David Cardozo
Active investor with extensive experience across residential and commercial projects.
Canada's Independent Reverse Mortgage Resource
We help Canadian homeowners 55+ compare the four reverse mortgage lenders plus Fraction — honestly, independently, and at no cost.
I built Reverse Mortgage Centre because most reverse mortgage information in Canada is written by a single lender. Homeowners deserve an independent place to compare every option before making a major decision about their home.
I am an Accredited Mortgage Professional (AMP) and licensed mortgage agent with Mortgage Architects — LendCity (FSRA #12728). Since 2011 I have helped hundreds of Canadian homeowners and families navigate refinancing, debt restructuring, retirement planning, and reverse mortgage decisions across all ten provinces. My approach is simple: education first, no-pressure advice, and full transparency.
This site is designed for Canadian homeowners 55+ who want clear answers, practical calculators, and side-by-side lender comparisons before talking to anyone.
Why We Built This Site
Every calculator, comparison table, and educational guide on this site is built to help you understand your options — including when a reverse mortgage is not the right fit and alternatives such as a HELOC, refinance, or downsizing may be better.
Our Approach
We compare four reverse mortgage lenders plus Fraction — CHIP, Equitable Bank, Bloom, Home Trust, and Fraction — because no single lender is best for everyone.
How We Are Compensated
There is no fee to use this website or speak with our team. If you move forward with a mortgage, our brokerage is compensated by the lender after funding. Compensation differs by lender and product, and we disclose it to you in writing before you sign anything.
Credentials & Designations
- Accredited Mortgage Professional (AMP) — Mortgage Professionals Canada designation for advanced mortgage expertise
- Licensed Mortgage Agent — Mortgage Architects — LendCity, FSRA #12728
- Specialization — Canadian reverse mortgages, home equity products, and retirement cash-flow planning for homeowners 55+
Licensing & Regulatory Oversight
Mortgage Architects is regulated by the Financial Services Regulatory Authority of Ontario (FSRA). Licence number: FSRA #12728. Reverse mortgage lenders are federally supervised by OSFI; consumer protection is overseen by the Financial Consumer Agency of Canada (FCAC).
Professional Affiliations & Reviews
- LendCity Mortgages — licensed brokerage (Mortgage Architects)
- Reverse Mortgage Centre on LinkedIn
- Verified Google reviews — LendCity client feedback (verified lendcity client reviews)
Our Team
Reverse Mortgage Centre is supported by licensed professionals across Canada. Meet the specialists currently active in our consultation system.
Kirann Sharma
Specializes in creative financing solutions. Known for finding solutions when others say no.
Get in touch.
The best way to reach us is to book a free call or use the contact form. We respond to all inquiries within one business day.
Office: 4769 Wyandotte St E, Windsor, ON N8Y 1H8 — serving clients nationally across Canada.
What clients say about LendCity
Reverse Mortgage Centre is operated by LendCity Mortgages (Mortgage Architects, FSRA #12728). These are verified Google reviews of LendCity Mortgages, the brokerage — not reverse-mortgage testimonials.
“I recently worked with Scott and Aya on a mortgage transaction and had a positive experience. They were knowledgeable, responsive, and focused on achieving…”
“Great working with Lend City Mortgages! I truly appreciate how Scott and Kirann handled the entire process—professional, efficient, and always on top of…”
“LendCity™'s Scott Dillingham and Kirann Sharmaa went up, over and beyond helping me with all the fine details of the mortgage process as well as locking in the…”
“LendCity™ provides an excellent experience from start to finish! Scott is extremely knowledgeable & efficient. Highly recommend to anyone looking for reliable…”
“Scott and Kirann were helpful for getting the best rate for us. The application process was simple and straightforward. They have the expertise to find the…”
“Scott was very helpful with any questions we had. Overall very efficient and will be working with him again in the future!”
Talk with the team.
Book a free call with a licensed specialist — no fee to use this site.