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FINANCE OF AMERICA COMPANIES INC. (FOA) Material Contracts

FINANCE OF AMERICA COMPANIES INC. Material Contracts

Every material contract the company filed as Exhibit 10 (executive pay plans, credit agreements, supplier and indemnity agreements), newest first, with the filing's own description.

  • 2026-08-07: Form 10-Q; Exhibit 10.1; Description Letter Agreement No. 1, dated April 30, 2026, by and between Onity Mortgage Corporation (f/k/a PHH Mortgage Corporation) and Finance of America Reverse LLC..
  • 2026-08-03: Form 8-K; Exhibit 10.1; Description Third Amended and Restated Limited Liability Company Agreement, dated as of July 31, 2026, of Finance of America Equity Capital LLC..
  • 2026-03-13: Form 10-K; Exhibit 10.23; Description Reverse Mortgage Servicing Rights Purchase and Sale Agreement, dated as of November 17, 2025, by and between PHH Mortgage Corporation and Finance of America Reverse LLC..
  • 2026-03-13: Form 10-K; Exhibit 10.22; Description Asset Purchase Agreement, dated as of November 17, 2025, by and between PHH Mortgage Corporation and Finance of America Reverse LLC..
FiledFormExhibitDescription
2026-08-0710-Q10.1Letter Agreement No. 1, dated April 30, 2026, by and between Onity Mortgage Corporation (f/k/a PHH Mortgage Corporation) and Finance of America Reverse LLC.
2026-08-038-K10.1Third Amended and Restated Limited Liability Company Agreement, dated as of July 31, 2026, of Finance of America Equity Capital LLC.
2026-03-1310-K10.23Reverse Mortgage Servicing Rights Purchase and Sale Agreement, dated as of November 17, 2025, by and between PHH Mortgage Corporation and Finance of America Reverse LLC.
2026-03-1310-K10.22Asset Purchase Agreement, dated as of November 17, 2025, by and between PHH Mortgage Corporation and Finance of America Reverse LLC.
2026-03-1310-K10.4Second Amended and Restated Limited Liability Company Agreement, dated as of December 15, 2025, of Finance of America Equity Capital LLC.
2025-12-178-K10.1Registration Rights Agreement, dated December 15, 2025, by and among Finance of America Companies Inc. and ACM ASOF IX Master HoldCo 2 LLC and Blue Owl Alternative Credit Alameda LP.
2025-12-158-K10.1Investment Agreement, dated as of December 11, 2025, between Finance of America Companies Inc. and the Investors listed on Schedule A thereto.
2025-11-1310-Q10.8Amendment No. 1 to the Amended and Restated Limited Liability Company Agreement of Finance of America Equity Capital LLC, dated as of November 12, 2025.
2025-11-1310-Q10.7Form of Option Grant Notice and Option Agreement under the Finance of America Companies Inc. 2021 Omnibus Incentive Plan (Class A Common Stock).
2025-11-1310-Q10.1Amended and Restated Repurchase Agreement, dated November 13, 2025, by and among Finance of America Companies Inc., Finance of America Equity Capital LLC, Blackstone Tactical Opportunities Associates – NQ L.L.C., BTO Urban Holdings L.L.C., Blackstone Family Tactical Opportunities Investment Partnership - NQ ESC L.P., and BTO Urban Holdings II L.P.
2025-08-058-K10.4First Amendment to Pledge and Security Agreement, dated as of August 4, 2025, by and among Finance of America Funding LLC, U.S. Bank Trust Company, National Association, as collateral trustee, and the other grantors party thereto (with conformed Pledge and Security Agreement annexed thereto).
2025-08-058-K10.3Consent Support Agreement, dated as of August 4, 2025, by and among Finance of America Funding LLC, Finance of America Equity Capital LLC, Finance of America Holdings LLC, Incenter LLC, Finance of America Mortgage LLC, Finance of America Reverse LLC, and MM Risk Retention LLC, and certain consenting noteholders.
2025-08-058-K10.2Form of unsecured convertible promissory note (included as Annex A to Exhibit 10.2).
2025-08-058-K10.1Repurchase Agreement, dated August 4, 2025, by and among Finance of America Companies Inc., Finance of America Equity Capital LLC, Blackstone Tactical Opportunities Associates – NQ L.L.C., BTO Urban Holdings L.L.C., Blackstone Family Tactical Opportunities Investment Partnership - NQ ESC L.P. and BTO Urban Holdings II L.P.
