{"id":85,"date":"2021-01-07T09:37:50","date_gmt":"2021-01-07T17:37:50","guid":{"rendered":"https:\/\/washingtonhome.wpengine.com\/?page_id=85"},"modified":"2026-06-02T16:20:08","modified_gmt":"2026-06-02T23:20:08","slug":"for-homebuyers","status":"publish","type":"page","link":"https:\/\/www.homeownership-wa.org\/fr\/for-homebuyers\/","title":{"rendered":"Pour les acheteurs de maison"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><div data-parent=\"true\" class=\"vc_row row-container\" id=\"row-unique-0\"><div class=\"row-background background-element\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"background-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"background-inner\" style=\"background-image: url(https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2021\/01\/buying-a-home-e1785251428924.jpg);background-repeat: no-repeat;background-position: center center;background-attachment: scroll;background-size: cover;\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"block-bg-overlay style-color-1b1d1f-bg\" style=\"opacity: 0.7;\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div><div class=\"row triple-top-padding triple-bottom-padding single-h-padding limit-width row-parent\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_center column_parent col-lg-12 single-internal-gutter\"><div class=\"uncol style-spec style-dark\"  ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"vc_row row-internal row-container\"><div class=\"row row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-middle pos-center align_center column_child col-lg-12 single-internal-gutter\"><div class=\"uncol style-spec style-dark\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" style=\" max-width:696px;\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h1 class=\"font-635512 h1 fontspace-994669 font-weight-600\" ><span>Acheter une maison<\/span><\/h1><div><p>Alors vous voulez acheter une maison! WHRC peut vous aider \u00e0 naviguer dans ce processus passionnant, compliqu\u00e9 et parfois accablant.<\/p>\n<\/div><\/div><div class=\"clear\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row inverted-device-order style-color-ffffff-bg row-internal row-container\"><div class=\"row unequal col-no-gutter row-child\" data-height=\"70\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-middle pos-center align_left column_child col-lg-6 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell double-block-padding\" ><div class=\"uncont\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h3 class=\"h4 fontheight-506459 font-weight-600 text-accent-color\" ><span>Votre maison sera probablement le plus gros achat que vous ferez jamais et \u00eatre un consommateur avis\u00e9 peut signifier des milliers de dollars \u2013 peut-\u00eatre des dizaines de milliers de dollars \u2013 en \u00e9conomies.<\/span><\/h3><\/div><div class=\"clear\"><\/div><\/div><div class=\"uncode_text_column\" ><p>Un appel \u00e0 WHRC vous mettra en contact avec des conseils en mati\u00e8re de logement avant l&#039;achat, des cours d&#039;\u00e9ducation pour les acheteurs de maison, des programmes d&#039;aide \u00e0 la mise de fonds et des mod\u00e8les alternatifs d&#039;accession \u00e0 la propri\u00e9t\u00e9 tels que les fiducies fonci\u00e8res communautaires et l&#039;auto-accession \u00e0 la propri\u00e9t\u00e9 (pensez \u00e0 Habitat pour l&#039;humanit\u00e9). WHRC fournit des informations et des ressources adapt\u00e9es \u00e0 votre emplacement, vos revenus et vos besoins sp\u00e9cifiques.<\/p>\n<\/div><div class=\"uncode_text_column\" ><p><strong>Nous sommes l\u00e0 pour vous donner les connaissances et les outils dont vous avez besoin pour r\u00e9aliser vos r\u00eaves d&#039;accession \u00e0 la propri\u00e9t\u00e9.<\/strong><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-bottom pos-center align_left column_child col-lg-6 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\" style=\"min-height: 60vh;\"><div class=\"uncell single-block-padding\" ><div class=\"column-background background-element\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"background-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"background-inner\" style=\"background-image: url(https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/07\/WHRC_STANDARD-LICENCE_AdobeStock_188343173-scaled.jpeg);background-repeat: no-repeat;background-position: center bottom;background-size: cover;\" data-o_src=\"https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/07\/WHRC_STANDARD-LICENCE_AdobeStock_188343173-scaled.jpeg\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div><div class=\"uncont\" ><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><script id=\"script-row-unique-0\" data-row=\"script-row-unique-0\" type=\"text\/javascript\" class=\"vc_controls\">UNCODE.initRow(document.getElementById(\"row-unique-0\"));<\/script><\/div><\/div><\/div><div data-parent=\"true\" class=\"vc_row has-bg need-focus style-color-165755-bg row-container\" id=\"row-unique-2\"><div class=\"row-background background-element\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"background-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"background-inner\" style=\"background-image: url(https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2023\/08\/WHRC_Seamless_FPO_white.png);background-repeat: no-repeat;background-position: center top;background-attachment: scroll;background-size: cover;\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"block-bg-overlay style-color-165755-bg\" style=\"opacity: 0.91;\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div><div class=\"row unequal col-half-gutter single-top-padding single-bottom-padding quad-h-padding full-width row-parent\" data-height-ratio=\"25\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-middle pos-left align_left column_parent col-lg-6 half-internal-gutter\"><div class=\"uncol style-spec style-dark\" style=\"max-width:80%; margin-left:auto; margin-right:auto;\"  ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" style=\" max-width:90%;\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h4 class=\"font-635512 h5 fontspace-177060 font-weight-600 text-color-ffffff-color text-uppercase\" ><span>Avez-vous besoin d&#039;aide maintenant?