{"id":9711,"date":"2023-01-03T21:38:19","date_gmt":"2023-01-03T21:38:19","guid":{"rendered":"https:\/\/groupeorbis.com\/?p=9711"},"modified":"2024-02-23T09:51:36","modified_gmt":"2024-02-23T09:51:36","slug":"five-tips-to-obtain-a-mortgage","status":"publish","type":"post","link":"https:\/\/groupeorbis.com\/en\/five-tips-to-obtain-a-mortgage\/","title":{"rendered":"Five Tips to Obtain a Mortgage"},"content":{"rendered":"<div class=\"row\"  id=\"row-973051069\">\n\n\t<div id=\"col-228781293\" class=\"col small-12 large-12\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\n\n\n\t\t<\/div>\n\t\t\t\t\n<style>\n#col-228781293 > .col-inner {\n  margin: -290px 0px 0px 0px;\n}\n<\/style>\n\t<\/div>\n\n\t\n\n<style>\n#row-973051069 > .col > .col-inner {\n  padding: 30px 30px 30px 30px;\n}\n<\/style>\n<\/div>\n<div class=\"row\"  id=\"row-728167752\">\n\n\t<div id=\"col-711260327\" class=\"col small-12 large-12\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\n<img loading=\"lazy\" decoding=\"async\" width=\"2560\" height=\"1446\" src=\"https:\/\/groupeorbis.com\/wp-content\/uploads\/2023\/01\/blog-7.jpeg\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" srcset=\"https:\/\/groupeorbis.com\/wp-content\/uploads\/2023\/01\/blog-7.jpeg 2560w, https:\/\/groupeorbis.com\/wp-content\/uploads\/2023\/01\/blog-7-300x169.jpeg 300w, https:\/\/groupeorbis.com\/wp-content\/uploads\/2023\/01\/blog-7-1024x578.jpeg 1024w, https:\/\/groupeorbis.com\/wp-content\/uploads\/2023\/01\/blog-7-768x434.jpeg 768w, https:\/\/groupeorbis.com\/wp-content\/uploads\/2023\/01\/blog-7-1536x868.jpeg 1536w, https:\/\/groupeorbis.com\/wp-content\/uploads\/2023\/01\/blog-7-2048x1157.jpeg 2048w\" sizes=\"auto, (max-width: 2560px) 100vw, 2560px\" \/>\n\n\t\t<\/div>\n\t\t\t\t\n<style>\n#col-711260327 > .col-inner {\n  margin: -120px 0px 0px 0px;\n}\n<\/style>\n\t<\/div>\n\n\t\n<\/div>\n<div class=\"row\"  id=\"row-1725404090\">\n\n\t<div id=\"col-2058825420\" class=\"col small-12 large-12\"  >\n\t\t\t\t<div class=\"col-inner text-center\"  >\n\t\t\t\n\t\t\t\n\t<div id=\"text-2225686714\" class=\"text blog-txt\">\n\t\t\n<p>Are you thinking about buying a home in 2023? You&#8217;re not alone. While the process may seem daunting, there are many things buyers can do to give themselves an edge. Here are five tips to obtain a mortgage.<\/p>\n<p>1. Understand your budget: Living expenses go far beyond the cost of monthly mortgage payments. By defining your lifestyle goals, you&#8217;ll be able to target a price range for your property purchase, and thus your mortgage, that will allow you to live comfortably now and in the future.<\/p>\n<p>2. Have a stable income: either as an employee or by being self-employed.<\/p>\n<p>3. Accumulate savings: for the down payment, as well as other related costs such as notary fees and welcome tax.<\/p>\n<p>4. Have a good credit rating: by paying your bills on time and trying to pay your credit cards in full each month. Did you know that a car payment of $300 per month reduces your ability to buy a new home by $100,000? Consider your purchases carefully.<\/p>\n<p>5. Deal with an independent mortgage broker who can navigate different banks and products to identify the best options for your individual needs.<\/p>\n\t\t\n<style>\n#text-2225686714 {\n  text-align: left;\n}\n<\/style>\n\t<\/div>\n\t\n<a href=\"https:\/\/groupeorbis.com\/en\/contact-us\" class=\"button primary is-large blog-button\" style=\"border-radius:99px;\">\n\t\t<span>Call us today to get started.