{"id":1302,"date":"2024-02-15T05:09:58","date_gmt":"2024-02-15T05:09:58","guid":{"rendered":"https:\/\/groupeorbis.com\/?page_id=1302"},"modified":"2024-06-07T12:18:46","modified_gmt":"2024-06-07T12:18:46","slug":"faq","status":"publish","type":"page","link":"https:\/\/groupeorbis.com\/en\/faq\/","title":{"rendered":"FAQ"},"content":{"rendered":"\n\t<section class=\"section hide-for-medium\" id=\"section_469615485\">\n\t\t<div class=\"section-bg fill\" >\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"2000\" height=\"800\" src=\"https:\/\/groupeorbis.com\/wp-content\/uploads\/2024\/02\/resources_banner-1.jpg\" class=\"bg attachment-original size-original\" alt=\"\" \/>\t\t\t\t\t\t\n\t\t\t\n\n\t\t<\/div>\n\n\t\t\n\n\t\t<div class=\"section-content relative\">\n\t\t\t\n<div class=\"row align-middle\" style=\"max-width:1300px\" id=\"row-1699327299\">\n\n\t<div id=\"col-1379574959\" class=\"col medium-5 small-12 large-5\"  >\n\t\t\t\t<div class=\"col-inner text-left\"  >\n\t\t\t\n\t\t\t\n\t<div id=\"text-616546498\" class=\"text\">\n\t\t\n<h2>Resources for <br \/>your mortgage<\/h2>\n\t\t\n<style>\n#text-616546498 {\n  font-size: 1.6rem;\n  color: #d8c348;\n}\n#text-616546498 > * {\n  color: #d8c348;\n}\n@media (min-width:550px) {\n  #text-616546498 {\n    font-size: 2rem;\n  }\n}\n<\/style>\n\t<\/div>\n\t\n\t<div id=\"text-1980251270\" class=\"text\">\n\t\t\n<p>You&#8217;re thinking about becoming a homeowner and you want to know more about mortgage? Use our calculation tools, sign up for our free workshops or contact us for free mortgage advices. Becoming a homeowner has never been so easier!<\/p>\n\t\t\n<style>\n#text-1980251270 {\n  font-size: 1rem;\n  line-height: 1.75;\n  color: rgb(255,255,255);\n}\n#text-1980251270 > * {\n  color: rgb(255,255,255);\n}\n@media (min-width:550px) {\n  #text-1980251270 {\n    font-size: 1.2rem;\n  }\n}\n<\/style>\n\t<\/div>\n\t\n\t\t<\/div>\n\t\t\t\t\n<style>\n#col-1379574959 > .col-inner {\n  padding: 20px 0px 0px 0px;\n}\n@media (min-width:550px) {\n  #col-1379574959 > .col-inner {\n    padding: 0px 30px 0px 30px;\n  }\n}\n<\/style>\n\t<\/div>\n\n\t\n<\/div>\n\t\t<\/div>\n\n\t\t\n<style>\n#section_469615485 {\n  padding-top: 0px;\n  padding-bottom: 0px;\n  min-height: 650px;\n}\n#section_469615485 .section-bg img {\n  object-position: 50% 20%;\n}\n<\/style>\n\t<\/section>\n\t\n\n\t<section class=\"section show-for-medium\" id=\"section_1844371646\">\n\t\t<div class=\"section-bg fill\" >\n\t\t\t\t\t\t\t\t\t\n\t\t\t\n\n\t\t<\/div>\n\n\t\t\n\n\t\t<div class=\"section-content relative\">\n\t\t\t\n<div class=\"row row-collapse row-full-width align-middle\"  id=\"row-973495909\">\n\n\t<div id=\"col-781146498\" class=\"col medium-6 small-12 large-6\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n<div class=\"row row-full-width align-right\"  id=\"row-643927927\">\n\n\t<div id=\"col-1022954968\" class=\"col medium-10 small-12 large-10\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\t<div id=\"text-544233794\" class=\"text\">\n\t\t\n<h2>Resources for <br \/>your mortgage<\/h2>\n\t\t\n<style>\n#text-544233794 {\n  font-size: 1.6rem;\n  color: #d8c348;\n}\n#text-544233794 > * {\n  color: #d8c348;\n}\n@media (min-width:550px) {\n  #text-544233794 {\n    font-size: 2rem;\n  }\n}\n<\/style>\n\t<\/div>\n\t\n<div class=\"row\"  id=\"row-378637198\">\n\n\t<div id=\"col-184201271\" class=\"col medium-9 small-12 large-9\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\t<div id=\"text-1634833769\" class=\"text\">\n\t\t\n<p>You&#8217;re thinking about becoming a homeowner and you want to know more about mortgage? Use our calculation tools, sign up for our free workshops or contact us for free mortgage advices. Becoming a homeowner has never been so easier!<\/p>\n\t\t\n<style>\n#text-1634833769 {\n  font-size: 1rem;\n  line-height: 2.2;\n  color: rgb(255,255,255);\n}\n#text-1634833769 > * {\n  color: rgb(255,255,255);\n}\n@media (min-width:550px) {\n  #text-1634833769 {\n    font-size: 1rem;\n  }\n}\n<\/style>\n\t<\/div>\n\t\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n<\/div>\n\t\t<\/div>\n\t\t\t\t\n<style>\n#col-1022954968 > .col-inner {\n  padding: 20px 0px 0px 0px;\n  margin: 0px 0px -30px 0px;\n}\n<\/style>\n\t<\/div>\n\n\t\n<\/div>\n\t\t<\/div>\n\t\t\t\t\n<style>\n#col-781146498 > .col-inner {\n  padding: 0px 0px 0px 15px;\n}\n<\/style>\n\t<\/div>\n\n\t\n\n\t<div id=\"col-421279032\" class=\"col medium-6 small-12 large-6 small-col-first\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\n  <div class=\"banner has-hover\" id=\"banner-432182047\">\n          <div class=\"banner-inner fill\">\n        <div class=\"banner-bg fill\" >\n            <img loading=\"lazy\" decoding=\"async\" width=\"1380\" height=\"920\" src=\"https:\/\/groupeorbis.com\/wp-content\/uploads\/2024\/02\/Resources_banner.jpg\" class=\"bg attachment-original size-original\" alt=\"\" \/>                                    \n                    <\/div>\n\t\t\n        <div class=\"banner-layers container\">\n            <div class=\"fill banner-link\"><\/div>            \n        <\/div>\n      <\/div>\n\n            \n<style>\n#banner-432182047 {\n  padding-top: 250px;\n}\n#banner-432182047 .banner-bg img {\n  object-position: 0% 0%;\n}\n@media (min-width:550px) {\n  #banner-432182047 {\n    padding-top: 800px;\n  }\n}\n<\/style>\n  <\/div>\n\n\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n<\/div>\n\t\t<\/div>\n\n\t\t\n<style>\n#section_1844371646 {\n  padding-top: 0px;\n  padding-bottom: 0px;\n  min-height: 0px;\n  background-color: #111735;\n}\n@media (min-width:550px) {\n  #section_1844371646 {\n    min-height: 800px;\n  }\n}\n<\/style>\n\t<\/section>\n\t\n\n\t<section class=\"section\" id=\"section_1288237183\">\n\t\t<div class=\"section-bg fill\" >\n\t\t\t\t\t\t\t\t\t\n\t\t\t\n\n\t\t<\/div>\n\n\t\t\n\n\t\t<div class=\"section-content relative\">\n\t\t\t\n\t<div id=\"gap-1231155868\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-1231155868 {\n  padding-top: 60px;\n}\n<\/style>\n\t<\/div>\n\t\n<div class=\"row row-collapse\" style=\"max-width:1200px\" id=\"row-728660005\">\n\n\t<div id=\"col-1474974535\" class=\"col small-12 large-12\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\t<div id=\"text-3798351898\" class=\"text\">\n\t\t\n<h2>FAQs<\/h2>\n\t\t\n<style>\n#text-3798351898 {\n  font-size: 1.6rem;\n  text-align: center;\n  color: rgb(0,0,0);\n}\n#text-3798351898 > * {\n  color: rgb(0,0,0);\n}\n@media (min-width:550px) {\n  #text-3798351898 {\n    font-size: 1.5rem;\n    text-align: center;\n  }\n}\n<\/style>\n\t<\/div>\n\t\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n\n\t<div id=\"col-1371439746\" class=\"col small-12 large-12\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\t<div id=\"text-2098971011\" class=\"text\">\n\t\t\n<p>Have questions about building? Here are some of the most common questions.<\/p>\n\t\t\n<style>\n#text-2098971011 {\n  text-align: center;\n}\n<\/style>\n\t<\/div>\n\t\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n<\/div>\n\t<div id=\"gap-408693607\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-408693607 {\n  padding-top: 30px;\n}\n<\/style>\n\t<\/div>\n\t\n<div class=\"row\" style=\"max-width:1200px\" id=\"row-621046471\">\n\n\t<div id=\"col-1174635287\" class=\"col small-12 large-12\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n<h3>Builder FAQ<\/h3>\n<div class=\"is-divider divider clearfix\" style=\"max-width:100%;height:1px;background-color:rgb(213, 213, 219);\"><\/div>\n\t<div id=\"gap-131001503\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-131001503 {\n  padding-top: 15px;\n}\n<\/style>\n\t<\/div>\n\t\n<div class=\"row\" style=\"max-width:1200px\" id=\"row-1944500308\">\n\n\t<div id=\"col-902334294\" class=\"col medium-6 small-12 large-6\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\n<style id=\"ea_dynamic_css1318\">#sp-ea-1318 .spcollapsing{height: 0; overflow: hidden; transition-property: height; transition-duration: 500ms;}#sp-ea-1318.sp-easy-accordion>.sp-ea-single.eap_inactive>.ea-header a {background-color: #bb0000 !important; color: #fff !important;}#sp-ea-1318.sp-easy-accordion>.sp-ea-single{ margin-bottom: 20px; border: 1px solid #d5d5db; border-radius: 10px;}#sp-ea-1318.sp-easy-accordion>.sp-ea-single.ea-expand{ border-color: #d5d5db;}#sp-ea-1318.sp-easy-accordion>.sp-ea-single:hover{ border-color: #d5d5db;}#sp-ea-1318.sp-easy-accordion>.sp-ea-single>.ea-header a {background: #ffffff;}#sp-ea-1318.sp-easy-accordion>.sp-ea-single.ea-expand>.ea-header a {background: #ffffff;}#sp-ea-1318.sp-easy-accordion>.sp-ea-single>.ea-header:hover a {background: #ffffff;}#sp-ea-1318.sp-easy-accordion>.sp-ea-single>.ea-header a .eap-title-icon { color: #444;font-size: 20px;} #sp-ea-1318.sp-easy-accordion>.sp-ea-single>.ea-header a .eap-title-custom-icon {max-width: 20px;}#sp-ea-1318.sp-easy-accordion>.sp-ea-single>.ea-header:hover a .eap-title-icon {color: #444;}#sp-ea-1318.sp-easy-accordion>.sp-ea-single.ea-expand>.ea-header a .eap-title-icon {color: #444;}#sp-ea-1318.sp-easy-accordion>.sp-ea-single>.ea-header a {padding: 15px 15px 15px 15px; color: #000000; font-size: 14px; line-height: 30px; text-align: left; letter-spacing: 0px; text-transform: none;font-family: Montserrat; font-weight: 700; font-style: normal;}#sp-ea-1318.sp-easy-accordion>.sp-ea-single>.ea-header:hover a {color: #000000;}#sp-ea-1318.sp-easy-accordion>.sp-ea-single.ea-expand>.ea-header a {color: #000000;}#sp-ea-1318.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body p,#sp-ea-1318.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body{background: #fff; padding: 0px 15px 15px 15px; border-radius: 0 0 10px 10px; color: #444; font-size: 16px; text-align: left; letter-spacing: 0px; line-height: 26px; animation-delay: 200ms; text-transform: none;font-family: Open Sans; font-weight: normal; font-style: normal;}#sp-ea-1318.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon.fa:before {color: #000000; font-size: 15px; font-style: normal;}#sp-ea-1318.sp-easy-accordion>.sp-ea-single>.ea-header:hover a .ea-expand-icon.fa:before {color: #000000;}#sp-ea-1318.sp-easy-accordion>.sp-ea-single.ea-expand>.ea-header a .ea-expand-icon.fa:before {color: #000000;}#sp-ea-1318.sp-easy-accordion>.sp-ea-single{border-radius: 10px; border: 1px solid #d5d5db;}#sp-ea-1318.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body{border-radius: 0 0 10px 10px; border: none;}#sp-ea-1318.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon.fa {float: right; margin-right: 10px;}#sp-ea-1318.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon.fa {margin-right: 0; margin-left: 10px;}#sp-ea-1318 #eap_faq_search_bar_container {display:none; opacity:0;}#sp-ea-1318 #eap_faq_search_bar_container span::before{content:\"\";}#sp-ea-1318.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body p{ padding:0px}#sp-eap-accordion-section-1318.sp-eap-container .sp-eap-infinite-scroll-loader,#sp-eap-accordion-section-1318.sp-eap-container div:is(.sp-eap-load-more,.sp-eap-ajax-number-pagination){text-align:center;}#sp-ea-1318>.sp-ea-single>.sp-collapse>.ea-body .eap-product-price {color: #444;}#sp-ea-1318.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body .eap-product-price del{color: rgba(68,68,68,0.71);}#sp-ea-1318.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body .eap-product-cart-button .woocommerce a { border: 1px solid #DAD6DA;border-radius: 2px;background-color: transparent;color: #444;}#sp-ea-1318.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body .eap-product-cart-button .woocommerce a:hover { border-color: #444;background-color: #444;color: #fff;}#sp-ea-1318.sp-easy-accordion>.sp-ea-single>>.sp-collapse>.ea-body .eap-product-cart-button .eap-product-quantity .eap_input_text {border: 1px solid #DAD6DA;}#sp-ea-1318.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body .eap-product-cart-button a.add_to_cart_button{position: relative;}.sp-easy-accordion .ea-card { overflow: hidden;}<\/style><div id=\"sp-eap-accordion-section-1318\" class=\"sp-eap-container\"><div id=\"sp-ea-1318\" class=\"sp-ea-one sp-easy-accordion \" data-ex-icon=\"fa-angle-right\" data-col-icon=\"fa-angle-down\" data-ea-active=\"ea-click\" data-ea-mode=\"vertical\" data-ea-multi-column=\"\" data-ea-coll=\"\" data-keep-accordion=\"\" data-autoclose=\"\" data-preloader=\"\" data-scroll-active-item=\"\" data-offset-to-scroll=\"0\" data-autoplaytime=\"3000\" data-expand=\"\" data-post-id=\"1318\" >\t<div class=\"ea-card ea-expand sp-ea-single\"  data-accordion-id= \"0\">\n\n\t\t<h3 class=\"ea-header\">\n\t\t\t<a class=\"collapsed\" data-sptoggle=\"spcollapse\" rel=\"nofollow\" data-sptarget=\"#collapse13180\" href=\"#\" data-title=\"efaq-i-am-looking-at-buying-a-new-construction-home-what-type-of-products-do-you-offer\" aria-expanded=\"true\">\n\t\t\t\t<i class=\"ea-expand-icon fa fa-angle-right\"><\/i>  I Am Looking At Buying A New Construction Home. What Type Of Products Do You Offer?\t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"sp-collapse spcollapse collapsed show\" id=\"collapse13180\" data-parent=\"#sp-ea-1318\">\n\t\t<div class=\"ea-body\"> \n<div class=\"ea-content-wrapper animated fadeIn\"> \n\t<p><span style=\"font-size: 85%;\">Various Mortgage products may be available with rate caps from 4 months up to 12 months.<\/span><\/p>\n<\/div>\n<\/div>\n\t\t\t<\/div>\n\t<\/div>\n\t\t<div class=\"ea-card  sp-ea-single\"  data-accordion-id= \"1\">\n\n\t\t<h3 class=\"ea-header\">\n\t\t\t<a class=\"collapsed\" data-sptoggle=\"spcollapse\" rel=\"nofollow\" data-sptarget=\"#collapse13181\" href=\"#\" data-title=\"efaq-what-is-a-rate-cap\" aria-expanded=\"false\">\n\t\t\t\t<i class=\"ea-expand-icon fa fa-angle-down\"><\/i>  What Is A Rate Cap?\t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"sp-collapse spcollapse \" id=\"collapse13181\" data-parent=\"#sp-ea-1318\">\n\t\t<div class=\"ea-body\"> \n<div class=\"ea-content-wrapper animated fadeIn\"> \n\t<p><span style=\"font-size: 85%;\">A rate cap locks in the maximum interest rate a client will receive for their mortgage. The rate cap is based on the rates at time of application for the selected product, less any discretionary pricing if given.<\/span><\/p>\n<\/div>\n<\/div>\n\t\t\t<\/div>\n\t<\/div>\n\t\t<div class=\"ea-card  sp-ea-single\"  data-accordion-id= \"2\">\n\n\t\t<h3 class=\"ea-header\">\n\t\t\t<a class=\"collapsed\" data-sptoggle=\"spcollapse\" rel=\"nofollow\" data-sptarget=\"#collapse13182\" href=\"#\" data-title=\"efaq-how-can-i-stay-in-my-current-house-while-i-am-building-my-new-one\" aria-expanded=\"false\">\n\t\t\t\t<i class=\"ea-expand-icon fa fa-angle-down\"><\/i>  How Can I Stay In My Current House While I Am Building My New One?\t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"sp-collapse spcollapse \" id=\"collapse13182\" data-parent=\"#sp-ea-1318\">\n\t\t<div class=\"ea-body\"> \n<div class=\"ea-content-wrapper animated fadeIn\"> \n\t<p><span style=\"font-size: 85%;\">Some self-build\/progress mortgages can fund construction of your new home while you remain in your current house. This will have to be approved by the lender. This approach, if approved by the lender, can be a more economical strategy of structuring your finances rather than selling your current home and moving to rental accommodations. Provided you qualify, the lender will require confirmation of the sale of your current home (a written unconditional sale agreement) upon reaching a predetermined point of completion of the new home.<\/span><\/p>\n<p><span style=\"font-size: 85%;\">For peace of mind and in order to ensure you have more cash to work with, many applicants opt to sell prior to starting construction on the new home and reside in short-term rental accommodations or with other family members.