<\/span><\/h4><div class=\"text-top-reduced\"><p>Call our hotline number or fill out a message form to contact us. Free interpretation services are available by phone in over 220 languages.<\/p>\n<\/div><\/div><div class=\"clear\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-middle pos-center align_center column_parent col-lg-3 no-internal-gutter\"><div class=\"uncol style-spec style-dark\" style=\"max-width:80%; margin-left:auto; margin-right:auto;\"  ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><span class=\"btn-container btn-block\" ><a role=\"button\"  href=\"\/fr\/t\u00e9l. : 877-894-4663\/\" class=\"custom-link btn btn-custom-typo font-635512 font-weight-600 text-uppercase fontspace-177060 border-width-0 btn-color-1b1d1f btn-flat btn-block btn-icon-left\" title=\"Appelez la hotline WHRC\"><i class=\"fa fa-phone\"><\/i>Call 877-894-4663<\/a><\/span><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-middle pos-left align_center column_parent col-lg-3 single-internal-gutter\"><div class=\"uncol style-light\" style=\"max-width:80%; margin-left:auto; margin-right:auto;\"  ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><span class=\"btn-container btn-block\" ><a role=\"button\"  href=\"https:\/\/form.jotform.com\/221147626100039\" class=\"custom-link btn btn-custom-typo font-635512 font-weight-600 text-uppercase fontspace-177060 border-width-0 btn-color-1b1d1f btn-flat btn-block btn-icon-left\" title=\"Contactez-nous\"><i class=\"fa fa-envelope3\"><\/i>Contactez-nous<\/a><\/span><\/div><\/div><\/div><\/div><\/div><script id=\"script-row-unique-2\" data-row=\"script-row-unique-2\" type=\"text\/javascript\" class=\"vc_controls\">UNCODE.initRow(document.getElementById(\"row-unique-2\"));<\/script><\/div><\/div><\/div><div data-parent=\"true\" class=\"vc_row row-container\" id=\"row-unique-3\"><div class=\"row triple-top-padding triple-bottom-padding quad-h-padding full-width row-parent\" data-height-ratio=\"35\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_parent col-lg-12 single-internal-gutter\"><div class=\"uncol style-light\"  ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"vc_row row-internal row-container\"><div class=\"row unequal col-double-gutter row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-3 half-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"uncode-single-media  text-left\"><div class=\"single-wrapper\" style=\"max-width: 100%;\"><a class=\"single-media-link\" href=\"https:\/\/www.homeownership-wa.org\/fr\/homebuyers-journey\/\" target=\"_blank\" title=\"Carte du parcours de l&#039;acheteur d&#039;une maison\"><div class=\"uncode-single-media-wrapper\"><img decoding=\"async\" class=\"uncode-missing-media\" src=\"https:\/\/via.placeholder.com\/500x500.png?text=media+not+available&amp;w=500&amp;h=500\" \/><\/div><\/a><\/div><\/div><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h6 class=\"fontsize-503545 fontspace-177060 text-color-777777-color text-uppercase\" ><span>Carte du parcours de l&#039;acheteur<\/span><\/h6><\/div><div class=\"clear\"><\/div><\/div><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h3 class=\"h5 fontheight-506459\" ><span><a href=\"https:\/\/www.homeownership-wa.org\/fr\/homebuyers-journey\/\" target=\"_blank\" rel=\"noopener\">10 \u00e9tapes pour naviguer dans votre parcours vers l\u2019accession \u00e0 la propri\u00e9t\u00e9.<\/a><\/span><\/h3><\/div><div class=\"clear\"><\/div><\/div><span class=\"btn-container\" ><a role=\"button\"  href=\"https:\/\/www.homeownership-wa.org\/fr\/homebuyers-journey\/\" class=\"custom-link btn-custom-typo font-413692 font-weight-600 text-initial no-letterspace border-width-0 text-color-4169e1-color btn-icon-right\" title=\"Carte du parcours de l&#039;acheteur d&#039;une maison\" target=\"_blank\">Commencez votre voyage<i class=\"fa fa-chevron-right3\"><\/i><\/a><\/span><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-3 half-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"uncode-single-media  text-left\"><div class=\"single-wrapper\" style=\"max-width: 100%;\"><a class=\"single-media-link\" href=\"https:\/\/www.homeownership-wa.org\/fr\/for-homebuyers\/#info-sessions\" title=\"Pour les acheteurs de maison\"><div class=\"tmb tmb-light  tmb-img-ratio tmb-media-first tmb-media-last tmb-content-overlay tmb-no-bg\"><div class=\"t-inside\"><div class=\"t-entry-visual\"><div class=\"t-entry-visual-tc\"><div class=\"uncode-single-media-wrapper\"><div class=\"dummy\" style=\"padding-top: 66.7%;\"><\/div><img decoding=\"async\" class=\"wp-image-1023\" src=\"https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/07\/WHRC_STANDARD-LICENCE_iStock-1397373682_sm.jpg\" width=\"1400\" height=\"934\" alt=\"Man sitting on the floor with his dog and laptop.\" srcset=\"https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/07\/WHRC_STANDARD-LICENCE_iStock-1397373682_sm.jpg 1400w, https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/07\/WHRC_STANDARD-LICENCE_iStock-1397373682_sm-300x200.jpg 300w, https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/07\/WHRC_STANDARD-LICENCE_iStock-1397373682_sm-1024x683.jpg 1024w, https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/07\/WHRC_STANDARD-LICENCE_iStock-1397373682_sm-768x512.jpg 768w, https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/07\/WHRC_STANDARD-LICENCE_iStock-1397373682_sm-18x12.jpg 18w, https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/07\/WHRC_STANDARD-LICENCE_iStock-1397373682_sm-350x234.jpg 350w\" sizes=\"(max-width: 1400px) 100vw, 1400px\" \/><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><\/div><\/div><\/a><\/div><\/div><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h6 class=\"fontsize-503545 fontspace-177060 text-color-777777-color text-uppercase\" ><span>S\u00c9ANCES D&#039;INFORMATION POUR LES ACHETEURS DE MAISON<\/span><\/h6><\/div><div class=\"clear\"><\/div><\/div><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h3 class=\"h5 fontheight-506459\" ><span><a href=\"https:\/\/www.homeownership-wa.org\/fr\/for-homebuyers\/#info-sessions\">Participez \u00e0 une s\u00e9ance d\u2019information virtuelle pour les acheteurs de maison.