With high market prices for homes, for many elderly Canadians, the most important source of retirement income will be the equity they have in their homes. A ______________ is a secured loan that allows older Canadians to generate income using the equity in their homes without having to sell this asset and in many cases, the mortgage does not have to be paid back until the death of the borrower.

1. Mortgage Term

2. Mortgage-Backed Security

3. Reverse Mortgage

4. Conventional Mortgage

5. Mortgage Stress Test