<\/span><\/p>\n<\/div>\n<\/div>\n\t\t\t<\/div>\n\t<\/div>\n\t\t<div class=\"ea-card  sp-ea-single\"  data-accordion-id= \"3\">\n\n\t\t<h3 class=\"ea-header\">\n\t\t\t<a class=\"collapsed\" data-sptoggle=\"spcollapse\" rel=\"nofollow\" data-sptarget=\"#collapse13183\" href=\"#\" data-title=\"efaq-can-the-interest-rate-cap-be-extended\" aria-expanded=\"false\">\n\t\t\t\t<i class=\"ea-expand-icon fa fa-angle-down\"><\/i>  Can The Interest Rate Cap Be Extended?\t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"sp-collapse spcollapse \" id=\"collapse13183\" data-parent=\"#sp-ea-1318\">\n\t\t<div class=\"ea-body\"> \n<div class=\"ea-content-wrapper animated fadeIn\"> \n\t<p><span style=\"font-size: 85%;\">No, the rate cap is set for the period chosen. If the rate cap expires, current rates will take effect.<\/span><\/p>\n<\/div>\n<\/div>\n\t\t\t<\/div>\n\t<\/div>\n\t\t<div class=\"ea-card  sp-ea-single\"  data-accordion-id= \"4\">\n\n\t\t<h3 class=\"ea-header\">\n\t\t\t<a class=\"collapsed\" data-sptoggle=\"spcollapse\" rel=\"nofollow\" data-sptarget=\"#collapse13184\" href=\"#\" data-title=\"efaq-if-my-progress-draw-mortgage-has-been-approved-as-an-insured-mortgage-but-i-can-now-afford-an-uninsured-conventional-mortgage-what-happens-to-the-insurance-premium\" aria-expanded=\"false\">\n\t\t\t\t<i class=\"ea-expand-icon fa fa-angle-down\"><\/i>  If My Progress Draw Mortgage Has Been Approved As An Insured Mortgage, But I Can Now Afford An Uninsured (Conventional) Mortgage, What Happens To The Insurance Premium?\t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"sp-collapse spcollapse \" id=\"collapse13184\" data-parent=\"#sp-ea-1318\">\n\t\t<div class=\"ea-body\"> \n<div class=\"ea-content-wrapper animated fadeIn\"> \n\t<p><span style=\"font-size: 85%;\">As the mortgage was approved as an insured mortgage you will still have to pay the original mortgage premium to the insurer, as this is part of the original terms and conditions of the mortgage, regardless of whether this mortgage is cancelled or amended to conventional.<\/span><\/p>\n<\/div>\n<\/div>\n\t\t\t<\/div>\n\t<\/div>\n\t\t<div class=\"ea-card  sp-ea-single\"  data-accordion-id= \"5\">\n\n\t\t<h3 class=\"ea-header\">\n\t\t\t<a class=\"collapsed\" data-sptoggle=\"spcollapse\" rel=\"nofollow\" data-sptarget=\"#collapse13185\" href=\"#\" data-title=\"efaq-is-the-land-draw-deducted-from-the-1st-draw\" aria-expanded=\"false\">\n\t\t\t\t<i class=\"ea-expand-icon fa fa-angle-down\"><\/i>  Is The Land Draw Deducted From The 1st Draw?\t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"sp-collapse spcollapse \" id=\"collapse13185\" data-parent=\"#sp-ea-1318\">\n\t\t<div class=\"ea-body\"> \n<div class=\"ea-content-wrapper animated fadeIn\"> \n\t<p><span style=\"font-size: 85%;\">Yes, when a land draw is approved on a conventional mortgage the 1st draw is split in to two portions (remember lands draws can be approved on conventional mortgages only).<\/span><\/p>\n<\/div>\n<\/div>\n\t\t\t<\/div>\n\t<\/div>\n\t<\/div><\/div>\n\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n\n\t<div id=\"col-1574613427\" class=\"col medium-6 small-12 large-6\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\n<style id=\"ea_dynamic_css1325\">#sp-ea-1325 .spcollapsing{height: 0; 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border: 1px solid #d5d5db;}#sp-ea-1325.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body{border-radius: 0 0 10px 10px; border: none;}#sp-ea-1325.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon.fa {float: right; margin-right: 10px;}#sp-ea-1325.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon.fa {margin-right: 0; margin-left: 10px;}#sp-ea-1325 #eap_faq_search_bar_container {display:none; opacity:0;}#sp-ea-1325 #eap_faq_search_bar_container span::before{content:\"\";}#sp-ea-1325.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body p{ padding:0px}#sp-eap-accordion-section-1325.sp-eap-container .sp-eap-infinite-scroll-loader,#sp-eap-accordion-section-1325.sp-eap-container div:is(.sp-eap-load-more,.sp-eap-ajax-number-pagination){text-align:center;}#sp-ea-1325>.sp-ea-single>.sp-collapse>.ea-body .eap-product-price {color: #444;}#sp-ea-1325.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body .eap-product-price del{color: rgba(68,68,68,0.71);}#sp-ea-1325.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body .eap-product-cart-button .woocommerce a { border: 1px solid #DAD6DA;border-radius: 2px;background-color: transparent;color: #444;}#sp-ea-1325.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body .eap-product-cart-button .woocommerce a:hover { border-color: #444;background-color: #444;color: #fff;}#sp-ea-1325.sp-easy-accordion>.sp-ea-single>>.sp-collapse>.ea-body .eap-product-cart-button .eap-product-quantity .eap_input_text {border: 1px solid #DAD6DA;}#sp-ea-1325.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body .eap-product-cart-button a.add_to_cart_button{position: relative;}.sp-easy-accordion .ea-card { overflow: hidden;}<\/style><div id=\"sp-eap-accordion-section-1325\" class=\"sp-eap-container\"><div id=\"sp-ea-1325\" class=\"sp-ea-one sp-easy-accordion \" data-ex-icon=\"fa-angle-right\" data-col-icon=\"fa-angle-down\" data-ea-active=\"ea-click\" data-ea-mode=\"vertical\" data-ea-multi-column=\"\" data-ea-coll=\"\" data-keep-accordion=\"\" data-autoclose=\"\" data-preloader=\"\" data-scroll-active-item=\"\" data-offset-to-scroll=\"0\" data-autoplaytime=\"3000\" data-expand=\"\" data-post-id=\"1325\" >\t<div class=\"ea-card  sp-ea-single\"  data-accordion-id= \"0\">\n\n\t\t<h3 class=\"ea-header\">\n\t\t\t<a class=\"collapsed\" data-sptoggle=\"spcollapse\" rel=\"nofollow\" data-sptarget=\"#collapse13250\" href=\"#\" data-title=\"efaq-can-i-have-a-land-draw-if-i-already-own-the-land\" aria-expanded=\"false\">\n\t\t\t\t<i class=\"ea-expand-icon fa fa-angle-down\"><\/i>  Can I Have A Land Draw If I Already Own The Land?\t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse13250\" data-parent=\"#sp-ea-1325\">\n\t\t<div class=\"ea-body\"> \n<div class=\"ea-content-wrapper animated fadeIn\"> \n\t<p><span style=\"font-size: 85%;\">Land draws are subject to approval for conventional mortgages when the land is being purchased, has been purchased and is free and clear, or if there is an outstanding loan secured by the land.<\/span><\/p>\n<p><span style=\"font-size: 85%;\">If property is 95-99% complete, will the lender treat as 100% complete? What is the minimum percentage lenders will fund final advance on? Lenders will only fund if the house is 100% complete (less 3% allowance for seasonal holdbacks). This means that the house can be complete to 97% and the only thing that is not complete is something like siding or pouring the driveway. If this is the case, the lender will only fund 97% to the solicitor holding back the 3% until a final inspection advises the house is 100% complete.<\/span><\/p>\n<\/div>\n<\/div>\n\t\t\t<\/div>\n\t<\/div>\n\t\t<div class=\"ea-card  sp-ea-single\"  data-accordion-id= \"1\">\n\n\t\t<h3 class=\"ea-header\">\n\t\t\t<a class=\"collapsed\" data-sptoggle=\"spcollapse\" rel=\"nofollow\" data-sptarget=\"#collapse13251\" href=\"#\" data-title=\"efaq-after-the-first-draw-can-i-change-the-terms-and-conditions-of-the-mortgage\" aria-expanded=\"false\">\n\t\t\t\t<i class=\"ea-expand-icon fa fa-angle-down\"><\/i>  After The First Draw Can I Change The Terms And Conditions Of The Mortgage?\t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse13251\" data-parent=\"#sp-ea-1325\">\n\t\t<div class=\"ea-body\"> \n<div class=\"ea-content-wrapper animated fadeIn\"> \n\t<p><span style=\"font-size: 85%;\">There are times when you can change your final mortgage terms after the first draw. You usually do not sign the final mortgage documents until the house is complete and therefore can make changes until that time.<\/span><\/p>\n<p><span style=\"font-size: 85%;\">Can I port my existing mortgage to a New Construction Mortgage to eliminate or reduce prepayment charges? For completion mortgages you must return to your existing lender with a new mortgage to maintain the portability features. The new mortgage must fully fund within 90 days of the old mortgage being paid out. Please note that conditions vary by lender, other qualifications may apply.<\/span><\/p>\n<p><span style=\"font-size: 85%;\">For progress draw mortgages, you have up to 90 days in order to maintain portability features. The first advance of the progress draw must be within 90 days, and the final advance of the completion mortgage must be within 12 months. The prepayment charge is paid upfront, and then refunded once the final completion mortgage is advanced.<\/span><\/p>\n<\/div>\n<\/div>\n\t\t\t<\/div>\n\t<\/div>\n\t\t<div class=\"ea-card  sp-ea-single\"  data-accordion-id= \"2\">\n\n\t\t<h3 class=\"ea-header\">\n\t\t\t<a class=\"collapsed\" data-sptoggle=\"spcollapse\" rel=\"nofollow\" data-sptarget=\"#collapse13252\" href=\"#\" data-title=\"efaq-how-long-do-i-have-to-build\" aria-expanded=\"false\">\n\t\t\t\t<i class=\"ea-expand-icon fa fa-angle-down\"><\/i>  How Long Do I Have To Build?\t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse13252\" data-parent=\"#sp-ea-1325\">\n\t\t<div class=\"ea-body\"> \n<div class=\"ea-content-wrapper animated fadeIn\"> \n\t<p><span style=\"font-size: 85%;\">Generally, there is no set amount of time imposed. However, keep in mind that funds will not be advanced if there is no progress in construction. Keeping to the construction timeline is far more economical to your bottom line.<\/span><\/p>\n<\/div>\n<\/div>\n\t\t\t<\/div>\n\t<\/div>\n\t\t<div class=\"ea-card  sp-ea-single\"  data-accordion-id= \"3\">\n\n\t\t<h3 class=\"ea-header\">\n\t\t\t<a class=\"collapsed\" data-sptoggle=\"spcollapse\" rel=\"nofollow\" data-sptarget=\"#collapse13253\" href=\"#\" data-title=\"efaq-on-a-self-build-mortgage-do-i-pay-interest-on-the-whole-amount-i-want-to-borrow-or-just-what-i-have-borrowed-so-far\" aria-expanded=\"false\">\n\t\t\t\t<i class=\"ea-expand-icon fa fa-angle-down\"><\/i>  On A Self-Build Mortgage Do I Pay Interest On The Whole Amount I Want To Borrow Or Just What I Have Borrowed So Far?\t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse13253\" data-parent=\"#sp-ea-1325\">\n\t\t<div class=\"ea-body\"> \n<div class=\"ea-content-wrapper animated fadeIn\"> \n\t<p><span style=\"font-size: 85%;\">You only pay interest on the amount you have actually borrowed. As your project progresses and you borrow more, your monthly interest payments will increase.<\/span><\/p>\n<\/div>\n<\/div>\n\t\t\t<\/div>\n\t<\/div>\n\t\t<div class=\"ea-card  sp-ea-single\"  data-accordion-id= \"4\">\n\n\t\t<h3 class=\"ea-header\">\n\t\t\t<a class=\"collapsed\" data-sptoggle=\"spcollapse\" rel=\"nofollow\" data-sptarget=\"#collapse13254\" href=\"#\" data-title=\"efaq-how-does-the-construction-lien-act-affect-my-construction-project-and-how-is-it-handled-during-construction\" aria-expanded=\"false\">\n\t\t\t\t<i class=\"ea-expand-icon fa fa-angle-down\"><\/i>  How Does The Construction Lien Act Affect My Construction Project And How Is It Handled During Construction?\t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse13254\" data-parent=\"#sp-ea-1325\">\n\t\t<div class=\"ea-body\"> \n<div class=\"ea-content-wrapper animated fadeIn\"> \n\t<p><span style=\"font-size: 85%;\">Any person or company that supplies your project with materials or labour has the right to place a lien against the title of your home as a method of recovery in the event of non-payment. The Construction Lien Act requires that an amount be held in trust from which a lien may be paid. The lender will instruct the solicitor to hold back an amount (usually 10% of each draw payment) until 45 days after substantial completion of the home. You should consult with your lawyer regarding the impact of the Construction Lien Act on your project.<\/span><\/p>\n<\/div>\n<\/div>\n\t\t\t<\/div>\n\t<\/div>\n\t<\/div><\/div>\n\n\t\t<\/div>\n\t\t\t\t\n<style>\n#col-1574613427 > .col-inner {\n  margin: -10px 0px 0px 0px;\n}\n@media (min-width:550px) {\n  #col-1574613427 > .col-inner {\n    margin: 0px 0px 0px 0px;\n  }\n}\n<\/style>\n\t<\/div>\n\n\t\n<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n<\/div>\n<div class=\"row\" style=\"max-width:1200px\" id=\"row-2145134527\">\n\n\t<div id=\"col-1437764893\" class=\"col small-12 large-12\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n<h3>Home Buying FAQ<\/h3>\n<div class=\"is-divider divider clearfix\" style=\"max-width:100%;height:1px;background-color:rgb(213, 213, 219);\"><\/div>\n\t<div id=\"gap-2063105496\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-2063105496 {\n  padding-top: 15px;\n}\n<\/style>\n\t<\/div>\n\t\n<div class=\"row\" style=\"max-width:1200px\" id=\"row-1478193611\">\n\n\t<div id=\"col-1472120279\" class=\"col medium-6 small-12 large-6\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\n<style id=\"ea_dynamic_css1328\">#sp-ea-1328 .spcollapsing{height: 0; overflow: hidden; transition-property: height; transition-duration: 500ms;}#sp-ea-1328.sp-easy-accordion>.sp-ea-single.eap_inactive>.ea-header a {background-color: #bb0000 !important; color: #fff !important;}#sp-ea-1328.sp-easy-accordion>.sp-ea-single{ margin-bottom: 20px; border: 1px solid #d5d5db; border-radius: 10px;}#sp-ea-1328.sp-easy-accordion>.sp-ea-single.ea-expand{ border-color: #d5d5db;}#sp-ea-1328.sp-easy-accordion>.sp-ea-single:hover{ border-color: #d5d5db;}#sp-ea-1328.sp-easy-accordion>.sp-ea-single>.ea-header a {background: #ffffff;}#sp-ea-1328.sp-easy-accordion>.sp-ea-single.ea-expand>.ea-header a {background: #ffffff;}#sp-ea-1328.sp-easy-accordion>.sp-ea-single>.ea-header:hover a {background: #ffffff;}#sp-ea-1328.sp-easy-accordion>.sp-ea-single>.ea-header a .eap-title-icon { color: #444;font-size: 20px;} #sp-ea-1328.sp-easy-accordion>.sp-ea-single>.ea-header a .eap-title-custom-icon {max-width: 20px;}#sp-ea-1328.sp-easy-accordion>.sp-ea-single>.ea-header:hover a .eap-title-icon {color: #444;}#sp-ea-1328.sp-easy-accordion>.sp-ea-single.ea-expand>.ea-header a .eap-title-icon {color: #444;}#sp-ea-1328.sp-easy-accordion>.sp-ea-single>.ea-header a {padding: 15px 15px 15px 15px; color: #000000; font-size: 14px; line-height: 30px; text-align: left; letter-spacing: 0px; text-transform: none;font-family: Montserrat; font-weight: 700; font-style: normal;}#sp-ea-1328.sp-easy-accordion>.sp-ea-single>.ea-header:hover a {color: #000000;}#sp-ea-1328.sp-easy-accordion>.sp-ea-single.ea-expand>.ea-header a {color: #000000;}#sp-ea-1328.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body p,#sp-ea-1328.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body{background: #fff; padding: 0px 15px 15px 15px; border-radius: 0 0 10px 10px; color: #444; font-size: 16px; text-align: left; letter-spacing: 0px; line-height: 26px; animation-delay: 200ms; text-transform: none;font-family: Open Sans; font-weight: normal; font-style: normal;}#sp-ea-1328.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon.fa:before {color: #000000; font-size: 15px; font-style: normal;}#sp-ea-1328.sp-easy-accordion>.sp-ea-single>.ea-header:hover a .ea-expand-icon.fa:before {color: #000000;}#sp-ea-1328.sp-easy-accordion>.sp-ea-single.ea-expand>.ea-header a .ea-expand-icon.fa:before {color: #000000;}#sp-ea-1328.sp-easy-accordion>.sp-ea-single{border-radius: 10px; border: 1px solid #d5d5db;}#sp-ea-1328.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body{border-radius: 0 0 10px 10px; border: none;}#sp-ea-1328.