<\/a><\/span><\/h3><\/div><div class=\"clear\"><\/div><\/div><span class=\"btn-container\" ><a role=\"button\"  href=\"https:\/\/www.homeownership-wa.org\/fr\/for-homebuyers\/#info-sessions\" class=\"custom-link btn-custom-typo font-413692 font-weight-600 text-initial no-letterspace border-width-0 text-color-4169e1-color btn-icon-right\" title=\"S\u00e9ances d&#039;information pour les acheteurs de maison\">Inscrivez-vous aujourd&#039;hui<i class=\"fa fa-chevron-right3\"><\/i><\/a><\/span><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-3 half-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"uncode-single-media  text-left\"><div class=\"single-wrapper\" style=\"max-width: 100%;\"><a class=\"single-media-link\" href=\"https:\/\/www.homeownership-wa.org\/fr\/bhi\/\" target=\"_blank\" title=\"Initiative des foyers noirs\"><div class=\"tmb tmb-light  tmb-img-ratio tmb-media-first tmb-media-last tmb-content-overlay tmb-no-bg\"><div class=\"t-inside\"><div class=\"t-entry-visual\"><div class=\"t-entry-visual-tc\"><div class=\"uncode-single-media-wrapper\"><div class=\"dummy\" style=\"padding-top: 66.7%;\"><\/div><img decoding=\"async\" class=\"wp-image-348\" src=\"https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2023\/04\/BHI-Family-on-porch_6-5-uai-2190x1460.jpg\" width=\"2190\" height=\"1460\" alt=\"A Black father and mother holding their young son and daughter while smiling as they sit down in front of a home.\"><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><\/div><\/div><\/a><\/div><\/div><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h6 class=\"fontsize-503545 fontspace-177060 text-color-777777-color text-uppercase\" ><span>Initiative des foyers noirs<\/span><\/h6><\/div><div class=\"clear\"><\/div><\/div><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h3 class=\"h5 fontheight-506459\" ><span><a href=\"https:\/\/www.homeownership-wa.org\/fr\/bhi\/\" target=\"_blank\" rel=\"noopener\">Combler le foss\u00e9 de la richesse raciale gr\u00e2ce \u00e0 l&#039;accession \u00e0 la propri\u00e9t\u00e9.<\/a><\/span><\/h3><\/div><div class=\"clear\"><\/div><\/div><span class=\"btn-container\" ><a role=\"button\"  href=\"https:\/\/www.homeownership-wa.org\/fr\/bhi\/\" class=\"custom-link btn-custom-typo font-413692 font-weight-600 text-initial no-letterspace border-width-0 text-color-4169e1-color btn-icon-right\" title=\"Initiative des foyers noirs\" target=\"_blank\">Apprendre encore plus<i class=\"fa fa-chevron-right3\"><\/i><\/a><\/span><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-3 half-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"uncode-single-media  text-left\"><div class=\"single-wrapper\" style=\"max-width: 100%;\"><a class=\"single-media-link\" href=\"https:\/\/www.homeownership-wa.org\/fr\/covenant-homeownership-program\/\" target=\"_blank\" title=\"Programme d&#039;accession \u00e0 la propri\u00e9t\u00e9 Covenant\"><div class=\"tmb tmb-light  tmb-img-ratio tmb-media-first tmb-media-last tmb-content-overlay tmb-no-bg\"><div class=\"t-inside\"><div class=\"t-entry-visual\"><div class=\"t-entry-visual-tc\"><div class=\"uncode-single-media-wrapper\"><div class=\"dummy\" style=\"padding-top: 66.6%;\"><\/div><img decoding=\"async\" class=\"wp-image-1022\" src=\"https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/07\/WHRC_STANDARD-LICENCE_iStock-1385031185_sm-uai-1400x933.jpg\" width=\"1400\" height=\"933\" alt=\"A young girl smiling with her grandparents\"><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><\/div><\/div><\/a><\/div><\/div><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h6 class=\"fontsize-503545 fontspace-177060 text-color-777777-color text-uppercase\" ><span>Programme d&#039;accession \u00e0 la propri\u00e9t\u00e9 Covenant<\/span><\/h6><\/div><div class=\"clear\"><\/div><\/div><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h3 class=\"h5 fontheight-506459\" ><span><a href=\"https:\/\/www.homeownership-wa.org\/fr\/covenant-homeownership-program\/\" target=\"_blank\" rel=\"noopener\">Besoin d&#039;aide pour un acompte\u00a0? V\u00e9rifiez si vous \u00eates admissible.<\/a><\/span><\/h3><\/div><div class=\"clear\"><\/div><\/div><span class=\"btn-container\" ><a role=\"button\"  href=\"https:\/\/www.homeownership-wa.org\/fr\/covenant-homeownership-program\/\" class=\"custom-link btn-custom-typo font-413692 font-weight-600 text-initial no-letterspace border-width-0 text-color-4169e1-color btn-icon-right\" title=\"Programme d&#039;accession \u00e0 la propri\u00e9t\u00e9 Covenant\" target=\"_blank\">Apprendre encore plus<i class=\"fa fa-chevron-right3\"><\/i><\/a><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><script id=\"script-row-unique-3\" data-row=\"script-row-unique-3\" type=\"text\/javascript\" class=\"vc_controls\">UNCODE.initRow(document.getElementById(\"row-unique-3\"));<\/script><\/div><\/div><\/div><div data-parent=\"true\" class=\"vc_row has-bg need-focus style-color-646393-bg row-container onepage-section\" data-label=\"info-sessions\" data-name=\"info-sessions\" id=\"row-unique-4\"><div class=\"row full-width row-parent\" data-height-ratio=\"60\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_parent col-lg-12 single-internal-gutter\"><div class=\"uncol style-light\"  ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"vc_row row-internal row-container\"><div class=\"row unequal col-double-gutter row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-middle pos-center align_left column_child col-lg-6 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"uncode-single-media  text-left\"><div class=\"single-wrapper\" style=\"max-width: 100%;\"><div class=\"tmb tmb-light  tmb-img-ratio tmb-media-first tmb-media-last tmb-content-overlay tmb-no-bg\"><div class=\"t-inside\"><div class=\"t-entry-visual\"><div class=\"t-entry-visual-tc\"><div class=\"uncode-single-media-wrapper\"><div class=\"dummy\" style=\"padding-top: 66.7%;\"><\/div><img decoding=\"async\" class=\"wp-image-1023\" src=\"https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/07\/WHRC_STANDARD-LICENCE_iStock-1397373682_sm.jpg\" width=\"1400\" height=\"934\" alt=\"Man sitting on the floor with his dog and laptop.