2025-03-1410-K10.116Form of Option Grant Notice and Option Agreement under the Finance of America Companies Inc. 2021 Omnibus Incentive Plan (Class A Common Stock).
2024-11-0810-Q10.1Form of Option to Acquire LLC Units
2024-11-048-K10.1Pledge and Security Agreement, dated as of October 31, 2024, among FOA Funding, U.S. Bank Trust Company, National Association, as collateral trustee, and the other grantors party thereto.
2024-09-178-K10.1First Amendment to Exchange Offer Support Agreement, dated as of September 17, 2024, among Finance of America Funding LLC, Finance of America Equity Capital LLC, Finance of America Holdings LLC, Incenter LLC, Finance of America Mortgage LLC, Finance of America Reverse LLC, and MM Risk Retention LLC, and certain holders of, or the investment advisor, sub-advisor or manager to a beneficial or legal holder or holders of the 2025 Unsecured Notes.
2024-06-258-K10.1Exchange Offer Support Agreement, dated as of June 24, 2024, among FOA Funding, FOA Equity Capital, the other FOA Parties and the Initial Consenting Noteholders.
2024-03-1510-K10.243Third Amendment to Master Repurchase Agreement, dated as of November 8, 2023, by and between Finance of America Reverse LLC, as seller, and National Founders LP, as buyer.
2024-03-1510-K10.116Form of Option Grant Notice and Option Agreement under the Finance of America Companies Inc. 2021 Omnibus Incentive Plan
2023-08-0910-Q10.1Second Amendment to Amended and Restated Master Repurchase Agreement, dated as of May 31, 2023, by and between Finance of America Reverse LLC, as seller, and Grand Oak Trust, as buyer.
2023-05-1210-Q10.6Second Amendment to Master Repurchase Agreement, dated as of April 26, 2023, by and between Finance of America Reverse LLC, as seller, and National Founders LP, as buyer.
2023-05-1210-Q10.5First Amendment to Master Repurchase Agreement, dated as of March 15, 2023, by and between Finance of America Reverse LLC, as seller, and National Founders LP, as buyer.
2023-05-1210-Q10.4Master Repurchase Agreement, dated as of February 28, 2023, by and between Finance of America Reverse LLC, as seller, and National Founders LP, as buyer.
2023-05-1210-Q10.3First Amendment to Amended and Restated Master Repurchase Agreement, dated as of April 26, 2023, by and between Finance of America Reverse LLC, as seller, and Grand Oak Trust, as buyer.
2023-05-1210-Q10.2Amended and Restated Master Repurchase Agreement, dated as of February 28, 2023, by and between Finance of America Reverse LLC, as seller, and Grand Oak Trust, as buyer.
2023-05-1210-Q10.1Securities Purchase Agreement, by and among Essent US Holdings, Inc., Incenter LLC, and Finance of America Equity Capital LLC, dated as of February 1, 2023.
2023-04-038-K10.1Equity Matters Agreement, dated as of March 31, 2023, by and among the Company, FOAEC and AAG
2023-03-1610-K10.20Loan Sale Agreement, dated December 6, 2022, by and between Finance of America Reverse LLC, as Purchaser, and American Advisors Group, as Seller.
2023-03-1610-K10.19Servicing Rights Purchase and Sale Agreement, dated December 6, 2022, by and between Finance of America Reverse LLC, as Purchaser, and American Advisors Group, as Seller.
2023-03-1610-K10.18Stock Purchase Agreement, dated as of December 6, 2022, by and among the Company and Libman Family Holdings LLC.
2023-03-1610-K10.17Stock Purchase Agreement, dated as of December 6, 2022, by and among the Company and each of BTO Urban Holdings L.L.C., Blackstone Family Tactical Opportunities Investment Partnership – NQ ESC L.P. and BTO Urban Holdings II L.P.
2023-03-1610-K10.16Asset Purchase Agreement, dated as of December 6, 2022, by and among the Company, Finance of America Equity Capital LLC, a Delaware limited liability company, Finance of America Reverse LLC, a Delaware limited liability company and an indirect subsidiary of the Company, American Advisors Group, a California corporation and, for the limited purposes described therein, Reza Jahangiri, an individual residing in the State of California.
