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    <link:label id="lab_ecd_TradingArrByIndTable_label_en-US" xlink:label="lab_ecd_TradingArrByIndTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trading Arrangements, by Individual [Table]</link:label>
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    <link:label id="lab_ecd_TradingArrAxis_label_en-US" xlink:label="lab_ecd_TradingArrAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trading Arrangement [Axis]</link:label>
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    <link:label id="lab_srt_MaximumMember_label_en-US" xlink:label="lab_srt_MaximumMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Maximum [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_MaximumMember"/>
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    <link:label id="lab_us-gaap_AssetAcquisitionTable_label_en-US" xlink:label="lab_us-gaap_AssetAcquisitionTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Asset Acquisition [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetAcquisitionTable" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AssetAcquisitionTable"/>
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    <link:label id="lab_srt_RangeMember_019e2838-53e6-70b1-aa36-ffb05a3e3084_terseLabel_en-US" xlink:label="lab_srt_RangeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Statistical Measurement [Domain]</link:label>
    <link:label id="lab_srt_RangeMember_label_en-US" xlink:label="lab_srt_RangeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statistical Measurement [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_RangeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_RangeMember" xlink:to="lab_srt_RangeMember" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_Security12bTitle_019e2838-54b4-7005-8c9f-0d09e9179e98_terseLabel_en-US" xlink:label="lab_dei_Security12bTitle" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Title of 12(b) Security</link:label>
    <link:label id="lab_dei_Security12bTitle_label_en-US" xlink:label="lab_dei_Security12bTitle" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Title of 12(b) Security</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_Security12bTitle" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_Security12bTitle"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_Security12bTitle" xlink:to="lab_dei_Security12bTitle" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SubsequentEventMember_019e2838-55e6-73b6-8ad3-a82e4cebd794_terseLabel_en-US" xlink:label="lab_us-gaap_SubsequentEventMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subsequent Event</link:label>
    <link:label id="lab_us-gaap_SubsequentEventMember_label_en-US" xlink:label="lab_us-gaap_SubsequentEventMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subsequent Event [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventMember" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SubsequentEventMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SubsequentEventMember" xlink:to="lab_us-gaap_SubsequentEventMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted_019e2838-54b4-7358-8945-5cacf8d5496b_totalLabel_en-US" xlink:label="lab_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net income (loss) from continuing operations attributable to holders of Class A Common Stock - diluted</link:label>
    <link:label id="lab_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted_label_en-US" xlink:label="lab_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Income (Loss) Available to Common Stockholders, Diluted</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted" xlink:to="lab_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentFiscalYearFocus_019e2838-53e6-7774-bdf2-bdc4eb5bf576_terseLabel_en-US" xlink:label="lab_dei_DocumentFiscalYearFocus" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Document Fiscal Year Focus</link:label>
    <link:label id="lab_dei_DocumentFiscalYearFocus_label_en-US" xlink:label="lab_dei_DocumentFiscalYearFocus" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Fiscal Year Focus</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentFiscalYearFocus" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_DocumentFiscalYearFocus"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentFiscalYearFocus" xlink:to="lab_dei_DocumentFiscalYearFocus" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtWeightedAverageInterestRate_019e2838-54b4-722b-8f6d-174dd6cb37ec_terseLabel_en-US" xlink:label="lab_us-gaap_DebtWeightedAverageInterestRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing line of credit outstanding, weighted average interest rate (in percent)</link:label>
    <link:label id="lab_us-gaap_DebtWeightedAverageInterestRate_label_en-US" xlink:label="lab_us-gaap_DebtWeightedAverageInterestRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt, Weighted Average Interest Rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtWeightedAverageInterestRate" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtWeightedAverageInterestRate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtWeightedAverageInterestRate" xlink:to="lab_us-gaap_DebtWeightedAverageInterestRate" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AdjToCompAmt_terseLabel_en-US" xlink:label="lab_ecd_AdjToCompAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Adjustment to Compensation, Amount</link:label>
    <link:label id="lab_ecd_AdjToCompAmt_label_en-US" xlink:label="lab_ecd_AdjToCompAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Adjustment to Compensation Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AdjToCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AdjToCompAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AdjToCompAmt" xlink:to="lab_ecd_AdjToCompAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancialInstrumentAxis_019e2838-54b4-79d6-a29e-b53599ff5bc1_terseLabel_en-US" xlink:label="lab_us-gaap_FinancialInstrumentAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial Instrument [Axis]</link:label>
    <link:label id="lab_us-gaap_FinancialInstrumentAxis_label_en-US" xlink:label="lab_us-gaap_FinancialInstrumentAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Instrument [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancialInstrumentAxis" xlink:to="lab_us-gaap_FinancialInstrumentAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TangibleCapitalRequiredForCapitalAdequacy_019e2838-54b4-75f6-ac70-784419978446_terseLabel_en-US" xlink:label="lab_us-gaap_TangibleCapitalRequiredForCapitalAdequacy" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Minimum tangible net worth required</link:label>
    <link:label id="lab_us-gaap_TangibleCapitalRequiredForCapitalAdequacy_label_en-US" xlink:label="lab_us-gaap_TangibleCapitalRequiredForCapitalAdequacy" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Tangible Capital, Minimum</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TangibleCapitalRequiredForCapitalAdequacy" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TangibleCapitalRequiredForCapitalAdequacy"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TangibleCapitalRequiredForCapitalAdequacy" xlink:to="lab_us-gaap_TangibleCapitalRequiredForCapitalAdequacy" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherAssetsFairValueDisclosure_019e2838-54b4-7bd4-ad00-68297a0ec3d3_terseLabel_en-US" xlink:label="lab_us-gaap_OtherAssetsFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other assets, net at fair value</link:label>
    <link:label id="lab_us-gaap_OtherAssetsFairValueDisclosure_label_en-US" xlink:label="lab_us-gaap_OtherAssetsFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Assets, Fair Value Disclosure</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssetsFairValueDisclosure" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherAssetsFairValueDisclosure"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherAssetsFairValueDisclosure" xlink:to="lab_us-gaap_OtherAssetsFairValueDisclosure" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SegmentReportingAbstract_label_en-US" xlink:label="lab_us-gaap_SegmentReportingAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Segment Reporting [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentReportingAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SegmentReportingAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SegmentReportingAbstract" xlink:to="lab_us-gaap_SegmentReportingAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CommonStockValue_019e2838-54b4-7d9d-86aa-be2682378067_terseLabel_en-US" xlink:label="lab_us-gaap_CommonStockValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Common stock, value</link:label>
    <link:label id="lab_us-gaap_CommonStockValue_label_en-US" xlink:label="lab_us-gaap_CommonStockValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Stock, Value, Issued</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockValue" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonStockValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommonStockValue" xlink:to="lab_us-gaap_CommonStockValue" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_October2027HECMMSRMember_019e2838-53e6-70e2-85ef-25fb68d34090_terseLabel_en-US" xlink:label="lab_foa_October2027HECMMSRMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">October 2027, HECM MSR</link:label>
    <link:label id="lab_foa_October2027HECMMSRMember_label_en-US" xlink:label="lab_foa_October2027HECMMSRMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">October 2027, HECM MSR [Member]</link:label>
    <link:label id="lab_foa_October2027HECMMSRMember_documentation_en-US" xlink:label="lab_foa_October2027HECMMSRMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">October 2027, HECM MSR</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_October2027HECMMSRMember" xlink:href="foa-20260630.xsd#foa_October2027HECMMSRMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_October2027HECMMSRMember" xlink:to="lab_foa_October2027HECMMSRMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RecourseStatusAxis_019e2838-54b4-7dff-89ea-9800e4a88560_terseLabel_en-US" xlink:label="lab_us-gaap_RecourseStatusAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Recourse Status [Axis]</link:label>
    <link:label id="lab_us-gaap_RecourseStatusAxis_label_en-US" xlink:label="lab_us-gaap_RecourseStatusAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Recourse Status [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RecourseStatusAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RecourseStatusAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RecourseStatusAxis" xlink:to="lab_us-gaap_RecourseStatusAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LineOfCreditMember_019e2838-55e6-74c4-ab9c-176c6d1efe1b_terseLabel_en-US" xlink:label="lab_us-gaap_LineOfCreditMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Line of credit</link:label>
    <link:label id="lab_us-gaap_LineOfCreditMember_label_en-US" xlink:label="lab_us-gaap_LineOfCreditMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Line of Credit [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditMember" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LineOfCreditMember"/>
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    <link:label id="lab_ecd_RestatementDeterminationDate_terseLabel_en-US" xlink:label="lab_ecd_RestatementDeterminationDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Restatement Determination Date</link:label>
    <link:label id="lab_ecd_RestatementDeterminationDate_label_en-US" xlink:label="lab_ecd_RestatementDeterminationDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Restatement Determination Date</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_RestatementDeterminationDate" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_RestatementDeterminationDate"/>
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    <link:label id="lab_us-gaap_AllowanceForDoubtfulAccountsReceivable_019e2838-5555-7903-b15d-32713e4e6566_terseLabel_en-US" xlink:label="lab_us-gaap_AllowanceForDoubtfulAccountsReceivable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accounts receivable, allowance for credit loss</link:label>
    <link:label id="lab_us-gaap_AllowanceForDoubtfulAccountsReceivable_label_en-US" xlink:label="lab_us-gaap_AllowanceForDoubtfulAccountsReceivable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accounts Receivable, Allowance for Credit Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AllowanceForDoubtfulAccountsReceivable" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AllowanceForDoubtfulAccountsReceivable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AllowanceForDoubtfulAccountsReceivable" xlink:to="lab_us-gaap_AllowanceForDoubtfulAccountsReceivable" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_LiquidityAndCapitalRequirementsTextBlock_019e2838-54b4-70e5-9cb7-08c32c7a6e3c_terseLabel_en-US" xlink:label="lab_foa_LiquidityAndCapitalRequirementsTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Liquidity and Capital Requirements</link:label>
    <link:label id="lab_foa_LiquidityAndCapitalRequirementsTextBlock_label_en-US" xlink:label="lab_foa_LiquidityAndCapitalRequirementsTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liquidity And Capital Requirements [Text Block]</link:label>
    <link:label id="lab_foa_LiquidityAndCapitalRequirementsTextBlock_documentation_en-US" xlink:label="lab_foa_LiquidityAndCapitalRequirementsTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Liquidity and capital requirements.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_LiquidityAndCapitalRequirementsTextBlock" xlink:href="foa-20260630.xsd#foa_LiquidityAndCapitalRequirementsTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_LiquidityAndCapitalRequirementsTextBlock" xlink:to="lab_foa_LiquidityAndCapitalRequirementsTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_RegulatoryCapitalRequirementsUnderBankingRegulationsAbstract_019e2838-54b4-703e-8df3-d2733469981a_terseLabel_en-US" xlink:label="lab_foa_RegulatoryCapitalRequirementsUnderBankingRegulationsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Regulatory Capital Requirements under Banking Regulations [Abstract]</link:label>
    <link:label id="lab_foa_RegulatoryCapitalRequirementsUnderBankingRegulationsAbstract_label_en-US" xlink:label="lab_foa_RegulatoryCapitalRequirementsUnderBankingRegulationsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Regulatory Capital Requirements under Banking Regulations [Abstract]</link:label>
    <link:label id="lab_foa_RegulatoryCapitalRequirementsUnderBankingRegulationsAbstract_documentation_en-US" xlink:label="lab_foa_RegulatoryCapitalRequirementsUnderBankingRegulationsAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Regulatory Capital Requirements under Banking Regulations [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_RegulatoryCapitalRequirementsUnderBankingRegulationsAbstract" xlink:href="foa-20260630.xsd#foa_RegulatoryCapitalRequirementsUnderBankingRegulationsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_RegulatoryCapitalRequirementsUnderBankingRegulationsAbstract" xlink:to="lab_foa_RegulatoryCapitalRequirementsUnderBankingRegulationsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_AmendmentFlag_019e2838-55e6-7e15-aaca-30cc5b5bb147_terseLabel_en-US" xlink:label="lab_dei_AmendmentFlag" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Amendment Flag</link:label>
