Today’s reverse mortgage options are built for modern retirement planning—eliminating monthly mortgage payments¹ and improving cash flow.
Excellent 4.7 out of 5 stars2
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.
For many, a reverse mortgage is now part of a proactive financial strategy—helping reduce monthly obligations, improve cash flow, and support long-term independence.
Without monthly mortgage payments, you can put that money toward healthcare, travel, or family.
Keep the life you’ve built exactly where it is, surrounded by the memories and comfort you’ve built over the years.
Stay in control of your lifestyle and financial decisions—on your terms, now and in the years ahead.
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.
³The 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.
For over 20 years, we’ve helped homeowners nationwide access home equity and enjoy retirement with simple, stress-free guidance every step of the way.
January 2, 2026
We had expert help on our reverse mortgage. With a counseling appt. to help make our decision. It may not be a good choice for some folks, but it works well for us. Everyone we worked with was kind and helpful.
December 28, 2025
The assigned loan advisor and his assistant were very thorough in explaining the entire loan process. They were committed to providing the best service in a timely manner. I trusted them completely.
December 24, 2025
They made you feel like you were an individual that they were trying their best to help and not just another number. The process was very straightforward and they kept us informed at every step of the way.
December 23, 2025
Our contact person kept us informed of every step in the loan process. She was extremely professional, but more than that, sweet and caring about our feelings and needs.
December 23, 2025
The online process was easy to follow. Any questions that I had were quickly answered by Mark our contact. From application to closing only took one month. I suggest asking what is required at closing to facilitate electronic transfer of funds.
December 15, 2025
The whole refi process was made so easy and uncomplicated by your company and specifically, our representative, Robert. I appreciate all of you who worked to make the process as painless as possible. Happy Holidays to you all!
December 9, 2025
Jared and his team kept us informed during the entire process. If we had questions they were answered and during our counseling session we got all the questions so we had a positive experience with finance of America.
December 9, 2025
This loan was put together quickly, with little problems. Susan and Tiffany were easy to work with and closing went smoothly. I would recommend Finance of America to anyone interested in a reverse mortgage.
December 2, 2025
Everything was great. Suzanne was very professional. Answered all my questions . She was so helpful. I applied to another reverse mortgage company and it was a nightmare. I highly recommend FOA.
5-star reviews selected from Trustpilot. To see all reviews go to TrustPilot.com
Better Business Bureau®
A+ rated and accredited
4.7 Stars by
verified customers²
Best Reverse
Mortgage Lender⁴
Best Reverse Mortgage
Companies 2025⁵
You can use your funds virtually however you choose. Whether planning ahead or catching up, the modern reverse mortgage could help ease financial stress. Here are some popular ways to put your equity to work:
Eliminate your existing monthly mortgage payment¹ and increase your cash flow by converting your home’s equity into cash.
Instead of draining your savings, you can use the equity to help pay for ongoing medical expenses and in-home caretakers.
Address higher-interest debt like credit cards, auto loans, and personal loans—to reduce monthly payments and create financial breathing room.
Prepare for unexpected expenses and emergencies, and enjoy greater peace of mind.
Pay for renovations or repairs to make your home safer, more enjoyable, and better for your lifestyle.
Give yourself the financial flexibility to work less, live more, and start truly enjoying retirement.
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.
While the concept may sound familiar, the structure, safeguards, and flexibility have changed significantly. For eligible homeowners 55+⁶, it can be a strategic tool for creating financial flexibility and accomplishing the goals that matter most.
Your existing mortgage will be paid off completely with proceeds from the reverse mortgage as a requirement of the loan. This eliminates your monthly mortgage payments*, freeing up that money for other needs like home upgrades, medical expenses or helping loved ones financially.
*The 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.
For starters, you’ll typically need to be a homeowner age 62 or older. However, Finance of America also offers exclusive options in certain states for homeowners as young as 55*. You’ll generally need about 50% equity in your home and must complete a financial assessment to ensure you can meet the loan’s terms. Additional requirements apply—speak with a loan officer for the complete list.
*For certain HomeSafe products only, excluding Massachusetts, New York, and Washington, where the minimum age is 60, and North Carolina and Texas where the minimum age is 62.
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, 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 January 2026. Rating based on verified reviews from Trustpilot.com.
³The 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.
⁴Finance of America is listed as Best Reverse Mortgage Lender by Bankrate in Best reverse mortgage lenders in 2025.
⁵Finance 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.
⁶Minimum age requirements vary by state and loan type. 62 is the minimum age for a HECM. Certain proprietary products have minimum ages as low as 55.
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