Reverse Mortgage review · Updated October 2026

Finance of America Review (2026)

Reverse mortgages available nationwide.

Reviewed by our editorial team · How we rank · Advertising disclosure

The short version

A wide product lineup, including options for higher-value homes. On our reverse mortgage comparison, it's labeled Best overall.

Key facts

ProgramsHECM, proprietary, second lien
Max loan$4 million
Minimum age62 (55 proprietary)
States50 + D.C.

What stands out

  • HECM and proprietary (jumbo) reverse mortgages
  • Proprietary loans up to $4 million
  • Available in all 50 states and D.C.

Pros and cons

Pros

  • Broad product lineup
  • Nationwide

Cons

  • Fees vary by product

How Finance of America compares

Side-by-side comparison

Finance of America
Longbridge Financial
Fairway Independent Mortgage
Trustpilot rating
4.7
Trustpilot · 7,362 reviews
4.8
Trustpilot · 1,328 reviews
–
ProgramsHECM, proprietary, second lienHECM, HECM for purchase, proprietaryHECM, HECM for purchase, proprietary
Max loan$4 million$4 million$4 million
Minimum age62 (55 proprietary)62 (55 proprietary)62
States50 + D.C.50 + D.C.50
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Head-to-head comparisons

Alternatives to consider

What to check before you sign up

Whichever reverse mortgage provider you choose, compare these points:

  • Program type. Most reverse mortgages are federally insured HECMs. Proprietary loans exist for higher-value homes.
  • How you receive money. Choose a lump sum, monthly payments, a line of credit or a mix. A line of credit's unused portion can grow over time.
  • Upfront and ongoing fees. Expect origination fees, mortgage insurance premiums and closing costs. Compare lender quotes line by line.
  • What you must keep paying. You must live in the home and keep up property taxes, insurance and maintenance, or the loan can come due.

Reverse mortgages are loans that must be repaid. The Top 10 Experts is not a lender and does not make credit decisions.

See reverse mortgage providers that serve your ZIP code.

Compare Reverse Mortgage

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