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— STUDENT TESTIMONIALS
We’re proud to share our students’ success stories.
Hear directly from students who completed the program and advanced their knowledge, confidence, and career opportunities through hands-on learning and expert guidance.
Brian Smith CCRMC
Mortgage Agent Level 2
Mortgage Architects
CCRMC Certificate
7303-3333-4199
I recently completed the CCRMC – Certified Canadian Reverse Mortgage Course, and I found it to be an extremely valuable learning experience.
Having worked in the mortgage industry for over 20 years, I’ve taken many courses and training programs, but what stood out to me about the CCRMC was its emphasis on being an advisor first, rather than simply a product specialist.
One of my biggest takeaways was the importance of truly understanding the client, their needs, goals, financial picture, family considerations, and long-term objectives before determining whether a reverse mortgage is the right solution. The course goes well beyond simply understanding how reverse mortgages work and focuses on how to properly advise and guide clients through what can be a very important financial decision.
The content was practical, relevant, and immediately applicable to the work I do with clients. It also reinforced the responsibility we have as mortgage professionals to look at the client's complete situation and ensure the solution fits their needs, rather than trying to fit the client into a particular product.
After more than two decades in the mortgage business, I believe specialized education in the reverse mortgage space is long overdue. The CCRMC is an excellent step forward for our industry, and I would highly recommend it to any mortgage professional who wants to better understand reverse mortgages and, more importantly, become a better advisor to their clients.
An excellent course and time very well spent.
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John Burke CCRMC
Principal Broker
Burke Financial
CCRMC Certificate
2546-0020-4023
Excellent course that provides a strong foundation and standard of practice for anyone looking to excel in Reverse Mortgages. The course provides detailed and relevant information for all aspects of Reverse Mortgages, including product fit, ethics, situational examples, referral partner strategy, and much more. Even as an experienced Mortgage Broker, there was a lot I learned from the course, and I saw a lot of value in it.
Derrick Kapitan CCRMC
Mortgage Agent Level 1 # 24003293
The Mortgage Coach #13120
CCRMC Certificate
0402-6246-8285
I’m proud to have completed the Certified Canadian Reverse Mortgage Consultant (CCRMC) course and received my certification.
Throughout my mortgage journey, I’ve tried to build my approach around three things that are important to me:
Sharing knowledge.
Sharing life experiences.
Continuous learning.
This certification fits naturally with those values.
What I appreciated most about the CCRMC program was that it went well beyond learning about a mortgage product. It focused on understanding the realities Canadians may face later in life — retirement income, cash flow, aging in place, family and legacy — and how home equity may fit into those conversations.
One principle particularly resonated with me:
Eligibility asks, “Can the client qualify?”
Suitability asks, “Should the client proceed?”
That distinction reflects how I want to approach every mortgage conversation.
My role isn’t simply to present a product. It’s to listen, ask questions, understand what someone is trying to accomplish, share what I know, explore the alternatives and help them make an informed decision.
Sometimes a reverse mortgage may be appropriate. Sometimes another solution may be better. And sometimes the right recommendation is not to proceed at all.
Receiving my CCRMC certification is another step in my own continuous learning — giving me more knowledge to share with homeowners, their families and the professionals who advise them.
Because whether someone is Getting In, Growing or Staying in the property market, I believe good mortgage advice begins with understanding where they are in their property journey.
Keep learning. Share what you learn. Use that knowledge to help others make better-informed decisions.
Sonya Sokoliuk CCRMC
Mortgage Broker CCRMC
The Mortgage Coach
CCRMC Certificate
9049 1884 4961
The CCRMC course provided a highly valuable learning experience, with content that was both practical and directly applicable to my work, while also encouraging me to consider my role from a wider and more strategic perspective.
One of my biggest takeaways was the importance of a thorough and thoughtful client assessment, and the product being presented. The course reinforced that the quality of our advice depends on how well we understand the client, their situation, and the circumstances behind the decision they are considering.
This is an excellent course , and I strongly recommend it to other professionals in the industry.
Saeid Naeimi-Manesh CCRMC
Mortgage Broker
Mortgage Architect-Tara Borle Team
CCRMC Certificate
1020-8651-9990
Having worked in both the mortgage and real estate industries for many years, I have learned that the most important financial conversations often begin not with a product, but with understanding the person sitting across from us — their goals, concerns, family circumstances, and what they want the next chapter of their life to look like.
That is what I appreciated most about the CCRMC program.
