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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Business Hours
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9 AM to 5 PM
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9 AM to 5 PM(Open now)
Sun
9 AM to 5 PM
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Reviews from Web
everything worked out great
Reply from Joel Garcia
January 6th, 2026 12:33 AM
I’m glad to hear that everything worked out well, Terence. If there's anything else I can do for you in the future, don't hesitate to reach out. Thank you for your rating.
Joel was awesome to work with, very thankful for his hard work.
Reply from Joel Garcia
January 6th, 2026 12:34 AM
I'm glad to hear that you found working together to be a positive experience. Your appreciation for my hard work means a lot. If there's anything more I can assist you with, please feel free to reach out.
Communication
Reply from Joel Garcia
January 6th, 2026 12:35 AM
Velmon, thank you for taking the time to leave such a positive review. I'm glad you had a great experience. If you have any questions or need assistance in the future, please feel free to reach out.
Cash at closing originally overestimated
Reply from Joel Garcia
January 6th, 2026 12:36 AM
It's important to ensure all aspects of a financial transaction are clear and accurate. If you have any concerns about the estimates you received, please reach out to me directly so I can assist in addressing them promptly. Your satisfaction...
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Joel was great . Always kept us up to date
Reply from Joel Garcia
January 6th, 2026 12:37 AM
It's encouraging to hear that you felt well-informed throughout the process. Keeping clients updated is a priority, and I'm glad that it made a positive impact on your experience. If you have any other questions or need further assistance,...
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Joel Garcia helped make a complex process turn out positive.
Reply from Joel Garcia
January 6th, 2026 12:38 AM
I'm pleased to know that you had a positive experience with the process. If any questions arise in the future, I'm here to assist. My goal is to preserve my clients to continue to allow them to utilize their financial options and benefit from...
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Joel Garcia was communicative and took great effort to address my questions and concerns.
Reply from Joel Garcia
January 6th, 2026 12:38 AM
It's encouraging to hear that the communication and effort put into addressing your questions were beneficial to you. If you have any more questions in the future, don't hesitate to reach out.
Joel Garcia was immensely helpful in guiding me through the process of completing the paperwork for the reverse mortgage. I appreciate that he was readily available to answer questions and was always patient and professional.
Reply from Joel Garcia NMLS # 1840154
January 6th, 2026 12:39 AM
Thank you Kent!
Joel Garcia is professional, patient, kind and knowledgeable. I thoroughly enjoyed my experience working with Joel. I couldn't have asked for better help and support! I already referred a friend to Joel. I give Joel a 5 star rating in every...
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Reply from Joel Garcia NMLS # 1840154
January 6th, 2026 12:40 AM
Thank you for the kind words and your high rating, Linda. I'm grateful that you had a positive experience working with me. Your recommendation to a friend means a lot and is one of the greatest compliments I can receive. I'm always here to...
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For me, doing a reverse mortgage made me consider if I wanted to stay in my home for the rest of my life--and I mostly do--but it made me realize that, at almost 80 years old, I am at the end of my life, and the end of my options for much of...
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Reply from Joel Garcia
January 6th, 2026 12:41 AM
Gabrielle, I'm grateful for your kind words and the trust you've shown in working with me on your reverse mortgage. It's rewarding to know that my patience and assistance were helpful to you during this important decision-making process. Thank...
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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.