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon.fa {float: right; margin-right: 10px;}#sp-ea-1328.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon.fa {margin-right: 0; margin-left: 10px;}#sp-ea-1328 #eap_faq_search_bar_container {display:none; opacity:0;}#sp-ea-1328 #eap_faq_search_bar_container span::before{content:\"\";}#sp-ea-1328.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body p{ padding:0px}#sp-eap-accordion-section-1328.sp-eap-container .sp-eap-infinite-scroll-loader,#sp-eap-accordion-section-1328.sp-eap-container div:is(.sp-eap-load-more,.sp-eap-ajax-number-pagination){text-align:center;}#sp-ea-1328>.sp-ea-single>.sp-collapse>.ea-body .eap-product-price {color: #444;}#sp-ea-1328.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body .eap-product-price del{color: rgba(68,68,68,0.71);}#sp-ea-1328.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body .eap-product-cart-button .woocommerce a { border: 1px solid #DAD6DA;border-radius: 2px;background-color: transparent;color: #444;}#sp-ea-1328.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body .eap-product-cart-button .woocommerce a:hover { border-color: #444;background-color: #444;color: #fff;}#sp-ea-1328.sp-easy-accordion>.sp-ea-single>>.sp-collapse>.ea-body .eap-product-cart-button .eap-product-quantity .eap_input_text {border: 1px solid #DAD6DA;}#sp-ea-1328.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body .eap-product-cart-button a.add_to_cart_button{position: relative;}.sp-easy-accordion .ea-card { overflow: hidden;}<\/style><div id=\"sp-eap-accordion-section-1328\" class=\"sp-eap-container\"><div id=\"sp-ea-1328\" class=\"sp-ea-one sp-easy-accordion \" data-ex-icon=\"fa-angle-right\" data-col-icon=\"fa-angle-down\" data-ea-active=\"ea-click\" data-ea-mode=\"vertical\" data-ea-multi-column=\"\" data-ea-coll=\"\" data-keep-accordion=\"\" data-autoclose=\"\" data-preloader=\"\" data-scroll-active-item=\"\" data-offset-to-scroll=\"0\" data-autoplaytime=\"3000\" data-expand=\"\" data-post-id=\"1328\" >\t<div class=\"ea-card ea-expand sp-ea-single\"  data-accordion-id= \"0\">\n\n\t\t<h3 class=\"ea-header\">\n\t\t\t<a class=\"collapsed\" data-sptoggle=\"spcollapse\" rel=\"nofollow\" data-sptarget=\"#collapse13280\" href=\"#\" data-title=\"efaq-can-we-make-changes-to-the-mortgage-application-such-as-length-of-term-repayment-frequency-etc-once-the-application-has-been-submitted\" aria-expanded=\"true\">\n\t\t\t\t<i class=\"ea-expand-icon fa fa-angle-right\"><\/i>  Can We Make Changes To The Mortgage Application, Such As Length Of Term, Repayment Frequency, Etc., Once The Application Has Been Submitted?\t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"sp-collapse spcollapse collapsed show\" id=\"collapse13280\" data-parent=\"#sp-ea-1328\">\n\t\t<div class=\"ea-body\"> \n<div class=\"ea-content-wrapper animated fadeIn\"> \n\t<p><span style=\"font-size: 85%;\">Yes. Your ideal mortgage formula has probably already been created, but if you want to consider a change let\u2019s review the possible benefits and implications.<\/span><\/p>\n<\/div>\n<\/div>\n\t\t\t<\/div>\n\t<\/div>\n\t\t<div class=\"ea-card  sp-ea-single\"  data-accordion-id= \"1\">\n\n\t\t<h3 class=\"ea-header\">\n\t\t\t<a class=\"collapsed\" data-sptoggle=\"spcollapse\" rel=\"nofollow\" data-sptarget=\"#collapse13281\" href=\"#\" data-title=\"efaq-is-gst-paid-on-a-resale-home\" aria-expanded=\"false\">\n\t\t\t\t<i class=\"ea-expand-icon fa fa-angle-down\"><\/i>  Is GST Paid On A Resale Home?\t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"sp-collapse spcollapse \" id=\"collapse13281\" data-parent=\"#sp-ea-1328\">\n\t\t<div class=\"ea-body\"> \n<div class=\"ea-content-wrapper animated fadeIn\"> \n\t<p><span style=\"font-size: 85%;\">There is no GST unless the house has been renovated substantially, and then the tax is applied as if it were a new house.<\/span><\/p>\n<\/div>\n<\/div>\n\t\t\t<\/div>\n\t<\/div>\n\t<\/div><\/div>\n\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n\n\t<div id=\"col-2036353777\" class=\"col medium-6 small-12 large-6\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\n<style id=\"ea_dynamic_css1330\">#sp-ea-1330 .spcollapsing{height: 0; 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border: 1px solid #d5d5db;}#sp-ea-1330.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body{border-radius: 0 0 10px 10px; border: none;}#sp-ea-1330.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon.fa {float: right; margin-right: 10px;}#sp-ea-1330.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon.fa {margin-right: 0; margin-left: 10px;}#sp-ea-1330 #eap_faq_search_bar_container {display:none; opacity:0;}#sp-ea-1330 #eap_faq_search_bar_container span::before{content:\"\";}#sp-ea-1330.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body p{ padding:0px}#sp-eap-accordion-section-1330.sp-eap-container .sp-eap-infinite-scroll-loader,#sp-eap-accordion-section-1330.sp-eap-container div:is(.sp-eap-load-more,.sp-eap-ajax-number-pagination){text-align:center;}#sp-ea-1330>.sp-ea-single>.sp-collapse>.ea-body .eap-product-price {color: #444;}#sp-ea-1330.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body .eap-product-price del{color: rgba(68,68,68,0.71);}#sp-ea-1330.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body .eap-product-cart-button .woocommerce a { border: 1px solid #DAD6DA;border-radius: 2px;background-color: transparent;color: #444;}#sp-ea-1330.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body .eap-product-cart-button .woocommerce a:hover { border-color: #444;background-color: #444;color: #fff;}#sp-ea-1330.sp-easy-accordion>.sp-ea-single>>.sp-collapse>.ea-body .eap-product-cart-button .eap-product-quantity .eap_input_text {border: 1px solid #DAD6DA;}#sp-ea-1330.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body .eap-product-cart-button a.add_to_cart_button{position: relative;}.sp-easy-accordion .ea-card { overflow: hidden;}<\/style><div id=\"sp-eap-accordion-section-1330\" class=\"sp-eap-container\"><div id=\"sp-ea-1330\" class=\"sp-ea-one sp-easy-accordion \" data-ex-icon=\"fa-angle-right\" data-col-icon=\"fa-angle-down\" data-ea-active=\"ea-click\" data-ea-mode=\"vertical\" data-ea-multi-column=\"\" data-ea-coll=\"\" data-keep-accordion=\"\" data-autoclose=\"\" data-preloader=\"\" data-scroll-active-item=\"\" data-offset-to-scroll=\"0\" data-autoplaytime=\"3000\" data-expand=\"\" data-post-id=\"1330\" >\t<div class=\"ea-card  sp-ea-single\"  data-accordion-id= \"0\">\n\n\t\t<h3 class=\"ea-header\">\n\t\t\t<a class=\"collapsed\" data-sptoggle=\"spcollapse\" rel=\"nofollow\" data-sptarget=\"#collapse13300\" href=\"#\" data-title=\"efaq-what-is-an-iad-or-interest-adjustment-date\" aria-expanded=\"false\">\n\t\t\t\t<i class=\"ea-expand-icon fa fa-angle-down\"><\/i>  What Is An Iad Or Interest Adjustment Date?\t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse13300\" data-parent=\"#sp-ea-1330\">\n\t\t<div class=\"ea-body\"> \n<div class=\"ea-content-wrapper animated fadeIn\"> \n\t<p><span style=\"font-size: 85%;\">If your transaction is due to close in the middle of the month, but your regular mortgage payments are set for the start of the month, your first mortgage payment could be delayed for several weeks. To cover this, a date is set as the IAD and an amount is collected on closing to cover this Interest Adjustment Date period.<\/span><\/p>\n<\/div>\n<\/div>\n\t\t\t<\/div>\n\t<\/div>\n\t\t<div class=\"ea-card  sp-ea-single\"  data-accordion-id= \"1\">\n\n\t\t<h3 class=\"ea-header\">\n\t\t\t<a class=\"collapsed\" data-sptoggle=\"spcollapse\" rel=\"nofollow\" data-sptarget=\"#collapse13301\" href=\"#\" data-title=\"efaq-how-much-of-a-downpayment-will-i-need\" aria-expanded=\"false\">\n\t\t\t\t<i class=\"ea-expand-icon fa fa-angle-down\"><\/i>  How Much Of A Downpayment Will I Need?\t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse13301\" data-parent=\"#sp-ea-1330\">\n\t\t<div class=\"ea-body\"> \n<div class=\"ea-content-wrapper animated fadeIn\"> \n\t<p><span style=\"font-size: 85%;\">The downpayment usually represents between 5-20% of the total price of the property.<\/span><\/p>\n<p><span style=\"font-size: 85%;\">What is the difference between High Ratio Mortgage Insurance and Mortgage Life Insurance? High Ratio Mortgage Insurance protects the lender against payment default by the home buyer. It is required by most lenders if the home buyer has less than 20% downpayment. An insurance premium will apply. Mortgage Life Insurance protects your dependents and loved ones in the event of your death.<\/span><\/p>\n<p><span style=\"font-size: 85%;\">When the mortgage lender pays the Property Taxes, how are payments calculated? The estimated amount of your Property Taxes can be added to the mortgage payment and paid on your behalf at the appropriate times. Depending on the balance in your tax account, it may be necessary to increase or decrease the amount of monthly payments to reflect the timing of Property Tax payments.*<\/span><\/p>\n<\/div>\n<\/div>\n\t\t\t<\/div>\n\t<\/div>\n\t<\/div><\/div>\n\n\t\t<\/div>\n\t\t\t\t\n<style>\n#col-2036353777 > .col-inner {\n  margin: -10px 0px 0px 0px;\n}\n@media (min-width:550px) {\n  #col-2036353777 > .col-inner {\n    margin: 0px 0px 0px 0px;\n  }\n}\n<\/style>\n\t<\/div>\n\n\t\n<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n<\/div>\n\t\t<\/div>\n\n\t\t\n<style>\n#section_1288237183 {\n  padding-top: 0px;\n  padding-bottom: 0px;\n}\n<\/style>\n\t<\/section>\n\t\n\n\t<section class=\"section\" id=\"section_1145326666\">\n\t\t<div class=\"section-bg fill\" >\n\t\t\t\t\t\t\t\t\t\n\t\t\t\n\n\t\t<\/div>\n\n\t\t\n\n\t\t<div class=\"section-content relative\">\n\t\t\t\n\t<div id=\"gap-1954239943\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-1954239943 {\n  padding-top: 60px;\n}\n<\/style>\n\t<\/div>\n\t\n<div class=\"row row-collapse align-center\" style=\"max-width:1200px\" id=\"row-348735593\">\n\n\t<div id=\"col-1237166770\" class=\"col small-12 large-12\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\t<div id=\"text-2795097508\" class=\"text\">\n\t\t\n<h2>Mortgage Glossary<br \/>\n<\/h2>\n\t\t\n<style>\n#text-2795097508 {\n  font-size: 1.6rem;\n  text-align: center;\n  color: rgb(0,0,0);\n}\n#text-2795097508 > * {\n  color: rgb(0,0,0);\n}\n@media (min-width:550px) {\n  #text-2795097508 {\n    font-size: 1.5rem;\n    text-align: center;\n  }\n}\n<\/style>\n\t<\/div>\n\t\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n\n\t<div id=\"col-2129086237\" class=\"col medium-7 small-12 large-7\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\t<div id=\"text-1430866158\" class=\"text\">\n\t\t\n<p>We&#8217;ve put together of list of common mortgage and homebuying terms \u2028to help you better understand the process of buying a home.<\/p>\n\t\t\n<style>\n#text-1430866158 {\n  text-align: center;\n}\n<\/style>\n\t<\/div>\n\t\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n<\/div>\n\t<div id=\"gap-746085101\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-746085101 {\n  padding-top: 30px;\n}\n<\/style>\n\t<\/div>\n\t\n<div class=\"row\" style=\"max-width:1200px\" id=\"row-66905401\">\n\n\t<div id=\"col-2135857573\" class=\"col small-12 large-12\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n<h3>General Mortgage Terms<\/h3>\n<div class=\"is-divider divider clearfix\" style=\"max-width:100%;height:1px;background-color:rgb(213, 213, 219);\"><\/div>\n\t<div id=\"gap-1160188456\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-1160188456 {\n  padding-top: 15px;\n}\n<\/style>\n\t<\/div>\n\t\n<div class=\"row\" style=\"max-width:1200px\" id=\"row-1484998380\">\n\n\t<div id=\"col-521031889\" class=\"col medium-6 small-12 large-6\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\n<style id=\"ea_dynamic_css1334\">#sp-ea-1334 .spcollapsing{height: 0; overflow: hidden; transition-property: height; transition-duration: 500ms;}#sp-ea-1334.sp-easy-accordion>.sp-ea-single.eap_inactive>.ea-header a {background-color: #bb0000 !important; color: #fff !important;}#sp-ea-1334.sp-easy-accordion>.sp-ea-single{ margin-bottom: 20px; border: 1px solid #d5d5db; border-radius: 10px;}#sp-ea-1334.sp-easy-accordion>.sp-ea-single.ea-expand{ border-color: #d5d5db;}#sp-ea-1334.sp-easy-accordion>.sp-ea-single:hover{ border-color: #d5d5db;}#sp-ea-1334.sp-easy-accordion>.sp-ea-single>.ea-header a {background: #ffffff;}#sp-ea-1334.sp-easy-accordion>.sp-ea-single.ea-expand>.ea-header a {background: #ffffff;}#sp-ea-1334.sp-easy-accordion>.sp-ea-single>.ea-header:hover a {background: #ffffff;}#sp-ea-1334.sp-easy-accordion>.sp-ea-single>.ea-header a .eap-title-icon { color: #444;font-size: 20px;} #sp-ea-1334.sp-easy-accordion>.sp-ea-single>.ea-header a .eap-title-custom-icon {max-width: 20px;}#sp-ea-1334.sp-easy-accordion>.sp-ea-single>.ea-header:hover a .eap-title-icon {color: #444;}#sp-ea-1334.sp-easy-accordion>.sp-ea-single.ea-expand>.ea-header a .eap-title-icon {color: #444;}#sp-ea-1334.sp-easy-accordion>.sp-ea-single>.ea-header a {padding: 15px 15px 15px 15px; color: #000000; font-size: 14px; line-height: 30px; text-align: left; letter-spacing: 0px; text-transform: none;font-family: Montserrat; font-weight: 700; font-style: normal;}#sp-ea-1334.sp-easy-accordion>.sp-ea-single>.ea-header:hover a {color: #000000;}#sp-ea-1334.sp-easy-accordion>.sp-ea-single.ea-expand>.ea-header a {color: #000000;}#sp-ea-1334.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body p,#sp-ea-1334.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body{background: #fff; padding: 0px 15px 15px 15px; border-radius: 0 0 10px 10px; color: #444; font-size: 16px; text-align: left; letter-spacing: 0px; line-height: 26px; animation-delay: 200ms; text-transform: none;font-family: Open Sans; font-weight: normal; font-style: normal;}#sp-ea-1334.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon.fa:before {color: #000000; font-size: 15px; font-style: normal;}#sp-ea-1334.sp-easy-accordion>.sp-ea-single>.ea-header:hover a .ea-expand-icon.fa:before {color: #000000;}#sp-ea-1334.sp-easy-accordion>.sp-ea-single.ea-expand>.ea-header a .ea-expand-icon.fa:before {color: #000000;}#sp-ea-1334.sp-easy-accordion>.sp-ea-single{border-radius: 10px; border: 1px solid #d5d5db;}#sp-ea-1334.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body{border-radius: 0 0 10px 10px; border: none;}#sp-ea-1334.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon.fa {float: right; margin-right: 10px;}#sp-ea-1334.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon.fa {margin-right: 0; margin-left: 10px;}#sp-ea-1334 #eap_faq_search_bar_container {display:none; opacity:0;}#sp-ea-1334 #eap_faq_search_bar_container span::before{content:\"\";}#sp-ea-1334.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body p{ padding:0px}#sp-eap-accordion-section-1334.sp-eap-container .sp-eap-infinite-scroll-loader,#sp-eap-accordion-section-1334.sp-eap-container div:is(.sp-eap-load-more,.sp-eap-ajax-number-pagination){text-align:center;}#sp-ea-1334>.sp-ea-single>.sp-collapse>.ea-body .eap-product-price {color: #444;}#sp-ea-1334.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body .eap-product-price del{color: rgba(68,68,68,0.71);}#sp-ea-1334.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body .eap-product-cart-button .woocommerce a { border: 1px solid #DAD6DA;border-radius: 2px;background-color: transparent;color: #444;}#sp-ea-1334.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body .eap-product-cart-button .woocommerce a:hover { border-color: #444;background-color: #444;color: #fff;}#sp-ea-1334.sp-easy-accordion>.sp-ea-single>>.sp-collapse>.ea-body .eap-product-cart-button .eap-product-quantity .eap_input_text {border: 1px solid #DAD6DA;}#sp-ea-1334.