The course goes well beyond explaining how a reverse mortgage works. It reinforces the importance of suitability, ethics, thoughtful discovery, and looking at the client’s complete financial picture before recommending a solution. Just as importantly, it encourages us to consider the alternatives and recognize that a reverse mortgage may be an excellent solution for one homeowner, while another option may better serve someone else.
For me, one of the most important lessons can be summarized in a simple question: **The right question is not, “How can I sell this client a reverse mortgage?” but rather, “What is the best solution for this client at this stage of life?”**
For Canadians aged 55+, accessing home equity can affect far more than their finances. It can influence their ability to age in place, maintain independence, help family members, manage unexpected expenses, and ultimately enjoy retirement with greater financial flexibility and peace of mind. These conversations deserve patience, empathy, specialized knowledge, and a very high standard of care.
The CCRMC program strengthened not only my knowledge of reverse mortgages, but also my belief that our role should be that of a trusted advisor first and a mortgage professional second.
I would highly recommend the CCRMC program to mortgage professionals who genuinely want to understand the needs of older Canadians and help them make informed decisions with clarity, dignity, and confidence.
My sincere thanks to Ron De Silva and the CCRMC team for developing a thoughtful, practical, and much-needed program for our industry.
**Saeid Naeimi-Manesh**
**Mortgage Broker, CCRMC**
Ian Mackay CCRMC
Mortgage Broker
Indi Mortgage
CCRMC Certificate
6932-6664-5626
Hi Ron,
Thank you — genuinely appreciate it. I've been in the mortgage business here in Ontario for over 20 years, and this was easily one of the most comprehensive and applicable courses I've taken in all that time. Well put together and directly relevant to the work.
I'm also a strong proponent of raising the bar on professionalism in this industry, and this course does exactly that — well done.
Thanks again, Ron — looking forward to putting the CCRMC designation to good use.
Best,
Ian
Geoffrey Au CCRMC
Mortgage Agent Level 2
Pegasus Mortgage Lending Center Inc
CCRMC Certificate
7252-7043-0681
Throughout my career, I’ve always believed that being a mortgage professional means acting as a consultant first—putting the client’s best interests ahead of the transaction. The CCRMC program and its Code of Ethics really resonated with me and reinforced that approach.
With Canada’s aging population and the financial pressures many retirees are facing, I see more than ever how important it is to have the right education in this space. Reverse mortgages aren’t simple solutions—they require thoughtful analysis, good judgment, and a clear understanding of both the benefits and the alternatives. In my experience, clients are best served when they’re working with someone who specializes in this area.
I found the course to be practical, well-structured, and grounded in real-world, client-first advice. I’m confident the CCRMC designation will help raise the standard of care in our industry and build greater trust with consumers. Thank you for putting together such a meaningful and valuable program.
Dee Ann Marcoux CCRMC
Mortgage Broker
The Mortgage Advisors
CCRMC Certificate
8600-1287-3994
The CCRMC course provides a valuable overview of Canadian reverse mortgage solutions and the important role they can play in retirement planning for the right clients. I highly recommend it to real estate professionals, lawyers, and financial planners who want to expand their knowledge and better serve their clients through informed ,unbiassed advice.
Denis Kos CCRMC
Agent Level 2
Pegasus Mortgage Lending Center Inc.
CCRMC Certificate
6326-0619-2579
Navigating the senior demographic requires a high level of specialized knowledge, and the CCRMC program delivered exactly that. I feel fully equipped to provide exceptional value to my clients, and I highly recommend this course to anyone looking to break into this growing market successfully.
Denis Kos
Janet Hong CCRMC
CCRMC, AMP
First Rate Mortgage NL
CCRMC Certificate
1363-1914-0487
I loved the specifics and detail associated with this course. No wondering what clients need at this stage of life or mortgage needs, and in this economy so many 55+ clients are looking for solid solutions. I’m proud to be the first graduate from Nfld!
Terri-Lynn Bailey CCRMC
Mortgage Broker
TMG
CCRMC Certificate
8181-5409-4849
I found the reverse mortgage course to be informative, practical, and very well structured. It provided a much deeper understanding of how reverse mortgages can fit into a client’s overall retirement plan, while also emphasizing the importance of suitability, transparency, ethics, and informed decision making.
The real life case studies were especially valuable as they demonstrated how important it is to look beyond the product and consider each client’s full financial situation, long term goals, family circumstances, potential vulnerabilities, and desire to remain in their home.
