{"id":587,"date":"2016-09-12T16:55:39","date_gmt":"2016-09-12T20:55:39","guid":{"rendered":"http:\/\/simon.wps.dev\/fr\/sample-page\/"},"modified":"2026-03-19T14:29:11","modified_gmt":"2026-03-19T18:29:11","slug":"accueil","status":"publish","type":"page","link":"https:\/\/sebastienchampagne.com\/fr\/","title":{"rendered":"Accueil"},"content":{"rendered":"<div class=\"widget blue full\" id=\"sow-editor\" data-index=\"0\"><div style=\"background-color:#ffffff;\" class=\"panel-widget-style\" ><div class=\"so-widget-sow-editor so-widget-sow-editor-base\">\n<div class=\"siteorigin-widget-tinymce textwidget\">\n\t<h1>Courtier hypoth\u00e9caire sur la Rive-Nord: plus qu\u2019un taux, un service personnalis\u00e9 et humain<\/h1>\n<p>Comme courtier hypoth\u00e9caire sur la Rive-Nord, j\u2019accompagne des clients de Laval, de la Rive-Sud et de l\u2019ensemble du Grand Montr\u00e9al dans leurs projets immobiliers.<\/p>\n<p>\u00a0<\/p>\n<p>Derri\u00e8re chaque projet se cache une r\u00e9alit\u00e9 unique. Mon r\u00f4le ne se limite donc pas \u00e0 trouver un taux : je vous aide \u00e0 comprendre vos options, \u00e0 prendre des d\u00e9cisions \u00e9clair\u00e9es et \u00e0 obtenir une strat\u00e9gie de financement adapt\u00e9e \u00e0 votre situation.<\/p>\n<p data-pm-slice=\"1 1 []\">\u00a0<\/p>\n<p data-pm-slice=\"1 1 []\">Le calme de plus de 10 ans sur l'ambulance, maintenant au service de votre hypoth\u00e8que. \u00a0Apr\u00e8s avoir g\u00e9r\u00e9 l'urgence au quotidien comme param\u00e9dic, j'apporte aujourd'hui la m\u00eame rigueur et la m\u00eame bienveillance \u00e0 vos projets financiers \u2014 pour transformer un processus souvent stressant en une d\u00e9marche claire, structur\u00e9e et rassurante.<\/p>\n<\/div>\n<\/div><\/div><\/div><div style=\"background-color:#ffffff;\" class=\"panel-row-style\" ><div class=\"widget blue third\" id=\"sow-editor\" data-index=\"1\"><div style=\"background-color:#ffffff;\" class=\"panel-widget-style\" ><div class=\"so-widget-sow-editor so-widget-sow-editor-base\">\n<div class=\"siteorigin-widget-tinymce textwidget\">\n\t<h3 data-start=\"921\" data-end=\"944\">Approche humaine<\/h3>\n<p data-start=\"945\" data-end=\"1058\">Vous n\u2019\u00eates jamais un num\u00e9ro. Je prends le temps de vous \u00e9couter, de comprendre votre situation et vos objectifs.<\/p>\n<\/div>\n<\/div><\/div><\/div><div class=\"widget blue third\" id=\"sow-editor\" data-index=\"2\"><div style=\"background-color:#ffffff;\" class=\"panel-widget-style\" ><div class=\"so-widget-sow-editor so-widget-sow-editor-base\">\n<div class=\"siteorigin-widget-tinymce textwidget\">\n\t<h3 data-start=\"1060\" data-end=\"1088\">Analyse personnalis\u00e9e<\/h3>\n<p data-start=\"1089\" data-end=\"1187\">Chaque solution hypoth\u00e9caire est adapt\u00e9e \u00e0 votre r\u00e9alit\u00e9 financi\u00e8re, aujourd\u2019hui et pour l\u2019avenir.<\/p>\n<\/div>\n<\/div><\/div><\/div><div class=\"widget blue third\" id=\"sow-editor\" data-index=\"3\"><div style=\"background-color:#ffffff;\" class=\"panel-widget-style\" ><div class=\"so-widget-sow-editor so-widget-sow-editor-base\">\n<div class=\"siteorigin-widget-tinymce textwidget\">\n\t<h3 data-start=\"1189\" data-end=\"1216\">Explications claires<\/h3>\n<p data-start=\"1217\" data-end=\"1315\">Je vous vulgarise les chiffres et les options pour que vous sachiez exactement ce que vous signez.