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body .eap-product-cart-button a.add_to_cart_button{position: relative;}.sp-easy-accordion .ea-card { overflow: hidden;}<\/style><div id=\"sp-eap-accordion-section-1334\" class=\"sp-eap-container\"><div id=\"sp-ea-1334\" class=\"sp-ea-one sp-easy-accordion \" data-ex-icon=\"fa-angle-right\" data-col-icon=\"fa-angle-down\" data-ea-active=\"ea-click\" data-ea-mode=\"vertical\" data-ea-multi-column=\"\" data-ea-coll=\"\" data-keep-accordion=\"\" data-autoclose=\"\" data-preloader=\"\" data-scroll-active-item=\"\" data-offset-to-scroll=\"0\" data-autoplaytime=\"3000\" data-expand=\"\" data-post-id=\"1334\" >\t<div class=\"ea-card ea-expand sp-ea-single\"  data-accordion-id= \"0\">\n\n\t\t<h3 class=\"ea-header\">\n\t\t\t<a class=\"collapsed\" data-sptoggle=\"spcollapse\" rel=\"nofollow\" data-sptarget=\"#collapse13340\" href=\"#\" data-title=\"efaq-amortization\" aria-expanded=\"true\">\n\t\t\t\t<i class=\"ea-expand-icon fa fa-angle-right\"><\/i>  Amortization\t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"sp-collapse spcollapse collapsed show\" id=\"collapse13340\" data-parent=\"#sp-ea-1334\">\n\t\t<div class=\"ea-body\"> \n<div class=\"ea-content-wrapper animated fadeIn\"> \n\t<p><span style=\"font-size: 85%;\">The number of years that you take to fully pay off your mortgage (not the same as your mortgage term). Amortization periods are often 15, 20, or 25 years long.<\/span><\/p>\n<\/div>\n<\/div>\n\t\t\t<\/div>\n\t<\/div>\n\t\t<div class=\"ea-card  sp-ea-single\"  data-accordion-id= \"1\">\n\n\t\t<h3 class=\"ea-header\">\n\t\t\t<a class=\"collapsed\" data-sptoggle=\"spcollapse\" rel=\"nofollow\" data-sptarget=\"#collapse13341\" href=\"#\" data-title=\"efaq-assuming-a-mortgage\" aria-expanded=\"false\">\n\t\t\t\t<i class=\"ea-expand-icon fa fa-angle-down\"><\/i>  Assuming A Mortgage\t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"sp-collapse spcollapse \" id=\"collapse13341\" data-parent=\"#sp-ea-1334\">\n\t\t<div class=\"ea-body\"> \n<div class=\"ea-content-wrapper animated fadeIn\"> \n\t<p><span style=\"font-size: 85%;\">Taking over the obligations of the previous owner\u2019s (or builder\u2019s) mortgage when you buy a property.<\/span><\/p>\n<\/div>\n<\/div>\n\t\t\t<\/div>\n\t<\/div>\n\t\t<div class=\"ea-card  sp-ea-single\"  data-accordion-id= \"2\">\n\n\t\t<h3 class=\"ea-header\">\n\t\t\t<a class=\"collapsed\" data-sptoggle=\"spcollapse\" rel=\"nofollow\" data-sptarget=\"#collapse13342\" href=\"#\" data-title=\"efaq-buy-down-rate\" aria-expanded=\"false\">\n\t\t\t\t<i class=\"ea-expand-icon fa fa-angle-down\"><\/i>  Buy Down Rate\t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"sp-collapse spcollapse \" id=\"collapse13342\" data-parent=\"#sp-ea-1334\">\n\t\t<div class=\"ea-body\"> \n<div class=\"ea-content-wrapper animated fadeIn\"> \n\t<p><span style=\"font-size: 85%;\">The portion of the interest rate on a buyer\u2019s mortgage that you assume when they buy your home. If you\u2019re selling your home and the prospective buyer doesn\u2019t like the interest rate on their mortgage, you can offer to add a certain percentage of it onto your existing mortgage. You can add a maximum of 3%.<\/span><\/p>\n<\/div>\n<\/div>\n\t\t\t<\/div>\n\t<\/div>\n\t\t<div class=\"ea-card  sp-ea-single\"  data-accordion-id= \"3\">\n\n\t\t<h3 class=\"ea-header\">\n\t\t\t<a class=\"collapsed\" data-sptoggle=\"spcollapse\" rel=\"nofollow\" data-sptarget=\"#collapse13343\" href=\"#\" data-title=\"efaq-canada-mortgage-and-housing-corporation-cmhc\" aria-expanded=\"false\">\n\t\t\t\t<i class=\"ea-expand-icon fa fa-angle-down\"><\/i>  Canada Mortgage And Housing Corporation (Cmhc)\t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"sp-collapse spcollapse \" id=\"collapse13343\" data-parent=\"#sp-ea-1334\">\n\t\t<div class=\"ea-body\"> \n<div class=\"ea-content-wrapper animated fadeIn\"> \n\t<p><span style=\"font-size: 85%;\">A Crown corporation that administers the National Housing Act for the federal government and encourages the improvement of housing and living conditions for all Canadians. One potential source of mortgage insurance for high-ratio mortgages.<\/span><\/p>\n<\/div>\n<\/div>\n\t\t\t<\/div>\n\t<\/div>\n\t\t<div class=\"ea-card  sp-ea-single\"  data-accordion-id= \"4\">\n\n\t\t<h3 class=\"ea-header\">\n\t\t\t<a class=\"collapsed\" data-sptoggle=\"spcollapse\" rel=\"nofollow\" data-sptarget=\"#collapse13344\" href=\"#\" data-title=\"efaq-closing-costs\" aria-expanded=\"false\">\n\t\t\t\t<i class=\"ea-expand-icon fa fa-angle-down\"><\/i>  Closing Costs\t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"sp-collapse spcollapse \" id=\"collapse13344\" data-parent=\"#sp-ea-1334\">\n\t\t<div class=\"ea-body\"> \n<div class=\"ea-content-wrapper animated fadeIn\"> \n\t<p><span style=\"font-size: 85%;\">Costs that are in addition to the purchase price of a property and which are payable on the closing date. Examples include legal fees, land transfer taxes, and disbursements.<\/span><\/p>\n<\/div>\n<\/div>\n\t\t\t<\/div>\n\t<\/div>\n\t\t<div class=\"ea-card  sp-ea-single\"  data-accordion-id= \"5\">\n\n\t\t<h3 class=\"ea-header\">\n\t\t\t<a class=\"collapsed\" data-sptoggle=\"spcollapse\" rel=\"nofollow\" data-sptarget=\"#collapse13345\" href=\"#\" data-title=\"efaq-closing-date\" aria-expanded=\"false\">\n\t\t\t\t<i class=\"ea-expand-icon fa fa-angle-down\"><\/i>  Closing Date\t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"sp-collapse spcollapse \" id=\"collapse13345\" data-parent=\"#sp-ea-1334\">\n\t\t<div class=\"ea-body\"> \n<div class=\"ea-content-wrapper animated fadeIn\"> \n\t<p><span style=\"font-size: 85%;\">The date on which the sale of a property becomes final and the buyer takes possession of the property.<\/span><\/p>\n<\/div>\n<\/div>\n\t\t\t<\/div>\n\t<\/div>\n\t\t<div class=\"ea-card  sp-ea-single\"  data-accordion-id= \"6\">\n\n\t\t<h3 class=\"ea-header\">\n\t\t\t<a class=\"collapsed\" data-sptoggle=\"spcollapse\" rel=\"nofollow\" data-sptarget=\"#collapse13346\" href=\"#\" data-title=\"efaq-downpayment\" aria-expanded=\"false\">\n\t\t\t\t<i class=\"ea-expand-icon fa fa-angle-down\"><\/i>  Downpayment\t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"sp-collapse spcollapse \" id=\"collapse13346\" data-parent=\"#sp-ea-1334\">\n\t\t<div class=\"ea-body\"> \n<div class=\"ea-content-wrapper animated fadeIn\"> \n\t<p><span style=\"font-size: 85%;\">The money that you pay up front for a house. Downpayments typically range from 5%-20% of the total value of the home.<\/span><\/p>\n<\/div>\n<\/div>\n\t\t\t<\/div>\n\t<\/div>\n\t\t<div class=\"ea-card  sp-ea-single\"  data-accordion-id= \"7\">\n\n\t\t<h3 class=\"ea-header\">\n\t\t\t<a class=\"collapsed\" data-sptoggle=\"spcollapse\" rel=\"nofollow\" data-sptarget=\"#collapse13347\" href=\"#\" data-title=\"efaq-genworth-financial-canada\" aria-expanded=\"false\">\n\t\t\t\t<i class=\"ea-expand-icon fa fa-angle-down\"><\/i>  Genworth Financial Canada\t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"sp-collapse spcollapse \" id=\"collapse13347\" data-parent=\"#sp-ea-1334\">\n\t\t<div class=\"ea-body\"> \n<div class=\"ea-content-wrapper animated fadeIn\"> \n\t<p><span style=\"font-size: 85%;\">A private mortgage insurance company. One potential source of mortgage insurance for high-ratio mortgages.<\/span><\/p>\n<\/div>\n<\/div>\n\t\t\t<\/div>\n\t<\/div>\n\t\t<div class=\"ea-card  sp-ea-single\"  data-accordion-id= \"8\">\n\n\t\t<h3 class=\"ea-header\">\n\t\t\t<a class=\"collapsed\" data-sptoggle=\"spcollapse\" rel=\"nofollow\" data-sptarget=\"#collapse13348\" href=\"#\" data-title=\"efaq-home-insurance\" aria-expanded=\"false\">\n\t\t\t\t<i class=\"ea-expand-icon fa fa-angle-down\"><\/i>  Home Insurance\t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"sp-collapse spcollapse \" id=\"collapse13348\" data-parent=\"#sp-ea-1334\">\n\t\t<div class=\"ea-body\"> \n<div class=\"ea-content-wrapper animated fadeIn\"> \n\t<p><span style=\"font-size: 85%;\">Insurance to cover both your home and its contents (also referred to as property insurance). This is different from mortgage life insurance, which pays the outstanding balance of your mortgage in full if you die.<\/span><\/p>\n<\/div>\n<\/div>\n\t\t\t<\/div>\n\t<\/div>\n\t\t<div class=\"ea-card  sp-ea-single\"  data-accordion-id= \"9\">\n\n\t\t<h3 class=\"ea-header\">\n\t\t\t<a class=\"collapsed\" data-sptoggle=\"spcollapse\" rel=\"nofollow\" data-sptarget=\"#collapse13349\" href=\"#\" data-title=\"efaq-inspection\" aria-expanded=\"false\">\n\t\t\t\t<i class=\"ea-expand-icon fa fa-angle-down\"><\/i>  Inspection\t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"sp-collapse spcollapse \" id=\"collapse13349\" data-parent=\"#sp-ea-1334\">\n\t\t<div class=\"ea-body\"> \n<div class=\"ea-content-wrapper animated fadeIn\"> \n\t<p><span style=\"font-size: 85%;\">The process of having a qualified home inspector identify potential repairs to the property you are interested in and their estimated cost.<\/span><\/p>\n<\/div>\n<\/div>\n\t\t\t<\/div>\n\t<\/div>\n\t\t<div class=\"ea-card  sp-ea-single\"  data-accordion-id= \"10\">\n\n\t\t<h3 class=\"ea-header\">\n\t\t\t<a class=\"collapsed\" data-sptoggle=\"spcollapse\" rel=\"nofollow\" data-sptarget=\"#collapse133410\" href=\"#\" data-title=\"efaq-lump-sum-payment\" aria-expanded=\"false\">\n\t\t\t\t<i class=\"ea-expand-icon fa fa-angle-down\"><\/i>  Lump Sum Payment\t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"sp-collapse spcollapse \" id=\"collapse133410\" data-parent=\"#sp-ea-1334\">\n\t\t<div class=\"ea-body\"> \n<div class=\"ea-content-wrapper animated fadeIn\"> \n\t<p><span style=\"font-size: 85%;\">An extra payment that you make to reduce the amount of your mortgage principal.<\/span><\/p>\n<\/div>\n<\/div>\n\t\t\t<\/div>\n\t<\/div>\n\t<\/div><\/div>\n\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n\n\t<div id=\"col-665581924\" class=\"col medium-6 small-12 large-6\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\n<style id=\"ea_dynamic_css1335\">#sp-ea-1335 .spcollapsing{height: 0; overflow: hidden; transition-property: height; transition-duration: 500ms;}#sp-ea-1335.sp-easy-accordion>.sp-ea-single.eap_inactive>.ea-header a {background-color: #bb0000 !important; color: #fff !important;}#sp-ea-1335.sp-easy-accordion>.sp-ea-single{ margin-bottom: 20px; border: 1px solid #d5d5db; border-radius: 10px;}#sp-ea-1335.sp-easy-accordion>.sp-ea-single.ea-expand{ border-color: #d5d5db;}#sp-ea-1335.sp-easy-accordion>.sp-ea-single:hover{ border-color: #d5d5db;}#sp-ea-1335.sp-easy-accordion>.sp-ea-single>.ea-header a {background: #ffffff;}#sp-ea-1335.sp-easy-accordion>.sp-ea-single.ea-expand>.ea-header a {background: #ffffff;}#sp-ea-1335.sp-easy-accordion>.sp-ea-single>.ea-header:hover a {background: #ffffff;}#sp-ea-1335.sp-easy-accordion>.sp-ea-single>.ea-header a .eap-title-icon { color: #444;font-size: 20px;} #sp-ea-1335.sp-easy-accordion>.sp-ea-single>.ea-header a .eap-title-custom-icon {max-width: 20px;}#sp-ea-1335.sp-easy-accordion>.sp-ea-single>.ea-header:hover a .eap-title-icon {color: #444;}#sp-ea-1335.sp-easy-accordion>.sp-ea-single.ea-expand>.ea-header a .eap-title-icon {color: #444;}#sp-ea-1335.sp-easy-accordion>.sp-ea-single>.ea-header a {padding: 15px 15px 15px 15px; color: #000000; font-size: 14px; line-height: 30px; text-align: left; letter-spacing: 0px; text-transform: none;font-family: Montserrat; font-weight: 700; font-style: normal;}#sp-ea-1335.sp-easy-accordion>.sp-ea-single>.ea-header:hover a {color: #000000;}#sp-ea-1335.sp-easy-accordion>.sp-ea-single.ea-expand>.ea-header a {color: #000000;}#sp-ea-1335.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body p,#sp-ea-1335.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body{background: #fff; padding: 0px 15px 15px 15px; border-radius: 0 0 10px 10px; color: #444; font-size: 16px; text-align: left; letter-spacing: 0px; line-height: 26px; animation-delay: 200ms; text-transform: none;font-family: Open Sans; font-weight: normal; font-style: normal;}#sp-ea-1335.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon.fa:before {color: #000000; font-size: 15px; font-style: normal;}#sp-ea-1335.sp-easy-accordion>.sp-ea-single>.ea-header:hover a .ea-expand-icon.fa:before {color: #000000;}#sp-ea-1335.sp-easy-accordion>.sp-ea-single.ea-expand>.ea-header a .ea-expand-icon.fa:before {color: #000000;}#sp-ea-1335.sp-easy-accordion>.sp-ea-single{border-radius: 10px; border: 1px solid #d5d5db;}#sp-ea-1335.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body{border-radius: 0 0 10px 10px; border: none;}#sp-ea-1335.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon.fa {float: right; margin-right: 10px;}#sp-ea-1335.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon.fa {margin-right: 0; margin-left: 10px;}#sp-ea-1335 #eap_faq_search_bar_container {display:none; opacity:0;}#sp-ea-1335 #eap_faq_search_bar_container span::before{content:\"\";}#sp-ea-1335.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body p{ padding:0px}#sp-eap-accordion-section-1335.sp-eap-container .sp-eap-infinite-scroll-loader,#sp-eap-accordion-section-1335.sp-eap-container div:is(.sp-eap-load-more,.sp-eap-ajax-number-pagination){text-align:center;}#sp-ea-1335>.sp-ea-single>.sp-collapse>.ea-body .eap-product-price {color: #444;}#sp-ea-1335.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body .eap-product-price del{color: rgba(68,68,68,0.71);}#sp-ea-1335.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body .eap-product-cart-button .woocommerce a { border: 1px solid #DAD6DA;border-radius: 2px;background-color: transparent;color: #444;}#sp-ea-1335.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body .eap-product-cart-button .woocommerce a:hover { border-color: #444;background-color: #444;color: #fff;}#sp-ea-1335.sp-easy-accordion>.sp-ea-single>>.sp-collapse>.ea-body .eap-product-cart-button .eap-product-quantity .eap_input_text {border: 1px solid #DAD6DA;}#sp-ea-1335.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body .eap-product-cart-button a.add_to_cart_button{position: relative;}.sp-easy-accordion .ea-card { overflow: hidden;}<\/style><div id=\"sp-eap-accordion-section-1335\" class=\"sp-eap-container\"><div id=\"sp-ea-1335\" class=\"sp-ea-one sp-easy-accordion \" data-ex-icon=\"fa-angle-right\" data-col-icon=\"fa-angle-down\" data-ea-active=\"ea-click\" data-ea-mode=\"vertical\" data-ea-multi-column=\"\" data-ea-coll=\"\" data-keep-accordion=\"\" data-autoclose=\"\" data-preloader=\"\" data-scroll-active-item=\"\" data-offset-to-scroll=\"0\" data-autoplaytime=\"3000\" data-expand=\"\" data-post-id=\"1335\" >\t<div class=\"ea-card  sp-ea-single\"  data-accordion-id= \"0\">\n\n\t\t<h3 class=\"ea-header\">\n\t\t\t<a class=\"collapsed\" data-sptoggle=\"spcollapse\" rel=\"nofollow\" data-sptarget=\"#collapse13350\" href=\"#\" data-title=\"efaq-mortgage\" aria-expanded=\"false\">\n\t\t\t\t<i class=\"ea-expand-icon fa fa-angle-down\"><\/i>  Mortgage\t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse13350\" data-parent=\"#sp-ea-1335\">\n\t\t<div class=\"ea-body\"> \n<div class=\"ea-content-wrapper animated fadeIn\"> \n\t<p><span style=\"font-size: 85%;\">A loan that you take out in order to buy property. The collateral is the property itself.