# About ReverseMortgageEtobicoke.ca | Who Publishes It > Who runs ReverseMortgageEtobicoke.ca: Dominion Lending Centres Homestead Financial, FSRA brokerage licence #11711, and how its free reverse mortgage help works. URL: https://reversemortgageetobicoke.ca/about/ # About ReverseMortgageEtobicoke.ca ReverseMortgageEtobicoke.ca is a plain-English guide to reverse mortgages for Etobicoke homeowners 55 and older and their families. Dominion Lending Centres Homestead Financial, an Ontario mortgage brokerage, owns and writes it; the website itself is not a brokerage. [Get My Free Estimate](https://reversemortgagebroker.ca/estimate/?utm_source=reversemortgageetobicoke&utm_medium=satellite&utm_campaign=about) No cost · No credit check · No sales pressure **Operated by Dominion Lending Centres Homestead Financial, a mortgage brokerage licensed by the Financial Services Regulatory Authority of Ontario, brokerage licence #11711. Independently Owned and Operated.** ReverseMortgageEtobicoke.ca is a website of Dominion Lending Centres Homestead Financial, not a separate brokerage. Richard Hopkins, Mortgage Broker, licence M16000896. ## Who stands behind every page Dominion Lending Centres Homestead Financial writes and publishes ReverseMortgageEtobicoke.ca. It is an Ontario mortgage brokerage, licensed by the Financial Services Regulatory Authority of Ontario under brokerage licence #11711, and an independently owned and operated member of the Dominion Lending Centres network. The brokerage was founded in 2009. Its reverse mortgage work is led by Richard Hopkins, Mortgage Broker (licence M16000896), who started in the mortgage business in 2013 as a mortgage agent. No lender writes, pays for, sponsors or checks any page before it goes up. ## In Richard's words > I'm a licensed Ontario mortgage broker specializing in reverse mortgages at Dominion Lending Centres Homestead Financial, the brokerage my mother founded in 2009. > > I work with **all four Canadian reverse mortgage lenders**, so I can compare them for you, explain the differences clearly, and recommend the option that offers the best overall value for your needs, both upfront and over the long term. > > As a full-service broker, I can also show you other options, including bank refinances, home equity lines of credit (HELOCs) and home equity loans. That means you'll get my recommendation based on your situation, **even if it's not a reverse mortgage.** > > **My service is completely free to you**, with no sales pressure. The lender pays my brokerage when your reverse mortgage funds, and all four reverse mortgage lenders pay the same, so **my compensation doesn't change based on which lender I recommend.** > > My goal is simply to give you the clear, straightforward information you need to make the decision that's right for you. ## Why a website just for Etobicoke Reverse mortgage rules come from the lenders and from Ontario and federal law, so they are the same in Etobicoke as anywhere in Ontario. The local details are not. Etobicoke sits inside the City of Toronto, so Toronto's property tax programs, its Vacant Home Tax and its own land transfer tax all apply here, and prices run from Rexdale bungalows to Kingsway houses worth well over $2 million. Every figure carries a source and a date. Home values come from the Toronto Regional Real Estate Board, which reports Etobicoke as five districts, W06 to W10. Program rules come from the City of Toronto and the Government of Ontario, and rates and fees are the ones the four lenders advertise. ## How the free help works - **A free estimate to start.** A short form on reversemortgagebroker.ca, the brokerage's main reverse mortgage website, takes about 90 seconds, and asking has no effect on your credit. - **Then email, phone or video call.** Figures arrive by email to read in your own time, with your adult children copied if you wish. You never need to visit an office. - **Every lender compared.** Richard checks your age and your home against all four reverse mortgage lenders in Canada, then emails you the best deal for your home and goals. - **Other options, too.** The brokerage also arranges home equity lines of credit, refinances and regular mortgages, so you get a recommendation based on your situation, even if it's not a reverse mortgage. - **Free to you.** The brokerage's pay comes from the lender, once your mortgage has funded. Your appraiser, the lender's set-up fee and your own lawyer are each paid directly; none of that money reaches the broker. ## Standards for what you read here - Ontario rules require the brokerage's name and licence on its advertising, so you'll find both in the header and footer of each page. - No made-up reviews, ratings or client stories. Any worked example is labelled as an example. - The four lenders are named together, as facts, and none is promoted. - The calculator and the 10-question check work on your own device and send nothing. Questions about the website itself go through the [contact page](/contact/). --- Free reverse mortgage estimate (no sales pressure): https://reversemortgagebroker.ca/estimate/ Operated by Dominion Lending Centres Homestead Financial, a mortgage brokerage licensed by the Financial Services Regulatory Authority of Ontario, brokerage licence #11711. Independently Owned and Operated. ReverseMortgageEtobicoke.ca is a website of Dominion Lending Centres Homestead Financial, not a separate brokerage. Richard Hopkins, Mortgage Broker, licence M16000896.