<\/p>\n<\/div>\n<\/div><\/div><\/div><\/div><div class=\"widget blue full\" id=\"sow-editor\" data-index=\"4\"><div class=\"so-widget-sow-editor so-widget-sow-editor-base\">\n<div class=\"siteorigin-widget-tinymce textwidget\">\n\t<div style=\"text-align:center; margin-top:40px; margin-bottom:50px;\">\n  <a href=\"https:\/\/sebastienchampagne.com\/fr\/about\/contact\/\"\n     style=\"display:inline-block; background:#f5c400; color:#003366;\n            padding:0px 34px 20px 34px;\n            font-weight:700; font-size:16px;\n            border-radius:8px; text-decoration:none;\n            box-shadow:0 6px 14px rgba(0,0,0,0.15);\"><br \/>\n     \ud83d\udcde Me contacter<br \/>\n  <\/a>\n<\/div>\n<\/div>\n<\/div><\/div><div style=\"padding: 30px 0px 0px 0px;background-color:#f4f6f8;\" class=\"panel-row-style\" ><div class=\"widget blue full\" id=\"sow-editor\" data-index=\"5\"><div style=\"background-color:#f4f6f8;\" class=\"panel-widget-style\" ><div class=\"so-widget-sow-editor so-widget-sow-editor-base\">\n<div class=\"siteorigin-widget-tinymce textwidget\">\n\t<h2>Mes services hypoth\u00e9caires comme courtier hypoth\u00e9caire<\/h2>\n<p>Que ce soit pour l'achat d'une premi\u00e8re maison, un refinancement ou un projet d\u2019investissement, je vous accompagne \u00e0 chaque \u00e9tape avec une approche claire, humaine et personnalis\u00e9e.<\/p>\n<\/div>\n<\/div><\/div><\/div><\/div><div class=\"panel-row-style-no-top-space no-top-space panel-row-style\" style=\"background-color:#f4f6f8;\" ><div class=\"widget blue half\" id=\"sow-editor\" data-index=\"6\"><div class=\"service-box panel-widget-style\" style=\"background-color:#f4f6f8;\" ><div class=\"so-widget-sow-editor so-widget-sow-editor-base\">\n<div class=\"siteorigin-widget-tinymce textwidget\">\n\t<style>\n.no-top-space {<br \/>\n  margin-top: -55px !important;<br \/>\n}<br \/>\n<\/style>\n<h3>Pr\u00e9approbation hypoth\u00e9caire<\/h3>\n<p>La pr\u00e9approbation hypoth\u00e9caire vous donne une vision pr\u00e9cise de votre capacit\u00e9 d\u2019emprunt, vous prot\u00e8ge contre les hausses de taux et vous permet de magasiner une propri\u00e9t\u00e9 en toute confiance. Voyez clair dans votre budget d\u00e8s le d\u00e9part.<\/p>\n<div style=\"text-align:center; margin-top:16px; margin-bottom:0;\">\n  <a href=\"https:\/\/sebastienchampagne.com\/fr\/services\/preapprobation-hypothecaire\/\"\n     style=\"\n       display:inline-flex;\n       align-items:center;\n       justify-content:center;\n       background:#ffffff;\n       color:#003366;\n       padding:6px 18px;\n       font-weight:600;\n       font-size:13px;\n       line-height:1;\n       border-radius:5px;\n       text-decoration:none;\n       border:1px solid #003366;\n     \"><br \/>\n     En savoir plus<br \/>\n  <\/a>\n<\/div>\n<\/div>\n<\/div><\/div><\/div><div class=\"widget blue half\" id=\"sow-editor\" data-index=\"7\"><div class=\"service-box panel-widget-style\" style=\"background-color:#f4f6f8;\" ><div class=\"so-widget-sow-editor so-widget-sow-editor-base\">\n<div class=\"siteorigin-widget-tinymce textwidget\">\n\t<style>\n.no-top-space {<br \/>\n  margin-top: -55px !important;<br \/>\n}<br \/>\n<\/style>\n<h3>Achat d'une maison<\/h3>\n<p>Premier achat ou nouvelle propri\u00e9t\u00e9, je vous aide \u00e0 structurer votre projet, valider votre capacit\u00e9 d\u2019emprunt, comprendre les programmes disponibles et obtenir les meilleures conditions possibles, en toute confiance.