    <link:label id="lab_dei_AmendmentFlag_label_en-US" xlink:label="lab_dei_AmendmentFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Amendment Flag</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AmendmentFlag" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_AmendmentFlag"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_AmendmentFlag" xlink:to="lab_dei_AmendmentFlag" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ConvertibleNotesPayable_019e2838-54b4-7054-93f6-a73dc3a2ad3e_terseLabel_en-US" xlink:label="lab_us-gaap_ConvertibleNotesPayable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Convertible Notes</link:label>
    <link:label id="lab_us-gaap_ConvertibleNotesPayable_label_en-US" xlink:label="lab_us-gaap_ConvertibleNotesPayable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Convertible Notes Payable</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConvertibleNotesPayable" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ConvertibleNotesPayable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ConvertibleNotesPayable" xlink:to="lab_us-gaap_ConvertibleNotesPayable" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_ConsolidatedEntitiesAxis_019e2838-54b4-7d47-9752-40b17844bd0a_terseLabel_en-US" xlink:label="lab_srt_ConsolidatedEntitiesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Consolidated Entities [Axis]</link:label>
    <link:label id="lab_srt_ConsolidatedEntitiesAxis_label_en-US" xlink:label="lab_srt_ConsolidatedEntitiesAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Consolidated Entities [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesAxis" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_ConsolidatedEntitiesAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_ConsolidatedEntitiesAxis" xlink:to="lab_srt_ConsolidatedEntitiesAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_ReverseMortgageLoansServicedForOthersMember_019e2838-5555-74b5-af51-f11bb4fb7d1c_terseLabel_en-US" xlink:label="lab_foa_ReverseMortgageLoansServicedForOthersMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans serviced for others</link:label>
    <link:label id="lab_foa_ReverseMortgageLoansServicedForOthersMember_label_en-US" xlink:label="lab_foa_ReverseMortgageLoansServicedForOthersMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reverse Mortgage Loans, Serviced For Others [Member]</link:label>
    <link:label id="lab_foa_ReverseMortgageLoansServicedForOthersMember_documentation_en-US" xlink:label="lab_foa_ReverseMortgageLoansServicedForOthersMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans serviced for others .</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_ReverseMortgageLoansServicedForOthersMember" xlink:href="foa-20260630.xsd#foa_ReverseMortgageLoansServicedForOthersMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_ReverseMortgageLoansServicedForOthersMember" xlink:to="lab_foa_ReverseMortgageLoansServicedForOthersMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RetainedInterestFairValueDisclosure_019e2838-53e6-7504-9b2c-41be727ddd9e_terseLabel_en-US" xlink:label="lab_us-gaap_RetainedInterestFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Retained bonds</link:label>
    <link:label id="lab_us-gaap_RetainedInterestFairValueDisclosure_019e2838-53e6-7615-92b8-1a4f4b738847_verboseLabel_en-US" xlink:label="lab_us-gaap_RetainedInterestFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Retained bonds, at fair value (Note 5 - Fair Value)</link:label>
    <link:label id="lab_us-gaap_RetainedInterestFairValueDisclosure_label_en-US" xlink:label="lab_us-gaap_RetainedInterestFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Retained Interest, Fair Value Disclosure</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedInterestFairValueDisclosure" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RetainedInterestFairValueDisclosure"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RetainedInterestFairValueDisclosure" xlink:to="lab_us-gaap_RetainedInterestFairValueDisclosure" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityCommonStockSharesOutstanding_019e2838-54b4-7533-9635-48d5774d30a5_terseLabel_en-US" xlink:label="lab_dei_EntityCommonStockSharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Common Stock, Shares Outstanding</link:label>
    <link:label id="lab_dei_EntityCommonStockSharesOutstanding_label_en-US" xlink:label="lab_dei_EntityCommonStockSharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Common Stock, Shares Outstanding</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCommonStockSharesOutstanding" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityCommonStockSharesOutstanding"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityCommonStockSharesOutstanding" xlink:to="lab_dei_EntityCommonStockSharesOutstanding" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_FairValueOptionLiabilitiesConvertibleNotes_019e2838-54b4-79f3-ba8e-503cbaa0255b_terseLabel_en-US" xlink:label="lab_foa_FairValueOptionLiabilitiesConvertibleNotes" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Convertible notes, Fair Value</link:label>
    <link:label id="lab_foa_FairValueOptionLiabilitiesConvertibleNotes_label_en-US" xlink:label="lab_foa_FairValueOptionLiabilitiesConvertibleNotes" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Option, Liabilities, Convertible Notes</link:label>
    <link:label id="lab_foa_FairValueOptionLiabilitiesConvertibleNotes_documentation_en-US" xlink:label="lab_foa_FairValueOptionLiabilitiesConvertibleNotes" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Fair Value, Option, Liabilities, Convertible Notes</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_FairValueOptionLiabilitiesConvertibleNotes" xlink:href="foa-20260630.xsd#foa_FairValueOptionLiabilitiesConvertibleNotes"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_FairValueOptionLiabilitiesConvertibleNotes" xlink:to="lab_foa_FairValueOptionLiabilitiesConvertibleNotes" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_CommitmentsAndContingenciesLineItems_019e2838-53e6-75ba-b545-a0083a1d111f_terseLabel_en-US" xlink:label="lab_foa_CommitmentsAndContingenciesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Commitments and Contingencies [Line Items]</link:label>
    <link:label id="lab_foa_CommitmentsAndContingenciesLineItems_label_en-US" xlink:label="lab_foa_CommitmentsAndContingenciesLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Commitments and Contingencies [Line Items]</link:label>
    <link:label id="lab_foa_CommitmentsAndContingenciesLineItems_documentation_en-US" xlink:label="lab_foa_CommitmentsAndContingenciesLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Commitments and Contingencies [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_CommitmentsAndContingenciesLineItems" xlink:href="foa-20260630.xsd#foa_CommitmentsAndContingenciesLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_CommitmentsAndContingenciesLineItems" xlink:to="lab_foa_CommitmentsAndContingenciesLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_MeasurementInputConditionalPrepaymentRateMember_019e2838-54b4-7085-b7eb-3969a8cc468b_terseLabel_en-US" xlink:label="lab_foa_MeasurementInputConditionalPrepaymentRateMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">CPR</link:label>
    <link:label id="lab_foa_MeasurementInputConditionalPrepaymentRateMember_label_en-US" xlink:label="lab_foa_MeasurementInputConditionalPrepaymentRateMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Measurement Input, Conditional Prepayment Rate [Member]</link:label>
    <link:label id="lab_foa_MeasurementInputConditionalPrepaymentRateMember_documentation_en-US" xlink:label="lab_foa_MeasurementInputConditionalPrepaymentRateMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Measurement Input, Conditional Prepayment Rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_MeasurementInputConditionalPrepaymentRateMember" xlink:href="foa-20260630.xsd#foa_MeasurementInputConditionalPrepaymentRateMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_MeasurementInputConditionalPrepaymentRateMember" xlink:to="lab_foa_MeasurementInputConditionalPrepaymentRateMember" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_FairValueMeasurementsWithUnobservableInputsRecurringBasisSalesAndSettlementsNet_019e2838-53e6-78a6-b661-11f53c863866_negatedTerseLabel_en-US" xlink:label="lab_foa_FairValueMeasurementsWithUnobservableInputsRecurringBasisSalesAndSettlementsNet" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Sales and settlements</link:label>
    <link:label id="lab_foa_FairValueMeasurementsWithUnobservableInputsRecurringBasisSalesAndSettlementsNet_label_en-US" xlink:label="lab_foa_FairValueMeasurementsWithUnobservableInputsRecurringBasisSalesAndSettlementsNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Measurements With Unobservable Inputs Recurring Basis Sales And Settlements Net</link:label>
    <link:label id="lab_foa_FairValueMeasurementsWithUnobservableInputsRecurringBasisSalesAndSettlementsNet_documentation_en-US" xlink:label="lab_foa_FairValueMeasurementsWithUnobservableInputsRecurringBasisSalesAndSettlementsNet" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Fair value measurements with unobservable inputs recurring basis sales and settlements net.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_FairValueMeasurementsWithUnobservableInputsRecurringBasisSalesAndSettlementsNet" xlink:href="foa-20260630.xsd#foa_FairValueMeasurementsWithUnobservableInputsRecurringBasisSalesAndSettlementsNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_FairValueMeasurementsWithUnobservableInputsRecurringBasisSalesAndSettlementsNet" xlink:to="lab_foa_FairValueMeasurementsWithUnobservableInputsRecurringBasisSalesAndSettlementsNet" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_FairValueOptionLiabilitiesNonrecourseDebt_019e2838-54b4-7c0a-8dc3-e260991645c5_terseLabel_en-US" xlink:label="lab_foa_FairValueOptionLiabilitiesNonrecourseDebt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Nonrecourse debt, Fair Value</link:label>
    <link:label id="lab_foa_FairValueOptionLiabilitiesNonrecourseDebt_label_en-US" xlink:label="lab_foa_FairValueOptionLiabilitiesNonrecourseDebt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Option, Liabilities, Nonrecourse Debt</link:label>
    <link:label id="lab_foa_FairValueOptionLiabilitiesNonrecourseDebt_documentation_en-US" xlink:label="lab_foa_FairValueOptionLiabilitiesNonrecourseDebt" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Fair Value, Option, Liabilities, Nonrecourse Debt</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_FairValueOptionLiabilitiesNonrecourseDebt" xlink:href="foa-20260630.xsd#foa_FairValueOptionLiabilitiesNonrecourseDebt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_FairValueOptionLiabilitiesNonrecourseDebt" xlink:to="lab_foa_FairValueOptionLiabilitiesNonrecourseDebt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_VariableInterestDifferenceBetweenCarryingAmountAndMaximumExposure_019e2838-54b4-737f-9293-7fff133f1c4a_terseLabel_en-US" xlink:label="lab_us-gaap_VariableInterestDifferenceBetweenCarryingAmountAndMaximumExposure" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total Assets in VIE</link:label>
    <link:label id="lab_us-gaap_VariableInterestDifferenceBetweenCarryingAmountAndMaximumExposure_label_en-US" xlink:label="lab_us-gaap_VariableInterestDifferenceBetweenCarryingAmountAndMaximumExposure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variable Interest Entity, Nonconsolidated, Comparison of Carrying Amount of Assets and Liabilities to Maximum Loss Exposure</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestDifferenceBetweenCarryingAmountAndMaximumExposure" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_VariableInterestDifferenceBetweenCarryingAmountAndMaximumExposure"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_VariableInterestDifferenceBetweenCarryingAmountAndMaximumExposure" xlink:to="lab_us-gaap_VariableInterestDifferenceBetweenCarryingAmountAndMaximumExposure" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_FairValueOptionLoansHeldForInvestmentSubjectToHMBSObligations_019e2838-54b4-74d3-a079-5e54c037e0ca_verboseLabel_en-US" xlink:label="lab_foa_FairValueOptionLoansHeldForInvestmentSubjectToHMBSObligations" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Loans held for investment, subject to Home Equity Conversion Mortgage-Backed Securities (&#8220;HMBS&#8221;) related obligations, at fair value</link:label>
    <link:label id="lab_foa_FairValueOptionLoansHeldForInvestmentSubjectToHMBSObligations_019e2838-54b4-70d9-b1f4-671f739f9941_terseLabel_en-US" xlink:label="lab_foa_FairValueOptionLoansHeldForInvestmentSubjectToHMBSObligations" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans held for investment, subject to HMBS related obligations, Fair Value</link:label>
    <link:label id="lab_foa_FairValueOptionLoansHeldForInvestmentSubjectToHMBSObligations_label_en-US" xlink:label="lab_foa_FairValueOptionLoansHeldForInvestmentSubjectToHMBSObligations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Option, Loans Held For Investment, Subject To HMBS Obligations</link:label>
    <link:label id="lab_foa_FairValueOptionLoansHeldForInvestmentSubjectToHMBSObligations_documentation_en-US" xlink:label="lab_foa_FairValueOptionLoansHeldForInvestmentSubjectToHMBSObligations" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Fair Value, Option, Loans Held For Investment, Subject To HMBS Obligations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_FairValueOptionLoansHeldForInvestmentSubjectToHMBSObligations" xlink:href="foa-20260630.xsd#foa_FairValueOptionLoansHeldForInvestmentSubjectToHMBSObligations"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_FairValueOptionLoansHeldForInvestmentSubjectToHMBSObligations" xlink:to="lab_foa_FairValueOptionLoansHeldForInvestmentSubjectToHMBSObligations" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FeeIncome_019e2838-54b4-77c2-87b2-70299d9ae3bb_terseLabel_en-US" xlink:label="lab_us-gaap_FeeIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fee income</link:label>
    <link:label id="lab_us-gaap_FeeIncome_019e2838-54b4-7723-9798-4b38beec9a3a_verboseLabel_en-US" xlink:label="lab_us-gaap_FeeIncome" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Fee income</link:label>
    <link:label id="lab_us-gaap_FeeIncome_label_en-US" xlink:label="lab_us-gaap_FeeIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fee Income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FeeIncome" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FeeIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FeeIncome" xlink:to="lab_us-gaap_FeeIncome" xlink:type="arc" order="1"/>