\" srcset=\"https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/07\/WHRC_STANDARD-LICENCE_iStock-1397373682_sm.jpg 1400w, https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/07\/WHRC_STANDARD-LICENCE_iStock-1397373682_sm-300x200.jpg 300w, https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/07\/WHRC_STANDARD-LICENCE_iStock-1397373682_sm-1024x683.jpg 1024w, https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/07\/WHRC_STANDARD-LICENCE_iStock-1397373682_sm-768x512.jpg 768w, https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/07\/WHRC_STANDARD-LICENCE_iStock-1397373682_sm-18x12.jpg 18w, https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/07\/WHRC_STANDARD-LICENCE_iStock-1397373682_sm-350x234.jpg 350w\" sizes=\"(max-width: 1400px) 100vw, 1400px\" \/><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-middle pos-center align_left column_child col-lg-6 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" style=\" max-width:80%;\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h2 class=\"h2\" ><span>S\u00e9ances d&#039;information pour les acheteurs de maison<\/span><\/h2><\/div><div class=\"clear\"><\/div><\/div><div class=\"uncode_text_column\" ><p>Vous souhaitez acheter une maison ? Vous ne savez pas par o\u00f9 commencer ? Rejoignez WHRC pour une session d&#039;information et de questions-r\u00e9ponses virtuelle en direct. Nous vous pr\u00e9sentons un aper\u00e7u des ressources disponibles pour les acheteurs de maisons \u00e0 Washington et vous expliquons comment vous pouvez vous lancer dans l&#039;accession \u00e0 la propri\u00e9t\u00e9.<\/p>\n<\/div><span class=\"btn-container\" ><a role=\"button\"  href=\"https:\/\/us06web.zoom.us\/meeting\/register\/tZYvcOqhqDwuH922BhT8WgY7aSoWr2cm5SeA\" class=\"custom-link btn border-width-0 btn-default btn-icon-right\" title=\"Inscrivez-vous \u00e0 une s\u00e9ance d&#039;information\" target=\"_blank\">INSCRIVEZ-VOUS AUJOURD&#039;HUI<i class=\"fa fa-external-link\"><\/i><\/a><\/span><span class=\"btn-container\" ><a role=\"button\"  href=\"https:\/\/us06web.zoom.us\/meeting\/register\/tZEud-mtqD0vGNZ0PBTpjkark4loxbRiYUKx#\/registration\" class=\"custom-link btn border-width-0 btn-default btn-outline btn-icon-right\" title=\"Inscrivez-vous \u00e0 une s\u00e9ance d&#039;information\" target=\"_blank\">Je m&#039;inscris aujourd&#039;hui<i class=\"fa fa-external-link\"><\/i><\/a><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><script id=\"script-row-unique-4\" data-row=\"script-row-unique-4\" type=\"text\/javascript\" class=\"vc_controls\">UNCODE.initRow(document.getElementById(\"row-unique-4\"));<\/script><\/div><\/div><\/div><div data-parent=\"true\" class=\"vc_row has-bg need-focus style-color-208545-bg row-container\" id=\"row-unique-5\"><div class=\"row unequal single-top-padding single-bottom-padding single-h-padding full-width row-parent\" data-height-ratio=\"74\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-middle pos-center align_left column_parent col-lg-6 single-internal-gutter\"><div class=\"uncol style-light\"  ><div class=\"uncoltable\"><div class=\"uncell single-block-padding\" ><div class=\"uncont\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h2 class=\"h2\" ><span>Looking for help with your down payment or closing costs?<\/span><\/h2><\/div><div class=\"clear\"><\/div><\/div><div class=\"uncode_text_column\" ><p><a href=\"https:\/\/downpaymentresource.com\/are-you-eligible\/\">Down Payment Resource<\/a> connects you with programs that can make homeownership more affordable. In just a few minutes, you can explore grants, assistance programs, and other resources available where you live. Click below to see what options may be available to you.<\/p>\n<\/div><div class=\"uncode-single-media  text-left\"><div class=\"single-wrapper\" style=\"max-width: 40%;\"><div class=\"tmb tmb-light  tmb-media-first tmb-media-last tmb-content-overlay tmb-no-bg\"><div class=\"t-inside\"><div class=\"t-entry-visual\"><div class=\"t-entry-visual-tc\"><div class=\"uncode-single-media-wrapper\"><img decoding=\"async\" class=\"wp-image-2138\" src=\"https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2026\/03\/DPR-Logo.png\" width=\"579\" height=\"135\" alt=\"\" srcset=\"https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2026\/03\/DPR-Logo.png 579w, https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2026\/03\/DPR-Logo-300x70.png 300w, https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2026\/03\/DPR-Logo-18x4.png 18w, https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2026\/03\/DPR-Logo-350x82.png 350w, https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2026\/03\/DPR-Logo-280x65.png 280w\" sizes=\"(max-width: 579px) 100vw, 579px\" \/><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><\/div><\/div><\/div><\/div><span class=\"btn-container\" ><a role=\"button\"  href=\"https:\/\/downpaymentresource.com\/are-you-eligible\/\" class=\"custom-link btn border-width-0 btn-default btn-icon-left\" title=\"FIND DOWN PAYMENT HELP\" target=\"_blank\">FIND DOWN PAYMENT HELP<\/a><\/span><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-middle pos-center align_left column_parent col-lg-6 single-internal-gutter\"><div class=\"uncol style-light\"  ><div class=\"uncoltable\"><div class=\"uncell single-block-padding\" ><div class=\"column-background