<\/p>\n<div style=\"text-align:center; margin-top:16px; margin-bottom:0;\">\n  <a href=\"https:\/\/sebastienchampagne.com\/fr\/services\/acheter-une-maison\/\"\n     style=\"\n       display:inline-flex;\n       align-items:center;\n       justify-content:center;\n       background:#ffffff;\n       color:#003366;\n       padding:6px 18px;\n       font-weight:600;\n       font-size:13px;\n       line-height:1;\n       border-radius:5px;\n       text-decoration:none;\n       border:1px solid #003366;\n     \"><br \/>\n     En savoir plus<br \/>\n  <\/a>\n<\/div>\n<\/div>\n<\/div><\/div><\/div><\/div><div style=\"background-color:#f4f6f8;\" class=\"panel-row-style\" ><div class=\"widget blue half\" id=\"sow-editor\" data-index=\"8\"><div class=\"service-box panel-widget-style\" style=\"background-color:#f4f6f8;\" ><div class=\"so-widget-sow-editor so-widget-sow-editor-base\">\n<div class=\"siteorigin-widget-tinymce textwidget\">\n\t<h3>Renouvellement hypoth\u00e9caire<\/h3>\n<p>Avant de signer un renouvellement avec votre institution, prenez le temps de comparer. Je n\u00e9gocie pour vous afin d\u2019optimiser votre taux et vos conditions, sans frais.<\/p>\n<div style=\"text-align:center; margin-top:16px; margin-bottom:0;\">\n  <a href=\"https:\/\/sebastienchampagne.com\/fr\/services\/renouvellement-hypothecaire\/\"\n     style=\"\n       display:inline-flex;\n       align-items:center;\n       justify-content:center;\n       background:#ffffff;\n       color:#003366;\n       padding:6px 18px;\n       font-weight:600;\n       font-size:13px;\n       line-height:1;\n       border-radius:5px;\n       text-decoration:none;\n       border:1px solid #003366;\n     \"><br \/>\n     En savoir plus<br \/>\n  <\/a>\n<\/div>\n<\/div>\n<\/div><\/div><\/div><div class=\"widget blue half\" id=\"sow-editor\" data-index=\"9\"><div class=\"service-box panel-widget-style\" style=\"background-color:#f4f6f8;\" ><div class=\"so-widget-sow-editor so-widget-sow-editor-base\">\n<div class=\"siteorigin-widget-tinymce textwidget\">\n\t<h3>Refinancement<\/h3>\n<p>Pour r\u00e9duire vos paiements, consolider des dettes ou financer un nouveau projet, le refinancement peut \u00eatre une solution strat\u00e9gique. J\u2019analyse votre situation pour vous proposer le sc\u00e9nario le plus avantageux.<\/p>\n<div style=\"text-align:center; margin-top:16px; margin-bottom:0;\">\n  <a href=\"https:\/\/sebastienchampagne.com\/fr\/services\/refinancement-hypothecaire\/\"\n     style=\"\n       display:inline-flex;\n       align-items:center;\n       justify-content:center;\n       background:#ffffff;\n       color:#003366;\n       padding:6px 18px;\n       font-weight:600;\n       font-size:13px;\n       line-height:1;\n       border-radius:5px;\n       text-decoration:none;\n       border:1px solid #003366;\n     \"><br \/>\n     En savoir plus<br \/>\n  <\/a>\n<\/div>\n<\/div>\n<\/div><\/div><\/div><\/div><div style=\"background-color:#f4f6f8;\" class=\"panel-row-style\" ><div class=\"widget blue half\" id=\"sow-editor\" data-index=\"10\"><div class=\"service-box panel-widget-style\" style=\"background-color:#f4f6f8;\" ><div class=\"so-widget-sow-editor so-widget-sow-editor-base\">\n<div class=\"siteorigin-widget-tinymce textwidget\">\n\t<h3>Hypoth\u00e8que invers\u00e9e<\/h3>\n<p>L\u2019hypoth\u00e8que invers\u00e9e vous permet d\u2019acc\u00e9der \u00e0 la valeur de votre maison sans la vendre, sans obligation de paiements mensuels, et en conservant votre propri\u00e9t\u00e9. Une solution flexible pour profiter de votre retraite en toute tranquillit\u00e9.<\/p>\n<div style=\"text-align:center; margin-top:16px; margin-bottom:0;\">\n  <a href=\"https:\/\/sebastienchampagne.com\/fr\/services\/hypotheque-inversee\/\"\n     style=\"\n       display:inline-flex;\n       align-items:center;\n       justify-content:center;\n       background:#ffffff;\n       color:#003366;\n       padding:6px 18px;\n       font-weight:600;\n       font-size:13px;\n       line-height:1;\n       border-radius:5px;\n       text-decoration:none;\n       border:1px solid #003366;\n     \"><br \/>\n     En savoir plus<br \/>\n  <\/a>\n<\/div>\n<\/div>\n<\/div><\/div><\/div><div class=\"widget blue half\" id=\"sow-editor\" data-index=\"11\"><div class=\"service-box panel-widget-style\" style=\"background-color:#F4F6F8;\" ><div class=\"so-widget-sow-editor so-widget-sow-editor-base\">\n<div class=\"siteorigin-widget-tinymce textwidget\">\n\t<h3>Investissement immobilier<\/h3>\n<p>Que ce soit pour un premier immeuble ou l\u2019expansion de votre parc immobilier, je vous accompagne dans l\u2019analyse de rentabilit\u00e9, le financement et la structuration de votre strat\u00e9gie.<\/p>\n<div style=\"text-align:center; margin-top:16px; margin-bottom:0;\">\n  <a href=\"https:\/\/sebastienchampagne.com\/fr\/services\/investissement-immobilier\/\"\n     style=\"\n       display:inline-flex;\n       align-items:center;\n       justify-content:center;\n       background:#ffffff;\n       color:#003366;\n       padding:6px 18px;\n       font-weight:600;\n       font-size:13px;\n       line-height:1;\n       border-radius:5px;\n       text-decoration:none;\n       border:1px solid #003366;\n     \"><br \/>\n     En savoir plus<br \/>\n  <\/a>\n<\/div>\n<\/div>\n<\/div><\/div><\/div><\/div><div class=\"widget blue full\" id=\"sow-editor\" data-index=\"12\"><div style=\"background-color:#f4f6f8;\" class=\"panel-widget-style\" ><div class=\"so-widget-sow-editor so-widget-sow-editor-base\">\n<div class=\"siteorigin-widget-tinymce textwidget\">\n\t<div style=\"text-align:center; margin-top:50px; margin-bottom:20px;\">\n  <a href=\"https:\/\/sebastienchampagne.com\/fr\/about\/contact\/\"\n     style=\"display:inline-block; background:#f5c400; color:#003366;\n            padding:0px 34px 20px 34px;\n            font-weight:700; font-size:16px;\n            border-radius:8px; text-decoration:none;\n            box-shadow:0 6px 14px rgba(0,0,0,0.15);\"><br \/>\n     \ud83d\udcde Discuter de mon projet<br \/>\n  <\/a>\n<\/div>\n<\/div>\n<\/div><\/div><\/div><div class=\"widget blue