<\/span>\n\t<\/a>\n\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n<\/div>\n<div class=\"is-divider divider clearfix\" style=\"margin-top:0em;margin-bottom:0em;max-width:100%;height:1px;background-color:rgb(213, 213, 219);\"><\/div>\n<div class=\"row\"  id=\"row-687689065\">\n\n\t<div id=\"col-1997644331\" 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-1494326524\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-1494326524 {\n  padding-top: 40px;\n}\n<\/style>\n\t<\/div>\n\t\n\t<div id=\"text-685635516\" class=\"text\">\n\t\t\n<h3>Related Articles<\/h3>\n\t\t\n<style>\n#text-685635516 {\n  font-size: 1.6rem;\n  text-align: left;\n  color: rgb(0,0,0);\n}\n#text-685635516 > * {\n  color: rgb(0,0,0);\n}\n@media (min-width:550px) {\n  #text-685635516 {\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<\/div>\n<div class=\"row\"  id=\"row-1360555716\">\n\n\t<div id=\"col-991282563\" class=\"col blog-column small-12 large-12\"  >\n\t\t\t\t<div class=\"col-inner text-left\"  >\n\t\t\t\n\t\t\t\n\n  \n    <div class=\"row large-columns-3 medium-columns-1 small-columns-1 row-full-width\" >\n  <div class=\"col post-item\" >\n\t\t\t<div class=\"col-inner\">\n\t\t\t\t<div class=\"box box-normal box-text-bottom box-blog-post has-hover\">\n            \t\t\t\t\t<div class=\"box-image\" >\n  \t\t\t\t\t\t<div class=\"image-cover\" style=\"padding-top:56.25%;\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/groupeorbis.com\/en\/why-preapprovals-are-critical-for-first-time-buyers\/\" class=\"plain\" aria-label=\"Why preapprovals are critical for first time buyers\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"169\" src=\"https:\/\/groupeorbis.com\/wp-content\/uploads\/2024\/02\/blog-28-300x169.jpeg\" class=\"attachment-medium size-medium wp-post-image\" alt=\"\" srcset=\"https:\/\/groupeorbis.com\/wp-content\/uploads\/2024\/02\/blog-28-300x169.jpeg 300w, https:\/\/groupeorbis.com\/wp-content\/uploads\/2024\/02\/blog-28-1024x578.jpeg 1024w, https:\/\/groupeorbis.com\/wp-content\/uploads\/2024\/02\/blog-28-768x434.jpeg 768w, https:\/\/groupeorbis.com\/wp-content\/uploads\/2024\/02\/blog-28-1536x868.jpeg 1536w, https:\/\/groupeorbis.com\/wp-content\/uploads\/2024\/02\/blog-28-2048x1157.jpeg 2048w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t<\/a>\n  \t\t\t\t\t\t\t  \t\t\t\t\t\t\t  \t\t\t\t\t\t<\/div>\n  \t\t\t\t\t\t  \t\t\t\t\t<\/div>\n          \t\t\t\t\t<div class=\"box-text text-center\" >\n\t\t\t\t\t<div class=\"box-text-inner blog-post-inner\">\n\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<h5 class=\"post-title is-large \">\n\t\t\t\t\t\t<a href=\"https:\/\/groupeorbis.com\/en\/why-preapprovals-are-critical-for-first-time-buyers\/\" class=\"plain\">Why preapprovals are critical for first time buyers<\/a>\n\t\t\t\t\t<\/h5>\n\t\t\t\t\t<div class=\"post-meta is-small op-8\">June 2, 2020<\/div>\t\t\t\t\t<div class=\"is-divider\"><\/div>\n\t\t\t\t\t                    \n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><div class=\"col post-item\" >\n\t\t\t<div class=\"col-inner\">\n\t\t\t\t<div class=\"box box-normal box-text-bottom box-blog-post has-hover\">\n            \t\t\t\t\t<div class=\"box-image\" >\n  \t\t\t\t\t\t<div class=\"image-cover\" style=\"padding-top:56.25%;\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/groupeorbis.com\/en\/why-your-credit-rating-matters\/\" class=\"plain\" aria-label=\"Why Your Credit Rating Matters\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"169\" src=\"https:\/\/groupeorbis.com\/wp-content\/uploads\/2024\/09\/Why-Your-Credit-Rating-Matters-300x169.jpg\" class=\"attachment-medium size-medium wp-post-image\" alt=\"\" srcset=\"https:\/\/groupeorbis.com\/wp-content\/uploads\/2024\/09\/Why-Your-Credit-Rating-Matters-300x169.jpg 300w, https:\/\/groupeorbis.com\/wp-content\/uploads\/2024\/09\/Why-Your-Credit-Rating-Matters-1024x578.jpg 1024w, https:\/\/groupeorbis.com\/wp-content\/uploads\/2024\/09\/Why-Your-Credit-Rating-Matters-768x434.jpg 768w, https:\/\/groupeorbis.com\/wp-content\/uploads\/2024\/09\/Why-Your-Credit-Rating-Matters-1536x867.jpg 1536w, https:\/\/groupeorbis.com\/wp-content\/uploads\/2024\/09\/Why-Your-Credit-Rating-Matters-2048x1156.jpg 