background-element\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"background-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"background-inner\" style=\"background-image: url(https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2026\/03\/DPR-Hero-Image.png);background-repeat: no-repeat;background-position: center center;background-size: cover;\" data-o_src=\"https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2026\/03\/DPR-Hero-Image.png\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div><div class=\"uncont\" ><\/div><\/div><\/div><\/div><\/div><script id=\"script-row-unique-5\" data-row=\"script-row-unique-5\" type=\"text\/javascript\" class=\"vc_controls\">UNCODE.initRow(document.getElementById(\"row-unique-5\"));<\/script><\/div><\/div><\/div><div data-parent=\"true\" class=\"vc_row has-bg need-focus style-color-194476-bg row-container\" id=\"row-unique-7\"><div class=\"row-background background-element\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"background-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"background-inner\" style=\"background-image: url(https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2025\/05\/Journey-Overview-p2.png);background-repeat: no-repeat;background-position: center center;background-attachment: scroll;background-size: cover;\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"block-bg-overlay style-color-194476-bg\" style=\"opacity: 0.8;\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div><div class=\"row quad-top-padding quad-bottom-padding triple-h-padding full-width row-parent\" data-height-ratio=\"50\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-middle pos-center align_left column_parent col-lg-8 single-internal-gutter\"><div class=\"uncol style-spec style-dark\"  ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" style=\" max-width:900px;\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h2 class=\"h2\" ><span>Connect With a Pre-Vetted Lending or Real Estate Partner<\/span><\/h2><\/div><div class=\"clear\"><\/div><\/div><div class=\"uncode_text_column text-lead\" ><p>Our list of professionals have been vetted through our Referral Partner Onboarding Process. Explore and find the provider that fits your needs.<\/p>\n<\/div><div class=\"empty-space empty-single\" ><span class=\"empty-space-inner\"><\/span><\/div>\n<span class=\"btn-container btn-inline\" ><a role=\"button\"  href=\"https:\/\/www.homeownership-wa.org\/fr\/vetted-lending-and-real-estate-referral-partner-directory\/\" class=\"custom-link btn border-width-0 btn-default btn-outline btn-icon-right\" title=\"Vetted Lending and Real Estate Referral Partner Directory\" target=\"_blank\">Go to Directory<i class=\"fa fa-external-link\"><\/i><\/a><\/span><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-top pos-center align_left column_parent col-lg-4 single-internal-gutter\"><div class=\"uncol style-light\"  ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" style=\" max-width:80%;\" ><div class=\"uncode-single-media  text-left\"><div class=\"single-wrapper\" style=\"max-width: 75%;\"><div class=\"tmb tmb-light  img-circle tmb-img-ratio tmb-media-first tmb-media-last tmb-content-overlay tmb-no-bg\"><div class=\"t-inside\"><div class=\"t-entry-visual\"><div class=\"t-entry-visual-tc\"><div class=\"uncode-single-media-wrapper img-circle\"><div class=\"dummy\" style=\"padding-top: 100%;\"><\/div><img decoding=\"async\" class=\"wp-image-1391\" src=\"https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2025\/03\/test_white_2.png\" width=\"354\" height=\"354\" alt=\"\" srcset=\"https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2025\/03\/test_white_2.png 354w, https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2025\/03\/test_white_2-300x300.png 300w, https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2025\/03\/test_white_2-150x150.png 150w, https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2025\/03\/test_white_2-12x12.png 12w, https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2025\/03\/test_white_2-350x350.png 350w, https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2025\/03\/test_white_2-348x348.png 348w\" sizes=\"(max-width: 354px) 100vw, 354px\" \/><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><script id=\"script-row-unique-7\" data-row=\"script-row-unique-7\" type=\"text\/javascript\" class=\"vc_controls\">UNCODE.initRow(document.getElementById(\"row-unique-7\"));<\/script><\/div><\/div><\/div><div data-parent=\"true\" class=\"vc_row row-container\" id=\"row-unique-8\"><div class=\"row double-top-padding double-bottom-padding single-h-padding limit-width row-parent\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-left align_left column_parent col-lg-12 single-internal-gutter\"><div class=\"uncol style-light\"  ><div class=\"uncoltable\"><div class=\"uncell\" ><div class=\"uncont no-block-padding col-custom-width\" style=\" max-width:85%;\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h3 class=\"h4 fontspace-177060 text-uppercase\" ><span>Questions fr\u00e9quemment pos\u00e9es<\/span><\/h3><div><p>Cliquez sur chaque question pour en savoir plus sur l&#039;achat d&#039;une maison<\/p>\n<\/div><\/div><div class=\"clear\"><\/div><\/div><div class=\"uncode-accordion wpb_accordion wpb_content_element  sign-size-rg w-border\" data-collapsible=\"no\" data-target=\"\" data-active-tab=\"0\" >\n\t\t<div class=\"panel-group wpb_wrapper wpb_accordion_wrapper\" id=\"accordion_1392723349\" data-no-toggle=\"\">\n\n<div class=\"panel panel-default wpb_accordion_section group  no-block-padding\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_1392723349\" href=\"#1609175727-1-481746830086301\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>Qu&#039;est-ce que l&#039;\u00e9ducation pour les acheteurs de maison et pourquoi en ai-je besoin?