Mortgage Expert! - FAST APPROVAL - CHEAPEST RATE AVAILABLE - HONEST, PROFESSIONAL, FRIENDLY SERVICE Here are some of the ways I can help you. Mortgage Refinance: A mortgage Refinance, is when you break your current mortgage and replace it with a new mortgage. Usually this is accomplished when you need additional funds Home Equity Loan: A home equity loan is a way for you to leverage your investment in your home. Reverse Mortgage: Many Canadians consider this option for home improvement projects, down payment assistance, etc. All with no monthly mortgage payments Second Mortgages: A second mortgage is a loan that is secured by your home equity.