You’ve worked hard. Raised children. Weathered storms. And now, it’s your time. Whether you’re 55 or 75, being divorced in this stage of life often comes with a unique blend of freedom, wisdom—and yes, financial questions. You might be thinking about travel, healthcare, supporting grandkids, or just making sure your retirement years are as stress-free […]

“With a reverse mortgage, you no longer own your home.” FALSE. You always maintain title, ownership, and control of your home, as long you continue to meet your mortgage obligations (i.e., paying property taxes and maintaining the home). The reverse mortgage lender simply has a first mortgage on the title, in the same way as […]

You may consider a reverse mortgage to turn your home equity into tax-free cash as part of your retirement solution. But, you might question, “With a reverse mortgage will I owe more than my home is worth?” The answer to this is NO. The CHIP Reverse Mortgage has safeguards built into products to ensure you […]

Some changes coming down the pipe!  I have been accepted into the SMCP accreditation program. What is SMCP? Smith Manoeuvre Certified Professional – a mortgage/investment/tax strategy to help you pay your mortgage down faster, invest for your future, and receive tax refunds while you are doing it. Sound intrigued???  Stay tuned… I am taking the […]

Canadian national home sales were up 3.6% month-over-month. Global Tariff Uncertainty Sidelines Buyers Canadian existing home sales recorded over the MLS Systems climbed 3.6% between April and May, a normally strong month for housing, marking the first gain in activity since last November. The Greater Toronto Area (GTA), Calgary, and Ottawa led the monthly increase. […]

Starting Points & Strategies What, Who, How, Why What is a Reverse Mortgage? A loan secured against the value of a homeowner’s principal residence. Who qualifies for a Reverse Mortgage? Homeowners age 55 or older who live in their primary residence and has a low mortgage balance or is mortgage-free.  A homeowner can apply for […]

Refinancing Your Mortgage in 2025. Refinancing your mortgage can be a smart financial move for many reasons, and as your trusted mortgage advisor, I’ve seen how much it can benefit homeowners! Ideally, refinancing is done at the end of your mortgage term to avoid penalties, but the timing can vary depending on your goals. For […]