<\/span><\/p>\n<\/div>\n<\/div>\n\t\t\t<\/div>\n\t<\/div>\n\t\t<div class=\"ea-card  sp-ea-single\"  data-accordion-id= \"1\">\n\n\t\t<h3 class=\"ea-header\">\n\t\t\t<a class=\"collapsed\" data-sptoggle=\"spcollapse\" rel=\"nofollow\" data-sptarget=\"#collapse13351\" href=\"#\" data-title=\"efaq-multiple-listing-service-mls\" aria-expanded=\"false\">\n\t\t\t\t<i class=\"ea-expand-icon fa fa-angle-down\"><\/i>  Multiple Listing Service (Mls)\t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse13351\" data-parent=\"#sp-ea-1335\">\n\t\t<div class=\"ea-body\"> \n<div class=\"ea-content-wrapper animated fadeIn\"> \n\t<p><span style=\"font-size: 85%;\">A computerized listing of the properties available in your area, including information and sometimes pictures of each property.<\/span><\/p>\n<\/div>\n<\/div>\n\t\t\t<\/div>\n\t<\/div>\n\t\t<div class=\"ea-card  sp-ea-single\"  data-accordion-id= \"2\">\n\n\t\t<h3 class=\"ea-header\">\n\t\t\t<a class=\"collapsed\" data-sptoggle=\"spcollapse\" rel=\"nofollow\" data-sptarget=\"#collapse13352\" href=\"#\" data-title=\"efaq-pre-approved-mortgage-certificate\" aria-expanded=\"false\">\n\t\t\t\t<i class=\"ea-expand-icon fa fa-angle-down\"><\/i>  Pre-Approved Mortgage Certificate\t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse13352\" data-parent=\"#sp-ea-1335\">\n\t\t<div class=\"ea-body\"> \n<div class=\"ea-content-wrapper animated fadeIn\"> \n\t<p><span style=\"font-size: 85%;\">A written agreement that you will get a mortgage for a set amount of money at a set interest rate. Getting a pre-approved mortgage allows you to shop for a home without worrying how you\u2019ll pay for it.<\/span><\/p>\n<\/div>\n<\/div>\n\t\t\t<\/div>\n\t<\/div>\n\t\t<div class=\"ea-card  sp-ea-single\"  data-accordion-id= \"3\">\n\n\t\t<h3 class=\"ea-header\">\n\t\t\t<a class=\"collapsed\" data-sptoggle=\"spcollapse\" rel=\"nofollow\" data-sptarget=\"#collapse13353\" href=\"#\" data-title=\"efaq-offer-to-purchase\" aria-expanded=\"false\">\n\t\t\t\t<i class=\"ea-expand-icon fa fa-angle-down\"><\/i>  Offer To Purchase\t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse13353\" data-parent=\"#sp-ea-1335\">\n\t\t<div class=\"ea-body\"> \n<div class=\"ea-content-wrapper animated fadeIn\"> \n\t<p><span style=\"font-size: 85%;\">A legally binding agreement between you and the person who owns the house you want to buy. It includes the price you are offering, what you expect to be included with the house, and the financial conditions of sale (your financing arrangements, the closing date, etc.).<\/span><\/p>\n<\/div>\n<\/div>\n\t\t\t<\/div>\n\t<\/div>\n\t\t<div class=\"ea-card  sp-ea-single\"  data-accordion-id= \"4\">\n\n\t\t<h3 class=\"ea-header\">\n\t\t\t<a class=\"collapsed\" data-sptoggle=\"spcollapse\" rel=\"nofollow\" data-sptarget=\"#collapse13354\" href=\"#\" data-title=\"efaq-porting\" aria-expanded=\"false\">\n\t\t\t\t<i class=\"ea-expand-icon fa fa-angle-down\"><\/i>  Porting\t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse13354\" data-parent=\"#sp-ea-1335\">\n\t\t<div class=\"ea-body\"> \n<div class=\"ea-content-wrapper animated fadeIn\"> \n\t<p><span style=\"font-size: 85%;\">Transferring an existing mortgage from one home to a new home when you move. This is known as a \u201cportable\u201d mortgage.<\/span><\/p>\n<\/div>\n<\/div>\n\t\t\t<\/div>\n\t<\/div>\n\t\t<div class=\"ea-card  sp-ea-single\"  data-accordion-id= \"5\">\n\n\t\t<h3 class=\"ea-header\">\n\t\t\t<a class=\"collapsed\" data-sptoggle=\"spcollapse\" rel=\"nofollow\" data-sptarget=\"#collapse13355\" href=\"#\" data-title=\"efaq-pre-payment\" aria-expanded=\"false\">\n\t\t\t\t<i class=\"ea-expand-icon fa fa-angle-down\"><\/i>  Pre-Payment\t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse13355\" data-parent=\"#sp-ea-1335\">\n\t\t<div class=\"ea-body\"> \n<div class=\"ea-content-wrapper animated fadeIn\"> \n\t<p><span style=\"font-size: 85%;\">Repaying part of your mortgage ahead of schedule. Depending on your mortgage agreement, there may be a prepayment cost for pre-paying.<\/span><\/p>\n<\/div>\n<\/div>\n\t\t\t<\/div>\n\t<\/div>\n\t\t<div class=\"ea-card  sp-ea-single\"  data-accordion-id= \"6\">\n\n\t\t<h3 class=\"ea-header\">\n\t\t\t<a class=\"collapsed\" data-sptoggle=\"spcollapse\" rel=\"nofollow\" data-sptarget=\"#collapse13356\" href=\"#\" data-title=\"efaq-refinancing\" aria-expanded=\"false\">\n\t\t\t\t<i class=\"ea-expand-icon fa fa-angle-down\"><\/i>  Refinancing\t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse13356\" data-parent=\"#sp-ea-1335\">\n\t\t<div class=\"ea-body\"> \n<div class=\"ea-content-wrapper animated fadeIn\"> \n\t<p><span style=\"font-size: 85%;\">The process of paying out the existing mortgage for purposes of establishing a new mortgage on the same property under new terms and conditions. This is usually done when a client requires additional funds. The client may be subject to a pre-payment cost.<\/span><\/p>\n<\/div>\n<\/div>\n\t\t\t<\/div>\n\t<\/div>\n\t\t<div class=\"ea-card  sp-ea-single\"  data-accordion-id= \"7\">\n\n\t\t<h3 class=\"ea-header\">\n\t\t\t<a class=\"collapsed\" data-sptoggle=\"spcollapse\" rel=\"nofollow\" data-sptarget=\"#collapse13357\" href=\"#\" data-title=\"efaq-renewal-renewing\" aria-expanded=\"false\">\n\t\t\t\t<i class=\"ea-expand-icon fa fa-angle-down\"><\/i>  Renewal\/Renewing\t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse13357\" data-parent=\"#sp-ea-1335\">\n\t\t<div class=\"ea-body\"> \n<div class=\"ea-content-wrapper animated fadeIn\"> \n\t<p><span style=\"font-size: 85%;\">Once the original term of your mortgage expires, you have the option of renewing it with the original lender or paying off all of the balance outstanding.<\/span><\/p>\n<\/div>\n<\/div>\n\t\t\t<\/div>\n\t<\/div>\n\t\t<div class=\"ea-card  sp-ea-single\"  data-accordion-id= \"8\">\n\n\t\t<h3 class=\"ea-header\">\n\t\t\t<a class=\"collapsed\" data-sptoggle=\"spcollapse\" rel=\"nofollow\" data-sptarget=\"#collapse13358\" href=\"#\" data-title=\"efaq-term\" aria-expanded=\"false\">\n\t\t\t\t<i class=\"ea-expand-icon fa fa-angle-down\"><\/i>  Term\t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse13358\" data-parent=\"#sp-ea-1335\">\n\t\t<div class=\"ea-body\"> \n<div class=\"ea-content-wrapper animated fadeIn\"> \n\t<p><span style=\"font-size: 85%;\">The length of time during which you pay a specific rate on the mortgage loan (i.e., the number of years in your mortgage contract). This is different than the amortization period. A mortgage is usually amortized over 20-25 years, with a shorter term (typically 6 months to 5 years). After the term expires, the interest rate is usually renegotiated with the lender (your bank, for example).<\/span><\/p>\n<\/div>\n<\/div>\n\t\t\t<\/div>\n\t<\/div>\n\t<\/div><\/div>\n\n\t\t<\/div>\n\t\t\t\t\n<style>\n#col-665581924 > .col-inner {\n  margin: -20px 0px 0px 0px;\n}\n@media (min-width:550px) {\n  #col-665581924 > .col-inner {\n    margin: 0px 0px 0px 0px;\n  }\n}\n<\/style>\n\t<\/div>\n\n\t\n<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n<\/div>\n<div class=\"row\" style=\"max-width:1200px\" id=\"row-1689867817\">\n\n\t<div id=\"col-1718042895\" class=\"col small-12 large-12\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n<h3>Mortgage Types<\/h3>\n<div class=\"is-divider divider clearfix\" style=\"max-width:100%;height:1px;background-color:rgb(213, 213, 219);\"><\/div>\n\t<div id=\"gap-2134295534\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-2134295534 {\n  padding-top: 15px;\n}\n<\/style>\n\t<\/div>\n\t\n<div class=\"row\" style=\"max-width:1200px\" id=\"row-10619415\">\n\n\t<div id=\"col-691646777\" class=\"col medium-6 small-12 large-6\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\n<style id=\"ea_dynamic_css1337\">#sp-ea-1337 .spcollapsing{height: 0; 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border: 1px solid #d5d5db;}#sp-ea-1337.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body{border-radius: 0 0 10px 10px; border: none;}#sp-ea-1337.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon.fa {float: right; margin-right: 10px;}#sp-ea-1337.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon.fa {margin-right: 0; margin-left: 10px;}#sp-ea-1337 #eap_faq_search_bar_container {display:none; opacity:0;}#sp-ea-1337 #eap_faq_search_bar_container span::before{content:\"\";}#sp-ea-1337.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body p{ padding:0px}#sp-eap-accordion-section-1337.sp-eap-container .sp-eap-infinite-scroll-loader,#sp-eap-accordion-section-1337.sp-eap-container div:is(.sp-eap-load-more,.sp-eap-ajax-number-pagination){text-align:center;}#sp-ea-1337>.sp-ea-single>.sp-collapse>.ea-body .eap-product-price {color: #444;}#sp-ea-1337.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body .eap-product-price del{color: rgba(68,68,68,0.71);}#sp-ea-1337.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body .eap-product-cart-button .woocommerce a { border: 1px solid #DAD6DA;border-radius: 2px;background-color: transparent;color: #444;}#sp-ea-1337.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body .eap-product-cart-button .woocommerce a:hover { border-color: #444;background-color: #444;color: #fff;}#sp-ea-1337.sp-easy-accordion>.sp-ea-single>>.sp-collapse>.ea-body .eap-product-cart-button .eap-product-quantity .eap_input_text {border: 1px solid #DAD6DA;}#sp-ea-1337.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body .eap-product-cart-button a.add_to_cart_button{position: relative;}.sp-easy-accordion .ea-card { overflow: hidden;}<\/style><div id=\"sp-eap-accordion-section-1337\" class=\"sp-eap-container\"><div id=\"sp-ea-1337\" class=\"sp-ea-one sp-easy-accordion \" data-ex-icon=\"fa-angle-right\" data-col-icon=\"fa-angle-down\" data-ea-active=\"ea-click\" data-ea-mode=\"vertical\" data-ea-multi-column=\"\" data-ea-coll=\"\" data-keep-accordion=\"\" data-autoclose=\"\" data-preloader=\"\" data-scroll-active-item=\"\" data-offset-to-scroll=\"0\" data-autoplaytime=\"3000\" data-expand=\"\" data-post-id=\"1337\" >\t<div class=\"ea-card ea-expand sp-ea-single\"  data-accordion-id= \"0\">\n\n\t\t<h3 class=\"ea-header\">\n\t\t\t<a class=\"collapsed\" data-sptoggle=\"spcollapse\" rel=\"nofollow\" data-sptarget=\"#collapse13370\" href=\"#\" data-title=\"efaq-closed-mortgage\" aria-expanded=\"true\">\n\t\t\t\t<i class=\"ea-expand-icon fa fa-angle-right\"><\/i>  Closed Mortgage\t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"sp-collapse spcollapse collapsed show\" id=\"collapse13370\" data-parent=\"#sp-ea-1337\">\n\t\t<div class=\"ea-body\"> \n<div class=\"ea-content-wrapper animated fadeIn\"> \n\t<p><span style=\"font-size: 85%;\">This type of mortgage must usually remain unchanged for whatever term you agree to. Prepayment costs will apply if you payout, renegotiate, or refinance before the end of term.<\/span><\/p>\n<\/div>\n<\/div>\n\t\t\t<\/div>\n\t<\/div>\n\t\t<div class=\"ea-card  sp-ea-single\"  data-accordion-id= \"1\">\n\n\t\t<h3 class=\"ea-header\">\n\t\t\t<a class=\"collapsed\" data-sptoggle=\"spcollapse\" rel=\"nofollow\" data-sptarget=\"#collapse13371\" href=\"#\" data-title=\"efaq-convertible-mortgage\" aria-expanded=\"false\">\n\t\t\t\t<i class=\"ea-expand-icon fa fa-angle-down\"><\/i>  Convertible Mortgage\t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"sp-collapse spcollapse \" id=\"collapse13371\" data-parent=\"#sp-ea-1337\">\n\t\t<div class=\"ea-body\"> \n<div class=\"ea-content-wrapper animated fadeIn\"> \n\t<p><span style=\"font-size: 85%;\">This is a mortgage which offers the same security as a closed mortgage, but which can be converted to a longer, closed mortgage at any time without prepayment costs. Typically associated with fixed rate mortgages.<\/span><\/p>\n<\/div>\n<\/div>\n\t\t\t<\/div>\n\t<\/div>\n\t<\/div><\/div>\n\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n\n\t<div id=\"col-1476045748\" class=\"col medium-6 small-12 large-6\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\n<style id=\"ea_dynamic_css1339\">#sp-ea-1339 .spcollapsing{height: 0; overflow: hidden; transition-property: height; transition-duration: 500ms;}#sp-ea-1339.sp-easy-accordion>.sp-ea-single.eap_inactive>.ea-header a {background-color: #bb0000 !important; color: #fff !important;}#sp-ea-1339.sp-easy-accordion>.sp-ea-single{ margin-bottom: 20px; border: 1px solid #d5d5db; border-radius: 10px;}#sp-ea-1339.sp-easy-accordion>.sp-ea-single.ea-expand{ border-color: #d5d5db;}#sp-ea-1339.sp-easy-accordion>.sp-ea-single:hover{ border-color: #d5d5db;}#sp-ea-1339.sp-easy-accordion>.sp-ea-single>.ea-header a {background: #ffffff;}#sp-ea-1339.sp-easy-accordion>.sp-ea-single.ea-expand>.ea-header a {background: #ffffff;}#sp-ea-1339.sp-easy-accordion>.sp-ea-single>.ea-header:hover a {background: #ffffff;}#sp-ea-1339.sp-easy-accordion>.sp-ea-single>.ea-header a .eap-title-icon { color: #444;font-size: 20px;} #sp-ea-1339.sp-easy-accordion>.sp-ea-single>.ea-header a .eap-title-custom-icon {max-width: 20px;}#sp-ea-1339.sp-easy-accordion>.sp-ea-single>.ea-header:hover a .eap-title-icon {color: #444;}#sp-ea-1339.sp-easy-accordion>.sp-ea-single.ea-expand>.ea-header a .eap-title-icon {color: #444;}#sp-ea-1339.sp-easy-accordion>.sp-ea-single>.ea-header a {padding: 15px 15px 15px 15px; 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border: 1px solid #d5d5db;}#sp-ea-1339.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body{border-radius: 0 0 10px 10px; border: none;}#sp-ea-1339.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon.fa {float: right; margin-right: 10px;}#sp-ea-1339.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon.fa {margin-right: 0; margin-left: 10px;}#sp-ea-1339 #eap_faq_search_bar_container {display:none; opacity:0;}#sp-ea-1339 #eap_faq_search_bar_container span::before{content:\"\";}#sp-ea-1339.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body p{ padding:0px}#sp-eap-accordion-section-1339.sp-eap-container .sp-eap-infinite-scroll-loader,#sp-eap-accordion-section-1339.sp-eap-container div:is(.sp-eap-load-more,.sp-eap-ajax-number-pagination){text-align:center;}#sp-ea-1339>.sp-ea-single>.sp-collapse>.ea-body .eap-product-price {color: #444;}#sp-ea-1339.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body .eap-product-price del{color: rgba(68,68,68,0.71);}#sp-ea-1339.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body .eap-product-cart-button .woocommerce a { border: 1px solid #DAD6DA;border-radius: 2px;background-color: transparent;color: #444;}#sp-ea-1339.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body .eap-product-cart-button .woocommerce a:hover { border-color: #444;background-color: #444;color: #fff;}#sp-ea-1339.sp-easy-accordion>.sp-ea-single>>.sp-collapse>.ea-body .eap-product-cart-button .eap-product-quantity .eap_input_text {border: 1px solid #DAD6DA;}#sp-ea-1339.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body .eap-product-cart-button a.add_to_cart_button{position: relative;}.sp-easy-accordion .ea-card { overflow: hidden;}<\/style><div id=\"sp-eap-accordion-section-1339\" class=\"sp-eap-container\"><div id=\"sp-ea-1339\" class=\"sp-ea-one sp-easy-accordion \" data-ex-icon=\"fa-angle-right\" data-col-icon=\"fa-angle-down\" data-ea-active=\"ea-click\" data-ea-mode=\"vertical\" data-ea-multi-column=\"\" data-ea-coll=\"\" data-keep-accordion=\"\" data-autoclose=\"\" data-preloader=\"\" data-scroll-active-item=\"\" data-offset-to-scroll=\"0\" data-autoplaytime=\"3000\" data-expand=\"\" data-post-id=\"1339\" >\t<div class=\"ea-card  sp-ea-single\"  data-accordion-id= \"0\">\n\n\t\t<h3 class=\"ea-header\">\n\t\t\t<a class=\"collapsed\" data-sptoggle=\"spcollapse\" rel=\"nofollow\" data-sptarget=\"#collapse13390\" href=\"#\" data-title=\"efaq-high-ratio-mortgage\" aria-expanded=\"false\">\n\t\t\t\t<i class=\"ea-expand-icon fa fa-angle-down\"><\/i>  High-Ratio Mortgage\t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse13390\" data-parent=\"#sp-ea-1339\">\n\t\t<div class=\"ea-body\"> \n<div class=\"ea-content-wrapper animated fadeIn\"> \n\t<p><span style=\"font-size: 85%;\">The mortgage you obtain when you have less than 20% of the total purchase price to put down as your downpayment. This type of mortgage must be insured (through sources such as CMHC or Genworth Financial Canada).