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    <link:label id="lab_us-gaap_StockIssuedDuringPeriodValueAcquisitions_label_en-US" xlink:label="lab_us-gaap_StockIssuedDuringPeriodValueAcquisitions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Stock Issued During Period, Value, Acquisitions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodValueAcquisitions" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockIssuedDuringPeriodValueAcquisitions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StockIssuedDuringPeriodValueAcquisitions" xlink:to="lab_us-gaap_StockIssuedDuringPeriodValueAcquisitions" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_CommitmentsAndContingenciesTable_019e2838-54b4-7ce2-8538-71e5015daa30_terseLabel_en-US" xlink:label="lab_foa_CommitmentsAndContingenciesTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Commitments and Contingencies [Table]</link:label>
    <link:label id="lab_foa_CommitmentsAndContingenciesTable_label_en-US" xlink:label="lab_foa_CommitmentsAndContingenciesTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Commitments and Contingencies [Table]</link:label>
    <link:label id="lab_foa_CommitmentsAndContingenciesTable_documentation_en-US" xlink:label="lab_foa_CommitmentsAndContingenciesTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Commitments and Contingencies [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_CommitmentsAndContingenciesTable" xlink:href="foa-20260630.xsd#foa_CommitmentsAndContingenciesTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_CommitmentsAndContingenciesTable" xlink:to="lab_foa_CommitmentsAndContingenciesTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RelatedPartyTransactionsDisclosureTextBlock_019e2838-54b4-707b-9861-b8954ee34d87_terseLabel_en-US" xlink:label="lab_us-gaap_RelatedPartyTransactionsDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Related Party Transactions</link:label>
    <link:label id="lab_us-gaap_RelatedPartyTransactionsDisclosureTextBlock_label_en-US" xlink:label="lab_us-gaap_RelatedPartyTransactionsDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Related Party Transactions Disclosure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyTransactionsDisclosureTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RelatedPartyTransactionsDisclosureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RelatedPartyTransactionsDisclosureTextBlock" xlink:to="lab_us-gaap_RelatedPartyTransactionsDisclosureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_ConsolidatedEntitiesDomain_019e2838-54b4-7b01-ac3f-4599776ff031_terseLabel_en-US" xlink:label="lab_srt_ConsolidatedEntitiesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Consolidated Entities [Domain]</link:label>
    <link:label id="lab_srt_ConsolidatedEntitiesDomain_label_en-US" xlink:label="lab_srt_ConsolidatedEntitiesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Consolidated Entities [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_ConsolidatedEntitiesDomain" xlink:to="lab_srt_ConsolidatedEntitiesDomain" xlink:type="arc" order="1"/>
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    <link:label id="lab_ecd_AdjToNonPeoNeoCompFnTextBlock_label_en-US" xlink:label="lab_ecd_AdjToNonPeoNeoCompFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Adjustment to Non-PEO NEO Compensation Footnote [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AdjToNonPeoNeoCompFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AdjToNonPeoNeoCompFnTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AdjToNonPeoNeoCompFnTextBlock" xlink:to="lab_ecd_AdjToNonPeoNeoCompFnTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityAddressStateOrProvince_019e2838-54b4-7f39-bb79-1643b6541e3e_terseLabel_en-US" xlink:label="lab_dei_EntityAddressStateOrProvince" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Address, State or Province</link:label>
    <link:label id="lab_dei_EntityAddressStateOrProvince_label_en-US" xlink:label="lab_dei_EntityAddressStateOrProvince" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Address, State or Province</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressStateOrProvince" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityAddressStateOrProvince"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressStateOrProvince" xlink:to="lab_dei_EntityAddressStateOrProvince" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent_019e2838-53e6-7c83-9ced-ea656414ab7e_terseLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Foreign currency translation adjustment</link:label>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent_label_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Comprehensive Income (Loss), Foreign Currency Transaction and Translation Adjustment, Net of Tax, Portion Attributable to Parent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent" xlink:to="lab_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_PeoTotalCompAmt_terseLabel_en-US" xlink:label="lab_ecd_PeoTotalCompAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">PEO Total Compensation Amount</link:label>
    <link:label id="lab_ecd_PeoTotalCompAmt_label_en-US" xlink:label="lab_ecd_PeoTotalCompAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">PEO Total Compensation Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeoTotalCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_PeoTotalCompAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_PeoTotalCompAmt" xlink:to="lab_ecd_PeoTotalCompAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationAdjustmentNetOfTax_019e2838-54b4-72fd-9f83-7458637b7c7b_terseLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationAdjustmentNetOfTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Impact of foreign currency translation adjustment</link:label>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationAdjustmentNetOfTax_label_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationAdjustmentNetOfTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Comprehensive Income (Loss), Foreign Currency Transaction and Translation Adjustment, Net of Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationAdjustmentNetOfTax" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationAdjustmentNetOfTax"/>
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    <link:label id="lab_us-gaap_CommonStockParOrStatedValuePerShare_019e2838-54b4-72d3-8ac0-968ab6de2eb4_terseLabel_en-US" xlink:label="lab_us-gaap_CommonStockParOrStatedValuePerShare" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Common stock, par value (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_CommonStockParOrStatedValuePerShare_label_en-US" xlink:label="lab_us-gaap_CommonStockParOrStatedValuePerShare" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Stock, Par or Stated Value Per Share</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockParOrStatedValuePerShare" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonStockParOrStatedValuePerShare"/>
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    <link:label id="lab_us-gaap_AssetsFairValueDisclosureAbstract_019e2838-54b4-7388-a090-8a1b0573c0f2_terseLabel_en-US" xlink:label="lab_us-gaap_AssetsFairValueDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Assets</link:label>
    <link:label id="lab_us-gaap_AssetsFairValueDisclosureAbstract_label_en-US" xlink:label="lab_us-gaap_AssetsFairValueDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Assets, Fair Value Disclosure [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosureAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AssetsFairValueDisclosureAbstract"/>
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    <link:label id="lab_us-gaap_AssetAcquisitionAxis_019f93b5-6af9-7780-8084-4acce43143fb_verboseLabel_en-US" xlink:label="lab_us-gaap_AssetAcquisitionAxis" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Asset Acquisition [Axis]</link:label>
    <link:label id="lab_us-gaap_AssetAcquisitionAxis_label_en-US" xlink:label="lab_us-gaap_AssetAcquisitionAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Asset Acquisition [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetAcquisitionAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AssetAcquisitionAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AssetAcquisitionAxis" xlink:to="lab_us-gaap_AssetAcquisitionAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_ExchangeDomain_019e2838-55e6-72f0-a820-baceb5734ad8_terseLabel_en-US" xlink:label="lab_dei_ExchangeDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Exchange [Domain]</link:label>
    <link:label id="lab_dei_ExchangeDomain_label_en-US" xlink:label="lab_dei_ExchangeDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Exchange [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_ExchangeDomain" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_ExchangeDomain"/>
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    <link:label id="lab_us-gaap_IntangibleAssetsNetExcludingGoodwill_019e2838-54b4-774e-91a3-68c9bff3dd6d_terseLabel_en-US" xlink:label="lab_us-gaap_IntangibleAssetsNetExcludingGoodwill" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Intangible assets, net</link:label>
    <link:label id="lab_us-gaap_IntangibleAssetsNetExcludingGoodwill_label_en-US" xlink:label="lab_us-gaap_IntangibleAssetsNetExcludingGoodwill" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Intangible Asset, Excluding Goodwill, after Accumulated Amortization</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IntangibleAssetsNetExcludingGoodwill"/>
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    <link:label id="lab_foa_RetirementSolutionsMember_019e2838-5556-7346-a10e-022db6380ae2_terseLabel_en-US" xlink:label="lab_foa_RetirementSolutionsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Retirement Solutions</link:label>
    <link:label id="lab_foa_RetirementSolutionsMember_label_en-US" xlink:label="lab_foa_RetirementSolutionsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Retirement Solutions [Member]</link:label>
    <link:label id="lab_foa_RetirementSolutionsMember_documentation_en-US" xlink:label="lab_foa_RetirementSolutionsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Retirement Solutions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_RetirementSolutionsMember" xlink:href="foa-20260630.xsd#foa_RetirementSolutionsMember"/>
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    <link:label id="lab_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_019e2838-5555-7a72-aa25-b67387c2708c_terseLabel_en-US" xlink:label="lab_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Basic weighted average shares outstanding (in shares)</link:label>
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    <link:label id="lab_us-gaap_AssetAcquisitionConsiderationTransferredAbstract_label_en-US" xlink:label="lab_us-gaap_AssetAcquisitionConsiderationTransferredAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Asset Acquisition, Consideration Transferred [Abstract]</link:label>
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    <link:label id="lab_ecd_OutstandingAggtErrCompAmt_label_en-US" xlink:label="lab_ecd_OutstandingAggtErrCompAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Outstanding Aggregate Erroneous Compensation Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_OutstandingAggtErrCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_OutstandingAggtErrCompAmt"/>
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    <link:label id="lab_foa_ARLFHPromissoryNoteMember_019fd432-1be9-7d70-b343-12c3db5543e9_terseLabel_en-US" xlink:label="lab_foa_ARLFHPromissoryNoteMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">A&amp;R LFH Promissory Note</link:label>
    <link:label id="lab_foa_ARLFHPromissoryNoteMember_label_en-US" xlink:label="lab_foa_ARLFHPromissoryNoteMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">A&amp;R LFH Promissory Note [Member]</link:label>
    <link:label id="lab_foa_ARLFHPromissoryNoteMember_documentation_en-US" xlink:label="lab_foa_ARLFHPromissoryNoteMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">A&amp;R LFH Promissory Note</link:label>
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    <link:label id="lab_foa_DebtInstrumentCovenantLeverageRatio_019e2838-5555-7fbb-8ca9-150dca1b8f0a_terseLabel_en-US" xlink:label="lab_foa_DebtInstrumentCovenantLeverageRatio" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Leverage ratio</link:label>
    <link:label id="lab_foa_DebtInstrumentCovenantLeverageRatio_label_en-US" xlink:label="lab_foa_DebtInstrumentCovenantLeverageRatio" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument, Covenant, Leverage Ratio</link:label>
    <link:label id="lab_foa_DebtInstrumentCovenantLeverageRatio_documentation_en-US" xlink:label="lab_foa_DebtInstrumentCovenantLeverageRatio" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Debt Instrument, Covenant, Leverage Ratio</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_DebtInstrumentCovenantLeverageRatio" xlink:href="foa-20260630.xsd#foa_DebtInstrumentCovenantLeverageRatio"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_DebtInstrumentCovenantLeverageRatio" xlink:to="lab_foa_DebtInstrumentCovenantLeverageRatio" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NumberOfReportableSegments_019e2838-5556-7579-9351-70887705dc71_terseLabel_en-US" xlink:label="lab_us-gaap_NumberOfReportableSegments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of reportable segments</link:label>
    <link:label id="lab_us-gaap_NumberOfReportableSegments_label_en-US" xlink:label="lab_us-gaap_NumberOfReportableSegments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number of Reportable Segments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NumberOfReportableSegments" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NumberOfReportableSegments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NumberOfReportableSegments" xlink:to="lab_us-gaap_NumberOfReportableSegments" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_RequirementMember_019e2838-55e6-73b8-acab-a6d23e9ae872_terseLabel_en-US" xlink:label="lab_foa_RequirementMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Requirement</link:label>
    <link:label id="lab_foa_RequirementMember_label_en-US" xlink:label="lab_foa_RequirementMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Requirement [Member]</link:label>
    <link:label id="lab_foa_RequirementMember_documentation_en-US" xlink:label="lab_foa_RequirementMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Requirement.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_RequirementMember" xlink:href="foa-20260630.xsd#foa_RequirementMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_RequirementMember" xlink:to="lab_foa_RequirementMember" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityAddressCityOrTown_019e2838-54b4-7d2a-96f9-49707a8ae639_terseLabel_en-US" xlink:label="lab_dei_EntityAddressCityOrTown" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Address, City or Town</link:label>
