Company: FOACW
Filing Date: 2025-04-08
Form Type: 424B3
Source: 0001628280-25-017061
Chunk: 4

Company: Finance of America Companies Inc.
Filing Date: 2025-04-08
Form: 424B3
Chunk 4
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 or other governmental entities;

• our ability to obtain sufficient capital and liquidity to meet the financing and operational requirements of our business and our ability to comply with our debt agreements, including warehouse lending facilities, and pay down our substantial debt;

• our ability to repay or refinance our debt on reasonable terms as it becomes due;

• our ability to manage disruptions in the secondary home loan market, including the mortgage-backed securities market;

• our ability to finance and recover costs of our reverse mortgage servicing operations;

• our ability to maintain compliance with the extensive regulations we are subject to, including consumer protection laws applicable to reverse mortgage lenders, which may be highly complex;

• our ability to compete with national banks, which are not subject to state licensing and operational requirements;

• our ability to manage various legal proceedings, federal or state governmental examinations, and enforcement investigations we are subject to from time to time, the results of which are difficult to predict or estimate;

• our continued ability to remain in compliance with the terms of the consent orders issued by the Consumer Financial Protection Bureau, which we assumed in connection with our acquisition of operational assets from American Advisors Group;

• our holding company status and dependency on distributions from FOA Equity;

• our ability to comply with the continued listing standards of the NYSE;

• our common stock trading history has been characterized by low trading volume, which may result in an inability to sell your shares at a desired price, if at all; and

• our “controlled company” status under NYSE rules, which exempts us from certain corporate governance requirements and affords stockholders fewer protections.

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### THE COMPANY
Finance of America Companies Inc. is a financial services holding company which, through its operating subsidiaries, is a leading provider of home equity-based financing solutions for a modern retirement. In addition, FOA offers capital markets and portfolio management capabilities primarily to optimize the distribution of its originated loans to investors.

For a description of our business, financial condition, results of operations and other important information regarding the Company, we refer you to our filings with the SEC incorporated by reference in this prospectus. See “Where You Can Find More Information” and “Information Incorporated By Reference.”

#### Additional Information
Finance of America Companies Inc. was incorporated in Delaware on October 9, 2020 and became a publicly-traded company on NYSE in April 2021, with trading beginning on April 5, 2021 under the ticker symbol “FOA.” Our principal executive office is located at 5830