<\/span><\/p>\n<\/div>\n<\/div>\n\t\t\t<\/div>\n\t<\/div>\n\t\t<div class=\"ea-card  sp-ea-single\"  data-accordion-id= \"1\">\n\n\t\t<h3 class=\"ea-header\">\n\t\t\t<a class=\"collapsed\" data-sptoggle=\"spcollapse\" rel=\"nofollow\" data-sptarget=\"#collapse13391\" href=\"#\" data-title=\"efaq-open-mortgage\" aria-expanded=\"false\">\n\t\t\t\t<i class=\"ea-expand-icon fa fa-angle-down\"><\/i>  Open Mortgage\t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse13391\" data-parent=\"#sp-ea-1339\">\n\t\t<div class=\"ea-body\"> \n<div class=\"ea-content-wrapper animated fadeIn\"> \n\t<p><span style=\"font-size: 85%;\">This type of mortgage may be repaid, in part or in full, at any time during the term without any prepayment costs.This type of mortgage may be repaid, in part or in full, at any time during the term without any prepayment costs.<\/span><\/p>\n<\/div>\n<\/div>\n\t\t\t<\/div>\n\t<\/div>\n\t<\/div><\/div>\n\n\t\t<\/div>\n\t\t\t\t\n<style>\n#col-1476045748 > .col-inner {\n  margin: -20px 0px 0px 0px;\n}\n@media (min-width:550px) {\n  #col-1476045748 > .col-inner {\n    margin: 0px 0px 0px 0px;\n  }\n}\n<\/style>\n\t<\/div>\n\n\t\n<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n<\/div>\n<div class=\"row\" style=\"max-width:1200px\" id=\"row-2101909973\">\n\n\t<div id=\"col-442370986\" class=\"col small-12 large-12\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n<h3>Rate Types<\/h3>\n<div class=\"is-divider divider clearfix\" style=\"max-width:100%;height:1px;background-color:rgb(213, 213, 219);\"><\/div>\n\t<div id=\"gap-570964117\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-570964117 {\n  padding-top: 15px;\n}\n<\/style>\n\t<\/div>\n\t\n<div class=\"row\" style=\"max-width:1200px\" id=\"row-258541623\">\n\n\t<div id=\"col-1868610935\" class=\"col medium-6 small-12 large-6\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\n<style id=\"ea_dynamic_css1341\">#sp-ea-1341 .spcollapsing{height: 0; overflow: hidden; transition-property: height; transition-duration: 500ms;}#sp-ea-1341.sp-easy-accordion>.sp-ea-single.eap_inactive>.ea-header a {background-color: #bb0000 !important; color: #fff !important;}#sp-ea-1341.sp-easy-accordion>.sp-ea-single{ margin-bottom: 20px; border: 1px solid #d5d5db; border-radius: 10px;}#sp-ea-1341.sp-easy-accordion>.sp-ea-single.ea-expand{ border-color: #d5d5db;}#sp-ea-1341.sp-easy-accordion>.sp-ea-single:hover{ border-color: #d5d5db;}#sp-ea-1341.sp-easy-accordion>.sp-ea-single>.ea-header a {background: #ffffff;}#sp-ea-1341.sp-easy-accordion>.sp-ea-single.ea-expand>.ea-header a {background: #ffffff;}#sp-ea-1341.sp-easy-accordion>.sp-ea-single>.ea-header:hover a {background: #ffffff;}#sp-ea-1341.sp-easy-accordion>.sp-ea-single>.ea-header a .eap-title-icon { color: #444;font-size: 20px;} #sp-ea-1341.sp-easy-accordion>.sp-ea-single>.ea-header a .eap-title-custom-icon {max-width: 20px;}#sp-ea-1341.sp-easy-accordion>.sp-ea-single>.ea-header:hover a .eap-title-icon {color: #444;}#sp-ea-1341.sp-easy-accordion>.sp-ea-single.ea-expand>.ea-header a .eap-title-icon {color: #444;}#sp-ea-1341.sp-easy-accordion>.sp-ea-single>.ea-header a {padding: 15px 15px 15px 15px; color: #000000; font-size: 14px; line-height: 30px; text-align: left; letter-spacing: 0px; text-transform: none;font-family: Montserrat; font-weight: 700; font-style: normal;}#sp-ea-1341.sp-easy-accordion>.sp-ea-single>.ea-header:hover a {color: #000000;}#sp-ea-1341.sp-easy-accordion>.sp-ea-single.ea-expand>.ea-header a {color: #000000;}#sp-ea-1341.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body p,#sp-ea-1341.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body{background: #fff; padding: 0px 15px 15px 15px; border-radius: 0 0 10px 10px; color: #444; font-size: 16px; text-align: left; letter-spacing: 0px; line-height: 26px; animation-delay: 200ms; text-transform: none;font-family: Open Sans; font-weight: normal; font-style: normal;}#sp-ea-1341.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon.fa:before {color: #000000; font-size: 15px; font-style: normal;}#sp-ea-1341.sp-easy-accordion>.sp-ea-single>.ea-header:hover a .ea-expand-icon.fa:before {color: #000000;}#sp-ea-1341.sp-easy-accordion>.sp-ea-single.ea-expand>.ea-header a .ea-expand-icon.fa:before {color: #000000;}#sp-ea-1341.sp-easy-accordion>.sp-ea-single{border-radius: 10px; border: 1px solid #d5d5db;}#sp-ea-1341.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body{border-radius: 0 0 10px 10px; border: none;}#sp-ea-1341.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon.fa {float: right; margin-right: 10px;}#sp-ea-1341.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon.fa {margin-right: 0; margin-left: 10px;}#sp-ea-1341 #eap_faq_search_bar_container {display:none; opacity:0;}#sp-ea-1341 #eap_faq_search_bar_container span::before{content:\"\";}#sp-ea-1341.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body p{ padding:0px}#sp-eap-accordion-section-1341.sp-eap-container .sp-eap-infinite-scroll-loader,#sp-eap-accordion-section-1341.sp-eap-container div:is(.sp-eap-load-more,.sp-eap-ajax-number-pagination){text-align:center;}#sp-ea-1341>.sp-ea-single>.sp-collapse>.ea-body .eap-product-price {color: #444;}#sp-ea-1341.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body .eap-product-price del{color: rgba(68,68,68,0.71);}#sp-ea-1341.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body .eap-product-cart-button .woocommerce a { border: 1px solid #DAD6DA;border-radius: 2px;background-color: transparent;color: #444;}#sp-ea-1341.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body .eap-product-cart-button .woocommerce a:hover { border-color: #444;background-color: #444;color: #fff;}#sp-ea-1341.sp-easy-accordion>.sp-ea-single>>.sp-collapse>.ea-body .eap-product-cart-button .eap-product-quantity .eap_input_text {border: 1px solid #DAD6DA;}#sp-ea-1341.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body .eap-product-cart-button a.add_to_cart_button{position: relative;}.sp-easy-accordion .ea-card { overflow: hidden;}<\/style><div id=\"sp-eap-accordion-section-1341\" class=\"sp-eap-container\"><div id=\"sp-ea-1341\" class=\"sp-ea-one sp-easy-accordion \" data-ex-icon=\"fa-angle-right\" data-col-icon=\"fa-angle-down\" data-ea-active=\"ea-click\" data-ea-mode=\"vertical\" data-ea-multi-column=\"\" data-ea-coll=\"\" data-keep-accordion=\"\" data-autoclose=\"\" data-preloader=\"\" data-scroll-active-item=\"\" data-offset-to-scroll=\"0\" data-autoplaytime=\"3000\" data-expand=\"\" data-post-id=\"1341\" >\t<div class=\"ea-card ea-expand sp-ea-single\"  data-accordion-id= \"0\">\n\n\t\t<h3 class=\"ea-header\">\n\t\t\t<a class=\"collapsed\" data-sptoggle=\"spcollapse\" rel=\"nofollow\" data-sptarget=\"#collapse13410\" href=\"#\" data-title=\"efaq-fixed-rate-mortgage\" aria-expanded=\"true\">\n\t\t\t\t<i class=\"ea-expand-icon fa fa-angle-right\"><\/i>  Fixed Rate Mortgage\t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"sp-collapse spcollapse collapsed show\" id=\"collapse13410\" data-parent=\"#sp-ea-1341\">\n\t\t<div class=\"ea-body\"> \n<div class=\"ea-content-wrapper animated fadeIn\"> \n\t<p><span style=\"font-size: 85%;\">An interest rate that does not change during the entire mortgage term.<\/span><\/p>\n<\/div>\n<\/div>\n\t\t\t<\/div>\n\t<\/div>\n\t\t<div class=\"ea-card  sp-ea-single\"  data-accordion-id= \"1\">\n\n\t\t<h3 class=\"ea-header\">\n\t\t\t<a class=\"collapsed\" data-sptoggle=\"spcollapse\" rel=\"nofollow\" data-sptarget=\"#collapse13411\" href=\"#\" data-title=\"efaq-variable-rate-mortgage\" aria-expanded=\"false\">\n\t\t\t\t<i class=\"ea-expand-icon fa fa-angle-down\"><\/i>  Variable Rate Mortgage\t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"sp-collapse spcollapse \" id=\"collapse13411\" data-parent=\"#sp-ea-1341\">\n\t\t<div class=\"ea-body\"> \n<div class=\"ea-content-wrapper animated fadeIn\"> \n\t<p><span style=\"font-size: 85%;\">An interest rate that will fluctuate in accordance with the prevailing market prime rate during the mortgage term.<\/span><\/p>\n<\/div>\n<\/div>\n\t\t\t<\/div>\n\t<\/div>\n\t<\/div><\/div>\n\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n\n\t<div id=\"col-1476394547\" class=\"col medium-6 small-12 large-6\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\n<style id=\"ea_dynamic_css1343\">#sp-ea-1343 .spcollapsing{height: 0; overflow: hidden; transition-property: height; transition-duration: 500ms;}#sp-ea-1343.sp-easy-accordion>.sp-ea-single.eap_inactive>.ea-header a {background-color: #bb0000 !important; color: #fff !important;}#sp-ea-1343.sp-easy-accordion>.sp-ea-single{ margin-bottom: 20px; border: 1px solid #d5d5db; border-radius: 10px;}#sp-ea-1343.sp-easy-accordion>.sp-ea-single.ea-expand{ border-color: #d5d5db;}#sp-ea-1343.sp-easy-accordion>.sp-ea-single:hover{ border-color: #d5d5db;}#sp-ea-1343.sp-easy-accordion>.sp-ea-single>.ea-header a {background: #ffffff;}#sp-ea-1343.sp-easy-accordion>.sp-ea-single.ea-expand>.ea-header a {background: #ffffff;}#sp-ea-1343.sp-easy-accordion>.sp-ea-single>.ea-header:hover a {background: #ffffff;}#sp-ea-1343.sp-easy-accordion>.sp-ea-single>.ea-header a .eap-title-icon { color: #444;font-size: 20px;} #sp-ea-1343.sp-easy-accordion>.sp-ea-single>.ea-header a .eap-title-custom-icon {max-width: 20px;}#sp-ea-1343.sp-easy-accordion>.sp-ea-single>.ea-header:hover a .eap-title-icon {color: #444;}#sp-ea-1343.sp-easy-accordion>.sp-ea-single.ea-expand>.ea-header a .eap-title-icon {color: #444;}#sp-ea-1343.sp-easy-accordion>.sp-ea-single>.ea-header a {padding: 15px 15px 15px 15px; color: #000000; font-size: 14px; line-height: 30px; text-align: left; letter-spacing: 0px; text-transform: none;font-family: Montserrat; font-weight: 700; font-style: normal;}#sp-ea-1343.sp-easy-accordion>.sp-ea-single>.ea-header:hover a {color: #000000;}#sp-ea-1343.sp-easy-accordion>.sp-ea-single.ea-expand>.ea-header a {color: #000000;}#sp-ea-1343.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body p,#sp-ea-1343.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body{background: #fff; padding: 0px 15px 15px 15px; border-radius: 0 0 10px 10px; color: #444; font-size: 16px; text-align: left; letter-spacing: 0px; line-height: 26px; animation-delay: 200ms; text-transform: none;font-family: Open Sans; font-weight: normal; font-style: normal;}#sp-ea-1343.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon.fa:before {color: #000000; font-size: 15px; font-style: normal;}#sp-ea-1343.sp-easy-accordion>.sp-ea-single>.ea-header:hover a .ea-expand-icon.fa:before {color: #000000;}#sp-ea-1343.sp-easy-accordion>.sp-ea-single.ea-expand>.ea-header a .ea-expand-icon.fa:before {color: #000000;}#sp-ea-1343.sp-easy-accordion>.sp-ea-single{border-radius: 10px; border: 1px solid #d5d5db;}#sp-ea-1343.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body{border-radius: 0 0 10px 10px; border: none;}#sp-ea-1343.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon.fa {float: right; margin-right: 10px;}#sp-ea-1343.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon.fa {margin-right: 0; margin-left: 10px;}#sp-ea-1343 #eap_faq_search_bar_container {display:none; opacity:0;}#sp-ea-1343 #eap_faq_search_bar_container span::before{content:\"\";}#sp-ea-1343.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body p{ padding:0px}#sp-eap-accordion-section-1343.sp-eap-container .sp-eap-infinite-scroll-loader,#sp-eap-accordion-section-1343.sp-eap-container div:is(.sp-eap-load-more,.sp-eap-ajax-number-pagination){text-align:center;}#sp-ea-1343>.sp-ea-single>.sp-collapse>.ea-body .eap-product-price {color: #444;}#sp-ea-1343.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body .eap-product-price del{color: rgba(68,68,68,0.71);}#sp-ea-1343.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body .eap-product-cart-button .woocommerce a { border: 1px solid #DAD6DA;border-radius: 2px;background-color: transparent;color: #444;}#sp-ea-1343.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body .eap-product-cart-button .woocommerce a:hover { border-color: #444;background-color: #444;color: #fff;}#sp-ea-1343.sp-easy-accordion>.sp-ea-single>>.sp-collapse>.ea-body .eap-product-cart-button .eap-product-quantity .eap_input_text {border: 1px solid #DAD6DA;}#sp-ea-1343.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body .eap-product-cart-button a.add_to_cart_button{position: relative;}.sp-easy-accordion .ea-card { overflow: hidden;}<\/style><div id=\"sp-eap-accordion-section-1343\" class=\"sp-eap-container\"><div id=\"sp-ea-1343\" class=\"sp-ea-one sp-easy-accordion \" data-ex-icon=\"fa-angle-right\" data-col-icon=\"fa-angle-down\" data-ea-active=\"ea-click\" data-ea-mode=\"vertical\" data-ea-multi-column=\"\" data-ea-coll=\"\" data-keep-accordion=\"\" data-autoclose=\"\" data-preloader=\"\" data-scroll-active-item=\"\" data-offset-to-scroll=\"0\" data-autoplaytime=\"3000\" data-expand=\"\" data-post-id=\"1343\" >\t<div class=\"ea-card  sp-ea-single\"  data-accordion-id= \"0\">\n\n\t\t<h3 class=\"ea-header\">\n\t\t\t<a class=\"collapsed\" data-sptoggle=\"spcollapse\" rel=\"nofollow\" data-sptarget=\"#collapse13430\" href=\"#\" data-title=\"efaq-mortgage-rate\" aria-expanded=\"false\">\n\t\t\t\t<i class=\"ea-expand-icon fa fa-angle-down\"><\/i>  Mortgage Rate\t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse13430\" data-parent=\"#sp-ea-1343\">\n\t\t<div class=\"ea-body\"> \n<div class=\"ea-content-wrapper animated fadeIn\"> \n\t<p><span style=\"font-size: 85%;\">The percentage interest that you pay on top of the loan principal. For example, you may take out a mortgage of $100,000 at a rate of 12%. Your monthly payments will consist of a portion of the original $100,000, plus 12% interest.<\/span><\/p>\n<\/div>\n<\/div>\n\t\t\t<\/div>\n\t<\/div>\n\t<\/div><\/div>\n\n\t\t<\/div>\n\t\t\t\t\n<style>\n#col-1476394547 > .col-inner {\n  margin: -20px 0px 0px 0px;\n}\n@media (min-width:550px) {\n  #col-1476394547 > .col-inner {\n    margin: 0px 0px 0px 0px;\n  }\n}\n<\/style>\n\t<\/div>\n\n\t\n<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n<\/div>\n<div class=\"row\" style=\"max-width:1200px\" id=\"row-1196631982\">\n\n\t<div id=\"col-564300573\" class=\"col small-12 large-12\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n<h3>Closing Costs<\/h3>\n<div class=\"is-divider divider clearfix\" style=\"max-width:100%;height:1px;background-color:rgb(213, 213, 219);\"><\/div>\n\t<div id=\"gap-649233937\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-649233937 {\n  padding-top: 15px;\n}\n<\/style>\n\t<\/div>\n\t\n<div class=\"row\" style=\"max-width:1200px\" id=\"row-1916713614\">\n\n\t<div id=\"col-1104399613\" class=\"col medium-6 small-12 large-6\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\n<style id=\"ea_dynamic_css1345\">#sp-ea-1345 .spcollapsing{height: 0; overflow: hidden; transition-property: height; transition-duration: 500ms;}#sp-ea-1345.sp-easy-accordion>.sp-ea-single.eap_inactive>.ea-header a {background-color: #bb0000 !important; color: #fff !important;}#sp-ea-1345.sp-easy-accordion>.sp-ea-single{ margin-bottom: 20px; border: 1px solid #d5d5db; border-radius: 10px;}#sp-ea-1345.sp-easy-accordion>.sp-ea-single.ea-expand{ border-color: #d5d5db;}#sp-ea-1345.sp-easy-accordion>.sp-ea-single:hover{ border-color: #d5d5db;}#sp-ea-1345.sp-easy-accordion>.sp-ea-single>.ea-header a {background: #ffffff;}#sp-ea-1345.sp-easy-accordion>.sp-ea-single.ea-expand>.ea-header a {background: #ffffff;}#sp-ea-1345.sp-easy-accordion>.sp-ea-single>.ea-header:hover a {background: #ffffff;}#sp-ea-1345.sp-easy-accordion>.sp-ea-single>.ea-header a .eap-title-icon { color: #444;font-size: 20px;} #sp-ea-1345.sp-easy-accordion>.sp-ea-single>.ea-header a .eap-title-custom-icon {max-width: 20px;}#sp-ea-1345.sp-easy-accordion>.sp-ea-single>.ea-header:hover a .eap-title-icon {color: #444;}#sp-ea-1345.sp-easy-accordion>.sp-ea-single.ea-expand>.ea-header a .eap-title-icon {color: #444;}#sp-ea-1345.sp-easy-accordion>.sp-ea-single>.ea-header a {padding: 15px 15px 15px 15px; 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border: 1px solid #d5d5db;}#sp-ea-1345.