    <link:label id="lab_dei_EntityAddressCityOrTown_label_en-US" xlink:label="lab_dei_EntityAddressCityOrTown" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Address, City or Town</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressCityOrTown" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityAddressCityOrTown"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressCityOrTown" xlink:to="lab_dei_EntityAddressCityOrTown" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CapitalUnitClassAMember_019e2838-54b4-7c95-b50f-e01ac5f9399d_terseLabel_en-US" xlink:label="lab_us-gaap_CapitalUnitClassAMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Capital Unit, Class A</link:label>
    <link:label id="lab_us-gaap_CapitalUnitClassAMember_label_en-US" xlink:label="lab_us-gaap_CapitalUnitClassAMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Capital Unit, Class A [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalUnitClassAMember" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CapitalUnitClassAMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CapitalUnitClassAMember" xlink:to="lab_us-gaap_CapitalUnitClassAMember" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_ShareRepurchaseProgramNumberOfClosings_019e2838-55e6-7db2-8be8-78250dc5a105_terseLabel_en-US" xlink:label="lab_foa_ShareRepurchaseProgramNumberOfClosings" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of closings</link:label>
    <link:label id="lab_foa_ShareRepurchaseProgramNumberOfClosings_label_en-US" xlink:label="lab_foa_ShareRepurchaseProgramNumberOfClosings" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share Repurchase Program, Number Of Closings</link:label>
    <link:label id="lab_foa_ShareRepurchaseProgramNumberOfClosings_documentation_en-US" xlink:label="lab_foa_ShareRepurchaseProgramNumberOfClosings" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Share Repurchase Program, Number Of Closings</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_ShareRepurchaseProgramNumberOfClosings" xlink:href="foa-20260630.xsd#foa_ShareRepurchaseProgramNumberOfClosings"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_ShareRepurchaseProgramNumberOfClosings" xlink:to="lab_foa_ShareRepurchaseProgramNumberOfClosings" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock_019e2838-5555-7345-bae3-bbda635ae7a7_terseLabel_en-US" xlink:label="lab_us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reverse Mortgage Loan Portfolio</link:label>
    <link:label id="lab_us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock_label_en-US" xlink:label="lab_us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans, Notes, Trade and Other Receivables Disclosure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock" xlink:to="lab_us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ReceivablesAbstract_label_en-US" xlink:label="lab_us-gaap_ReceivablesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Receivables [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ReceivablesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ReceivablesAbstract" xlink:to="lab_us-gaap_ReceivablesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StatementOfFinancialPositionAbstract_label_en-US" xlink:label="lab_us-gaap_StatementOfFinancialPositionAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statement of Financial Position [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfFinancialPositionAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementOfFinancialPositionAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract" xlink:to="lab_us-gaap_StatementOfFinancialPositionAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_DebtInstrumentCovenantDescriptionAdjustmentDomain_019e2838-53e6-7e10-8227-32f9804dcc21_terseLabel_en-US" xlink:label="lab_foa_DebtInstrumentCovenantDescriptionAdjustmentDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt Instrument Covenant Description Adjustment [Domain]</link:label>
    <link:label id="lab_foa_DebtInstrumentCovenantDescriptionAdjustmentDomain_label_en-US" xlink:label="lab_foa_DebtInstrumentCovenantDescriptionAdjustmentDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument Covenant Description Adjustment [Domain]</link:label>
    <link:label id="lab_foa_DebtInstrumentCovenantDescriptionAdjustmentDomain_documentation_en-US" xlink:label="lab_foa_DebtInstrumentCovenantDescriptionAdjustmentDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Debt Instrument Covenant Description Adjustment [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_DebtInstrumentCovenantDescriptionAdjustmentDomain" xlink:href="foa-20260630.xsd#foa_DebtInstrumentCovenantDescriptionAdjustmentDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_DebtInstrumentCovenantDescriptionAdjustmentDomain" xlink:to="lab_foa_DebtInstrumentCovenantDescriptionAdjustmentDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_NetWorth_019e2838-53e6-7988-9f45-f0d5ba5e7459_terseLabel_en-US" xlink:label="lab_foa_NetWorth" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net worth</link:label>
    <link:label id="lab_foa_NetWorth_label_en-US" xlink:label="lab_foa_NetWorth" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Worth</link:label>
    <link:label id="lab_foa_NetWorth_documentation_en-US" xlink:label="lab_foa_NetWorth" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Net worth.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_NetWorth" xlink:href="foa-20260630.xsd#foa_NetWorth"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_NetWorth" xlink:to="lab_foa_NetWorth" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AwardTmgMnpiDiscTextBlock_terseLabel_en-US" xlink:label="lab_ecd_AwardTmgMnpiDiscTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Award Timing MNPI Disclosure</link:label>
    <link:label id="lab_ecd_AwardTmgMnpiDiscTextBlock_label_en-US" xlink:label="lab_ecd_AwardTmgMnpiDiscTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Award Timing MNPI Disclosure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgMnpiDiscTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AwardTmgMnpiDiscTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AwardTmgMnpiDiscTextBlock" xlink:to="lab_ecd_AwardTmgMnpiDiscTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BasisOfAccountingPolicyPolicyTextBlock_019e2838-54b4-7c3d-a989-ce1a57409864_terseLabel_en-US" xlink:label="lab_us-gaap_BasisOfAccountingPolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Basis of Presentation</link:label>
    <link:label id="lab_us-gaap_BasisOfAccountingPolicyPolicyTextBlock_label_en-US" xlink:label="lab_us-gaap_BasisOfAccountingPolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Basis of Accounting, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BasisOfAccountingPolicyPolicyTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BasisOfAccountingPolicyPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BasisOfAccountingPolicyPolicyTextBlock" xlink:to="lab_us-gaap_BasisOfAccountingPolicyPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock_019e2838-5555-7a75-8667-a2e129682039_negatedLabel_en-US" xlink:label="lab_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Dividends paid on Preferred Stock</link:label>
    <link:label id="lab_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock_label_en-US" xlink:label="lab_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payments of Ordinary Dividends, Preferred Stock and Preference Stock</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock" xlink:to="lab_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StatementClassOfStockAxis_019e2838-5555-7548-a990-6d5b92ce7864_terseLabel_en-US" xlink:label="lab_us-gaap_StatementClassOfStockAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Class of Stock [Axis]</link:label>
    <link:label id="lab_us-gaap_StatementClassOfStockAxis_label_en-US" xlink:label="lab_us-gaap_StatementClassOfStockAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Class of Stock [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StatementClassOfStockAxis" xlink:to="lab_us-gaap_StatementClassOfStockAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_ReverseMortgageLoansNonAgencyReverseMortgagesMember_019e2838-54b4-740f-a2d1-a17ab190d8c3_terseLabel_en-US" xlink:label="lab_foa_ReverseMortgageLoansNonAgencyReverseMortgagesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-agency reverse mortgages</link:label>
    <link:label id="lab_foa_ReverseMortgageLoansNonAgencyReverseMortgagesMember_label_en-US" xlink:label="lab_foa_ReverseMortgageLoansNonAgencyReverseMortgagesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reverse Mortgage Loans, Non-agency Reverse Mortgages [Member]</link:label>
    <link:label id="lab_foa_ReverseMortgageLoansNonAgencyReverseMortgagesMember_documentation_en-US" xlink:label="lab_foa_ReverseMortgageLoansNonAgencyReverseMortgagesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Non-agency&#160;reverse mortgages .</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_ReverseMortgageLoansNonAgencyReverseMortgagesMember" xlink:href="foa-20260630.xsd#foa_ReverseMortgageLoansNonAgencyReverseMortgagesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_ReverseMortgageLoansNonAgencyReverseMortgagesMember" xlink:to="lab_foa_ReverseMortgageLoansNonAgencyReverseMortgagesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_PeerGroupTotalShareholderRtnAmt_terseLabel_en-US" xlink:label="lab_ecd_PeerGroupTotalShareholderRtnAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Peer Group Total Shareholder Return Amount</link:label>
    <link:label id="lab_ecd_PeerGroupTotalShareholderRtnAmt_label_en-US" xlink:label="lab_ecd_PeerGroupTotalShareholderRtnAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Peer Group Total Shareholder Return Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeerGroupTotalShareholderRtnAmt" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_PeerGroupTotalShareholderRtnAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_PeerGroupTotalShareholderRtnAmt" xlink:to="lab_ecd_PeerGroupTotalShareholderRtnAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_019e2838-54b4-7f9d-9839-cc8fd147c83c_terseLabel_en-US" xlink:label="lab_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net income from continuing operations attributable to holders of Class A Common Stock - basic</link:label>
    <link:label id="lab_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_label_en-US" xlink:label="lab_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Income (Loss) Available to Common Stockholders, Basic</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic" xlink:to="lab_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_LiquidityAndCapitalRequirementsTable_019e2838-54b4-7cae-a833-1ebfd259c7d4_terseLabel_en-US" xlink:label="lab_foa_LiquidityAndCapitalRequirementsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Liquidity And Capital Requirements [Table]</link:label>
    <link:label id="lab_foa_LiquidityAndCapitalRequirementsTable_label_en-US" xlink:label="lab_foa_LiquidityAndCapitalRequirementsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liquidity And Capital Requirements [Table]</link:label>
    <link:label id="lab_foa_LiquidityAndCapitalRequirementsTable_documentation_en-US" xlink:label="lab_foa_LiquidityAndCapitalRequirementsTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Liquidity And Capital Requirements [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_LiquidityAndCapitalRequirementsTable" xlink:href="foa-20260630.xsd#foa_LiquidityAndCapitalRequirementsTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_LiquidityAndCapitalRequirementsTable" xlink:to="lab_foa_LiquidityAndCapitalRequirementsTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CapitalUnitClassDomain_019e2838-53e6-7275-8877-f1122a25baa0_terseLabel_en-US" xlink:label="lab_us-gaap_CapitalUnitClassDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Capital Unit, Class [Domain]</link:label>
    <link:label id="lab_us-gaap_CapitalUnitClassDomain_label_en-US" xlink:label="lab_us-gaap_CapitalUnitClassDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Capital Unit, Class [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalUnitClassDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CapitalUnitClassDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CapitalUnitClassDomain" xlink:to="lab_us-gaap_CapitalUnitClassDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueInputsLevel2Member_019e2838-53e6-7efd-8626-93e7b12610ec_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueInputsLevel2Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Level 2</link:label>
    <link:label id="lab_us-gaap_FairValueInputsLevel2Member_label_en-US" xlink:label="lab_us-gaap_FairValueInputsLevel2Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Inputs, Level 2 [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel2Member" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueInputsLevel2Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueInputsLevel2Member" xlink:to="lab_us-gaap_FairValueInputsLevel2Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_TotalShareholderRtnVsPeerGroupTextBlock_terseLabel_en-US" xlink:label="lab_ecd_TotalShareholderRtnVsPeerGroupTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total Shareholder Return Vs Peer Group</link:label>
    <link:label id="lab_ecd_TotalShareholderRtnVsPeerGroupTextBlock_label_en-US" xlink:label="lab_ecd_TotalShareholderRtnVsPeerGroupTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Total Shareholder Return Vs Peer Group [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TotalShareholderRtnVsPeerGroupTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_TotalShareholderRtnVsPeerGroupTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_TotalShareholderRtnVsPeerGroupTextBlock" xlink:to="lab_ecd_TotalShareholderRtnVsPeerGroupTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_019e2838-53e6-7b05-ac02-c80fce279920_terseLabel_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total Capacity</link:label>
    <link:label id="lab_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_019e2838-53e6-7720-9d6a-41cc1f8cd8f7_verboseLabel_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Maximum borrowing capacity</link:label>
    <link:label id="lab_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_label_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Line of Credit Facility, Maximum Borrowing Capacity</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity" xlink:to="lab_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_NonRule10b51ArrTrmntdFlag_terseLabel_en-US" xlink:label="lab_ecd_NonRule10b51ArrTrmntdFlag" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-Rule 10b5-1 Arrangement Terminated</link:label>
    <link:label id="lab_ecd_NonRule10b51ArrTrmntdFlag_label_en-US" xlink:label="lab_ecd_NonRule10b51ArrTrmntdFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-Rule 10b5-1 Arrangement Terminated [Flag]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonRule10b51ArrTrmntdFlag" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_NonRule10b51ArrTrmntdFlag"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_NonRule10b51ArrTrmntdFlag" xlink:to="lab_ecd_NonRule10b51ArrTrmntdFlag" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_ReallocationOfNetIncomeLossFromContinuingOperationsAssumingExchangeOfStock_019e2838-5555-7f64-8baa-890e8e75cc92_terseLabel_en-US" xlink:label="lab_foa_ReallocationOfNetIncomeLossFromContinuingOperationsAssumingExchangeOfStock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reallocation of net income (loss) from continuing operations assuming exchange or conversion of Class A LLC Units, Exchangeable Secured Notes, Convertible Notes, and Preferred Stock</link:label>
