u00e9al, Laval et partout au Qu\u00e9bec. 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