2022-11-0910-Q10.2First Amended Finance of America Companies Inc. Employee Stock Purchase Plan, dated August 15, 2022.
2022-11-0910-Q10.1Separation Agreement and General Release of all Claims, by and between Finance of America Equity Capital LLC and Anthony W. Villani, effective September 1, 2022.
2022-08-0910-Q10.5Payoff and Termination Letter, by and among FACO Crop Loans LLC, as seller FACO Crop Loan Financing Trust C1, as trust subsidiary, Finance of America Mortgage LLC, as guarantor and National Founders LP, as buyer.
2022-08-0910-Q10.4Restrictive Covenant Agreement, by and between Finance of America Companies Inc. and Patricia L. Cook, effective July 1, 2022.
2022-08-0910-Q10.3Consulting Agreement, by and between Finance of America Companies Inc. and Patricia L. Cook, dated July 1, 2022.
2022-08-0910-Q10.2Separation Agreement and General Release of all Claims, by and between Finance of America Equity Capital LLC and Patricia L. Cook, effective June 30, 2022.
2022-08-0910-Q10.1Amendment to Restricted Stock Unit Award Agreement of Patricia L. Cook, dated June 20, 2022.
2022-05-1010-Q10.1Amendment No. 6 to Master Repurchase Agreement, dated as of March 22, 2022, by and between FACo Crop Loans LLC as seller, National Founders LP as buyer, FACo Crop Loan Financing Trust C1 as trust subsidiary, and Finance of America Commercial LLC as guarantor.
2022-03-1510-K10.18.5Fifth Amendment to Master Repurchase Agreement, dated as of November 19, 2021, among National Founders LP, FACo Crop Loans LLC, FACo Crop Loan Financing Trust.
2022-03-1510-K10.18.3Third Amendment to the Master Repurchase Agreement among National Founders LP, as buyer, FACo Crop Loans LLC as seller and FACo Crop Loan Financing Trust C1, as the trust subsidiary, dated _March 19, 2021.††
2022-03-1510-K10.10.3Form of Non-Employee Director Restricted Stock Unit Agreement under the Finance of America Companies Inc. 2021 Omnibus Incentive Plan.†
2022-03-1510-K10.10.2Form of Named Executive Officer Restricted Stock Unit Agreement under the Finance of America Companies Inc. 2021 Omnibus Incentive Plan.†
2021-11-1210-Q10.1Amendment No. 4 to Master Repurchase Agreement, dated as of September 17, 2021, by and between FACo Crop Loans LLC as seller, National Founders LP as buyer, FACo Crop Loan Financing Trust C1 as trust subsidiary, and Finance of America Commercial LLC as guarantor.
2021-08-1610-Q10.13Amendment No. 5 to Master Repurchase Agreement, dated as of June 21, 2021, by and between Finance of America Mortgage LLC as seller and Nomura Corporate Funding Americas, LLC as buyer.
2021-08-1610-Q10.12Amended and Restated Master Repurchase Agreement, dated as of June 28, 2021, among Nomura Corporate Funding Americas, LLC, as agent and NCFA buyer, Nomura Securities International, Inc., as NSI buyer, Oakdale Secured Funding Trust Fossil, acting with respect Series 2021-1, as a buyer, Finance of America Reverse LLC as seller and FAR REO Sub I LLC, as REO subsidiary.
2021-08-1610-Q10.11Form of Restricted Stock Unit Agreement under the Finance of America Companies Inc. 2021 Omnibus Incentive Plan.
2021-05-178-K/A10.21.4Fourth Amendment to the Master Repurchase Agreement among Nomura Corporate Funding Americas, LLC, as buyer, and Finance of America Mortgage LLC, as seller, dated December 11, 2020.
2021-05-178-K/A10.20.5Fifth Amendment to the Master Repurchase Agreement among Nomura Corporate Funding Americas, LLC, as buyer, and Finance of America Commercial LLC, as seller, dated February 26, 2021.
2021-05-178-K/A10.20.4Fourth Amendment to the Master Repurchase Agreement among Nomura Corporate Funding Americas, LLC, as buyer, and Finance of America Commercial LLC, as seller, dated February 19, 2021.

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