    <link:label id="lab_foa_ReallocationOfNetIncomeLossFromContinuingOperationsAssumingExchangeOfStock_label_en-US" xlink:label="lab_foa_ReallocationOfNetIncomeLossFromContinuingOperationsAssumingExchangeOfStock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reallocation Of Net Income (Loss) From Continuing Operations Assuming Exchange Of Stock</link:label>
    <link:label id="lab_foa_ReallocationOfNetIncomeLossFromContinuingOperationsAssumingExchangeOfStock_documentation_en-US" xlink:label="lab_foa_ReallocationOfNetIncomeLossFromContinuingOperationsAssumingExchangeOfStock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Reallocation of net income assuming exchange.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_ReallocationOfNetIncomeLossFromContinuingOperationsAssumingExchangeOfStock" xlink:href="foa-20260630.xsd#foa_ReallocationOfNetIncomeLossFromContinuingOperationsAssumingExchangeOfStock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_ReallocationOfNetIncomeLossFromContinuingOperationsAssumingExchangeOfStock" xlink:to="lab_foa_ReallocationOfNetIncomeLossFromContinuingOperationsAssumingExchangeOfStock" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_ReverseMortgageLoansReclassifiedAsGovernmentGuaranteedReceivableMember_019e2838-54b4-7bf6-abc0-9b6ff4f69890_terseLabel_en-US" xlink:label="lab_foa_ReverseMortgageLoansReclassifiedAsGovernmentGuaranteedReceivableMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans reclassified as government guaranteed receivable</link:label>
    <link:label id="lab_foa_ReverseMortgageLoansReclassifiedAsGovernmentGuaranteedReceivableMember_label_en-US" xlink:label="lab_foa_ReverseMortgageLoansReclassifiedAsGovernmentGuaranteedReceivableMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reverse Mortgage Loans, Reclassified As Government Guaranteed Receivable [Member]</link:label>
    <link:label id="lab_foa_ReverseMortgageLoansReclassifiedAsGovernmentGuaranteedReceivableMember_documentation_en-US" xlink:label="lab_foa_ReverseMortgageLoansReclassifiedAsGovernmentGuaranteedReceivableMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans reclassified as government guaranteed receivable .</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_ReverseMortgageLoansReclassifiedAsGovernmentGuaranteedReceivableMember" xlink:href="foa-20260630.xsd#foa_ReverseMortgageLoansReclassifiedAsGovernmentGuaranteedReceivableMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_ReverseMortgageLoansReclassifiedAsGovernmentGuaranteedReceivableMember" xlink:to="lab_foa_ReverseMortgageLoansReclassifiedAsGovernmentGuaranteedReceivableMember" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_ReverseMortgageLoansUnpoolableHECMLoansMember_019e2838-54b4-78d6-8b2a-96277622a18b_terseLabel_en-US" xlink:label="lab_foa_ReverseMortgageLoansUnpoolableHECMLoansMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Unpoolable HECM loans</link:label>
    <link:label id="lab_foa_ReverseMortgageLoansUnpoolableHECMLoansMember_label_en-US" xlink:label="lab_foa_ReverseMortgageLoansUnpoolableHECMLoansMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reverse Mortgage Loans, Unpoolable HECM Loans [Member]</link:label>
    <link:label id="lab_foa_ReverseMortgageLoansUnpoolableHECMLoansMember_documentation_en-US" xlink:label="lab_foa_ReverseMortgageLoansUnpoolableHECMLoansMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Unpoolable loans .</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_ReverseMortgageLoansUnpoolableHECMLoansMember" xlink:href="foa-20260630.xsd#foa_ReverseMortgageLoansUnpoolableHECMLoansMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_ReverseMortgageLoansUnpoolableHECMLoansMember" xlink:to="lab_foa_ReverseMortgageLoansUnpoolableHECMLoansMember" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_ForwardSaleContractDilutiveShares_019e2838-54b4-748c-87c3-9095a6ea434a_terseLabel_en-US" xlink:label="lab_foa_ForwardSaleContractDilutiveShares" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Additional dilutive shares under the treasury stock method (in shares)</link:label>
    <link:label id="lab_foa_ForwardSaleContractDilutiveShares_label_en-US" xlink:label="lab_foa_ForwardSaleContractDilutiveShares" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Forward Sale Contract, Dilutive Shares</link:label>
    <link:label id="lab_foa_ForwardSaleContractDilutiveShares_documentation_en-US" xlink:label="lab_foa_ForwardSaleContractDilutiveShares" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Forward Sale Contract, Dilutive Shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_ForwardSaleContractDilutiveShares" xlink:href="foa-20260630.xsd#foa_ForwardSaleContractDilutiveShares"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_ForwardSaleContractDilutiveShares" xlink:to="lab_foa_ForwardSaleContractDilutiveShares" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SubsequentEventTypeAxis_019e2838-54b4-7dc8-afb3-d7ae9f8c23f2_terseLabel_en-US" xlink:label="lab_us-gaap_SubsequentEventTypeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subsequent Event Type [Axis]</link:label>
    <link:label id="lab_us-gaap_SubsequentEventTypeAxis_label_en-US" xlink:label="lab_us-gaap_SubsequentEventTypeAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subsequent Event Type [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventTypeAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SubsequentEventTypeAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SubsequentEventTypeAxis" xlink:to="lab_us-gaap_SubsequentEventTypeAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_MortgageLoansInProcessTransferredToUnconsolidatedSecuritizationTrustsAmount_019e2838-53e6-7987-bde5-01ad4746b330_terseLabel_en-US" xlink:label="lab_foa_MortgageLoansInProcessTransferredToUnconsolidatedSecuritizationTrustsAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mortgage loans transferred to unconsolidated securitization trusts amount</link:label>
    <link:label id="lab_foa_MortgageLoansInProcessTransferredToUnconsolidatedSecuritizationTrustsAmount_label_en-US" xlink:label="lab_foa_MortgageLoansInProcessTransferredToUnconsolidatedSecuritizationTrustsAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mortgage Loans In Process Transferred To Unconsolidated Securitization Trusts, Amount</link:label>
    <link:label id="lab_foa_MortgageLoansInProcessTransferredToUnconsolidatedSecuritizationTrustsAmount_documentation_en-US" xlink:label="lab_foa_MortgageLoansInProcessTransferredToUnconsolidatedSecuritizationTrustsAmount" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"></link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_MortgageLoansInProcessTransferredToUnconsolidatedSecuritizationTrustsAmount" xlink:href="foa-20260630.xsd#foa_MortgageLoansInProcessTransferredToUnconsolidatedSecuritizationTrustsAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_MortgageLoansInProcessTransferredToUnconsolidatedSecuritizationTrustsAmount" xlink:to="lab_foa_MortgageLoansInProcessTransferredToUnconsolidatedSecuritizationTrustsAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtInstrumentTable_019e2838-5556-7df4-8cd4-cc00c4c94d57_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Long-term Debt Instruments [Table]</link:label>
    <link:label id="lab_us-gaap_DebtInstrumentTable_label_en-US" xlink:label="lab_us-gaap_DebtInstrumentTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Long-Term Debt Instruments [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTable" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtInstrumentTable" xlink:to="lab_us-gaap_DebtInstrumentTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock_019e2838-5555-7920-9233-0a78d13da666_terseLabel_en-US" xlink:label="lab_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Recently Adopted Accounting Guidance and Recently Issued Accounting Guidance, Not Yet Adopted</link:label>
    <link:label id="lab_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock_label_en-US" xlink:label="lab_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">New Accounting Pronouncements, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xlink:to="lab_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_FairValueOptionLoansHeldForInvestmentUnpaidPrincipalBalance_019e2838-5555-7dab-83bc-4d3c6fd035ed_terseLabel_en-US" xlink:label="lab_foa_FairValueOptionLoansHeldForInvestmentUnpaidPrincipalBalance" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans held for investment, UBP</link:label>
    <link:label id="lab_foa_FairValueOptionLoansHeldForInvestmentUnpaidPrincipalBalance_019e2838-5555-709a-84b3-43062fcb871e_verboseLabel_en-US" xlink:label="lab_foa_FairValueOptionLoansHeldForInvestmentUnpaidPrincipalBalance" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Loans held for investment</link:label>
    <link:label id="lab_foa_FairValueOptionLoansHeldForInvestmentUnpaidPrincipalBalance_label_en-US" xlink:label="lab_foa_FairValueOptionLoansHeldForInvestmentUnpaidPrincipalBalance" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Option, Loans Held-For-Investment, Unpaid Principal Balance</link:label>
    <link:label id="lab_foa_FairValueOptionLoansHeldForInvestmentUnpaidPrincipalBalance_documentation_en-US" xlink:label="lab_foa_FairValueOptionLoansHeldForInvestmentUnpaidPrincipalBalance" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Fair Value, Option, Loans Held-For-Investment, Unpaid Principal Balance</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_FairValueOptionLoansHeldForInvestmentUnpaidPrincipalBalance" xlink:href="foa-20260630.xsd#foa_FairValueOptionLoansHeldForInvestmentUnpaidPrincipalBalance"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_FairValueOptionLoansHeldForInvestmentUnpaidPrincipalBalance" xlink:to="lab_foa_FairValueOptionLoansHeldForInvestmentUnpaidPrincipalBalance" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_ShareRepurchaseProgramPurchasePricePerShareFixedAnnumRatePercentageOfMonthlyAccrual_019e2838-54b4-7c4a-ac42-b49809280322_terseLabel_en-US" xlink:label="lab_foa_ShareRepurchaseProgramPurchasePricePerShareFixedAnnumRatePercentageOfMonthlyAccrual" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Share repurchase program, purchase price per share, fixed annum rate, percentage of monthly accrual (as a percent)</link:label>
    <link:label id="lab_foa_ShareRepurchaseProgramPurchasePricePerShareFixedAnnumRatePercentageOfMonthlyAccrual_label_en-US" xlink:label="lab_foa_ShareRepurchaseProgramPurchasePricePerShareFixedAnnumRatePercentageOfMonthlyAccrual" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share Repurchase Program, Purchase Price Per Share, Fixed Annum Rate, Percentage Of Monthly Accrual</link:label>
    <link:label id="lab_foa_ShareRepurchaseProgramPurchasePricePerShareFixedAnnumRatePercentageOfMonthlyAccrual_documentation_en-US" xlink:label="lab_foa_ShareRepurchaseProgramPurchasePricePerShareFixedAnnumRatePercentageOfMonthlyAccrual" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Share Repurchase Program, Purchase Price Per Share, Fixed Annum Rate, Percentage Of Monthly Accrual</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_ShareRepurchaseProgramPurchasePricePerShareFixedAnnumRatePercentageOfMonthlyAccrual" xlink:href="foa-20260630.xsd#foa_ShareRepurchaseProgramPurchasePricePerShareFixedAnnumRatePercentageOfMonthlyAccrual"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_ShareRepurchaseProgramPurchasePricePerShareFixedAnnumRatePercentageOfMonthlyAccrual" xlink:to="lab_foa_ShareRepurchaseProgramPurchasePricePerShareFixedAnnumRatePercentageOfMonthlyAccrual" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_AssetAcquisitionAssetsOther_019f93ac-638c-7013-b211-282598457dcc_terseLabel_en-US" xlink:label="lab_foa_AssetAcquisitionAssetsOther" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other assets</link:label>
    <link:label id="lab_foa_AssetAcquisitionAssetsOther_label_en-US" xlink:label="lab_foa_AssetAcquisitionAssetsOther" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Asset Acquisition, Assets, Other</link:label>
    <link:label id="lab_foa_AssetAcquisitionAssetsOther_documentation_en-US" xlink:label="lab_foa_AssetAcquisitionAssetsOther" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Asset Acquisition, Assets, Other</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_AssetAcquisitionAssetsOther" xlink:href="foa-20260630.xsd#foa_AssetAcquisitionAssetsOther"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_AssetAcquisitionAssetsOther" xlink:to="lab_foa_AssetAcquisitionAssetsOther" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock_019e2838-54b4-7094-8c3e-d48ff836036e_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Financial Information By Segment</link:label>
    <link:label id="lab_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Segment Reporting [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock" xlink:to="lab_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NoncontrollingInterestMember_019e2838-55e6-78dc-9cbb-639b9635a069_terseLabel_en-US" xlink:label="lab_us-gaap_NoncontrollingInterestMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Noncontrolling Interest</link:label>
    <link:label id="lab_us-gaap_NoncontrollingInterestMember_label_en-US" xlink:label="lab_us-gaap_NoncontrollingInterestMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Noncontrolling Interest [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoncontrollingInterestMember" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NoncontrollingInterestMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NoncontrollingInterestMember" xlink:to="lab_us-gaap_NoncontrollingInterestMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_UseOfEstimates_019e2838-53e6-7ad7-ba7c-6b5e3d1eed16_terseLabel_en-US" xlink:label="lab_us-gaap_UseOfEstimates" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Use of Estimates</link:label>
    <link:label id="lab_us-gaap_UseOfEstimates_label_en-US" xlink:label="lab_us-gaap_UseOfEstimates" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Use of Estimates, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UseOfEstimates" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_UseOfEstimates"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_UseOfEstimates" xlink:to="lab_us-gaap_UseOfEstimates" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AssetAcquisitionTextBlock_019f68eb-63dc-76b0-b77f-8d02358a82f4_terseLabel_en-US" xlink:label="lab_us-gaap_AssetAcquisitionTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Asset Acquisition</link:label>