Overall, the course strengthened my knowledge and gave me greater confidence in having balanced, thoughtful conversations with clients about both the benefits and the long term considerations of a reverse mortgage. I now feel better prepared to guide clients through these important decisions with professionalism, empathy, and integrity.
Sherri MacDonald
Mortgage Agent Level 1
Sherri Mortgages, Dreamwish Financial
CCRMC Certificate
0078-1771-5066
Completing the Certified Canadian Reverse Mortgage Consultant (CCRMC™) program has been one of the most valuable professional investments I’ve made. Reverse mortgages require a deep understanding of retirement income, home equity, estate planning, and the unique vulnerabilities clients may face as they age. This program strengthened my ability to guide clients with clarity, compassion, and a heightened standard of care — something I believe is essential in our industry.
As a mortgage agent, and someone who has spent decades helping Canadians make real‑life financial decisions, I appreciate how thorough, practical, and ethically grounded the CCRMC training is. It aligns perfectly with my commitment to protecting clients, educating families, and ensuring every recommendation supports long‑term well‑being.
I highly recommend the CCRMC designation to any mortgage professional who wants to elevate their expertise, strengthen client trust, and deliver advice that truly meets the needs of Canadians aged 55+. This program is not just a certification — it’s a tool that raises the bar for our entire industry.
Sherry Love
Mortgage Agent Level 2
TMG The Mortgage Group
CCRMC Certificate
ID: 6958-8072-5072
The course structure was extremely well laid out and easy to follow. Practical advice on how best to position a reverse mortgage for maximum success and customer satisfaction. Even if you have done reverse mortgages in the past, you want to take this course to better yourself for this fast growing market.
Bradley Boyce
Mortgage Agent
Sky Financial Corporation O/A The Mortgage Centre
CCRMC Certificate
1454-3312-1638
The Certified Canadian Reverse Mortgage Consultant (CCRMC) course provided practical, unbiased training that strengthened my understanding of reverse mortgages and the important role they can play in retirement planning. More importantly, it reinforced that reverse mortgages are just one of many financial solutions, and that every recommendation should be based on the client's individual needs and goals. I would recommend this course to any mortgage professional looking to better serve Canadians aged 55+.
Gregory Bruce Stanley
Mortgage Broker
Home N Work Mortgages Inc
CCRMC Certificate
3595-3789-1735
Throughout my career, I have believed that a mortgage professional should be a consultant first, always placing the client's best interests ahead of the transaction. The CCRMC program and its Code of Ethics reinforce that philosophy.
With Canada's aging population and the growing financial pressures faced by many retirees, specialized education has never been more important. Reverse mortgages require careful analysis, sound judgment, and a thorough understanding of both the benefits and the alternatives. In my view, older Canadians are best served by specialists rather than generalists.
The course was practical, comprehensive, and focused on responsible, client-first advice. I believe the CCRMC designation will help raise professional standards and increase consumer confidence in reverse mortgage specialists. Thank you for developing such a valuable program.
Doug Girvan
Mortgage Agent Level 2
Mission 35 Mortgages
CCRMC Certificate
ID: 6703-4942-2111
I just wanted to commend you for the CCRMC course. The strong emphasis on client suitability and attention to their needs and long term goals is central to the purpose we all strive to achieve. I was impressed with the material and was challenged to “up my game” with my Reverse Mortgage clients. I have specialized in Reverse Mortgages for the past 9 years and the CCRMC Course has challenged me to improve my initial interview process and reframe my response to objections and concerns from clients and family members.
Thank you!
Cory Byrne
Mortgage Broker
Real Mortgage Associates Inc. Lic# 10464
CCRMC Certificate
CCRMC-ON-10434
I have been a mortgage agent and then broker for over 25 years, have taken several courses and have never come across a course this impactful before. This course is so thoughtful that it actually caused me to pause, rewind and listen again to the content on more than one occasion . As I was going through the course, I kept thinking to myself, I need to be better, I need to rethink the way I work with my clients ...whether it is for a reverse mortgage or a regular mortgage. I consider myself to be very intentional, sympathetic, patient and concerned for my clients, no matter the situation they find themselves in, and yet this course sincerely made me question if I could be doing an even better job. It doesn't just teach you everything you need to know about reverse mortgages, and all the ways it could be useful to a borrower and their family, but it also teaches you to be kinder, gentler and more understanding with clients and presents a clear argument for why it is imperative to do so. This course doesn't just help you understand the mechanics of a reverse mortgage, it also helps you understand they type of client most likely to need a reverse mortgage, where they are coming from and how you can best help them with this chapter in their life. The Mortgage professionals who take this course will be remarkably more prepared to offer the best possible advice to a client looking for a revers mortgage compared to someone who is just winging it and has been to a product overview with a lender. If you are thinking about taking this course, all I can say is, take it. You will not only become a professional reverse mortgage specialist, you will become a better mortgage agent/broker when working on any deal, no matter the circumstances. I have taken so many courses over the years, this is the best one I have ever come across. I am so grateful to have come across it.