<\/span><\/a><\/p><\/div><div data-id=\"1609175727-1-481746830086301\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p>Un cours de formation pour les acheteurs de maison est un cours en ligne ou en personne que vous pouvez suivre pour mieux comprendre le processus de recherche, d&#039;achat et de possession d&#039;une maison. L&#039;\u00e9ducation des acheteurs de maison peut \u00eatre une exigence de votre pr\u00eateur hypoth\u00e9caire ou d&#039;un programme vous offrant une mise de fonds ou une autre aide \u00e0 l&#039;achat. M\u00eame si vous n&#039;\u00eates pas oblig\u00e9 de suivre une formation d&#039;acheteur de maison, suivre un cours clarifiera le processus d&#039;achat d&#039;une maison et vous donnera l&#039;occasion de poser toutes les questions que vous pourriez avoir.<\/p>\n<p>Les cours les plus largement disponibles sont parrain\u00e9s par la Commission de financement du logement de l&#039;\u00c9tat de Washington et disponibles dans les biblioth\u00e8ques de l&#039;\u00c9tat ainsi qu&#039;en ligne. D&#039;une dur\u00e9e de cinq heures, le cours de la Commission est dispens\u00e9 par des agents immobiliers, des organismes \u00e0 but non lucratif et des pr\u00eateurs travaillant en partenariat pour vous proposer un programme complet et neutre. Si vous travaillez avec une agence \u00e0 but non lucratif sp\u00e9cifique pour acheter une maison, cette agence peut exiger la classe de la Commission, la remplacer ou la compl\u00e9ter avec sa propre classe ou s\u00e9rie de classes. Apr\u00e8s avoir assist\u00e9 au cours, vous recevrez un certificat d&#039;ach\u00e8vement. Cliquez sur <a href=\"http:\/\/wshfc.org\/buyers\/schedule.htm\">ici<\/a> pour trouver un cours de formation pour les acheteurs de maison dans votre r\u00e9gion ou appelez la hotline WHRC.<\/p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group  no-block-padding\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_1392723349\" href=\"#1746830354402-1-1\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>Quelle est la diff\u00e9rence entre l&#039;\u00e9ducation des acheteurs de maison et le conseil avant l&#039;achat?<\/span><\/a><\/p><\/div><div data-id=\"1746830354402-1-1\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p>L&#039;\u00e9ducation des acheteurs de maison et les conseils avant l&#039;achat ont un objectif similaire, mais ils ne sont pas le m\u00eame service. Alors que les cours pour acheteurs de maison fournissent des informations g\u00e9n\u00e9rales dans un cadre de groupe, le conseil avant achat offre des conseils individuels adapt\u00e9s \u00e0 votre situation sp\u00e9cifique. Les acheteurs de maison paient g\u00e9n\u00e9ralement des frais pour ce service, bien que certains programmes d&#039;aide aux acheteurs de maison offrent des conseils gratuits avant l&#039;achat dans le cadre des conditions de participation \u00e0 leur programme. Lors d&#039;une s\u00e9ance de conseil pr\u00e9alable \u00e0 l&#039;achat, le conseiller examinera et examinera votre cr\u00e9dit et examinera le budget de votre m\u00e9nage, offrira des informations sur diff\u00e9rents types de produits de pr\u00eat et recommandera des mesures de suivi pour surmonter les obstacles potentiels et vous aider \u00e0 avancer vers votre objectif.<\/p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group  no-block-padding\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_1392723349\" href=\"#1746830702519-2-4\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>Comment choisir un pr\u00eateur hypoth\u00e9caire?<\/span><\/a><\/p><\/div><div data-id=\"1746830702519-2-4\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p>Choisir un pr\u00eateur hypoth\u00e9caire est une d\u00e9cision importante, et \u00eatre s\u00e9lectif peut vous faire \u00e9conomiser des milliers de dollars sur la dur\u00e9e de votre pr\u00eat. Parce que les pr\u00eateurs ont une flexibilit\u00e9 avec les taux qu&#039;ils offrent, vous ne voudrez peut-\u00eatre pas prendre le premier taux qui vous est propos\u00e9. Un taux bas, cependant, n&#039;est pas la seule consid\u00e9ration lors de la s\u00e9lection d&#039;un pr\u00eateur, et nous vous encourageons \u00e0 prendre en consid\u00e9ration les points suivants :<\/p>\n<ol>\n<li>Le pr\u00eateur hypoth\u00e9caire conna\u00eet-il les programmes de mise de fonds \u00e0 Washington et a-t-il de l&#039;exp\u00e9rience pour aider les clients \u00e0 utiliser l&#039;aide pour mise de fonds pour l&#039;achat d&#039;une maison\u00a0?<\/li>\n<li>Vous sentez-vous \u00e0 l&#039;aise de leur parler et de leur poser des questions? L&#039;achat d&#039;une maison, surtout en tant qu&#039;acheteur d&#039;une premi\u00e8re maison, peut \u00eatre un processus accablant et il est important que votre pr\u00eateur puisse r\u00e9pondre \u00e0 vos questions.<\/li>\n<li>Le pr\u00eateur est-il en mesure d&#039;octroyer divers types de pr\u00eats, notamment des pr\u00eats conventionnels, VA, FHA et USDA\u00a0?<\/li>\n<\/ol>\n<p>Le WHRC tient \u00e0 jour un r\u00e9pertoire de professionnels du cr\u00e9dit hypoth\u00e9caire agr\u00e9\u00e9s et autoris\u00e9s \u00e0 exercer \u00e0 Washington. Bien que nous v\u00e9rifions les titres de comp\u00e9tences pour nous assurer qu&#039;ils r\u00e9pondent aux exigences de licence et que nous nous engageons \u00e0 respecter nos valeurs de propri\u00e9t\u00e9 immobili\u00e8re, l&#039;inclusion dans ce r\u00e9pertoire ne constitue pas une approbation d&#039;un pr\u00eateur ou d&#039;un professionnel sp\u00e9cifique. Si vous \u00eates int\u00e9ress\u00e9 par des r\u00e9f\u00e9rences \u00e0 des pr\u00eateurs agr\u00e9\u00e9s, veuillez contacter notre hotline ou nous envoyer un e-mail \u00e0 <a href=\"mailto:info@homeownership-wa.org\">info@homeownership-wa.org<\/a>. To view the directory click on the button below.<\/p>\n<\/div><span class=\"btn-container\" ><a role=\"button\"  href=\"https:\/\/www.homeownership-wa.org\/fr\/vetted-lending-and-real-estate-referral-partner-directory\/#lending-partners\" class=\"custom-link btn border-width-0 btn-accent btn-icon-left\" title=\"List of Lending Agents\" target=\"_blank\"><i class=\"fa fa-user-circle-o\"><\/i>Directory of Vetted Lending Agents<\/a><\/span><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group  no-block-padding\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_1392723349\" href=\"#1746830724958-3-10\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>Comment choisir un agent immobilier ?