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body{border-radius: 0 0 10px 10px; border: none;}#sp-ea-1345.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon.fa {float: right; margin-right: 10px;}#sp-ea-1345.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon.fa {margin-right: 0; margin-left: 10px;}#sp-ea-1345 #eap_faq_search_bar_container {display:none; opacity:0;}#sp-ea-1345 #eap_faq_search_bar_container span::before{content:\"\";}#sp-ea-1345.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body p{ padding:0px}#sp-eap-accordion-section-1345.sp-eap-container .sp-eap-infinite-scroll-loader,#sp-eap-accordion-section-1345.sp-eap-container div:is(.sp-eap-load-more,.sp-eap-ajax-number-pagination){text-align:center;}#sp-ea-1345>.sp-ea-single>.sp-collapse>.ea-body .eap-product-price {color: #444;}#sp-ea-1345.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body .eap-product-price del{color: rgba(68,68,68,0.71);}#sp-ea-1345.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body .eap-product-cart-button .woocommerce a { border: 1px solid #DAD6DA;border-radius: 2px;background-color: transparent;color: #444;}#sp-ea-1345.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body .eap-product-cart-button .woocommerce a:hover { border-color: #444;background-color: #444;color: #fff;}#sp-ea-1345.sp-easy-accordion>.sp-ea-single>>.sp-collapse>.ea-body .eap-product-cart-button .eap-product-quantity .eap_input_text {border: 1px solid #DAD6DA;}#sp-ea-1345.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body .eap-product-cart-button a.add_to_cart_button{position: relative;}.sp-easy-accordion .ea-card { overflow: hidden;}<\/style><div id=\"sp-eap-accordion-section-1345\" class=\"sp-eap-container\"><div id=\"sp-ea-1345\" class=\"sp-ea-one sp-easy-accordion \" data-ex-icon=\"fa-angle-right\" data-col-icon=\"fa-angle-down\" data-ea-active=\"ea-click\" data-ea-mode=\"vertical\" data-ea-multi-column=\"\" data-ea-coll=\"\" data-keep-accordion=\"\" data-autoclose=\"\" data-preloader=\"\" data-scroll-active-item=\"\" data-offset-to-scroll=\"0\" data-autoplaytime=\"3000\" data-expand=\"\" data-post-id=\"1345\" >\t<div class=\"ea-card ea-expand sp-ea-single\"  data-accordion-id= \"0\">\n\n\t\t<h3 class=\"ea-header\">\n\t\t\t<a class=\"collapsed\" data-sptoggle=\"spcollapse\" rel=\"nofollow\" data-sptarget=\"#collapse13450\" href=\"#\" data-title=\"efaq-appraisal\" aria-expanded=\"true\">\n\t\t\t\t<i class=\"ea-expand-icon fa fa-angle-right\"><\/i>  Appraisal\t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"sp-collapse spcollapse collapsed show\" id=\"collapse13450\" data-parent=\"#sp-ea-1345\">\n\t\t<div class=\"ea-body\"> \n<div class=\"ea-content-wrapper animated fadeIn\"> \n\t<p><span style=\"font-size: 85%;\">The process of determining the lending value of a property. There is usually a fee to have an appraisal done.<\/span><\/p>\n<\/div>\n<\/div>\n\t\t\t<\/div>\n\t<\/div>\n\t\t<div class=\"ea-card  sp-ea-single\"  data-accordion-id= \"1\">\n\n\t\t<h3 class=\"ea-header\">\n\t\t\t<a class=\"collapsed\" data-sptoggle=\"spcollapse\" rel=\"nofollow\" data-sptarget=\"#collapse13451\" href=\"#\" data-title=\"efaq-interest-adjustment\" aria-expanded=\"false\">\n\t\t\t\t<i class=\"ea-expand-icon fa fa-angle-down\"><\/i>  Interest Adjustment\t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"sp-collapse spcollapse \" id=\"collapse13451\" data-parent=\"#sp-ea-1345\">\n\t\t<div class=\"ea-body\"> \n<div class=\"ea-content-wrapper animated fadeIn\"> \n\t<p><span style=\"font-size: 85%;\">The amount of interest due between the date your mortgage starts and the date the first mortgage payment is calculated from. Sometimes there is a gap between the closing date of your home purchase and the first payment date of your mortgage. Let\u2019s say that the closing date on your new house is August 10th \u2013 but your mortgage payments are on the 15th of each month (so your first payment is calculated from August 15th and paid on September 15th). That leaves five days (August 10th to 14th) that aren\u2019t accounted for in your first mortgage payment. You have to make an extra payment to make up for these five days; the payment is generally due on your closing date. You can avoid all this by arranging to make your first mortgage payment exactly one payment period (e.g., one month) after your closing date.<\/span><\/p>\n<\/div>\n<\/div>\n\t\t\t<\/div>\n\t<\/div>\n\t\t<div class=\"ea-card  sp-ea-single\"  data-accordion-id= \"2\">\n\n\t\t<h3 class=\"ea-header\">\n\t\t\t<a class=\"collapsed\" data-sptoggle=\"spcollapse\" rel=\"nofollow\" data-sptarget=\"#collapse13452\" href=\"#\" data-title=\"efaq-land-transfer-tax\" aria-expanded=\"false\">\n\t\t\t\t<i class=\"ea-expand-icon fa fa-angle-down\"><\/i>  Land Transfer Tax\t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"sp-collapse spcollapse \" id=\"collapse13452\" data-parent=\"#sp-ea-1345\">\n\t\t<div class=\"ea-body\"> \n<div class=\"ea-content-wrapper animated fadeIn\"> \n\t<p><span style=\"font-size: 85%;\">A tax that is levied (in some provinces) on any property that changes hands.<\/span><\/p>\n<\/div>\n<\/div>\n\t\t\t<\/div>\n\t<\/div>\n\t\t<div class=\"ea-card  sp-ea-single\"  data-accordion-id= \"3\">\n\n\t\t<h3 class=\"ea-header\">\n\t\t\t<a class=\"collapsed\" data-sptoggle=\"spcollapse\" rel=\"nofollow\" data-sptarget=\"#collapse13453\" href=\"#\" data-title=\"efaq-legal-fees-and-disbursements\" aria-expanded=\"false\">\n\t\t\t\t<i class=\"ea-expand-icon fa fa-angle-down\"><\/i>  Legal Fees And Disbursements\t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"sp-collapse spcollapse \" id=\"collapse13453\" data-parent=\"#sp-ea-1345\">\n\t\t<div class=\"ea-body\"> \n<div class=\"ea-content-wrapper animated fadeIn\"> \n\t<p><span style=\"font-size: 85%;\">Some of the legal costs associated with the sale or purchase of a property. It\u2019s in your best interest to engage the services of a real estate lawyer (or a notary in Quebec).<\/span><\/p>\n<\/div>\n<\/div>\n\t\t\t<\/div>\n\t<\/div>\n\t<\/div><\/div>\n\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n\n\t<div id=\"col-1261981698\" class=\"col medium-6 small-12 large-6\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\n<style id=\"ea_dynamic_css1347\">#sp-ea-1347 .spcollapsing{height: 0; overflow: hidden; transition-property: height; transition-duration: 500ms;}#sp-ea-1347.sp-easy-accordion>.sp-ea-single.eap_inactive>.ea-header a {background-color: #bb0000 !important; color: #fff !important;}#sp-ea-1347.sp-easy-accordion>.sp-ea-single{ margin-bottom: 20px; border: 1px solid #d5d5db; border-radius: 10px;}#sp-ea-1347.sp-easy-accordion>.sp-ea-single.ea-expand{ border-color: #d5d5db;}#sp-ea-1347.sp-easy-accordion>.sp-ea-single:hover{ border-color: #d5d5db;}#sp-ea-1347.sp-easy-accordion>.sp-ea-single>.ea-header a {background: #ffffff;}#sp-ea-1347.sp-easy-accordion>.sp-ea-single.ea-expand>.ea-header a {background: #ffffff;}#sp-ea-1347.sp-easy-accordion>.sp-ea-single>.ea-header:hover a {background: #ffffff;}#sp-ea-1347.sp-easy-accordion>.sp-ea-single>.ea-header a .eap-title-icon { color: #444;font-size: 20px;} #sp-ea-1347.sp-easy-accordion>.sp-ea-single>.ea-header a .eap-title-custom-icon {max-width: 20px;}#sp-ea-1347.sp-easy-accordion>.sp-ea-single>.ea-header:hover a .eap-title-icon {color: #444;}#sp-ea-1347.sp-easy-accordion>.sp-ea-single.ea-expand>.ea-header a .eap-title-icon {color: #444;}#sp-ea-1347.sp-easy-accordion>.sp-ea-single>.ea-header a {padding: 15px 15px 15px 15px; 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border: 1px solid #d5d5db;}#sp-ea-1347.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body{border-radius: 0 0 10px 10px; border: none;}#sp-ea-1347.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon.fa {float: right; margin-right: 10px;}#sp-ea-1347.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon.fa {margin-right: 0; margin-left: 10px;}#sp-ea-1347 #eap_faq_search_bar_container {display:none; opacity:0;}#sp-ea-1347 #eap_faq_search_bar_container span::before{content:\"\";}#sp-ea-1347.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body p{ padding:0px}#sp-eap-accordion-section-1347.sp-eap-container .sp-eap-infinite-scroll-loader,#sp-eap-accordion-section-1347.sp-eap-container div:is(.sp-eap-load-more,.sp-eap-ajax-number-pagination){text-align:center;}#sp-ea-1347>.sp-ea-single>.sp-collapse>.ea-body .eap-product-price {color: #444;}#sp-ea-1347.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body .eap-product-price del{color: rgba(68,68,68,0.71);}#sp-ea-1347.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body .eap-product-cart-button .woocommerce a { border: 1px solid #DAD6DA;border-radius: 2px;background-color: transparent;color: #444;}#sp-ea-1347.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body .eap-product-cart-button .woocommerce a:hover { border-color: #444;background-color: #444;color: #fff;}#sp-ea-1347.sp-easy-accordion>.sp-ea-single>>.sp-collapse>.ea-body .eap-product-cart-button .eap-product-quantity .eap_input_text {border: 1px solid #DAD6DA;}#sp-ea-1347.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body .eap-product-cart-button a.add_to_cart_button{position: relative;}.sp-easy-accordion .ea-card { overflow: hidden;}<\/style><div id=\"sp-eap-accordion-section-1347\" class=\"sp-eap-container\"><div id=\"sp-ea-1347\" class=\"sp-ea-one sp-easy-accordion \" data-ex-icon=\"fa-angle-right\" data-col-icon=\"fa-angle-down\" data-ea-active=\"ea-click\" data-ea-mode=\"vertical\" data-ea-multi-column=\"\" data-ea-coll=\"\" data-keep-accordion=\"\" data-autoclose=\"\" data-preloader=\"\" data-scroll-active-item=\"\" data-offset-to-scroll=\"0\" data-autoplaytime=\"3000\" data-expand=\"\" data-post-id=\"1347\" >\t<div class=\"ea-card  sp-ea-single\"  data-accordion-id= \"0\">\n\n\t\t<h3 class=\"ea-header\">\n\t\t\t<a class=\"collapsed\" data-sptoggle=\"spcollapse\" rel=\"nofollow\" data-sptarget=\"#collapse13470\" href=\"#\" data-title=\"efaq-prepaid-property-tax-and-utility-adjustments\" aria-expanded=\"false\">\n\t\t\t\t<i class=\"ea-expand-icon fa fa-angle-down\"><\/i>  Prepaid Property Tax And Utility Adjustments\t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse13470\" data-parent=\"#sp-ea-1347\">\n\t\t<div class=\"ea-body\"> \n<div class=\"ea-content-wrapper animated fadeIn\"> \n\t<p><span style=\"font-size: 85%;\">The amount you will owe if the person selling you the home has prepaid any property taxes or utility bills. The amount to reimburse them will be calculated based on the closing date.<\/span><\/p>\n<\/div>\n<\/div>\n\t\t\t<\/div>\n\t<\/div>\n\t\t<div class=\"ea-card  sp-ea-single\"  data-accordion-id= \"1\">\n\n\t\t<h3 class=\"ea-header\">\n\t\t\t<a class=\"collapsed\" data-sptoggle=\"spcollapse\" rel=\"nofollow\" data-sptarget=\"#collapse13471\" href=\"#\" data-title=\"efaq-property-survey\" aria-expanded=\"false\">\n\t\t\t\t<i class=\"ea-expand-icon fa fa-angle-down\"><\/i>  Property Survey\t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse13471\" data-parent=\"#sp-ea-1347\">\n\t\t<div class=\"ea-body\"> \n<div class=\"ea-content-wrapper animated fadeIn\"> \n\t<p><span style=\"font-size: 85%;\">A legal description of your property and its location and dimensions. An up-to-date survey is usually required by your mortgage lender. If not available from the vendor, your lawyer can obtain the property survey for a fee.<\/span><\/p>\n<\/div>\n<\/div>\n\t\t\t<\/div>\n\t<\/div>\n\t\t<div class=\"ea-card  sp-ea-single\"  data-accordion-id= \"2\">\n\n\t\t<h3 class=\"ea-header\">\n\t\t\t<a class=\"collapsed\" data-sptoggle=\"spcollapse\" rel=\"nofollow\" data-sptarget=\"#collapse13472\" href=\"#\" data-title=\"efaq-sales-taxes\" aria-expanded=\"false\">\n\t\t\t\t<i class=\"ea-expand-icon fa fa-angle-down\"><\/i>  Sales Taxes\t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse13472\" data-parent=\"#sp-ea-1347\">\n\t\t<div class=\"ea-body\"> \n<div class=\"ea-content-wrapper animated fadeIn\"> \n\t<p><span style=\"font-size: 85%;\">Taxes applied to the purchase cost of a property. Some properties are sales tax exempt (GST and\/or PST), and some are not. For instance, residential resale properties are usually GST exempt, while new properties require GST. Always ask before signing an offer.<\/span><\/p>\n<\/div>\n<\/div>\n\t\t\t<\/div>\n\t<\/div>\n\t<\/div><\/div>\n\n\t\t<\/div>\n\t\t\t\t\n<style>\n#col-1261981698 > .col-inner {\n  margin: -20px 0px 0px 0px;\n}\n@media (min-width:550px) {\n  #col-1261981698 > .col-inner {\n    margin: 0px 0px 0px 0px;\n  }\n}\n<\/style>\n\t<\/div>\n\n\t\n<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n<\/div>\n\t\t<\/div>\n\n\t\t\n<style>\n#section_1145326666 {\n  padding-top: 0px;\n  padding-bottom: 0px;\n  background-color: rgb(237, 239, 244);\n}\n<\/style>\n\t<\/section>\n\t\n\t<div id=\"gap-1130043529\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-1130043529 {\n  padding-top: 60px;\n}\n<\/style>\n\t<\/div>\n\t\n\n\n\n\t<section class=\"section\" id=\"section_1776139369\">\n\t\t<div class=\"section-bg fill\" >\n\t\t\t\t\t\t\t\t\t\n\t\t\t\n\n\t\t<\/div>\n\n\t\t\n\n\t\t<div class=\"section-content relative\">\n\t\t\t\n\t<div id=\"gap-1407324633\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-1407324633 {\n  padding-top: 30px;\n}\n<\/style>\n\t<\/div>\n\t\n<div class=\"row\" style=\"max-width:1200px\" id=\"row-1907650586\">\n\n\t<div id=\"col-1624322467\" class=\"col medium-6 small-12 large-6\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n<h3>Buying a Home?<\/h3>\n<div class=\"is-divider divider clearfix\" style=\"max-width:100%;height:1px;background-color:rgb(213, 213, 219);\"><\/div>\n\t<div id=\"gap-1548327464\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-1548327464 {\n  padding-top: 15px;\n}\n<\/style>\n\t<\/div>\n\t\n\n<style id=\"ea_dynamic_css1353\">#sp-ea-1353 .spcollapsing{height: 0; overflow: hidden; transition-property: height; transition-duration: 500ms;}#sp-ea-1353.sp-easy-accordion>.sp-ea-single.eap_inactive>.ea-header a {background-color: #bb0000 !important; color: #fff !important;}#sp-ea-1353.sp-easy-accordion>.sp-ea-single{ margin-bottom: 20px; border: 1px solid #d5d5db; border-radius: 10px;}#sp-ea-1353.sp-easy-accordion>.sp-ea-single.ea-expand{ border-color: #d5d5db;}#sp-ea-1353.sp-easy-accordion>.sp-ea-single:hover{ border-color: #d5d5db;}#sp-ea-1353.sp-easy-accordion>.sp-ea-single>.ea-header a {background: #ffffff;}#sp-ea-1353.sp-easy-accordion>.sp-ea-single.ea-expand>.ea-header a {background: #ffffff;}#sp-ea-1353.sp-easy-accordion>.sp-ea-single>.ea-header:hover a {background: #ffffff;}#sp-ea-1353.sp-easy-accordion>.sp-ea-single>.ea-header a .eap-title-icon { color: #444;font-size: 20px;} #sp-ea-1353.sp-easy-accordion>.sp-ea-single>.ea-header a .eap-title-custom-icon {max-width: 20px;}#sp-ea-1353.sp-easy-accordion>.sp-ea-single>.ea-header:hover a .eap-title-icon {color: #444;}#sp-ea-1353.sp-easy-accordion>.sp-ea-single.ea-expand>.ea-header a .eap-title-icon {color: #444;}#sp-ea-1353.sp-easy-accordion>.sp-ea-single>.ea-header a {padding: 15px 15px 15px 15px; color: #000000; font-size: 14px; line-height: 30px; text-align: left; letter-spacing: 0px; text-transform: none;font-family: Montserrat; font-weight: 700; font-style: normal;}#sp-ea-1353.sp-easy-accordion>.sp-ea-single>.ea-header:hover a {color: #000000;}#sp-ea-1353.sp-easy-accordion>.sp-ea-single.ea-expand>.ea-header a {color: #000000;}#sp-ea-1353.