Philip Varughese
Mortgage Agent Level 2
Real Mortgage Associates
CCRMC
CCRMC-ON-10447
As a graduate of the Certified Canadian Reverse Mortgage Course (CCRMC), I can confidently attest to the exceptional value and quality of this program. It is one of the most comprehensive educational resources available to mortgage professionals who serve homeowners aged 55 and older.
The course provides an in-depth understanding of reverse mortgage products, client suitability assessments, regulatory considerations, and the ethical responsibilities associated with advising this unique demographic. The curriculum is thoughtfully designed, combining technical expertise with practical application to ensure participants are well equipped to guide clients through complex financial decisions.
Completing the CCRMC program has significantly enhanced my knowledge and professional confidence when discussing reverse mortgage solutions. It has strengthened my ability to assess client needs, present appropriate options, and support informed decision-making while maintaining the highest standards of integrity and client care.
I highly recommend the CCRMC course to mortgage agents and brokers seeking to expand their expertise in the 55+ homeowner market. The knowledge, skills, and professional insight gained through this program are invaluable and will undoubtedly contribute to better client outcomes and a higher standard of service within our industry.
Ramona Harris
Mortgage Agent L2
TMG The Mortgage Group
CCRMC Certificate
4534-6127-1868
Excellent course!
The content within each module was relevant and thought provoking. This course definitely provides a professional edge when it comes to client assessment and building professional alliances.
Highly recommended!
Dawn McDermott
Mortgage Agent Level 2
Pineapple Financial
CCRMC Certificate
CCRMC-ON-10442
Earning my Certified Canadian Reverse Mortgage Consultant (CCRMC) designation has been a rewarding experience. This specialized program has provided me with the deep knowledge and strategic tools necessary to truly elevate the level of service I provide to the 55+ demographic. Navigating home equity options in retirement requires an extra layer of trust and clarity, and this designation gives me the absolute confidence to guide my clients toward the right financial solutions for their futures.
Patricia O'Gilvie
Principal Broker
PMOMortgage.com Inc operating as Mortgage Alliance PMOMortgage.com
CCRMC Certificate
CCRMC-ON-10445
I am pleased to share that I have successfully completed the Certified Canadian Reverse Mortgage Consultant (CCRMC) designation.
As Canada’s population ages, reverse mortgages are becoming an essential tool for homeowners seeking financial flexibility in retirement.
These decisions can meaningfully affect retirement income, housing security, and long‑term financial outcomes, underscoring the importance of proper education and expertise.
The CCRMC program delivers a practical framework for improving suitability, evaluating alternatives, and guiding clients through complex financial decisions with professionalism.
My sincere thanks to everyone who contributed to the development and delivery of the CCRMC program.
Didar Sehra
Principal Broker
iLend Capital
CCRMC Certificate
CCRMC-ON-10438
really enjoyed the course. I found it very informative and well presented .
Alessandra DiStefano
Mortgage Agent Level 2
Real Mortgage Associates Inc.
CCRMC Certificate
CCRMC-ON-10433
This CCRMC course fills a much needed gap in our industry. Reverse mortgages are our most delicate transactions and are required to be handled gently and with grace. This course helps to protect our most vulnerable borrowers from all angles during the process. I found so much value in this course and I feel more confident than I did before in helping seniors determine if a reverse mortgage is the right path.
Lori Hinks
Mortgage Broker
Real Mortgage Associates Inc.
CCRMC Certificate
CCRMC-ON-10441
I have been doing Reverse Mortgages for a number of years and am very familiar with the products. The facts were covered accurately and in an easily understood way. More importantly this course outlined and emphasized the approach that Consultants should take with clients to ensure understanding and proper consideration of the full financial picture for each client. Consultants have a huge responsibility in ensuring a Reverse Mortgage is a good fit for the client now and in the future and they fully understand the product.