2048w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t<\/a>\n  \t\t\t\t\t\t\t  \t\t\t\t\t\t\t  \t\t\t\t\t\t<\/div>\n  \t\t\t\t\t\t  \t\t\t\t\t<\/div>\n          \t\t\t\t\t<div class=\"box-text text-center\" >\n\t\t\t\t\t<div class=\"box-text-inner blog-post-inner\">\n\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<h5 class=\"post-title is-large \">\n\t\t\t\t\t\t<a href=\"https:\/\/groupeorbis.com\/en\/why-your-credit-rating-matters\/\" class=\"plain\">Why Your Credit Rating Matters<\/a>\n\t\t\t\t\t<\/h5>\n\t\t\t\t\t<div class=\"post-meta is-small op-8\">September 11, 2024<\/div>\t\t\t\t\t<div class=\"is-divider\"><\/div>\n\t\t\t\t\t                    \n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><div class=\"col post-item\" >\n\t\t\t<div class=\"col-inner\">\n\t\t\t\t<div class=\"box box-normal box-text-bottom box-blog-post has-hover\">\n            \t\t\t\t\t<div class=\"box-image\" >\n  \t\t\t\t\t\t<div class=\"image-cover\" style=\"padding-top:56.25%;\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/groupeorbis.com\/en\/your-top-five-rate-hike-questions-answered\/\" class=\"plain\" aria-label=\"Your top five rate-hike questions, answered.\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"169\" src=\"https:\/\/groupeorbis.com\/wp-content\/uploads\/2023\/01\/blog-8-300x169.jpeg\" class=\"attachment-medium size-medium wp-post-image\" alt=\"\" srcset=\"https:\/\/groupeorbis.com\/wp-content\/uploads\/2023\/01\/blog-8-300x169.jpeg 300w, https:\/\/groupeorbis.com\/wp-content\/uploads\/2023\/01\/blog-8-1024x578.jpeg 1024w, https:\/\/groupeorbis.com\/wp-content\/uploads\/2023\/01\/blog-8-768x434.jpeg 768w, https:\/\/groupeorbis.com\/wp-content\/uploads\/2023\/01\/blog-8-1536x868.jpeg 1536w, https:\/\/groupeorbis.com\/wp-content\/uploads\/2023\/01\/blog-8-2048x1157.jpeg 2048w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t<\/a>\n  \t\t\t\t\t\t\t  \t\t\t\t\t\t\t  \t\t\t\t\t\t<\/div>\n  \t\t\t\t\t\t  \t\t\t\t\t<\/div>\n          \t\t\t\t\t<div class=\"box-text text-center\" >\n\t\t\t\t\t<div class=\"box-text-inner blog-post-inner\">\n\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<h5 class=\"post-title is-large \">\n\t\t\t\t\t\t<a href=\"https:\/\/groupeorbis.com\/en\/your-top-five-rate-hike-questions-answered\/\" class=\"plain\">Your top five rate-hike questions, answered.<\/a>\n\t\t\t\t\t<\/h5>\n\t\t\t\t\t<div class=\"post-meta is-small op-8\">July 14, 2022<\/div>\t\t\t\t\t<div class=\"is-divider\"><\/div>\n\t\t\t\t\t                    \n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n<\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":3,"featured_media":14318,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-9711","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"_links":{"self":[{"href":"https:\/\/groupeorbis.com\/en\/wp-json\/wp\/v2\/posts\/9711","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/groupeorbis.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/groupeorbis.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/groupeorbis.com\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/groupeorbis.com\/en\/wp-json\/wp\/v2\/comments?post=9711"}],"version-history":[{"count":5,"href":"https:\/\/groupeorbis.com\/en\/wp-json\/wp\/v2\/posts\/9711\/revisions"}],"predecessor-version":[{"id":15830,"href":"https:\/\/groupeorbis.com\/en\/wp-json\/wp\/v2\/posts\/9711\/revisions\/15830"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/groupeorbis.com\/en\/wp-json\/wp\/v2\/media\/14318"}],"wp:attachment":[{"href":"https:\/\/groupeorbis.com\/en\/wp-json\/wp\/v2\/media?parent=9711"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/groupeorbis.com\/en\/wp-json\/wp\/v2\/categories?post=9711"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/groupeorbis.com\/en\/wp-json\/wp\/v2\/tags?post=9711"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}