A website of Dominion Lending Centres Homestead Financial · Independently Owned and Operated · Brokerage Licence #11711 # About ReverseMortgageHamilton.ca | Who Publishes It > ReverseMortgageHamilton.ca is a website of Dominion Lending Centres Homestead Financial, brokerage licence #11711. Who publishes it and how the free help works. URL: https://reversemortgagehamilton.ca/about/ Who publishes this website # About ReverseMortgageHamilton.ca ReverseMortgageHamilton.ca explains reverse mortgages for Hamilton homeowners aged 55 and older, in plain English and with Hamilton's own numbers. Dominion Lending Centres Homestead Financial, a licensed Ontario mortgage brokerage, publishes it. It is not a separate company or brokerage. [Get My Free EstimateGet My Free Reverse Mortgage Estimate](https://reversemortgagebroker.ca/estimate/?utm_source=reversemortgagehamilton&utm_medium=satellite&utm_campaign=about) - No cost - Doesn’t affect your credit - 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.** ReverseMortgageHamilton.ca is a website of Dominion Lending Centres Homestead Financial, not a separate brokerage. Richard Hopkins, Mortgage Broker, licence M16000896. ## The publisher Every page here comes from Dominion Lending Centres Homestead Financial, an Ontario mortgage brokerage that holds licence #11711 from the Financial Services Regulatory Authority of Ontario. It belongs to the Dominion Lending Centres network, is independently owned and operated, and is a brokerage based in Dundas, in the City of Hamilton. The brokerage was founded in 2009. The brokerage's reverse mortgage work is led by Richard Hopkins, Mortgage Broker (licence M16000896). He started in the mortgage business in 2013 as a mortgage agent and is now a licensed broker. Lenders have no say in what appears here: none of them pays for, sponsors or checks these pages. ## In Richard's words > I'm a licensed Ontario mortgage broker specializing in reverse mortgages at Dominion Lending Centres Homestead Financial. > > 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 Hamilton gets its own website The product itself is national. The numbers that decide whether it makes sense are local: Cornerstone's prices for each part of the city, the City of Hamilton's tax deferral and $241 seniors rebate, the Vacant Unit Tax, and the fact that buying in Hamilton carries Ontario's land transfer tax alone. Each page names where its figures come from and when they were checked. Prices are from the Cornerstone Association of REALTORS, programs from the City of Hamilton and the Ontario government, and rates and fees from what lenders advertise. ## What happens when you ask for help - **You begin with a free estimate** on reversemortgagebroker.ca, the brokerage's main reverse mortgage site. It doesn't affect your credit. - **The rest happens by email, phone and video call.** Figures are sent in writing so you can reread them and pass them to family, who are welcome in copy. - **Every lender is checked.** Richard looks at each Canadian reverse mortgage lender for your house and age and explains which option fits you best, and why. - **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. - **Richard costs you nothing.** The lender you choose pays the brokerage once the mortgage funds. The appraisal, the lender's set-up fee and your lawyer are separate one-time costs, and the broker keeps none of them. ## Standards these pages hold to - Ontario requires the brokerage's name and licence on every page, and you'll find them at the top and bottom of each one. - Worked examples are marked as illustrations. - No single lender is favoured. When lenders are named, all four appear together. - Your answers to the calculator and the 10-question check stay on your own device. Questions about the site itself can go through the [contact page](/contact/). --- Free reverse mortgage estimate (no sales pressure): https://reversemortgagebroker.ca/estimate/?utm_source=reversemortgagehamilton&utm_medium=satellite&utm_campaign=about 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. ReverseMortgageHamilton.ca is a website of Dominion Lending Centres Homestead Financial, not a separate brokerage. Richard Hopkins, Mortgage Broker, licence M16000896.