Matthew A. Engel - 17 Nov 2025 Form 4 Insider Report for Finance of America Companies Inc. (FOA)

Role: Chief Financial Officer
Signature: /s/ Tracy Lowe, as power of attorney for Matthew A. Engel
Issuer symbol: FOA
Transactions as of: 17 Nov 2025
Net transactions value: -$102,443
Form type: 4
Filing time: 19 Nov 2025, 16:07:08 UTC
Previous filing: 14 Nov 2025
Next filing: 23 Dec 2025
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
Engel Matthew A	Chief Financial Officer	C/O FINANCE OF AMERICA COMPANIES INC.,, 5830 GRANITE PARKWAY, SUITE 400, PLANO	/s/ Tracy Lowe, as power of attorney for Matthew A. Engel	19 Nov 2025	0001491166

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
transaction	FOA	Class A Common Stock	Options Exercise	$0	+12,452	+84%	$0.000000	27,292	17 Nov 2025	Direct	F1
transaction	FOA	Class A Common Stock	Tax liability	$102,443	-4,456	-16%	$22.99	22,836	17 Nov 2025	Direct	F2

Derivative Securities (e.g., puts, calls, warrants, options, convertible securities)

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Underlying Class	Amount	Exercise Price	Ownership	Footnotes
transaction	FOA	Restricted Stock Units	Options Exercise	$0	-12,452	-50%	$0.000000	12,452	17 Nov 2025	Class A Common Stock	12,452		Direct	F1
holding	FOA	Restricted Stock Units						21,667	17 Nov 2025	Class A Common Stock	21,667		Direct	F3
holding	FOA	Restricted Stock Units						42,246	17 Nov 2025	Class A Common Stock	42,246		Direct	F4

* An asterisk sign (*) next to the price indicates that the price is likely invalid.

Explanation of Responses:

Id	Content
F1	Each restricted stock unit ("RSU") represents a contingent right to receive one share of the Issuer's Class A common stock ("Common Stock"). The RSUs will be settled in either Common Stock or cash (or a combination thereof) at the discretion of the Issuer's compensation committee. The remaining RSUs shall vest on the third anniversary of November 15, 2023, subject to the Reporting Person's continued employment.
F2	Represents the withholding of shares of Common Stock for tax purposes in connection with the settlement of RSUs.
F3	Represents additional RSUs granted to the Reporting Person on April 1, 2024. Each RSU represents a contingent right to receive one share of Common Stock of the Issuer. The RSUs will be settled in either Common Stock or cash (or a combination thereof) at the discretion of the Issuer's compensation committee. The RSUs shall vest in one-third increments upon the second and third anniversaries of the vesting reference date, April 1, 2024, subject to the Reporting Person's continued employment.
F4	Represents additional RSUs granted to the Reporting Person on April 1, 2025. Each RSU represents a contingent right to receive one share of Common Stock of the Issuer. The RSUs will be settled in either Common Stock or cash (or a combination thereof) at the discretion of the Issuer's compensation committee. The RSUs shall vest in one-third increments upon the first, second, and third anniversaries of the vesting reference date, April 1, 2025, subject to the Reporting Person's continued employment.