With a reverse mortgage, your home equity could help you create the safe, comfortable, and accessible home you’ve always wanted. Fund essential improvements and dream upgrades—all while staying in your home.1
Excellent 4.7 out of 5 stars2
1The 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.
You’ve worked hard to build equity—now enjoy the results. Use a reverse mortgage to fund upgrades like HVAC, landscaping, energy-efficient windows and doors, new additions, and more.
From leaky roofs to outdated kitchens and wrap-around porches, no home upgrade is out of reach.
Unlike home equity loans or personal loans, you won’t have additional monthly payments to worry about.
Many improvements add value to your home while making it more enjoyable and functional for you.
3The 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 make home upgrades 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 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, a reverse mortgage could help ease financial stress. Here are some popular ways to put your equity to work:
Eliminate your existing monthly mortgage payment3 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.
Address higher-interest consumer debt, like credit cards, and create financial breathing room.
Prepare for unexpected expenses and emergencies, and enjoy greater peace of mind.
Help a loved one with college tuition, a down payment, or other important milestones.
Give yourself the financial flexibility to work less, live more, and start truly enjoying retirement.
3The 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 payments.3 For eligible homeowners 55+6, it can be a strategic tool for creating financial flexibility and accomplishing the goals that matter most.
3The 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.
The amount depends on your age, home value and location, current interest rates, and any existing mortgage balance. Most homeowners can access 40-60% of their home’s value, which often provides substantial funding for home improvement projects ranging from $10,000* to $200,000 or more.
*Loan proceeds vary by product type and state, with some states requiring a minimum loan amount.
No, you don’t need to complete improvements before closing*. You can plan your projects, get estimates, and then access the funds after your reverse mortgage closes. Many customers prefer to have their plans ready so they can start work immediately.
*In some cases, safety or property use issues must be remediated before a qualifying appraisal can be obtained.
Important legal disclaimers
1The 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.
2As of September 2025. Rating based on verified reviews from Trustpilot.com.
3The 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.
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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