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A new season of financial possibilities starts here

For over 20 years, Finance of America has offered homeowners a better way to access home equity with reverse mortgage loans that don’t add monthly mortgage payments.1

Access cash without refinancing

Tap into your home equity. No refinancing or traditional HELOC required.
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1The borrower must meet all loan obligations, including living in the property as the principal residence and paying property charges, including property taxes, fees, hazard insurance. The borrower must maintain the home. If the homeowner does not meet these loan obligations, then the loan will need to be repaid.

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See how much cash you could get from your home

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Better Business Bureau®
A+ rated and accredited

4.7 Stars by
verified customers2

Bankrate

Best Reverse
Mortgage Lender3

Money logo

Best Reverse Mortgage
Companies 20254

They found a better way, and so can you

Thousands of homeowners have trusted our suite of home equity solutions to find peace, stability, and happiness in retirement.

See their stories

Finance of America Reverse LLC borrowers have been compensated for their participation. Their statements are their own.

Craig

Finance of America customer

Dennie & Hassan

Finance of America customers

Two decades of helping homeowners thrive

Helping homeowners nationwide make home upgrades and enjoy retirement with simple, stress-free guidance every step of the way.

February 16, 2026

A great option to stay in your home

Staff really cared about the customer and the work they do. They made the process easy. If you have to sell and move, this could be a way to stay in your home. It is a great solution for us.

February 11, 2026

The loan officer was extremely helpful…

The loan officer was extremely helpful and very supportive throughout the entire procedure. The entire process only took a little over a month from start to finish.

February 10, 2026

I was up against an extremely tight deadline…

I was up against an extremely tight deadline and had already been rejected by multiple lenders, so I was feeling pretty discouraged. Filipp stepped in and completely turned things around. He was incredibly resourceful, highly responsive, and truly took charge of the process from start to finish.

February 8, 2026

The whole process was explained from…

The whole process was explained from all aspects. What the pros and cons are and how we would benefit from a reverse mortgage. Jason kept us informed from start to the end of closing. Jason answered all of our questions no matter how many times we ask the same thing.

February 5, 2026

Great customer service and professional…

Great customer service and professional guidance with the highest integrity! You can trust this organization to help with financial goals.

February 2, 2026

They jumped through hoops

They jumped through hoops and bent over backwards to get this done. Another reverse mortgage company spent months and could not follow through. Thank you Kevin at Finance of America.

February 1, 2026

Our Loan Officer was great

Our Loan Officer, Angelica, was great. Personable and caring. She helped us navigate the process with ease. Support team was also good. The communication and updates were phenomenal. This says a lot in today’s world where customer service seems to have fallen by the way side. Thank you for the great service!

January 27, 2026

My finance advisor pulled it all together

My finance advisor was there for me all the time. When I reached out and left a message she got back to me in a very short time. She pulled everything together to make my loan go as smoothly and quickly as possible.

January 22, 2026

What a wonderful experience

What a wonderful experience. Nothing like I thought it would be. Everyone was so nice and professional. I didn’t have to lift a finger. All contacts and referrals were made for me. The loan came fast directly into my account. Can’t say enough how pleased I am.

5-star reviews selected from Trustpilot. To see all reviews go to TrustPilot.com.

Frequently asked questions

With a reverse mortgage, you — not the lender, own and control your home. You can’t be kicked out so long as you uphold the terms of the loan.* As with a traditional forward mortgage, the lender simply puts a lien on the property to ensure the loan will be repaid. Learn More

*The right to remain in the home is contingent on paying property taxes and homeowner’s insurance, maintaining the home, and complying with the loan terms.

No. A reverse mortgage is a “non-recourse” loan, which means that if you default on the loan, or if the loan cannot otherwise be repaid, the lender can only enforce the debt through the sale of the property and cannot look to your other assets (or your estate’s assets) to meet any outstanding balance. If the loan balance is higher than the home’s value, your heirs will not be responsible for paying the difference when the home is sold to repay the balance. Learn More
To be eligible for a reverse mortgage, you typically need to be a homeowner 62+. However, Finance of America also has an exclusive range of reverse mortgage options available in many states to homeowners 55+. In addition to meeting the age requirement, you’ll need about 50% equity in the home to qualify. You’ll also need to undergo a financial assessment to help determine your ability to meet the terms of the loan. Learn More
A reverse mortgage loan ends when the last borrower passes away or otherwise leaves the home. At this time, the loan principal and all accrued interest must be repaid. You or your heirs will have the option to repay the balance through the sale of the home or by paying off the mortgage balance with other funds. If the loan balance exceeds the home’s value, you or your heirs can also sign over the home’s title to the lender and walk away. Learn More
The largest misconception around reverse mortgages is that they’re dangerous. The truth is that these products are highly regulated by the US government and come with strict consumer protections that make today’s loans safer than ever. Key safeguards include, max claim limits on reverse mortgage products, required financial assessments to ensure borrowers are financially capable of taking on the loan, and required counseling with an independent, HUD-approved counselor to help borrowers make an informed decision.
Apart from mandatory reverse mortgage counseling costs and FHA insurance (on certain loans only), the fees for a reverse mortgage are generally the same as those for a traditional forward mortgage. It’s also important to remember that with a reverse mortgage, most fees are added to the loan balance, which means you pay little out-of-pocket upfront. Learn More
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Important legal disclaimers

1The borrower must meet all loan obligations, including living in the property as the principal residence and paying property charges, including property taxes, fees, and hazard insurance. The borrower must maintain the home. If the homeowner does not meet these loan obligations, then the loan will need to be repaid.

2As of March 2026. Rating based on verified reviews from Trustpilot.com.

3Finance of America is listed as Best Reverse Mortgage Lender by Bankrate in Best reverse mortgage lenders in 2025.

4Finance of America is listed as Best Reverse Mortgage Companies by money.com in Finance of America Reverse Mortgages Review. Finance of America is a paid advertiser with money.com.