Need a pre-qualification letter?

Get your mortgage prequalification letter easily and free of charge from your Multi-Prêts Équipe Caron broker. To do so, they’ll ask for proof of income, family income, residence, and other relevant documents depending on your situation (for example, whether you’re an employee or self-employed). The broker will help you understand both the bank-approved budget — which complies with lender and insurer ratios — and your personal budget, based on your own financial reality.

Lock your rate months ahead

Thanks to prequalification, you can lock in your interest rate to protect yourself from potential increases — sometimes for up to 6 months. The best part? It doesn’t commit you to anything. And if interest rates drop, you can still take advantage of the new, lower rates. A true win-win situation!

Never get caught off guard with Équipe Caron

Many potential buyers who don’t work with a mortgage broker wait too long to gather all the information needed to make an offer — not to mention the steps and waiting periods required by the different parties involved in their file. The result? They run out of time to get their mortgage approved and risk missing out on an opportunity that might not come around again anytime soon. When you work with a mortgage broker, they handle everything so you’re ready to purchase your property on time. Our brokers are used to working under tight deadlines — where every single day counts.

What happens if my situation changes?

Pre-approval is not definitive: job changes, divorce, or new debts can alter the final decision. Your broker will adjust the strategy if required.

Françoise Cardyn

Residential real estate broker

Montréal

(514) 557-4523 francoise@emmanuelpaquin.ca

With a bachelor's degree in business administration and over 12 years' experience in customer service, Françoise was able to round things off by obtaining her residential real estate brokerage license to feed her ever-growing curiosity about the real estate market. Combining passion and patience to help people, she leverages both to deliver a professional yet personal service that exceeds expectations. Making sure your transaction goes as smoothly as possible is very important to her. She is committed to meeting expectations with care, diligence and honesty, in your best interests. Whether selling, buying, renting or investing, Françoise will be by your side every step of the way.

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