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
Sat
9 AM to 5 PM(Open now)
Sun
9 AM to 5 PM
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Reviews from Web
Joel was great to work with.
Reply from Joel Garcia
January 6th, 2026 12:41 AM
I'm glad you found working with me to be a positive experience, Jeffrey. If there's anything more I can assist you with, please feel free to reach out. Thank you for your rating!
Both Joel and Veronica really went out of their way to get this closed
Reply from Joel Garcia
January 6th, 2026 12:44 AM
Jeremy,
I’m pleased to know you had a good experience. If there’s anything more I can do to help or any way I can assist in the future, please feel free to reach out. Thank you for choosing Finance Of America - Reverse Mortgage.
Joel was so pleasant and informative. Also easy to talk to. It all was a positive experience
Reply from Joel Garcia NMLS # 1840154
January 6th, 2026 01:06 AM
I'm pleased to know that you had a positive experience, Lois. It’s great to hear that I was able to provide clear information and ease in our conversations. If you have any more questions or need assistance in the future, please feel free to...
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Joel Garcia was outstanding, very knowledgeable and on time in meeting all our needs. Thank you so much! It is so nice & refreshing to have a Fiancial corporation FOA, with empoyees that excel, when it comes to customer service....Respectfully...
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Reply from Joel Garcia
January 6th, 2026 01:07 AM
I appreciate your kind words, Bill and Glynda. It's fulfilling to know that my efforts met your needs and that you found the experience refreshing. If there's anything else I can assist you with moving forward, please feel free to reach out....
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Joel had genuine care for our financial isues when he discussed the options. It was like talking to a person who wanted to help, not like a robot, saying things they have to, to make quota. He was personable, asking questionas about how we...
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Reply from Joel Garcia NMLS # 1840154
January 6th, 2026 01:11 AM
Ronald, Thank you for taking the time to leave such a positive review. It's gratifying to know that I could assist you in navigating your reverse mortgage decisions. I'm pleased that the experience felt personal and supportive for you. If you...
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Joel was very helpful and courteous. He always responded to my questions and concerns.
Reply from Joel Garcia
January 6th, 2026 01:12 AM
I'm glad to hear that you found my assistance helpful and courteous, Deanna. I'm committed to being responsive to your questions and concerns. If there's anything more I can do for you, please feel free to let me know.
Joel and Emily both did an excellent job explaining everything patiently, allowing me time to shop around, and then answering all my questions accurately and clearly. I think they are both excellent representatives of your company. I just wish...
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Reply from Joel Garcia
January 6th, 2026 01:19 AM
I'm grateful for your positive review. It was a pleasure to assist you and ensure that everything went smoothly with your reverse mortgage process. If you have any further questions or need assistance in the future, please don't hesitate to...
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Joel Garcia is very knowledgable and a great communicator with a product that can be confusing to clients. I worked in banking and originated mortgage and reverse mortgage loans for 18 years....but that was 24 years ago. I appreciate his expertise...
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Reply from Joel Garcia
January 6th, 2026 01:29 AM
It's gratifying to know that my support has made navigating the reverse mortgage process easier for you. I’m glad to hear that my expertise met your expectations, especially considering your extensive background in banking and mortgages. Should...
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Joel Garcia made the experience easy to understand and explained things very well. The procedure was simple to follow along with and everything flowed smoothly. I truly appreciate how that all worked!
Reply from Joel Garcia NMLS # 1840154
January 6th, 2026 02:22 AM
I'm pleased to hear that your experience was straightforward and everything went seamlessly. Clear communication is a priority for me, and it's great to know it made a positive difference for you. If you have any further questions or need assistance...
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Joel Garcia was there when we needed him
Reply from Joel Garcia NMLS # 1840154
January 6th, 2026 02:23 AM
I'm glad to know I could be there for you when needed. Supporting you through the reverse mortgage process is important to me, and I'm pleased I could assist along the way. If you have any further questions or need additional help, please feel...
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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.