Secure Your Financial Freedom with a Reverse Mortgage

Pay bills, upgrade your home, travel or more using your home equity.

Professional Help from Our Reverse Mortgage Specialists

If you’re considering a reverse mortgage, it’s imperative that you take plenty of time to think this decision through. That’s why it’s so important that you seek the assistance of a licensed mortgage agent from Reverse Mortgage 4U. They’ll guide you through the entire process to make sure you’re confident that a reverse mortgage is right for your needs.

The advice our experts provide is objective and impartial. We don’t work for the bank; we work for you.

Receive your no-cost evaluation in only 90 seconds

Don’t Know Where to Begin with Reverse Mortgages?

There’s a lot you need to understand before deciding whether or not a reverse mortgage is right for you, so it makes sense to begin with our no-cost reverse mortgage guide.

It covers all of the important information and facts you absolutely must understand before you proceed.

Find Out More About Reverse Mortgages

We Provide Unbiased Guidance on Reverse Mortgages 

There is a lot of very misleading information on the Internet about this topic. However, when you receive expert guidance from one of our licensed reverse mortgage specialists, you can rest assured that you’ll have all the facts.

Anytime you are thinking about making a big financial decision, you have to be absolutely positive that it’s going to be the right move. This is only possible when you go into the decision knowing exactly what it entails.

This is where it helps to have an independent mortgage expert on your side to provide objective advice. Our team has already helped hundreds of people throughout the country, which is experience that will work to your benefit.

Retire in the Home you Love

Find Out How Much You Qualify For

Whether you're looking to consolidate your debts, travel, help your children or improve your home, find out how much you qualify for with a CHIP Reverse Mortgage.  You can do all this and more and still keep possession of your home.

Start Your Assessment

Get Informed with the Facts

We recommend that you consider this decision carefully. Check our “Reverse Mortgage Fact Book” for important information you need to make the right decision.

You Will Never Have to Worry About Losing Your Home

Many people who consider reverse mortgages worry that it might mean losing their home. Fortunately, we are happy to clarify that there is no chance this will happen.  

You will always keep your home – always. 

Yes, there are pitfalls you need to watch out for when it comes to reverse mortgages. We’ll point those out to you. 

You must continue paying for things like insurance and property taxes.

However, as long as you do, you’re at no risk of losing your home. 

If you want to find out about other misconceptions people often believe about reverse mortgages, just push the button below.

Download Reverse Mortgage Factbook

Recent Feedback from our Reverse Mortgage Clients

I am worry-free for the rest of my life. No more financial worries is the most fantastic feeling a person can have. We wanted to stay in our house because we love it. If it wasn’t for CHIP, I could have never stayed in my house.

Ben and Inge H.

I am proud that I am able to stay living in my home while maintaining my financial independence.

Monique O.

Major life changes can happen at any time. For Mary, 67, her divorce after 40 years of marriage presented some challenges. A priority for Mary was that her home was comfortable and well-maintained.

Mary used her home equity to finance maintenance and improvements to her home. She accessed about 40% of the equity in her home with a CHIP Reverse Mortgage. Taken as a lump sum, the money financed the construction of a new deck and garage. A hot tub purchase is also planned in the near future.

Mary also used some of the money for cash flow.

Mary M.

It mattered a lot to John, the son of Patrick, 83 and Ann, 76, that his parents live comfortably in retirement. With Patrick in a long-term care facility while Ann lived in the family home, the bills started piling up.

With Power-of-Attorney, John recommended the CHIP Reverse Mortgage solution to his parents. With their agreement, he proceeded to secure it.

At the outset, Patrick and Ann accessed about 20% of their home equity to pay off their line or credit and credit card balances. John also arranged an additional $1,000 per month to cover his father's medical care expenses.

John and his parents couldn't be happier. He says,

Patrick and Ann O.

Thank you very much John Cavan for arranging for us to be approved for our recent CHIP mortgage. You helped us through the process to understand each aspect of this important decision. Your prompt, professional and knowledgeable guidance helps us immensely with this. Many thanks. We have been able to utilize our equity to invest and earn income from it to supplement our retirement incomes. Thank you again. We would highly recommend you and your team.

Beverley and Sidney

The CHIP Reverse Mortgage gave me a feeling of security knowing that my finances are finally in order and I’m able to pay my bills.

Cathy T.

This year my mother turned 91 and she worked hard her whole life to make sure we had "a roof over our heads".  The last 2 years have been a financial struggle to make sure she has the Home Care she needs to stay in her own home. A friend suggested we look into a Home Equity Loan.

What a blessing!  Once everything was completed I felt a giant burden lift off my shoulders. I was able to retire early and be more available for my mum and my dog.  I feel younger and happier.. I haven't laughed this much in years.

Thank you Amelita and John for making this easy and stress free for us.

Linda F.

To be able to come up with a financial solution specifically for our needs and not have to worry about the consequences on our lifestyle is the ideal situation, and we are so grateful for it.

Craig and Dawn S.

Get Expert Help at No Cost from Our Award-Winning Team

Silver Award - Presidents Club at Mortgage Architects  Readers’ Choice award for Favorite Mortgage Broker  

Before Proceeding with a Reverse Mortgage, Get Your Family Onboard

Of course, all those misconceptions out there may mean that your family members are a bit concerned about moving forward with this decision. 

That’s why we would be more than happy to sit down with them and discuss it (with your permission). They can ask us any questions they want or about any scenarios that have them concerned or confused.

