Company: FOACW
Filing Date: 2025-04-08
Form Type: 424B3
Source: 0001628280-25-017061
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Company: Finance of America Companies Inc.
Filing Date: 2025-04-08
Form: 424B3
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#### Filed Pursuant to Rule 424(b)(3)

#### Registration Statement No: 333-285840

#### PROSPECTUS

#### 5,337,928 Shares of Class A Common Stock
This prospectus relates to the offer and sale, from time to time, of an aggregate of up to 5,337,928 shares of the Class A common stock, par value $0.0001 per share (“Class A Common Stock”), of Finance of America Companies Inc. (the “Company”), by the selling stockholders named herein, which shares are issuable upon the exchange of the 10.000% Exchangeable Senior Secured Notes due 2029 (the “Notes”) issued by Finance of America Funding LLC (“FOA Funding”).

For more information about the selling stockholders and the related transactions, see the section entitled “ Selling Stockholders ” on page 5 of this prospectus.

We are not selling any shares under this prospectus and will not receive any proceeds from the sale of shares of Class A Common Stock by the selling stockholders pursuant to this prospectus.

Our registration of the securities covered by this prospectus does not mean that the selling stockholders will offer or sell any of the shares. The selling stockholders may sell the shares of Class A Common Stock covered by this prospectus in a number of different ways and at varying prices. We provide more information about how the selling stockholders may sell the shares in the section entitled “Plan of Distribution.”

Our Class A Common Stock is listed on the New York Stock Exchange (NYSE), under the symbol “FOA.” On April 4, 2025, the closing price of our Class A Common Stock was $19.36 per share.

#### See the section entitled “

#### Risk Factors

#### ” beginning on page

#### 5
of this prospectus to read about factors you should consider before buying our securities.

Neither the Securities and Exchange Commission nor any regulatory body has approved or disapproved of these securities or passed upon the accuracy or adequacy of this prospectus. Any representation to the contrary is a criminal offense.

#### The date of this prospectus is April 7, 2025

### TABLE OF CONTENTS
|                                                      |     | Page |
| About This Prospectus                                |     |    1 |
| Cautionary Note Regarding Forward-Looking Statements |     |    2 |
| The Company                                          |     |    4 |
| Risk Factors                                         |     |    5 |