Company: FOACW
Filing Date: 2025-04-08
Form Type: 424B3
Source: 0001628280-25-017061
Chunk: 3

Company: Finance of America Companies Inc.
Filing Date: 2025-04-08
Form: 424B3
Chunk 3
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 included herein, the inclusion of such information should not be regarded as a representation by us or any other person that the results or conditions described in such statements or our objectives and plans will be achieved. The Company cautions readers not to place undue reliance upon any forward-looking statements, which are current only as of the date of this prospectus. We undertake no obligation to publicly update or review any forward-looking statements, whether as a result of new information, future developments, or otherwise, except as required by law.

A summary of principal factors that create risk in investing in our securities and might cause actual results to differ from projections made in forward-looking statements is set forth below. In addition to the other information in this prospectus, the following risk factors should be considered carefully in evaluating the Company and our business:

• the timing and manner of sale by the selling stockholders;

• our ability to (1) expand our customer base and acquire and originate reverse mortgage loans efficiently while maintaining loan origination quality, (2) finance our reverse mortgage portfolio, and (3) profitably securitize or otherwise monetize our reverse mortgage portfolio, all of which will in turn depend upon our ability to manage the unique challenges presented by operating as a unified modern retirement solutions platform;

• our ability to realize the anticipated benefits of the efforts we have undertaken to transition to a unified lending platform and to streamline and enhance our marketing and originations operations and digital capabilities and generally, our ability to operate our business profitably;

• our ability to respond to significant changes in prevailing interest rates and to maintain profitable business operations;

• our geographic market concentration if the economic conditions in our current markets should decline or if our current markets are impacted by natural disasters;

• our ability to achieve anticipated returns from our capital investments in technology;

• our use of estimates in measuring or determining the fair value of the majority of our assets and liabilities, which may require us to write down the value of these assets or write up the value of these liabilities if the estimates prove to be incorrect;

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• our ability to prevent cyber intrusions and mitigate cyber risks;

• our Company may be adversely affected by the condition of the U.S. residential mortgage market and other economic, political, business, and/or competitive factors in our business markets and worldwide financial markets, including a sustained period of higher interest rates;

• our ability to manage changes in our licensing status, business relationships, or servicing guidelines with the Government National Mortgage Association, the United States Department of Housing and Urban Development,