Integrity in Every Recommendation
We only recommend what genuinely serves your best interests — no exceptions, no hidden agendas.
Toronto's reverse mortgage specialists — since 1989.
With over 30 years of experience in the mortgage industry, we provide professional, strategic mortgage advice to homeowners across Toronto, the GTA, and major Canadian cities.
Professional Background
After earning a Bachelor of Commerce from the University of Guelph in 1984, Nick entered the business world in a senior leadership role before founding Empire Mortgage Funding Corporation in 1989.
Since then, he has built a respected mortgage practice focused on delivering tailored financing strategies that reflect each client's long-term goals — not simply completing a transaction.
His deep industry knowledge, combined with a genuine commitment to client outcomes, has made him one of Toronto's most trusted voices in reverse mortgage guidance.
1984
Bachelor of Commerce
University of Guelph — foundation in business, finance, and strategic management.
1984 – 1989
Senior Leadership Role
Gained executive-level experience in business operations before transitioning to financial services.
1989 — Present
Founded Empire Mortgage Funding Corporation
Built Toronto's trusted reverse mortgage practice — serving hundreds of homeowners over 35+ years.
Our Specialization
Reverse mortgages require careful explanation, full disclosure, and structured planning. Our approach ensures every client understands both the benefits and considerations before making any decision.
Long-Term Commitment
A defining feature of our practice is long-standing client relationships. Many homeowners return for additional guidance over the years and confidently refer family members.
Consistent 5-star reviews reflect our commitment to professionalism, responsiveness, and the highest standards of service — not just at closing, but throughout every stage of homeownership.
"Nick has been dealing with our house and mortgage for almost 30 years and never let us down. He recently walked us through the process of reverse mortgage and couldn't have been more helpful. Always available to answer questions and always a positive attitude. We could not recommend Nick more — especially for a reverse mortgage, which has turned out to be a blessing to two 75-year-old homeowners."
Our goal is not simply to complete a transaction — but to serve as a trusted advisor throughout every stage of homeownership.
We only recommend what genuinely serves your best interests — no exceptions, no hidden agendas.
Every term, every implication, every option — explained in plain language before any decision is made.
Every strategy is tailored to your specific goals, timeline, and financial situation — never one-size-fits-all.
Our relationship doesn't end at the closing table. We remain available as your trusted advisor for years to come.
Start with a no-obligation conversation. We'll walk you through your options clearly, honestly, and at your own pace.
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