<\/span><\/a><\/p><\/div><div data-id=\"1746830724958-3-10\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p>Trouver le bon agent immobilier est une \u00e9tape importante dans la recherche de votre nouvelle maison. Votre agent immobilier vous repr\u00e9sente avant tout lors du processus d&#039;achat d&#039;une maison. Ils doivent avoir une bonne compr\u00e9hension du march\u00e9 local du logement, une forte capacit\u00e9 de n\u00e9gociation et une bonne connaissance de la communaut\u00e9 dans laquelle vous cherchez \u00e0 acheter une maison. Si vous utilisez un programme d&#039;aide \u00e0 l&#039;achat de votre maison pour acheter votre maison, un agent immobilier qui conna\u00eet ces programmes peut \u00eatre plus efficace qu&#039;un autre. WHRC ne fait pas de recommandations \u00e0 des agents immobiliers sp\u00e9cifiques, mais votre programme d&#039;achat de maison (si vous en utilisez un) peut en avoir quelques-uns \u00e0 vous recommander.<\/p>\n<p><strong>Pensez \u00e0 poser ces questions pour vous aider \u00e0 prendre la bonne d\u00e9cision\u00a0:<\/strong><\/p>\n<ol>\n<li>\u00cates-vous un agent immobilier professionnel \u00e0 temps plein?<\/li>\n<li>Depuis combien de temps repr\u00e9sentez-vous des acheteurs ?<\/li>\n<li>Avez-vous une \u00e9quipe qui accompagne vos clients? Si oui, qui me contactera tout au long de mon achat et \u00e0 quel type de d\u00e9lai d&#039;ex\u00e9cution puis-je m&#039;attendre lorsque je ferai une demande\u00a0?<\/li>\n<li>Comment voyez-vous fonctionner le processus de recherche de domicile jusqu&#039;\u00e0 la cl\u00f4ture\u00a0?<\/li>\n<li>Comment d\u00e9terminez-vous les maisons \u00e0 me montrer\u00a0?<\/li>\n<li>Comment d\u00e9terminer si le prix d&#039;une maison est juste ?<\/li>\n<li>Quelles d\u00e9signations professionnelles avez-vous?<\/li>\n<li>Avez-vous travaill\u00e9 avec des acc\u00e9dants \u00e0 la propri\u00e9t\u00e9?<\/li>\n<li>Connaissez-vous le programme d&#039;aide \u00e0 l&#039;accession \u00e0 la propri\u00e9t\u00e9 que j&#039;utilise pour acheter ma maison?<\/li>\n<\/ol>\n<p>Le WHRC tient \u00e0 jour un r\u00e9pertoire de professionnels de l&#039;immobilier agr\u00e9\u00e9s. Bien que nous v\u00e9rifions les titres de comp\u00e9tences pour nous assurer qu&#039;ils r\u00e9pondent aux exigences de licence et que nous nous engageons \u00e0 respecter nos valeurs d&#039;\u00e9quit\u00e9 en mati\u00e8re d&#039;accession \u00e0 la propri\u00e9t\u00e9, l&#039;inclusion dans ce r\u00e9pertoire ne constitue pas une approbation d&#039;un professionnel de l&#039;immobilier en particulier. Si vous \u00eates int\u00e9ress\u00e9 par des r\u00e9f\u00e9rences \u00e0 des agents immobiliers agr\u00e9\u00e9s, veuillez contacter notre hotline ou nous envoyer un e-mail \u00e0 <a href=\"mailto:info@homeownership-wa.org\">info@homeownership-wa.org<\/a>. To view the directory of vetted realty agents click on the button below.<\/p>\n<\/div><span class=\"btn-container\" ><a role=\"button\"  href=\"https:\/\/www.homeownership-wa.org\/fr\/vetted-lending-and-real-estate-referral-partner-directory\/#realty-partners\" class=\"custom-link btn border-width-0 btn-accent btn-icon-left\" title=\"List of Realty Agents\" target=\"_blank\"><i class=\"fa fa-user-circle-o\"><\/i>Directory of Vetted Realty Agents<\/a><\/span><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group  no-block-padding\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_1392723349\" href=\"#1746830742685-4-10\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>De quel pointage de cr\u00e9dit ai-je besoin pour acheter une maison?<\/span><\/a><\/p><\/div><div data-id=\"1746830742685-4-10\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p>Un excellent cr\u00e9dit (sup\u00e9rieur \u00e0 720 sur l&#039;\u00e9chelle FICO) vous donnera acc\u00e8s aux taux les plus bas et aux programmes de pr\u00eat les plus avantageux, mais ceux qui ont un bon ou un cr\u00e9dit \u00e9quitable ont toujours des options lorsqu&#039;ils se qualifient pour un pr\u00eat. La cote de cr\u00e9dit minimale varie pour chaque type de pr\u00eat. Les pr\u00eats conventionnels n\u00e9cessitent g\u00e9n\u00e9ralement une cote de cr\u00e9dit de 620 ou plus et les pr\u00eats FHA n\u00e9cessitent g\u00e9n\u00e9ralement une cote de cr\u00e9dit de 580 ou plus.<\/p>\n<p>Vous pouvez v\u00e9rifier votre score de cr\u00e9dit une fois par semaine gratuitement aupr\u00e8s des trois principaux bureaux d&#039;\u00e9valuation du cr\u00e9dit, Equifax, Transunion et Experian. Votre banque ou coop\u00e9rative de cr\u00e9dit peut \u00e9galement vous offrir un acc\u00e8s gratuit \u00e0 votre score FICO. Un conseiller en logement certifi\u00e9 par le HUD peut vous aider \u00e0 \u00e9valuer si l&#039;augmentation de votre score de cr\u00e9dit am\u00e9liorera vos options d&#039;achat de maison. Si vous avez besoin d&#039;augmenter votre score de cr\u00e9dit, des conseils en cr\u00e9dit peuvent vous aider. Appelez le WHRC pour vous connecter \u00e0 ces ressources.<\/p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group  no-block-padding\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_1392723349\" href=\"#1746830762186-5-5\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>Quelle part de mon revenu dois-je consacrer \u00e0 mon versement hypoth\u00e9caire mensuel?