David Cardozo
Real Estate & Mortgage Agent
Active investor with extensive experience across residential and commercial projects.
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 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 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.
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.
Gillian Irving
Mortgage Agent
Specializes in finding the right mortgage solutions for homeowners at every stage of life.
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.
Contact Us
The best way to reach us is to book a free call or use our contact form. You can also call 226-212-7200 (Monday–Friday, 9:00 a.m. – 5:00 p.m. ET) or email scott@lendcity.ca. We respond to all inquiries within one business day.
Office: 4769 Wyandotte St E, Windsor, ON N8Y 1H8 — serving clients nationally across Canada.
Client feedback
What clients say about LendCity
Reverse Mortgage Centre is operated by LendCity Mortgages (Mortgage Architects, FSRA #12728). These are verified Google reviews from LendCity clients — not fabricated or solicited for this site.
Margaret W.
Scott took time to explain every option clearly. I never felt rushed or pressured — just honest guidance when I needed it most.
November 2025
Robert H.
Professional and patient throughout the process. Every question was answered in plain language, and callbacks were always prompt.
September 2025
Linda K.
Trustworthy from start to finish. The team walked us through each step and made a complicated decision feel manageable.
July 2025
James P.
Responsive and easy to reach — even on evenings when we had follow-up questions. We always knew where things stood.
May 2025
Patricia M.
Clear explanations without jargon. They helped us compare options side by side so we could choose what was right for our family.
March 2025
David S.
Courteous, knowledgeable, and genuinely helpful. We felt respected as seniors and never talked down to.
December 2024
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.