Homestead Financial — Dominion Lending Centres
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Richard Hopkins, Mortgage Broker at Homestead Financial

Richard Hopkins

Mortgage Broker · Licence M16000896

Homestead Financial — Dominion Lending Centres · FSRA-licensed brokerage #11711 · verify a licence with FSRA

I'm Richard — I've worked in the mortgage industry since 2013, first as a mortgage agent, now as a licensed mortgage broker. Today, I lead the reverse mortgage practice at Homestead Financial — Dominion Lending Centres.

Homestead Financial was founded in 2009 by my mother, Catherine Evel, who has been in the industry since 1999. Together, we've funded more than 2,500 mortgages for Ontario families.

My role is straightforward: I help homeowners 55 and older figure out whether a reverse mortgage actually makes sense for them.

Sometimes it does. Sometimes the better answer is a HELOC (a home equity line of credit), a regular refinance, or even downsizing. I'm an independent mortgage broker, so I compare every reverse mortgage lender in Canada — not one bank, not one product. And an important part of my job is telling people when a reverse mortgage isn't the right fit.

Everything on this site follows the same approach I use with my clients: plain English, real numbers, and the trade-offs explained up front.

If you've read this far and still feel unsure, that's normal — this is a big decision, and it should never feel rushed. Ask me your questions by phone or email, whichever is easier. Asking costs nothing, commits you to nothing, and you won't be hounded with sales calls afterward. Take all the time you need.

Get in touch

Email richard.hopkins@homesteadfinancial.ca or call 905-690-6068. There's no cost for our advice — if you choose to proceed, the lender pays us after the loan funds.

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