<\/span><\/a><\/p><\/div><div data-id=\"1746830762186-5-5\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p>Les pr\u00eateurs et les experts en gestion financi\u00e8re recommandent de maintenir le paiement mensuel de votre maison (y compris les taxes, les assurances et les cotisations de l&#039;association des propri\u00e9taires) \u00e0 28% ou moins de votre revenu mensuel brut. Les experts recommandent \u00e9galement de maintenir le total de vos paiements de dette - y compris votre hypoth\u00e8que, vos cartes de cr\u00e9dit, vos v\u00e9hicules, vos pr\u00eats scolaires et toute autre dette - \u00e0 36% ou moins de revenu mensuel. Par exemple, si vous faites $5 000 par mois, un paiement total de la dette de $1800 ou moins est id\u00e9al. Certains pr\u00eateurs peuvent aller au-del\u00e0, selon les circonstances, mais un ratio dette\/revenu (DTI) sup\u00e9rieur \u00e0 43% rend l&#039;approbation d&#039;un pr\u00eat peu probable.<\/p>\n<p>Un conseiller en logement peut vous aider \u00e0 revoir le budget de votre m\u00e9nage, notamment en vous recommandant des moyens de r\u00e9duire vos dettes pour atteindre vos objectifs d&#039;accession \u00e0 la propri\u00e9t\u00e9.<\/p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group  no-block-padding\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_1392723349\" href=\"#1746830783567-6-4\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>Combien dois-je \u00e9conomiser pour un acompte?<\/span><\/a><\/p><\/div><div data-id=\"1746830783567-6-4\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p>Un \u00ab acompte \u00bb est le montant que vous contribuez \u00e0 l&#039;achat d&#039;une maison, soit \u00e0 partir de votre propre argent, d&#039;un programme d&#039;aide \u00e0 l&#039;acompte, ou des deux. De nombreux acheteurs d&#039;une premi\u00e8re maison croient qu&#039;ils ont besoin d&#039;un acompte minimum de 20%. Pour beaucoup de gens, \u00e9conomiser ce montant peut \u00eatre un \u00e9norme obstacle et parfois la seule raison pour laquelle ils sentent qu&#039;ils ne sont pas pr\u00eats \u00e0 devenir propri\u00e9taires.<\/p>\n<p>Mettre 20% vers le bas n&#039;est PAS une exigence pour acheter une maison. En moyenne, les acheteurs de maison d\u00e9posent le 6% et certains types de pr\u00eats en demandent encore moins. Par exemple, les pr\u00eats FHA ne n\u00e9cessitent que 3,5% d&#039;acompte, et les pr\u00eats USDA et les pr\u00eats VA ne n\u00e9cessitent aucun acompte. Une mise de fonds plus \u00e9lev\u00e9e r\u00e9duira vos mensualit\u00e9s et le co\u00fbt global de votre pr\u00eat.<\/p>\n<p>En fin de compte, le montant que vous versez pour une mise de fonds d\u00e9pend de votre revenu mensuel, de votre \u00e9pargne actuelle, du march\u00e9 du logement lui-m\u00eame et de vos objectifs globaux. Un conseiller en logement peut vous aider \u00e0 d\u00e9terminer le montant de la mise de fonds qui convient \u00e0 votre budget.<\/p>\n<p>Il existe plusieurs programmes d&#039;aide \u00e0 la mise de fonds pour les habitants de Washington, et certains acheteurs de maison d\u00e9couvriront qu&#039;ils sont admissibles \u00e0 plusieurs programmes, qui peuvent souvent \u00eatre combin\u00e9s pour maximiser leurs \u00e9conomies. Contactez-nous d\u00e8s aujourd&#039;hui pour en savoir plus sur les programmes d&#039;aide \u00e0 la mise de fonds et travailler avec un conseiller en logement certifi\u00e9 par le HUD pour d\u00e9marrer votre parcours d&#039;accession \u00e0 la propri\u00e9t\u00e9.<\/p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group  no-block-padding\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_1392723349\" href=\"#1773284309575-8-5\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>Where can I find help with a down payment or closing costs?<\/span><\/a><\/p><\/div><div data-id=\"1773284309575-8-5\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p><a href=\"https:\/\/downpaymentresource.com\/are-you-eligible\/\">Down Payment Resource<\/a> connects you with programs that can make homeownership more affordable. In just a few minutes, you can explore grants, assistance programs, and other resources available where you live. Click the <a href=\"https:\/\/downpaymentresource.com\/are-you-eligible\/\">link<\/a> to see what options may be available to you.<\/p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group  no-block-padding\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_1392723349\" href=\"#1746830800799-7-9\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>Combien aurais-je d\u00fb \u00e9conomiser pour l&#039;entretien de la maison ou les urgences?<\/span><\/a><\/p><\/div><div data-id=\"1746830800799-7-9\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p>Les experts de l&#039;industrie recommandent de mettre de c\u00f4t\u00e9 1-3% de la valeur de la maison chaque ann\u00e9e pour l&#039;entretien et les r\u00e9parations. Une autre fa\u00e7on de d\u00e9terminer ce montant est de cr\u00e9er une liste de vos entretiens et r\u00e9parations pr\u00e9vus pour l&#039;ann\u00e9e, de calculer les co\u00fbts anticip\u00e9s de ces projets, puis de diviser par 12. L&#039;un des avantages de l&#039;aide au versement initial est qu&#039;elle peut vous permettre de conserver une partie de votre argent pour un fonds d&#039;entretien et de r\u00e9paration.<\/p>\n<p>Le montant \u00e0 mettre de c\u00f4t\u00e9 pour les urgences est en fin de compte d\u00e9termin\u00e9 par vous. De nombreux experts recommandent de mettre de c\u00f4t\u00e9 3 \u00e0 6 mois de frais de subsistance. Plus vous \u00e9conomisez d&#039;argent, mieux vous serez \u00e9quip\u00e9 pour faire face \u00e0 une urgence, mais gardez \u00e0 l&#039;esprit que vous voulez mettre de c\u00f4t\u00e9 un montant r\u00e9aliste pour votre budget. Un conseiller en logement peut vous aider \u00e0 \u00e9tablir un budget familial qui comprend des \u00e9conomies pour les urgences, les r\u00e9parations ou d&#039;autres objectifs d&#039;\u00e9pargne.<\/p>\n<\/div><\/div><\/div><\/div>\n\t\t<\/div><\/div><\/div><\/div><\/div><\/div><\/div><script id=\"script-row-unique-8\" data-row=\"script-row-unique-8\" type=\"text\/javascript\" class=\"vc_controls\">UNCODE.initRow(document.getElementById(\"row-unique-8\"));<\/script><\/div><\/div><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"Buying a HomeSo you want to buy a home! 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