    <link:label id="lab_us-gaap_AssetAcquisitionTextBlock_label_en-US" xlink:label="lab_us-gaap_AssetAcquisitionTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Asset Acquisition [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetAcquisitionTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AssetAcquisitionTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AssetAcquisitionTextBlock" xlink:to="lab_us-gaap_AssetAcquisitionTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ConvertiblePreferredDividendsNetOfTax_019e2838-5556-7cd6-8596-e98d161f4092_terseLabel_en-US" xlink:label="lab_us-gaap_ConvertiblePreferredDividendsNetOfTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Preferred Stock dividends</link:label>
    <link:label id="lab_us-gaap_ConvertiblePreferredDividendsNetOfTax_label_en-US" xlink:label="lab_us-gaap_ConvertiblePreferredDividendsNetOfTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Convertible Preferred Dividends, Net of Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConvertiblePreferredDividendsNetOfTax" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ConvertiblePreferredDividendsNetOfTax"/>
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    <link:label id="lab_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis_019e2838-5555-72a5-b88d-a03c61d83a87_terseLabel_en-US" xlink:label="lab_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Related Party [Axis]</link:label>
    <link:label id="lab_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis_label_en-US" xlink:label="lab_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Related and Nonrelated Parties [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RelatedPartyTransactionsByRelatedPartyAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis" xlink:to="lab_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock_019e2838-5556-7881-ba65-647380751fb5_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Fair Value Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation</link:label>
    <link:label id="lab_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock_label_en-US" xlink:label="lab_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock" xlink:to="lab_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NetIncomeLossFromDiscontinuedOperationsAvailableToCommonShareholdersDiluted_019e2838-5555-7284-a508-d23a608a6dba_totalLabel_en-US" xlink:label="lab_us-gaap_NetIncomeLossFromDiscontinuedOperationsAvailableToCommonShareholdersDiluted" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net loss from discontinued operations attributable to holders of Class A Common Stock - diluted</link:label>
    <link:label id="lab_us-gaap_NetIncomeLossFromDiscontinuedOperationsAvailableToCommonShareholdersDiluted_label_en-US" xlink:label="lab_us-gaap_NetIncomeLossFromDiscontinuedOperationsAvailableToCommonShareholdersDiluted" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Income (Loss) from Discontinued Operations Available to Common Shareholders, Diluted</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossFromDiscontinuedOperationsAvailableToCommonShareholdersDiluted" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLossFromDiscontinuedOperationsAvailableToCommonShareholdersDiluted"/>
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    <link:label id="lab_foa_FairValueOptionLoansHeldForSaleUnpaidPrincipalBalance_019e2838-55e6-78f2-9542-7f4f14d81e9f_terseLabel_en-US" xlink:label="lab_foa_FairValueOptionLoansHeldForSaleUnpaidPrincipalBalance" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans held for sale, UBP</link:label>
    <link:label id="lab_foa_FairValueOptionLoansHeldForSaleUnpaidPrincipalBalance_019e2838-55e6-767c-b222-b3872a3937fd_verboseLabel_en-US" xlink:label="lab_foa_FairValueOptionLoansHeldForSaleUnpaidPrincipalBalance" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Loans held for sale</link:label>
    <link:label id="lab_foa_FairValueOptionLoansHeldForSaleUnpaidPrincipalBalance_label_en-US" xlink:label="lab_foa_FairValueOptionLoansHeldForSaleUnpaidPrincipalBalance" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Option, Loans Held-For-Sale, Unpaid Principal Balance</link:label>
    <link:label id="lab_foa_FairValueOptionLoansHeldForSaleUnpaidPrincipalBalance_documentation_en-US" xlink:label="lab_foa_FairValueOptionLoansHeldForSaleUnpaidPrincipalBalance" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Fair Value, Option, Loans Held-For-Sale, Unpaid Principal Balance</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_FairValueOptionLoansHeldForSaleUnpaidPrincipalBalance" xlink:href="foa-20260630.xsd#foa_FairValueOptionLoansHeldForSaleUnpaidPrincipalBalance"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_FairValueOptionLoansHeldForSaleUnpaidPrincipalBalance" xlink:to="lab_foa_FairValueOptionLoansHeldForSaleUnpaidPrincipalBalance" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LongTermDebt_019e2838-5556-76c4-971a-d4ffaf3f9f69_totalLabel_en-US" xlink:label="lab_us-gaap_LongTermDebt" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total notes payable</link:label>
    <link:label id="lab_us-gaap_LongTermDebt_label_en-US" xlink:label="lab_us-gaap_LongTermDebt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Long-Term Debt</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebt" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongTermDebt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LongTermDebt" xlink:to="lab_us-gaap_LongTermDebt" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_DebtInstrumentCovenantDescriptionTableTextBlock_019e2838-54b4-7491-9677-ab0af22999dc_terseLabel_en-US" xlink:label="lab_foa_DebtInstrumentCovenantDescriptionTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Maximum Allowable Distributions Based on the Most Restrictive Financial Covenant Ratios</link:label>
    <link:label id="lab_foa_DebtInstrumentCovenantDescriptionTableTextBlock_label_en-US" xlink:label="lab_foa_DebtInstrumentCovenantDescriptionTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument Covenant Description [Table Text Block]</link:label>
    <link:label id="lab_foa_DebtInstrumentCovenantDescriptionTableTextBlock_documentation_en-US" xlink:label="lab_foa_DebtInstrumentCovenantDescriptionTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Debt instrument covenant description.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_DebtInstrumentCovenantDescriptionTableTextBlock" xlink:href="foa-20260630.xsd#foa_DebtInstrumentCovenantDescriptionTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_DebtInstrumentCovenantDescriptionTableTextBlock" xlink:to="lab_foa_DebtInstrumentCovenantDescriptionTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_FairValueOptionLoansHeldForInvestmentAcquired_019e2838-53e6-78b3-a44d-1576f1b6c061_terseLabel_en-US" xlink:label="lab_foa_FairValueOptionLoansHeldForInvestmentAcquired" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-cash investing activities: Loans held for investment acquired</link:label>
    <link:label id="lab_foa_FairValueOptionLoansHeldForInvestmentAcquired_label_en-US" xlink:label="lab_foa_FairValueOptionLoansHeldForInvestmentAcquired" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Option, Loans-Held-For-Investment Acquired</link:label>
    <link:label id="lab_foa_FairValueOptionLoansHeldForInvestmentAcquired_documentation_en-US" xlink:label="lab_foa_FairValueOptionLoansHeldForInvestmentAcquired" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Fair Value, Option, Loans-Held-For-Investment Acquired</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_FairValueOptionLoansHeldForInvestmentAcquired" xlink:href="foa-20260630.xsd#foa_FairValueOptionLoansHeldForInvestmentAcquired"/>
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    <link:label id="lab_us-gaap_RelatedPartyTransactionRate_019e2838-5555-7e37-962c-23c06042b719_terseLabel_en-US" xlink:label="lab_us-gaap_RelatedPartyTransactionRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest rate (in percent)</link:label>
    <link:label id="lab_us-gaap_RelatedPartyTransactionRate_label_en-US" xlink:label="lab_us-gaap_RelatedPartyTransactionRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Related Party Transaction, Rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyTransactionRate" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RelatedPartyTransactionRate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RelatedPartyTransactionRate" xlink:to="lab_us-gaap_RelatedPartyTransactionRate" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_PercentageOfOutstandingPrincipalBalanceOfHecmIsEqualToOrGreaterThanMca._019e2838-54b4-7f59-b130-d6c6167e93c8_terseLabel_en-US" xlink:label="lab_foa_PercentageOfOutstandingPrincipalBalanceOfHecmIsEqualToOrGreaterThanMca." xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Outstanding principal balance of HECM is equal to or greater than MCA (in percent)</link:label>
    <link:label id="lab_foa_PercentageOfOutstandingPrincipalBalanceOfHecmIsEqualToOrGreaterThanMca._label_en-US" xlink:label="lab_foa_PercentageOfOutstandingPrincipalBalanceOfHecmIsEqualToOrGreaterThanMca." xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage of Outstanding Principal Balance of HECM is Equal to or Greater Than MCA.</link:label>
    <link:label id="lab_foa_PercentageOfOutstandingPrincipalBalanceOfHecmIsEqualToOrGreaterThanMca._documentation_en-US" xlink:label="lab_foa_PercentageOfOutstandingPrincipalBalanceOfHecmIsEqualToOrGreaterThanMca." xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percentage of outstanding principal balance of HECM is equal to or greater than MCA.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_PercentageOfOutstandingPrincipalBalanceOfHecmIsEqualToOrGreaterThanMca." xlink:href="foa-20260630.xsd#foa_PercentageOfOutstandingPrincipalBalanceOfHecmIsEqualToOrGreaterThanMca."/>
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    <link:label id="lab_us-gaap_NetIncomeLossFromDiscontinuedOperationsAvailableToCommonShareholdersBasic_019e2838-54b4-7df0-a368-555187046427_terseLabel_en-US" xlink:label="lab_us-gaap_NetIncomeLossFromDiscontinuedOperationsAvailableToCommonShareholdersBasic" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net loss from discontinued operations attributable to holders of Class A Common Stock - basic</link:label>
    <link:label id="lab_us-gaap_NetIncomeLossFromDiscontinuedOperationsAvailableToCommonShareholdersBasic_label_en-US" xlink:label="lab_us-gaap_NetIncomeLossFromDiscontinuedOperationsAvailableToCommonShareholdersBasic" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Income (Loss) from Discontinued Operations Available to Common Shareholders, Basic</link:label>
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    <link:label id="lab_dei_DocumentPeriodEndDate_019e2838-5555-7e4e-aa0e-ab02fe94ece2_terseLabel_en-US" xlink:label="lab_dei_DocumentPeriodEndDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Document Period End Date</link:label>
    <link:label id="lab_dei_DocumentPeriodEndDate_label_en-US" xlink:label="lab_dei_DocumentPeriodEndDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Period End Date</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentPeriodEndDate" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_DocumentPeriodEndDate"/>
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    <link:label id="lab_us-gaap_NetCashProvidedByUsedInInvestingActivities_019e2838-54b4-7435-aeda-7f7df47a77df_totalLabel_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net cash provided by investing activities</link:label>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInInvestingActivities_label_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash Provided by (Used in) Investing Activity, Including Discontinued Operation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:to="lab_us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SecuritiesLoanedOrSoldUnderAgreementsToRepurchaseFairValueDisclosure_019e2838-5556-7aa7-9a48-a00e5b3ddbd9_terseLabel_en-US" xlink:label="lab_us-gaap_SecuritiesLoanedOrSoldUnderAgreementsToRepurchaseFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Nonrecourse debt, at fair value</link:label>
    <link:label id="lab_us-gaap_SecuritiesLoanedOrSoldUnderAgreementsToRepurchaseFairValueDisclosure_019e2838-5556-73e3-aa57-3a5aae6546e3_verboseLabel_en-US" xlink:label="lab_us-gaap_SecuritiesLoanedOrSoldUnderAgreementsToRepurchaseFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Nonrecourse debt, at fair value</link:label>
    <link:label id="lab_us-gaap_SecuritiesLoanedOrSoldUnderAgreementsToRepurchaseFairValueDisclosure_019e2838-5556-7c6d-b28b-cc32cb3bf67b_totalLabel_en-US" xlink:label="lab_us-gaap_SecuritiesLoanedOrSoldUnderAgreementsToRepurchaseFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total nonrecourse debt, at fair value</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesLoanedOrSoldUnderAgreementsToRepurchaseFairValueDisclosure" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SecuritiesLoanedOrSoldUnderAgreementsToRepurchaseFairValueDisclosure"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SecuritiesLoanedOrSoldUnderAgreementsToRepurchaseFairValueDisclosure" xlink:to="lab_us-gaap_SecuritiesLoanedOrSoldUnderAgreementsToRepurchaseFairValueDisclosure" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember_terseLabel_en-US" xlink:label="lab_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity Awards Adjustments, Excluding Value Reported in Compensation Table</link:label>
    <link:label id="lab_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember_label_en-US" xlink:label="lab_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity Awards Adjustments, Excluding Value Reported in the Compensation Table [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:to="lab_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PreferredStockSharesOutstanding_019e2838-54b4-71df-aaec-285c15f7b8e4_terseLabel_en-US" xlink:label="lab_us-gaap_PreferredStockSharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Preferred stock, outstanding (in shares)</link:label>
    <link:label id="lab_us-gaap_PreferredStockSharesOutstanding_019e2838-54b4-7506-9ec8-8926112622f2_periodStartLabel_en-US" xlink:label="lab_us-gaap_PreferredStockSharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Beginning balance (in shares)</link:label>
    <link:label id="lab_us-gaap_PreferredStockSharesOutstanding_019e2838-54b4-7f8d-8994-c4eb52812f33_periodEndLabel_en-US" xlink:label="lab_us-gaap_PreferredStockSharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Ending balance (in shares)</link:label>
    <link:label id="lab_us-gaap_PreferredStockSharesOutstanding_label_en-US" xlink:label="lab_us-gaap_PreferredStockSharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Preferred Stock, Shares Outstanding</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockSharesOutstanding" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PreferredStockSharesOutstanding"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PreferredStockSharesOutstanding" xlink:to="lab_us-gaap_PreferredStockSharesOutstanding" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtInstrumentFaceAmount_019e2838-54b4-7fe7-b912-e05271d655dc_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentFaceAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Original Issue Amount</link:label>
