A website of Dominion Lending Centres Homestead Financial · Independently Owned and Operated · Brokerage Licence #11711 # About ReverseMortgageWhitby.ca | Who Runs This Website > ReverseMortgageWhitby.ca is a website of Dominion Lending Centres Homestead Financial, brokerage licence #11711. Who runs it, and how Richard Hopkins helps for free. URL: https://reversemortgagewhitby.ca/about/ # About ReverseMortgageWhitby.ca ReverseMortgageWhitby.ca explains reverse mortgages in plain English for Whitby homeowners 55 and older, and for the adult children helping them. It is not a separate brokerage: The publisher is Dominion Lending Centres Homestead Financial, an Ontario mortgage brokerage licensed by FSRA. [Get My Free Estimate](https://reversemortgagebroker.ca/estimate/?utm_source=reversemortgagewhitby&utm_medium=satellite&utm_campaign=about) No cost · No credit check · No sales pressure As Ontario's brokerage rules require, here is who operates ReverseMortgageWhitby.ca: **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.** ReverseMortgageWhitby.ca is a website of Dominion Lending Centres Homestead Financial, not a separate brokerage. Richard Hopkins, Mortgage Broker, licence M16000896. ## Homestead Financial and the Dominion Lending Centres network Dominion Lending Centres Homestead Financial is licensed by the Financial Services Regulatory Authority of Ontario as mortgage brokerage #11711. Within the Dominion Lending Centres network, it is independently owned and operated, and it was founded in 2009. Your questions about a reverse mortgage go to Richard Hopkins, Mortgage Broker (licence M16000896). He compares every reverse mortgage lender in Canada for your Whitby home. The brokerage writes and publishes every page here. No lender pays for a page, sponsors one or approves what it says. ## About Richard Hopkins, in his 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 Whitby has its own website Most people first hear about reverse mortgages from an advertisement. An ad rarely explains the full cost, the conditions, or when another option would suit you better. These pages answer those questions with Whitby's own facts: home prices reported by TRREB, the Town of Whitby's tax rebate for low-income seniors, the 2026 property tax rates, the Town's rules for basement and garden suites, and the long-term care homes in town. Each number on these pages links to its source, with the date it was checked. Lender rates and fees appear as the lenders advertise them, dated too. ## What happens when you ask for help - **You start with a short estimate form.** It is on reversemortgagebroker.ca, the brokerage's main reverse mortgage website, and asking for an estimate doesn't affect your credit. - **Then it's all email and phone.** You can reread every number and forward it. A son or daughter can be copied on each message, or can reply for you, with you copied. - **Every lender is compared.** Richard checks all four for your age and your home, then emails you the best deal for your home and goals. - **Other options are part of it.** Home equity lines of credit, refinances and regular mortgages are arranged by Richard too. With them weighed for your Whitby home, you get a recommendation based on your situation, even if it's not a reverse mortgage. - **Whitby homeowners pay Richard nothing.** Once the mortgage funds, the lender pays the brokerage. Separate costs, which you see before you sign, are the appraisal, the lender's set-up fee and your own lawyer. ## Standards for these Whitby pages - As Ontario's brokerage rules require, every page shows the brokerage's name and licence number at the top and bottom. - Any example is labelled as one, and none is about a real client. - No lender gets promoted here. Where lenders are named, all four appear together. - The Whitby calculator and fit check keep none of your answers. Questions about these Whitby pages themselves can go through the [contact page](/contact/). Date modified: 2026-10-16 --- Free reverse mortgage estimate (no sales pressure): https://reversemortgagebroker.ca/estimate/?utm_source=reversemortgagewhitby&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. ReverseMortgageWhitby.ca is a website of Dominion Lending Centres Homestead Financial, not a separate brokerage. Richard Hopkins, Mortgage Broker, licence M16000896.