Arlen Ekstein
VP- Sales & Marketing
Tembo Financial Inc Lic #12598
CCRMC Certificate
CCRMC-ON-10439
As a graduate of the CCRMC course, I can confidently say it is one of the most valuable educational programs available for mortgage professionals working with homeowners aged 55 and older. The course provides a comprehensive understanding of reverse mortgages, including product knowledge, client suitability considerations, and the ethical standards required when serving this unique demographic.
The content is insightful, practical, and highly relevant to today's market. It has given me greater confidence when discussing reverse mortgage solutions and helping clients make informed decisions.
I would strongly recommend the CCRMC course to any mortgage agent or broker who works with 55+ homeowners or is considering incorporating reverse mortgages into their practice. The knowledge gained through this program is invaluable and will help you better serve your clients while maintaining the highest level of professionalism and care.
Bethany Gradwell
Mortgage Broker
Real Mortgage Associates Inc.
CCRMC Certificate
CCRMC-ON-10437
Although I’ve helped clients with reverse mortgages in the past, I always felt like I lacked the confidence to fully address their concerns and ease their anxieties as they explored this option.
When I saw Ron announce this course, I knew I had to take it. I wanted to deepen my knowledge and build the confidence needed to better serve my clients.
As more Canadians head into retirement with mortgage debt and incomes that haven’t kept pace with inflation, I believe reverse mortgages can be an excellent solution for many retirees who want to maintain their lifestyle and enjoy their retirement years.
I’m grateful for everything I learned through this course. I now feel equipped with the knowledge, skills, and understanding to confidently guide my clients and be a trusted resource when reverse mortgage conversations arise.
Nicole Andrews
Mortgage Agent | Level 2
BRX Mortgage
CCRMC Certificate
CCRMC-ON-10436
Happy to announce that I completed the knowledge test for CCRMC accreditation.
50 multiple choice Q's. I got 3 wrong, I am annoyed with myself for not paying closer attention & for skimming through too quickly. The course was very good. Thank you to Ron and the team at CCRMC.ca
Paul Traptow
Mortgage Professional
DLC Mortgage Connection
CCRMC Certificate
CCRMC-AB-30501
The Certified Canadian Reverse Mortgage Consultant (CCRMC) course was excellent. The training was clear, informative, and highly relevant to today's mortgage market. I have been involved in the Reverse Mortgage market as a broker and BDM for over 15 years. There are valuable insights into reverse mortgages that provides me the knowledge, tools and resources to better serve clients and other professionals. The information and training is the best in the market. The knowledge and skills will set you apart from other brokers. I highly recommend this course to any mortgage professional looking to expand their expertise.
Alex Pecinov
Agent Level 2
TMG The Mortgage Group
CCRMC Certificate
CCRMC-ON-10430
The course was extremely informative and well thought out. It taught me things about reverse mortgages that I never really considered outside of the scope of the stereotypical. “ senior citizen bailout “ such as upper class seniors leveraging the product as a toolbox in their investment/tax strategy. It helped provide me with the tools necessary to be an ADVISOR instead of a salesman. Which ironically will help me find more opportunities by understanding the different synergies amongst the different levels of senior citizen in different stages of their life and financial position..
David Yuzpe
Mortgage Broker
Real Mortgage Associates Inc.
CCRMC Certificate
CCRMC-ON-10429
With the population aging and more people looking to age in place, there was / is, a tremendous need for a true training and accreditation program in the reverse mortgage space.
My Reverse mortgage volume has been increasing 100% per year over the last couple of years. When
CCRMC certification arrived, I jumped at the opportunity to once again grow as a broker, trusted advisor, and mentor. The program is direct, concise, and reaches into the soul of our aging population and the brokers trusted to guide them to the correct solution.
Bravo to the CCRMC team, and for affording me the opportunity to become part of a group of wonderful, caring and distinguished brokers. 5 Stars
Aldo Mormile
Senior Mortgage Agent Level 2
Real Mortgage Associates Inc.
CCRMC Certificate
CCRMC-ON-10428
I had the opportunity to complete the CCRMC Certification Training Program, and I found the course to be very well structured and highly informative.
One of the key strengths of the course was its emphasis on understanding that a reverse mortgage is not simply a financial product, but rather a solution that must be carefully evaluated within the context of a client’s overall goals, needs, and circumstances.
I would strongly recommend the CCRMC program to mortgage brokers and agents, particularly those with extensive industry experience
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