    <link:label id="lab_us-gaap_DebtInstrumentFaceAmount_label_en-US" xlink:label="lab_us-gaap_DebtInstrumentFaceAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument, Face Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentFaceAmount" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentFaceAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtInstrumentFaceAmount" xlink:to="lab_us-gaap_DebtInstrumentFaceAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EarningsPerShareBasicAbstract_019e2838-54b4-74d0-9090-72c53e129176_terseLabel_en-US" xlink:label="lab_us-gaap_EarningsPerShareBasicAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Basic earnings (loss) per share</link:label>
    <link:label id="lab_us-gaap_EarningsPerShareBasicAbstract_label_en-US" xlink:label="lab_us-gaap_EarningsPerShareBasicAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Earnings Per Share, Basic [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareBasicAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EarningsPerShareBasicAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EarningsPerShareBasicAbstract" xlink:to="lab_us-gaap_EarningsPerShareBasicAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RetainedInterestMember_019e2838-54b4-7f73-9f4f-dd58771d3398_terseLabel_en-US" xlink:label="lab_us-gaap_RetainedInterestMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Retained interests</link:label>
    <link:label id="lab_us-gaap_RetainedInterestMember_label_en-US" xlink:label="lab_us-gaap_RetainedInterestMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Retained Interest [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedInterestMember" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RetainedInterestMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RetainedInterestMember" xlink:to="lab_us-gaap_RetainedInterestMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CostsAndExpensesAbstract_019e2838-53e6-7ca0-9894-43642cc01323_terseLabel_en-US" xlink:label="lab_us-gaap_CostsAndExpensesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">EXPENSES</link:label>
    <link:label id="lab_us-gaap_CostsAndExpensesAbstract_019e2838-53e6-7aee-a3a9-6e3f286d929c_verboseLabel_en-US" xlink:label="lab_us-gaap_CostsAndExpensesAbstract" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Expenses</link:label>
    <link:label id="lab_us-gaap_CostsAndExpensesAbstract_label_en-US" xlink:label="lab_us-gaap_CostsAndExpensesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Costs and Expenses [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CostsAndExpensesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CostsAndExpensesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CostsAndExpensesAbstract" xlink:to="lab_us-gaap_CostsAndExpensesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_SecurityExchangeName_019e2838-54b4-7043-b874-0e497ee6658d_terseLabel_en-US" xlink:label="lab_dei_SecurityExchangeName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Security Exchange Name</link:label>
    <link:label id="lab_dei_SecurityExchangeName_label_en-US" xlink:label="lab_dei_SecurityExchangeName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Security Exchange Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_SecurityExchangeName" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_SecurityExchangeName"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_SecurityExchangeName" xlink:to="lab_dei_SecurityExchangeName" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_PercentageRangeAxis_019e2838-54b4-7083-a71a-823fb0942a9a_terseLabel_en-US" xlink:label="lab_foa_PercentageRangeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">PercentageRange [Axis]</link:label>
    <link:label id="lab_foa_PercentageRangeAxis_label_en-US" xlink:label="lab_foa_PercentageRangeAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage Range [Axis]</link:label>
    <link:label id="lab_foa_PercentageRangeAxis_documentation_en-US" xlink:label="lab_foa_PercentageRangeAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percentage range.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_PercentageRangeAxis" xlink:href="foa-20260630.xsd#foa_PercentageRangeAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_PercentageRangeAxis" xlink:to="lab_foa_PercentageRangeAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ValuationAllowanceDeferredTaxAssetChangeInAmount_019e2838-5556-727e-bd07-d9eb441e3746_terseLabel_en-US" xlink:label="lab_us-gaap_ValuationAllowanceDeferredTaxAssetChangeInAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Valuation allowance, net change, increase (decrease)</link:label>
    <link:label id="lab_us-gaap_ValuationAllowanceDeferredTaxAssetChangeInAmount_label_en-US" xlink:label="lab_us-gaap_ValuationAllowanceDeferredTaxAssetChangeInAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Valuation Allowance, Deferred Tax Asset, Increase (Decrease), Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ValuationAllowanceDeferredTaxAssetChangeInAmount" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ValuationAllowanceDeferredTaxAssetChangeInAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ValuationAllowanceDeferredTaxAssetChangeInAmount" xlink:to="lab_us-gaap_ValuationAllowanceDeferredTaxAssetChangeInAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_ProceedsFromIssuanceOfNonrecourseDebt_019e2838-5555-74cb-afbd-879ef9b6fa43_terseLabel_en-US" xlink:label="lab_foa_ProceedsFromIssuanceOfNonrecourseDebt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Proceeds from issuance of nonrecourse debt</link:label>
    <link:label id="lab_foa_ProceedsFromIssuanceOfNonrecourseDebt_label_en-US" xlink:label="lab_foa_ProceedsFromIssuanceOfNonrecourseDebt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds From Issuance Of Nonrecourse Debt</link:label>
    <link:label id="lab_foa_ProceedsFromIssuanceOfNonrecourseDebt_documentation_en-US" xlink:label="lab_foa_ProceedsFromIssuanceOfNonrecourseDebt" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Proceeds from issuance of nonrecourse debt.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_ProceedsFromIssuanceOfNonrecourseDebt" xlink:href="foa-20260630.xsd#foa_ProceedsFromIssuanceOfNonrecourseDebt"/>
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    <link:label id="lab_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToNoncontrollingInterest_019e2838-54b4-7ccb-b5b4-4f5f5352a2d9_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToNoncontrollingInterest" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net loss from discontinued operations attributable to noncontrolling interest</link:label>
    <link:label id="lab_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToNoncontrollingInterest_019e2838-54b4-774a-92ca-36b70bba0039_verboseLabel_en-US" xlink:label="lab_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToNoncontrollingInterest" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Less: Net loss from discontinued operations attributable to noncontrolling interest</link:label>
    <link:label id="lab_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToNoncontrollingInterest_label_en-US" xlink:label="lab_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToNoncontrollingInterest" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income (Loss) from Discontinued Operations, Net of Tax, Attributable to Noncontrolling Interest</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToNoncontrollingInterest" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToNoncontrollingInterest"/>
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    <link:label id="lab_us-gaap_LiabilitiesFairValueDisclosure_019e2838-54b4-7cf5-9858-0056cee51ed9_totalLabel_en-US" xlink:label="lab_us-gaap_LiabilitiesFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total liabilities</link:label>
    <link:label id="lab_us-gaap_LiabilitiesFairValueDisclosure_label_en-US" xlink:label="lab_us-gaap_LiabilitiesFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liabilities, Fair Value Disclosure</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesFairValueDisclosure" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilitiesFairValueDisclosure"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosure" xlink:to="lab_us-gaap_LiabilitiesFairValueDisclosure" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_019e2838-54b4-724d-90a3-df78afcd120c_terseLabel_en-US" xlink:label="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accumulated other comprehensive loss</link:label>
    <link:label id="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_label_en-US" xlink:label="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accumulated Other Comprehensive Income (Loss), Net of Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax"/>
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    <link:label id="lab_dei_EntityShellCompany_019e2838-5556-766d-a19f-7cdeaa1169d9_terseLabel_en-US" xlink:label="lab_dei_EntityShellCompany" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Shell Company</link:label>
    <link:label id="lab_dei_EntityShellCompany_label_en-US" xlink:label="lab_dei_EntityShellCompany" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Shell Company</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityShellCompany" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityShellCompany"/>
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    <link:label id="lab_us-gaap_CommonClassBMember_019e2838-5556-7960-939f-67f622e4427b_verboseLabel_en-US" xlink:label="lab_us-gaap_CommonClassBMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Class B Common Stock</link:label>
    <link:label id="lab_us-gaap_CommonClassBMember_label_en-US" xlink:label="lab_us-gaap_CommonClassBMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Class B [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonClassBMember" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonClassBMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommonClassBMember" xlink:to="lab_us-gaap_CommonClassBMember" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_ConsolidationItemsDomain_019e2838-54b4-7bc2-86d0-584e1da37b76_terseLabel_en-US" xlink:label="lab_srt_ConsolidationItemsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Consolidation Items [Domain]</link:label>
    <link:label id="lab_srt_ConsolidationItemsDomain_label_en-US" xlink:label="lab_srt_ConsolidationItemsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Consolidation Items [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidationItemsDomain" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_ConsolidationItemsDomain"/>
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    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarnings_label_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarnings" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Liability, Gain (Loss) Included in Earnings</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarnings" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarnings"/>
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    <link:label id="lab_foa_AssetAcquisitionLiabilitiesAssumed_019f93b0-ca63-78d5-8b25-00246ec15eef_totalLabel_en-US" xlink:label="lab_foa_AssetAcquisitionLiabilitiesAssumed" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total liabilities assumed</link:label>
    <link:label id="lab_foa_AssetAcquisitionLiabilitiesAssumed_label_en-US" xlink:label="lab_foa_AssetAcquisitionLiabilitiesAssumed" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Asset Acquisition, Liabilities Assumed</link:label>
    <link:label id="lab_foa_AssetAcquisitionLiabilitiesAssumed_documentation_en-US" xlink:label="lab_foa_AssetAcquisitionLiabilitiesAssumed" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Asset Acquisition, Liabilities Assumed</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_AssetAcquisitionLiabilitiesAssumed" xlink:href="foa-20260630.xsd#foa_AssetAcquisitionLiabilitiesAssumed"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_AssetAcquisitionLiabilitiesAssumed" xlink:to="lab_foa_AssetAcquisitionLiabilitiesAssumed" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_NonRecourseDebtNonAgencyReverseMortgageLoanSecuritizationsMember_019e2838-55e6-7147-a8be-743021bfbc8e_terseLabel_en-US" xlink:label="lab_foa_NonRecourseDebtNonAgencyReverseMortgageLoanSecuritizationsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-agency reverse mortgage loan securitizations</link:label>
    <link:label id="lab_foa_NonRecourseDebtNonAgencyReverseMortgageLoanSecuritizationsMember_label_en-US" xlink:label="lab_foa_NonRecourseDebtNonAgencyReverseMortgageLoanSecuritizationsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-Recourse Debt, Non-Agency Reverse Mortgage Loan Securitizations [Member]</link:label>
    <link:label id="lab_foa_NonRecourseDebtNonAgencyReverseMortgageLoanSecuritizationsMember_documentation_en-US" xlink:label="lab_foa_NonRecourseDebtNonAgencyReverseMortgageLoanSecuritizationsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Non-Recourse Debt, Non-Agency Reverse Mortgage Loan Securitizations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_NonRecourseDebtNonAgencyReverseMortgageLoanSecuritizationsMember" xlink:href="foa-20260630.xsd#foa_NonRecourseDebtNonAgencyReverseMortgageLoanSecuritizationsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_NonRecourseDebtNonAgencyReverseMortgageLoanSecuritizationsMember" xlink:to="lab_foa_NonRecourseDebtNonAgencyReverseMortgageLoanSecuritizationsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SegmentReportingPolicyPolicyTextBlock_019e2838-53e6-7da3-901f-c888c9652ab3_terseLabel_en-US" xlink:label="lab_us-gaap_SegmentReportingPolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Business Segment Reporting</link:label>
    <link:label id="lab_us-gaap_SegmentReportingPolicyPolicyTextBlock_label_en-US" xlink:label="lab_us-gaap_SegmentReportingPolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Segment Reporting, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentReportingPolicyPolicyTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SegmentReportingPolicyPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SegmentReportingPolicyPolicyTextBlock" xlink:to="lab_us-gaap_SegmentReportingPolicyPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_label_en-US" xlink:label="lab_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statement of Comprehensive Income [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract" xlink:to="lab_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EarningsPerShareTextBlock_019e2838-5556-766c-b5e1-938f1256f93b_terseLabel_en-US" xlink:label="lab_us-gaap_EarningsPerShareTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Earnings (Loss) Per Share</link:label>