half\" id=\"apply-now\" data-index=\"13\">\t\t\n\t\t    <div class=\"content\">\n            \t<div class=\"apply-icon\"><\/div>\n               \t<h2>Demande en ligne<\/h2>\n                <h3>Rapide, Facile, S\u00e9curis\u00e9<\/h3>\n\n                <a class=\"buttons\" target=\"_blank\" href=\"https:\/\/secure.dominionlending.ca\/?app=24840&lang=fr\">Demande en ligne<\/a>\n                \n                \n            <\/div>\n       \t\n\t\t<\/div><div class=\"widget blue half\" id=\"block\" data-index=\"14\"><a href=\"https:\/\/sebastienchampagne.com\/fr\/ressources\/calculateurs\/\" style=\"display:block;\">\n  <img \n    src=\"https:\/\/sebastienchampagne.com\/wp-content\/uploads\/2026\/03\/calculateur-hypothecaire-rive-nord-montreal.webp\" \n    alt=\"Calculateur hypoth\u00e9caire pour estimer vos paiements \u00e0 Montr\u00e9al et Rive-Nord\"\n    style=\"\n      width:100%;\n      border-radius:12px;\n      display:block;\n      transition:transform 0.3s ease;\n    \"\n    onmouseover=\"this.style.transform='scale(1.02)'\"\n    onmouseout=\"this.style.transform='scale(1)'\"\n  >\n<\/a><\/div><div class=\"widget blue full\" id=\"sow-editor\" data-index=\"15\"><div class=\"so-widget-sow-editor so-widget-sow-editor-base\">\n<div class=\"siteorigin-widget-tinymce textwidget\">\n\t<p>Pour mieux comprendre les r\u00e8gles encadrant le financement hypoth\u00e9caire au Qu\u00e9bec, vous pouvez consulter les ressources de la <a href=\"https:\/\/www.cmhc-schl.gc.ca\/fr\">SCHL<\/a> ainsi que celles de l\u2019<a href=\"https:\/\/lautorite.qc.ca\/\">Autorit\u00e9 des march\u00e9s financiers<\/a>.<\/p>\n<hr style=\"border: none; border-top: 1px solid #e0e0e0; margin: 1px 0;\" \/>\n<\/div>\n<\/div><\/div><div class=\"widget blue full\" id=\"sow-editor\" data-index=\"16\"><div class=\"so-widget-sow-editor so-widget-sow-editor-base\">\n<div class=\"siteorigin-widget-tinymce textwidget\">\n\t<p>Looking for information in English?<\/p>\n<div style=\"margin: 16px 0;\"><a style=\"display: inline-flex; align-items: center; justify-content: center; padding: 8px 14px; background-color: #0b3a6e; color: #ffffff; text-decoration: none; border-radius: 4px; font-weight: 500; font-size: 14px; line-height: 1;\" href=\"https:\/\/sebastienchampagne.com\/fr\/coaching-in-english\/\" aria-label=\"Coaching in English\"><br \/>\nCoaching in English<br \/>\n<\/a><\/div>\n<\/div>\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Courtier hypoth\u00e9caire sur la Rive-Nord: plus qu\u2019un taux, un service personnalis\u00e9 et humain Comme courtier hypoth\u00e9caire sur la Rive-Nord, j\u2019accompagne des clients de Laval, de la Rive-Sud et de l\u2019ensemble du Grand Montr\u00e9al dans leurs projets immobiliers. \u00a0 Derri\u00e8re chaque projet se cache une r\u00e9alit\u00e9 unique. Mon r\u00f4le ne se limite donc pas \u00e0 trouver [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"page-templates\/homepage.php","meta":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v17.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<meta name=\"description\" content=\"Courtier hypoth\u00e9caire sur la Rive-Nord desservant Montr\u00e9al, Laval et la Rive-Sud. 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