Christine Traynor
Mortgage Agent & Appraiser
20+ years as a real estate appraiser with deep experience in residential property valuation.
About Us
Canada's Independent Reverse Mortgage Resource
We help Canadian homeowners 55+ compare all five reverse mortgage lenders — honestly, independently, and at no cost.
Meet Scott Dillingham
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 a licensed mortgage agent with Mortgage Architects — LendCity (FSRA #12728). Over the years I have helped hundreds of Canadian homeowners and families navigate refinancing, debt restructuring, retirement planning, and reverse mortgage decisions. 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 all five Canadian providers — 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.
Licensing & Regulatory Oversight
Mortgage Architects is regulated by the Financial Services Regulatory Authority of Ontario (FSRA). License number: FSRA #12728. You can verify licensing at fsrao.ca.
Our Team
Reverse Mortgage Centre is supported by licensed professionals across Canada. Meet the specialists currently active in our consultation system.
David Cardozo
Real Estate & Mortgage Agent
Active investor with extensive experience across residential and commercial projects.
Gillian Irving
Mortgage Agent
Specializes in finding the right mortgage solutions for homeowners at every stage of life.
Jennifer Champion
Mortgage Agent & Developer
Deep knowledge of Canadian mortgage products with a passion for helping seniors access their home equity.
Jeremy Kresky
Agricultural & Commercial Specialist
Decade of experience in agricultural and commercial finance. Specializes in deals that don't fit conventional boxes.
Kirann Sharma
Mortgage Agent
Specializes in creative financing solutions. Known for finding solutions when others say no.
Aya Chukr
Operations & Client Care
Supports client coordination, scheduling flow, and communication quality across the team.
Illustrative Client Stories
These examples are anonymized and illustrative of common homeowner situations in Canada.
Illustrative
BC couple, ages 74 and 71
Cleared an existing line of credit and funded accessibility upgrades while staying in the home where their grandkids visit weekly.
Illustrative
Quebec widow, age 76
Used a conservative draw to improve monthly cash flow and avoid triggering OAS and GIS clawbacks from large RRIF withdrawals.
Illustrative
Ontario family transition
Structured funds to support in-home care costs while preserving flexibility for future estate planning decisions.
Contact Us
The best way to reach us is to book a free call or use our contact form. We respond to all inquiries within one business day.
Have questions about reverse mortgages?
Our licensed mortgage team can walk you through your options, compare lenders, and help you understand how much you could access — no obligation, no pressure.