Our goal is to make sure that you and the rest of your family are 100% happy, which we know is only possible when everyone completely understands reverse mortgages.

We say this knowing that, for some of you, this simply will not be the right choice. For others, it will completely change their lives.

By now, you’re probably wondering how long this type of individualized assistance is going to take. Maybe a month? At least a few weeks?

A Reverse Mortgage Specialist will contact you within just 24 hours of filling out your evaluation request.

Our service is quick and Reverse Mortgage 4U will help you through every step of the process.

ReverseMortgage4U is a site for mortgage agents of Stress Free Mortgage by Mortgage Architects – Brokerage License #12728.

We Will Do the Hard Work for You

If you find reverse mortgages confusing, you’re not alone. You also wouldn’t be the first one who tries figuring them out on their own only to realize what a difficult undertaking this is. Even after you were able to get a firm grasp on this topic, you’d then have to go on to consider all of your different options for one.

We don’t think busy people like you should have to go through all this trouble, especially when we have a team of experts who can quickly get you caught up to speed.

Save yourself hours or even days of research and sifting through facts and falsehoods by letting us help.

Our company works with HomEquity Bank, which is currently the only provider of reverse mortgages in Canada. This ensures you get all the support you require and the assistance of a qualified mortgage agent who will take you through every step and give you answers to any questions you might have.

This Service Comes at No Cost at All

You’ll receive:

  • A Certified Mortgage Specialist to help you through the entire process
  • No-cost advice to ensure this financial decision is the right one for you
  • Award-winning assistance from a Stress Free Mortgage by Mortgage Architects team member
  • Guides relevant to every step of the reverse mortgage process
  • Peace of mind knowing professionals are helping 
  • Articles and other content from our website at no cost

Receive Your No-Cost Reverse Mortgage Evaluation

One of the Top 3 Reverse Mortgage Specialists in All of Canada

Past clients of ours have appreciated the confidence they received by working with one of the top 3 reverse mortgages specialists in the entire country. We’ve earned this distinction by consistently helping people make the right decisions based on their unique financial traits.

No matter where you live, we have award-winning mortgage professionals nearby who are ready to help you. Feel free to contact us with any questions you have. 

Literally thousands of people have already benefited from our insights. 

Furthermore, when you call us at 905-878-7213, you’ll get to immediately speak with an actual mortgage professional, not a voicemail that can only take down your details. 

When you want answers, we’re standing by to provide them.

Of course, if it’s more convenient, please feel free to email us at We would also be more than happy to send you an information pack either through mail or email.

We are completely-licensed mortgage professionals with Stress Free Mortgage by Mortgage Architects – Brokerage License #12728. 

Receiving Objective Expert Advice Doesn’t End There

It’s important to us that the people who trust us with such a big decision are receiving accurate information before they proceed. To make sure we are able to provide this, we are constantly researching trends and keeping up with industry news. This allows us to explain this product with the most recent facts.

Contact A Mortgage Professional  Download Factbook

It’s Easy to Stay in the Loop with Our Regularly Updated Articles

We have also created a reverse mortgage guide. It was designed to give the reader everything they must understand, which includes the pros and cons of this type of financial product.

This way, you can be completely confident you have every piece of information necessary to feel comfortable about a reverse mortgage, especially the advice that will help you avoid common pitfalls.

If you are seriously thinking about a reverse mortgage, then you absolutely must go through this guide. It will give you a big advantage if you decide to go forward, without the same type of time commitment. 

The Definitive Guide to Reverse Mortgages 

Here’s what is inside this guide:

  • The most common misconceptions about reverse mortgages, including their real advantages and disadvantages 
  • A side-by-side comparison of a reverse mortgage with a HELOC (Home Equity Line of Credit)
  • FAQs (Frequently Asked Questions) that will help with your decision

Get Your Copy Now

Why I Launched the Reverse Mortgage 4U Site

From: John Cavan, Licensed Mortgage Agent, Mortgage Architects: Stress Free Mortgage

Reverse mortgages aren’t the easiest mortgage product on the market to understand. After most people begin researching them, they often think, “This is simply too good to be true.”

It seemed to me that the problem with reverse mortgages was that there just wasn’t a lot of good, accurate information out there that clearly explains them. There was no service that made it simpler, comfortable, and far less frustrating to go through with a reverse mortgage. People were left feeling as though they had to take a “leap of faith.”

As part of Stress Free Mortgage by Mortgage Architects, we decided to fix this by creating one place for people to come and get all the information they need.

This includes our commitment to publishing ongoing guides, articles, and answers that address the needs we see within our audience. 

Our goal is to make sure everyone out there is able to benefit from the best possible advice before embarking on such a big financial decision.
When trying to learn about this product, are you eventually confused about where you can turn? Do you worry because it seems like a reverse mortgage might make sense for you, but you’re not totally positive? Are you sick of looking for help on sites of questionable authority like Wikipedia?

You’ll love our 90-second evaluation. 

It’s fast and easy-to-take but is also a proven solution. After taking it, you’ll be matched up with your own dedicated specialist who is excited to help you through the decision-making process within just a few hours.

All of this information – including the evaluation – is prepared by Stress Free Mortgage by Mortgage Architects, so you can be assured of its accuracy. 

Why not begin your journey today? Join the countless other people who, just like you, have chosen to receive professional help from one of the top 3 reverse mortgage specialists in the country.

John Cavan