Joel Garcia Jr. NMLS # 1840154
Mortgage Loan Originator Sponsored by Finance of A...
As an industry-leading reverse mortgage lender, we bring a proven track record of never taking our customer’s trust for granted. With our recent acquisition of certain assets of American Advisors Group (AAG), we brought the industry’s top r... Show More
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9 AM to 5 PM
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Joel, has a great friendly personality, at the same time he follows lending procedures to complete the process. I would highly recommend FOA, for anyone in the market for a Reverse Mortgage. Joel is credit to FOA.
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Reply from Joel Garcia NMLS # 1840154
May 6th, 2026 05:55 PM
RONALD, I'm grateful for your kind words and recommendation. It's good to know that my approach made a positive impact on your experience with Finance Of America. If you need any further assistance, I'm here to help.
Very quick and very helpful
Reply from Joel Garcia NMLS # 1840154
May 6th, 2026 05:55 PM
Thank you for your kind words. I'm glad I could assist you quickly and effectively. Should you ever need anything else in the future please feel free to reach out!
The Process was easy and was clearly explained. The decision to do a reverse mortgage worked for me with Finance of America.
Reply from Joel Garcia NMLS # 1840154
May 6th, 2026 05:54 PM
I'm glad to hear that the process was easy and clearly explained, Richard. It's great to know that the reverse mortgage decision worked out well for you with Finance of America. Thank you for sharing your positive experience!
Joel Garcia was extremely helpful through this entire process. He was always willing and happy to answer all my questions and take my calls in the early evenings (after business hours). That was especially impressive and very helpful. Overall,...
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Reply from Joel Garcia NMLS # 1840154
May 6th, 2026 05:54 PM
I'm grateful for your kind words, Wilhelmina. I'm pleased to hear that you found the process easy and that my assistance met your needs, especially during the evenings. If you have any further questions or need assistance in the future, please...
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Joel Garcia and everyone we worked with... Deborah with Credit.org, Dan Clora with DC Valuation Services and Melissa Yoho our Processor were excellent!
Reply from Joel Garcia NMLS # 1840154
May 6th, 2026 05:54 PM
Bradley, thank you for taking the time to share your experience. I'm pleased to hear that you had a positive interaction with everyone involved. If you ever need assistance in the future, please feel free to reach out.
Getting a reverse mortgage can feel overwhelming , especially since I am not very computer savvy,but my Mortgage loan officer(Joel Garcia)made the entire process smooth and stress-free.He was always willing to help, answered every question...
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Reply from Joel Garcia NMLS # 1840154
January 24th, 2026 05:26 PM
Ray, I'm grateful for your kind words and the trust you've placed in me to assist with your reverse mortgage. It's important to me that the process was smooth and stress-free for you. I'm always here to answer any questions or provide further...
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The overall experience and attention we received.
Reply from Joel Garcia NMLS # 1840154
January 22nd, 2026 04:51 PM
I'm glad to hear you had a positive overall experience, Gandy. If there's anything you'd like to discuss further or any way I can assist you, feel free to reach out. Your feedback is appreciated.
Firer the underwright
Reply from Joel Garcia NMLS # 1840154
January 21st, 2026 08:38 PM
I'm grateful for your positive rating, Arthur. Thank you for taking the time to share it. If there's anything you'd like to discuss or more I can assist you with, please feel free to reach out.
Joel was very attentive and communicative we were always updated on information regarding our financial situation . We are thankful we found FOA .
Reply from Joel Garcia
January 21st, 2026 08:38 PM
I'm grateful for your kind words, Rochelle. Keeping you informed and ensuring you felt supported was my priority throughout the process. If there's anything more I can assist with, please don't hesitate to reach out. Wishing you all the best!...
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The closing of the loan was timely before going on vacation.
Reply from Joel Garcia
January 6th, 2026 12:33 AM
It's great to know the loan closing was prompt before your vacation. I hope everything went smoothly. If you have any further questions or need assistance, feel free to reach out.
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About
As an industry-leading reverse mortgage lender, we bring a proven track record of never taking our customer’s trust for granted. With our recent acquisition of certain assets of American Advisors Group (AAG), we brought the industry’s top retail and wholesale platforms under one roof, firmly establishing Finance of America as the undisputed industry leader.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Mortgage Refinance
Fixed Rate Mortgages
Adjustable Rate Mortgages
Reverse Loans
Second Mortgages-Bank Statement
Interest-Only Mortgages
Cash-Out Refinances
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Time Zone
Pacific Standard Time (PST)
Licenses
- AZ,CA,FL,LA,NC,NV,NY,OK,TX,WA
- NMLS # 1840154
- AZ License/Registration #: 1000784
Disclaimer
These materials are not from HUD or FHA and were not approved by HUD or a
government agency.
Finance of America Reverse LLC is Licensed Mortgage Banker in the State of New
York, but this site is not authorized by the New York State Department of Financial
Services. No mortgage solicitation activity or loan applications for properties located in
the State of New York can be facilitated through this site
Finance of America is a division of Finance of America Reverse LLC which is licensed
nationwide | Equal Housing Opportunity | NMLS ID # 2285 (www.nmlsconsumeraccess.org) | 8023 East 63rd Place, Suite 700 | Tulsa, OK 74133
|AZ Mortgage Banker License #0921300 | Licensed by the Department of Business
Financial Protection and Innovation under the California Residential Mortgage Lending
Act | Georgia Residential Mortgage Licensee #23647 | Kansas Licensed Mortgage
Company | Massachusetts Lender/Broker License MC2285: Finance of America
Reverse LLC | Licensed by the N.J. Department of Banking and Insurance | Licensed
Mortgage Banker -- NYS Department of Financial Services| Rhode Island Licensed
Lender | Not all products and options are available in all states | Terms subject to
change without notice | For licensing information go to: www.nmlsconsumeraccess.org
The company does not do business as Finance of America in CA, NM, NY, and OK.