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body p,#sp-ea-1353.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body{background: #fff; padding: 0px 15px 15px 15px; border-radius: 0 0 10px 10px; color: #444; font-size: 16px; text-align: left; letter-spacing: 0px; line-height: 26px; animation-delay: 200ms; text-transform: none;font-family: Open Sans; font-weight: normal; font-style: normal;}#sp-ea-1353.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon.fa:before {color: #000000; font-size: 15px; font-style: normal;}#sp-ea-1353.sp-easy-accordion>.sp-ea-single>.ea-header:hover a .ea-expand-icon.fa:before {color: #000000;}#sp-ea-1353.sp-easy-accordion>.sp-ea-single.ea-expand>.ea-header a .ea-expand-icon.fa:before {color: #000000;}#sp-ea-1353.sp-easy-accordion>.sp-ea-single{border-radius: 10px; border: 1px solid #d5d5db;}#sp-ea-1353.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body{border-radius: 0 0 10px 10px; border: none;}#sp-ea-1353.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon.fa {float: right; margin-right: 10px;}#sp-ea-1353.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon.fa {margin-right: 0; margin-left: 10px;}#sp-ea-1353 #eap_faq_search_bar_container {display:none; opacity:0;}#sp-ea-1353 #eap_faq_search_bar_container span::before{content:\"\";}#sp-ea-1353.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body p{ padding:0px}#sp-eap-accordion-section-1353.sp-eap-container .sp-eap-infinite-scroll-loader,#sp-eap-accordion-section-1353.sp-eap-container div:is(.sp-eap-load-more,.sp-eap-ajax-number-pagination){text-align:center;}#sp-ea-1353>.sp-ea-single>.sp-collapse>.ea-body .eap-product-price {color: #444;}#sp-ea-1353.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body .eap-product-price del{color: rgba(68,68,68,0.71);}#sp-ea-1353.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body .eap-product-cart-button .woocommerce a { border: 1px solid #DAD6DA;border-radius: 2px;background-color: transparent;color: #444;}#sp-ea-1353.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body .eap-product-cart-button .woocommerce a:hover { border-color: #444;background-color: #444;color: #fff;}#sp-ea-1353.sp-easy-accordion>.sp-ea-single>>.sp-collapse>.ea-body .eap-product-cart-button .eap-product-quantity .eap_input_text {border: 1px solid #DAD6DA;}#sp-ea-1353.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body .eap-product-cart-button a.add_to_cart_button{position: relative;}.sp-easy-accordion .ea-card { overflow: hidden;}<\/style><div id=\"sp-eap-accordion-section-1353\" class=\"sp-eap-container\"><div id=\"sp-ea-1353\" class=\"sp-ea-one sp-easy-accordion \" data-ex-icon=\"fa-angle-right\" data-col-icon=\"fa-angle-down\" data-ea-active=\"ea-click\" data-ea-mode=\"vertical\" data-ea-multi-column=\"\" data-ea-coll=\"\" data-keep-accordion=\"\" data-autoclose=\"\" data-preloader=\"\" data-scroll-active-item=\"\" data-offset-to-scroll=\"0\" data-autoplaytime=\"3000\" data-expand=\"\" data-post-id=\"1353\" >\t<div class=\"ea-card ea-expand sp-ea-single\"  data-accordion-id= \"0\">\n\n\t\t<h3 class=\"ea-header\">\n\t\t\t<a class=\"collapsed\" data-sptoggle=\"spcollapse\" rel=\"nofollow\" data-sptarget=\"#collapse13530\" href=\"#\" data-title=\"efaq-information-that-describes-the-property-you-are-buying\" aria-expanded=\"true\">\n\t\t\t\t<i class=\"ea-expand-icon fa fa-angle-right\"><\/i>  Information That Describes The Property You Are Buying:\t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"sp-collapse spcollapse collapsed show\" id=\"collapse13530\" data-parent=\"#sp-ea-1353\">\n\t\t<div class=\"ea-body\"> \n<div class=\"ea-content-wrapper animated fadeIn\"> \n\t<ul class=\"checkmark-list\">\n<li><span style=\"font-size: 85%;\">Purchase and sale agreement<\/span><\/li>\n<li><span style=\"font-size: 85%;\">MLS listing with photo<\/span><\/li>\n<li><span style=\"font-size: 85%;\">Name, address, telephone number of your \u2028solicitor\/notary<\/span><\/li>\n<\/ul>\n<\/div>\n<\/div>\n\t\t\t<\/div>\n\t<\/div>\n\t\t<div class=\"ea-card  sp-ea-single\"  data-accordion-id= \"1\">\n\n\t\t<h3 class=\"ea-header\">\n\t\t\t<a class=\"collapsed\" data-sptoggle=\"spcollapse\" rel=\"nofollow\" data-sptarget=\"#collapse13531\" href=\"#\" data-title=\"efaq-confirmation-of-your-down-payment\" aria-expanded=\"false\">\n\t\t\t\t<i class=\"ea-expand-icon fa fa-angle-down\"><\/i>  Confirmation Of Your Down Payment:\t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"sp-collapse spcollapse \" id=\"collapse13531\" data-parent=\"#sp-ea-1353\">\n\t\t<div class=\"ea-body\"> \n<div class=\"ea-content-wrapper animated fadeIn\"> \n\t<ul class=\"checkmark-list\">\n<li><span style=\"font-size: 85%;\">Savings or investments statement from within the last 90 days<\/span><\/li>\n<li><span style=\"font-size: 85%;\">Sale of an existing property \u2014 a copy of the sale agreement<\/span><\/li>\n<li><span style=\"font-size: 85%;\">Gift letter<\/span><\/li>\n<li><span style=\"font-size: 85%;\">Withdrawal from RRSP through Home Buyer\u2019s Plan<\/span><\/li>\n<\/ul>\n<\/div>\n<\/div>\n\t\t\t<\/div>\n\t<\/div>\n\t\t<div class=\"ea-card  sp-ea-single\"  data-accordion-id= \"2\">\n\n\t\t<h3 class=\"ea-header\">\n\t\t\t<a class=\"collapsed\" data-sptoggle=\"spcollapse\" rel=\"nofollow\" data-sptarget=\"#collapse13532\" href=\"#\" data-title=\"efaq-employment-verification\" aria-expanded=\"false\">\n\t\t\t\t<i class=\"ea-expand-icon fa fa-angle-down\"><\/i>  Employment Verification:\t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"sp-collapse spcollapse \" id=\"collapse13532\" data-parent=\"#sp-ea-1353\">\n\t\t<div class=\"ea-body\"> \n<div class=\"ea-content-wrapper animated fadeIn\"> \n\t<ul class=\"checkmark-list\">\n<li><span style=\"font-size: 85%;\">Copy of latest pay slip<\/span><\/li>\n<li><span style=\"font-size: 85%;\">T4<\/span><\/li>\n<li><span style=\"font-size: 85%;\">Letter of employment<\/span><\/li>\n<li><span style=\"font-size: 85%;\">T1 General and Notice of Assessment (NOA) if self-employed<\/span><\/li>\n<\/ul>\n<\/div>\n<\/div>\n\t\t\t<\/div>\n\t<\/div>\n\t<\/div><\/div>\n\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n\n\t<div id=\"col-28715637\" class=\"col medium-6 small-12 large-6\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n<h3>Buying a Home?<\/h3>\n<div class=\"is-divider divider clearfix\" style=\"max-width:100%;height:1px;background-color:rgb(213, 213, 219);\"><\/div>\n\t<div id=\"gap-452152371\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-452152371 {\n  padding-top: 15px;\n}\n<\/style>\n\t<\/div>\n\t\n\n<style id=\"ea_dynamic_css1368\">#sp-ea-1368 .spcollapsing{height: 0; overflow: hidden; transition-property: height; transition-duration: 500ms;}#sp-ea-1368.sp-easy-accordion>.sp-ea-single.eap_inactive>.ea-header a {background-color: #bb0000 !important; color: #fff !important;}#sp-ea-1368.sp-easy-accordion>.sp-ea-single{ margin-bottom: 20px; border: 1px solid #d5d5db; border-radius: 10px;}#sp-ea-1368.sp-easy-accordion>.sp-ea-single.ea-expand{ border-color: #d5d5db;}#sp-ea-1368.sp-easy-accordion>.sp-ea-single:hover{ border-color: #d5d5db;}#sp-ea-1368.sp-easy-accordion>.sp-ea-single>.ea-header a {background: #ffffff;}#sp-ea-1368.sp-easy-accordion>.sp-ea-single.ea-expand>.ea-header a {background: #ffffff;}#sp-ea-1368.sp-easy-accordion>.sp-ea-single>.ea-header:hover a {background: #ffffff;}#sp-ea-1368.sp-easy-accordion>.sp-ea-single>.ea-header a .eap-title-icon { color: #444;font-size: 20px;} #sp-ea-1368.sp-easy-accordion>.sp-ea-single>.ea-header a .eap-title-custom-icon {max-width: 20px;}#sp-ea-1368.sp-easy-accordion>.sp-ea-single>.ea-header:hover a .eap-title-icon {color: #444;}#sp-ea-1368.sp-easy-accordion>.sp-ea-single.ea-expand>.ea-header a .eap-title-icon {color: #444;}#sp-ea-1368.sp-easy-accordion>.sp-ea-single>.ea-header a {padding: 15px 15px 15px 15px; color: #000000; font-size: 14px; line-height: 30px; text-align: left; letter-spacing: 0px; text-transform: none;font-family: Montserrat; font-weight: 700; font-style: normal;}#sp-ea-1368.sp-easy-accordion>.sp-ea-single>.ea-header:hover a {color: #000000;}#sp-ea-1368.sp-easy-accordion>.sp-ea-single.ea-expand>.ea-header a {color: #000000;}#sp-ea-1368.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body p,#sp-ea-1368.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body{background: #fff; padding: 0px 15px 15px 15px; border-radius: 0 0 10px 10px; color: #444; font-size: 16px; text-align: left; letter-spacing: 0px; line-height: 26px; animation-delay: 200ms; text-transform: none;font-family: Open Sans; font-weight: normal; font-style: normal;}#sp-ea-1368.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon.fa:before {color: #000000; font-size: 15px; font-style: normal;}#sp-ea-1368.sp-easy-accordion>.sp-ea-single>.ea-header:hover a .ea-expand-icon.fa:before {color: #000000;}#sp-ea-1368.sp-easy-accordion>.sp-ea-single.ea-expand>.ea-header a .ea-expand-icon.fa:before {color: #000000;}#sp-ea-1368.sp-easy-accordion>.sp-ea-single{border-radius: 10px; border: 1px solid #d5d5db;}#sp-ea-1368.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body{border-radius: 0 0 10px 10px; border: none;}#sp-ea-1368.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon.fa {float: right; margin-right: 10px;}#sp-ea-1368.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon.fa {margin-right: 0; margin-left: 10px;}#sp-ea-1368 #eap_faq_search_bar_container {display:none; opacity:0;}#sp-ea-1368 #eap_faq_search_bar_container span::before{content:\"\";}#sp-ea-1368.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body p{ padding:0px}#sp-eap-accordion-section-1368.sp-eap-container .sp-eap-infinite-scroll-loader,#sp-eap-accordion-section-1368.sp-eap-container div:is(.sp-eap-load-more,.sp-eap-ajax-number-pagination){text-align:center;}#sp-ea-1368>.sp-ea-single>.sp-collapse>.ea-body .eap-product-price {color: #444;}#sp-ea-1368.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body .eap-product-price del{color: rgba(68,68,68,0.71);}#sp-ea-1368.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body .eap-product-cart-button .woocommerce a { border: 1px solid #DAD6DA;border-radius: 2px;background-color: transparent;color: #444;}#sp-ea-1368.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body .eap-product-cart-button .woocommerce a:hover { border-color: #444;background-color: #444;color: #fff;}#sp-ea-1368.sp-easy-accordion>.sp-ea-single>>.sp-collapse>.ea-body .eap-product-cart-button .eap-product-quantity .eap_input_text {border: 1px solid #DAD6DA;}#sp-ea-1368.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body .eap-product-cart-button a.add_to_cart_button{position: relative;}.sp-easy-accordion .ea-card { overflow: hidden;}<\/style><div id=\"sp-eap-accordion-section-1368\" class=\"sp-eap-container\"><div id=\"sp-ea-1368\" class=\"sp-ea-one sp-easy-accordion \" data-ex-icon=\"fa-angle-right\" data-col-icon=\"fa-angle-down\" data-ea-active=\"ea-click\" data-ea-mode=\"vertical\" data-ea-multi-column=\"\" data-ea-coll=\"\" data-keep-accordion=\"\" data-autoclose=\"\" data-preloader=\"\" data-scroll-active-item=\"\" data-offset-to-scroll=\"0\" data-autoplaytime=\"3000\" data-expand=\"\" data-post-id=\"1368\" >\t<div class=\"ea-card  sp-ea-single\"  data-accordion-id= \"0\">\n\n\t\t<h3 class=\"ea-header\">\n\t\t\t<a class=\"collapsed\" data-sptoggle=\"spcollapse\" rel=\"nofollow\" data-sptarget=\"#collapse13680\" href=\"#\" data-title=\"efaq-information-that-describes-your-existing-property\" aria-expanded=\"false\">\n\t\t\t\t<i class=\"ea-expand-icon fa fa-angle-down\"><\/i>  Information That Describes Your Existing \u2028property:\t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse13680\" data-parent=\"#sp-ea-1368\">\n\t\t<div class=\"ea-body\"> \n<div class=\"ea-content-wrapper animated fadeIn\"> \n\t<ul class=\"checkmark-list\">\n<li><span style=\"font-size: 85%;\">Recent mortgage statement<\/span><\/li>\n<li><span style=\"font-size: 85%;\">Current homeowner insurance policy<\/span><\/li>\n<li><span style=\"font-size: 85%;\">Most recent property tax bill\/statement<\/span><\/li>\n<li><span style=\"font-size: 85%;\">Legal description of your property (you can find \u2028this on your original purchase agreement or \u2028your property tax statement)<\/span><\/li>\n<\/ul>\n<\/div>\n<\/div>\n\t\t\t<\/div>\n\t<\/div>\n\t<\/div><\/div>\n\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n\n\t<div id=\"col-271002545\" class=\"col small-12 large-12\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\t<div id=\"gap-407811851\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-407811851 {\n  padding-top: 20px;\n}\n<\/style>\n\t<\/div>\n\t\n<div class=\"is-divider divider clearfix\" style=\"max-width:100%;height:1px;background-color:rgb(213, 213, 219);\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n<\/div>\n<div class=\"row align-center\" style=\"max-width:1200px\" id=\"row-270069151\">\n\n\t<div id=\"col-39564488\" class=\"col medium-9 small-12 large-9\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\t<div id=\"text-1388173523\" class=\"text\">\n\t\t\n<h3>Other Information We May Require<\/h3>\n\t\t\n<style>\n#text-1388173523 {\n  text-align: center;\n}\n<\/style>\n\t<\/div>\n\t\n\t<div id=\"text-3918638710\" class=\"text\">\n\t\t\n<p>As part of your application process, we will ask you questions relating to what you owe and own, what some of the projected expenses relating to the property are, such as taxes, heating costs and condo fees, and whether you will be using the property to generate income.<\/p>\n<p><strong>Void Cheque<\/strong><\/p>\n\t\t\n<style>\n#text-3918638710 {\n  line-height: 2;\n  text-align: center;\n}\n<\/style>\n\t<\/div>\n\t\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n<\/div>\n\t<div id=\"gap-2051554271\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-2051554271 {\n  padding-top: 30px;\n}\n<\/style>\n\t<\/div>\n\t\n\t\t<\/div>\n\n\t\t\n<style>\n#section_1776139369 {\n  padding-top: 0px;\n  padding-bottom: 0px;\n}\n<\/style>\n\t<\/section>\n\t\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-blank.php","meta":{"footnotes":""},"folder":[5],"class_list":["post-1302","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/groupeorbis.com\/en\/wp-json\/wp\/v2\/pages\/1302","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/groupeorbis.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/groupeorbis.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/groupeorbis.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/groupeorbis.com\/en\/wp-json\/wp\/v2\/comments?post=1302"}],"version-history":[{"count":5,"href":"https:\/\/groupeorbis.com\/en\/wp-json\/wp\/v2\/pages\/1302\/revisions"}],"predecessor-version":[{"id":19027,"href":"https:\/\/groupeorbis.com\/en\/wp-json\/wp\/v2\/pages\/1302\/revisions\/19027"}],"wp:attachment":[{"href":"https:\/\/groupeorbis.com\/en\/wp-json\/wp\/v2\/media?parent=1302"}],"wp:term":[{"taxonomy":"folder","embeddable":true,"href":"https:\/\/groupeorbis.com\/en\/wp-json\/wp\/v2\/folder?post=1302"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}