Use your home’s equity to address high-interest credit cards, car loans, and personal debt. Replace multiple payments1 with zero monthly payments2 and enjoy financial freedom for years to come.
Excellent 4.7 out of 5 stars3
2The 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.
Break free from high-interest debt and the weight of monthly payments. Use a reverse mortgage to tap into your home equity and create lasting financial relief without giving up the home you love.
Stop worrying about multiple due dates and high interest charges. Enjoy peace of mind in retirement.
Replace multiple high-interest payments1 with zero monthly payments. Keep that money in your pocket.
Unlike selling your home, and similar to a home equity loan, you keep ownership and remain comfortably in place.
2The 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.
Helping homeowners nationwide address high-interest debt and enjoy retirement with simple, stress-free guidance every step of the way.
August 5, 2025
All options were explained clearly and concisely making the entire process quite easy from our end. I highly recommend requesting Brittany Hodge as your servicer as she is outstanding and moved things along VERY quickly.
August 3, 2025
The loan officer who guided me through the process was the most important element in this loan. We develop trust in each other. This was the second time I have had a reverse mortgage. I closed one out about ten years ago when I lived in a different state. I was already somewhat educated in the process but was blown away by the service I received.
August 3, 2025
The customer service provided was exceptional. Paul Jervis explained the procedures of my reverse mortgage every step of the way. He answered any questions I had and always responded to my phone calls or emails. I am very pleased that I chose Finance of America for a reverse mortgage.
July 29, 2025
Our agent was so helpful in explaining everything about the process. At our age and with our home being paid off it was the right decision to go forward to help us stay in our home which we have lived in for over 50 years. The process was smooth and everything explained along the way. We are thrilled with the decision and deciding on Finance of America.
July 28, 2025
They are so understanding and helpful explaining the whole process in detail. Alexis is the best! He never gave up on me, I had a few problems with family and he totally understood. Cassidy and Kathy were wonderful as well I can’t say one bad thing about anyone. I would recommend this Company to everyone.
July 24, 2025
Todd was especially helpful in explaining the details. It was also nice to have the informative class that was required before jumping into this without, knowing the facts. Made the experience comfortable without worry. All people involved were competent, and able to answer my questions, to make sure I was comfortable with the loan.
July 24, 2025
Communication with Finance of America was great. We were informed at every aspect of the transaction so that it went smoothly and as expected. There were no unexpected delays. We highly recommend them should other seniors want to pursue a reverse mortgage.
July 22, 2025
From the first contact to the final process the friendliness and support the staff offered was great the follow up was there everything was well explained the company sending people to inspect and finalize the process was great and the timeline great
July 17, 2025
Having spoken to 2 family members and a dear friend who had taken advantage of the plan. They both were satisfied. We needed to be assured at our ages that we could remain in our home and not worry about a mortgage each month. Our Loan officer was very patient and knowledgeable.
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 customers3
Best Reverse
Mortgage Lender5
Best Reverse Mortgage
Companies 20256
You can use your funds virtually however you choose. Whether planning ahead or catching up, a reverse mortgage could help ease financial stress. Here are some popular ways to put your equity to work:
Eliminate your existing monthly mortgage payment2 to increase your cash flow and put more money in your pocket each month.
Instead of draining your savings, you can use the equity to help pay for ongoing medical expenses and in-home caretakers.
Help a loved one with college tuition, a down payment, or other important milestones.
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.
2The 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.
A reverse mortgage is a loan that converts a portion of home equity into cash without required monthly mortgage payments.2 For eligible homeowners 55+7, it can be a strategic tool for creating financial flexibility and accomplishing the goals that matter most.
2The 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.
Your existing debts can be addressed as you see fit using the proceeds from your reverse mortgage. This eliminates all those monthly payments and high interest charges, giving you immediate financial relief*.
*The loan must be repaid in the event of default of any of the loan obligations, or when the last surviving borrower or spouse passes away.
No, reverse mortgages don’t require monthly mortgage payments. You’ll still be responsible for property taxes, homeowners insurance, and maintaining your home, but you won’t have a monthly mortgage payment or any of your previous debt payments (if you’ve paid off debt in full.)*
*The loan must be repaid in the event of default of any of the loan obligations, or when the last surviving borrower or spouse passes away.
The amount depends on your age, home value, and current interest rates. Most homeowners aged 62+ can access 40-60% of their home’s value. If you have $300,000 in home equity, you might be able to access $120,000-$180,000* to pay off higher-interest debt.
*Loan proceeds vary by product type and state, with some states requiring a minimum loan amount.
Important legal disclaimers
1Refinancing may increase the length of your loan, the principal balance of your loan, and the total amount of interest you pay over the life of your loan.
2The 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.
3As of September 2025. Rating based on verified reviews from Trustpilot.com.
4The 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.
5Finance of America is listed as Best Reverse Mortgage Lender by Bankrate in Best reverse mortgage lenders in 2025.
6Finance 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.
7Minimum 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.
Call us at (877) 632-1183 or fill out the form below to connect with a licensed reverse mortgage specialist. Receive a no-obligation estimate, and explore your options with someone who understands your specific situation.
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