    <link:label id="lab_us-gaap_EarningsPerShareTextBlock_label_en-US" xlink:label="lab_us-gaap_EarningsPerShareTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Earnings Per Share [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EarningsPerShareTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EarningsPerShareTextBlock" xlink:to="lab_us-gaap_EarningsPerShareTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestIncomeExpenseNetAbstract_019e2838-5555-7bb6-93d9-92c236b5ac73_terseLabel_en-US" xlink:label="lab_us-gaap_InterestIncomeExpenseNetAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">PORTFOLIO INTEREST INCOME</link:label>
    <link:label id="lab_us-gaap_InterestIncomeExpenseNetAbstract_019e2838-5555-75f6-bb01-45f9135919c8_verboseLabel_en-US" xlink:label="lab_us-gaap_InterestIncomeExpenseNetAbstract" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Portfolio interest income</link:label>
    <link:label id="lab_us-gaap_InterestIncomeExpenseNetAbstract_label_en-US" xlink:label="lab_us-gaap_InterestIncomeExpenseNetAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Income (Expense), Operating [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseNetAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestIncomeExpenseNetAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestIncomeExpenseNetAbstract" xlink:to="lab_us-gaap_InterestIncomeExpenseNetAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_OutstandingRecoveryIndName_terseLabel_en-US" xlink:label="lab_ecd_OutstandingRecoveryIndName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Name</link:label>
    <link:label id="lab_ecd_OutstandingRecoveryIndName_label_en-US" xlink:label="lab_ecd_OutstandingRecoveryIndName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Outstanding Recovery, Individual Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_OutstandingRecoveryIndName" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_OutstandingRecoveryIndName"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_OutstandingRecoveryIndName" xlink:to="lab_ecd_OutstandingRecoveryIndName" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EarningsPerShareAbstract_019e2838-5555-7c3d-87ff-fc5ec7353c1a_terseLabel_en-US" xlink:label="lab_us-gaap_EarningsPerShareAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">EARNINGS PER SHARE (Note 16)</link:label>
    <link:label id="lab_us-gaap_EarningsPerShareAbstract_label_en-US" xlink:label="lab_us-gaap_EarningsPerShareAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Earnings Per Share [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EarningsPerShareAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EarningsPerShareAbstract" xlink:to="lab_us-gaap_EarningsPerShareAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AwardTmgHowMnpiCnsdrdTextBlock_terseLabel_en-US" xlink:label="lab_ecd_AwardTmgHowMnpiCnsdrdTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Award Timing, How MNPI Considered</link:label>
    <link:label id="lab_ecd_AwardTmgHowMnpiCnsdrdTextBlock_label_en-US" xlink:label="lab_ecd_AwardTmgHowMnpiCnsdrdTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Award Timing, How MNPI Considered [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgHowMnpiCnsdrdTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AwardTmgHowMnpiCnsdrdTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AwardTmgHowMnpiCnsdrdTextBlock" xlink:to="lab_ecd_AwardTmgHowMnpiCnsdrdTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentFiscalPeriodFocus_019e2838-54b4-79ac-8f7a-92705b316c54_terseLabel_en-US" xlink:label="lab_dei_DocumentFiscalPeriodFocus" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Document Fiscal Period Focus</link:label>
    <link:label id="lab_dei_DocumentFiscalPeriodFocus_label_en-US" xlink:label="lab_dei_DocumentFiscalPeriodFocus" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Fiscal Period Focus</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentFiscalPeriodFocus" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_DocumentFiscalPeriodFocus"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentFiscalPeriodFocus" xlink:to="lab_dei_DocumentFiscalPeriodFocus" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_PeerGroupIssuersFnTextBlock_terseLabel_en-US" xlink:label="lab_ecd_PeerGroupIssuersFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Peer Group Issuers, Footnote</link:label>
    <link:label id="lab_ecd_PeerGroupIssuersFnTextBlock_label_en-US" xlink:label="lab_ecd_PeerGroupIssuersFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Peer Group Issuers, Footnote [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeerGroupIssuersFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_PeerGroupIssuersFnTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_PeerGroupIssuersFnTextBlock" xlink:to="lab_ecd_PeerGroupIssuersFnTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_HecmLoansMember_019e2838-54b4-7bfd-a300-7ce75b91234e_terseLabel_en-US" xlink:label="lab_foa_HecmLoansMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">HECM loans</link:label>
    <link:label id="lab_foa_HecmLoansMember_label_en-US" xlink:label="lab_foa_HecmLoansMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">HECM Loans [Member]</link:label>
    <link:label id="lab_foa_HecmLoansMember_documentation_en-US" xlink:label="lab_foa_HecmLoansMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">HECM loans.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_HecmLoansMember" xlink:href="foa-20260630.xsd#foa_HecmLoansMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_HecmLoansMember" xlink:to="lab_foa_HecmLoansMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_Liabilities_019e2838-5555-78f8-80f5-0148cc39c689_totalLabel_en-US" xlink:label="lab_us-gaap_Liabilities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">TOTAL LIABILITIES</link:label>
    <link:label id="lab_us-gaap_Liabilities_019e2838-5555-7c99-b013-57211690c249_terseLabel_en-US" xlink:label="lab_us-gaap_Liabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Liabilities</link:label>
    <link:label id="lab_us-gaap_Liabilities_label_en-US" xlink:label="lab_us-gaap_Liabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Liabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_Liabilities" xlink:to="lab_us-gaap_Liabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_TradingSymbol_019e2838-54b4-7ce8-9a75-751184f574a8_terseLabel_en-US" xlink:label="lab_dei_TradingSymbol" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Trading Symbol</link:label>
    <link:label id="lab_dei_TradingSymbol_label_en-US" xlink:label="lab_dei_TradingSymbol" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trading Symbol</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_TradingSymbol" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_TradingSymbol"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_TradingSymbol" xlink:to="lab_dei_TradingSymbol" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_MinimumNetCapitalRequired1_019e2838-53e6-71e3-bbd0-0306875381b1_terseLabel_en-US" xlink:label="lab_srt_MinimumNetCapitalRequired1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Minimum net capital requirement</link:label>
    <link:label id="lab_srt_MinimumNetCapitalRequired1_label_en-US" xlink:label="lab_srt_MinimumNetCapitalRequired1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Broker-Dealer, Minimum Net Capital Required, Aggregate Indebtedness Standard</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumNetCapitalRequired1" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_MinimumNetCapitalRequired1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_MinimumNetCapitalRequired1" xlink:to="lab_srt_MinimumNetCapitalRequired1" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_MeasurementInputDiscountRateMember_019e2838-55e6-7efe-8285-2c88ae8c93c2_terseLabel_en-US" xlink:label="lab_us-gaap_MeasurementInputDiscountRateMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Discount rate</link:label>
    <link:label id="lab_us-gaap_MeasurementInputDiscountRateMember_label_en-US" xlink:label="lab_us-gaap_MeasurementInputDiscountRateMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Measurement Input, Discount Rate [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputDiscountRateMember" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MeasurementInputDiscountRateMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_MeasurementInputDiscountRateMember" xlink:to="lab_us-gaap_MeasurementInputDiscountRateMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_FrValAsOfPrrYrEndOfEqtyAwrdsGrntdInPrrYrsFldVstngCondsDrngCvrdYrMember_terseLabel_en-US" xlink:label="lab_ecd_FrValAsOfPrrYrEndOfEqtyAwrdsGrntdInPrrYrsFldVstngCondsDrngCvrdYrMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Prior Year End Fair Value of Equity Awards Granted in Any Prior Year that Fail to Meet Applicable Vesting Conditions During Covered Year</link:label>
    <link:label id="lab_ecd_FrValAsOfPrrYrEndOfEqtyAwrdsGrntdInPrrYrsFldVstngCondsDrngCvrdYrMember_label_en-US" xlink:label="lab_ecd_FrValAsOfPrrYrEndOfEqtyAwrdsGrntdInPrrYrsFldVstngCondsDrngCvrdYrMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Prior Year End Fair Value of Equity Awards Granted in Any Prior Year that Fail to Meet Applicable Vesting Conditions During Covered Year [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_FrValAsOfPrrYrEndOfEqtyAwrdsGrntdInPrrYrsFldVstngCondsDrngCvrdYrMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_FrValAsOfPrrYrEndOfEqtyAwrdsGrntdInPrrYrsFldVstngCondsDrngCvrdYrMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_FrValAsOfPrrYrEndOfEqtyAwrdsGrntdInPrrYrsFldVstngCondsDrngCvrdYrMember" xlink:to="lab_ecd_FrValAsOfPrrYrEndOfEqtyAwrdsGrntdInPrrYrsFldVstngCondsDrngCvrdYrMember" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_TrustDomain_019e2838-54b4-70b4-8524-61467f66cf37_terseLabel_en-US" xlink:label="lab_foa_TrustDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Trust [Domain]</link:label>
    <link:label id="lab_foa_TrustDomain_label_en-US" xlink:label="lab_foa_TrustDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trust [Domain]</link:label>
    <link:label id="lab_foa_TrustDomain_documentation_en-US" xlink:label="lab_foa_TrustDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Trust [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_TrustDomain" xlink:href="foa-20260630.xsd#foa_TrustDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_TrustDomain" xlink:to="lab_foa_TrustDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_PnsnAdjsPrrSvcCstMember_terseLabel_en-US" xlink:label="lab_ecd_PnsnAdjsPrrSvcCstMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pension Adjustments Prior Service Cost</link:label>
    <link:label id="lab_ecd_PnsnAdjsPrrSvcCstMember_label_en-US" xlink:label="lab_ecd_PnsnAdjsPrrSvcCstMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Pension Adjustments Prior Service Cost [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PnsnAdjsPrrSvcCstMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_PnsnAdjsPrrSvcCstMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_PnsnAdjsPrrSvcCstMember" xlink:to="lab_ecd_PnsnAdjsPrrSvcCstMember" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_FairValueOptionLoansHeldForInvestment_019e2838-54b4-792e-869d-ac2b3f766b67_verboseLabel_en-US" xlink:label="lab_foa_FairValueOptionLoansHeldForInvestment" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Loans held for investment, at fair value</link:label>
    <link:label id="lab_foa_FairValueOptionLoansHeldForInvestment_019e2838-54b4-701c-bd36-b1af58f6f889_terseLabel_en-US" xlink:label="lab_foa_FairValueOptionLoansHeldForInvestment" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans held for investment, at fair value</link:label>
    <link:label id="lab_foa_FairValueOptionLoansHeldForInvestment_label_en-US" xlink:label="lab_foa_FairValueOptionLoansHeldForInvestment" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Option, Loans Held-For-Investment</link:label>
    <link:label id="lab_foa_FairValueOptionLoansHeldForInvestment_documentation_en-US" xlink:label="lab_foa_FairValueOptionLoansHeldForInvestment" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Fair Value, Option, Loans Held-For-Investment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_FairValueOptionLoansHeldForInvestment" xlink:href="foa-20260630.xsd#foa_FairValueOptionLoansHeldForInvestment"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_FairValueOptionLoansHeldForInvestment" xlink:to="lab_foa_FairValueOptionLoansHeldForInvestment" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_CoSelectedMeasureName_terseLabel_en-US" xlink:label="lab_ecd_CoSelectedMeasureName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Company Selected Measure Name</link:label>
    <link:label id="lab_ecd_CoSelectedMeasureName_label_en-US" xlink:label="lab_ecd_CoSelectedMeasureName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Company Selected Measure Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CoSelectedMeasureName" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_CoSelectedMeasureName"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_CoSelectedMeasureName" xlink:to="lab_ecd_CoSelectedMeasureName" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeTaxDisclosureAbstract_label_en-US" xlink:label="lab_us-gaap_IncomeTaxDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income Tax Disclosure [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxDisclosureAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeTaxDisclosureAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract" xlink:to="lab_us-gaap_IncomeTaxDisclosureAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_AccountsPayableAndOtherAccruedLiabilitiesFairValueDisclosure_019e2838-53e6-7faa-afb2-78c22574c4c1_terseLabel_en-US" xlink:label="lab_foa_AccountsPayableAndOtherAccruedLiabilitiesFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Payables and other liabilities at fair value</link:label>
    <link:label id="lab_foa_AccountsPayableAndOtherAccruedLiabilitiesFairValueDisclosure_label_en-US" xlink:label="lab_foa_AccountsPayableAndOtherAccruedLiabilitiesFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accounts Payable And Other Accrued Liabilities, Fair Value Disclosure</link:label>
    <link:label id="lab_foa_AccountsPayableAndOtherAccruedLiabilitiesFairValueDisclosure_documentation_en-US" xlink:label="lab_foa_AccountsPayableAndOtherAccruedLiabilitiesFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Accounts Payable And Other Accrued Liabilities, Fair Value Disclosure</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_AccountsPayableAndOtherAccruedLiabilitiesFairValueDisclosure" xlink:href="foa-20260630.xsd#foa_AccountsPayableAndOtherAccruedLiabilitiesFairValueDisclosure"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_AccountsPayableAndOtherAccruedLiabilitiesFairValueDisclosure" xlink:to="lab_foa_AccountsPayableAndOtherAccruedLiabilitiesFairValueDisclosure" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_AdjustedTangibleNetWorth_019e2838-54b4-7fcf-93d8-194d44180b70_terseLabel_en-US" xlink:label="lab_foa_AdjustedTangibleNetWorth" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Adjusted tangible net worth</link:label>
    <link:label id="lab_foa_AdjustedTangibleNetWorth_label_en-US" xlink:label="lab_foa_AdjustedTangibleNetWorth" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Adjusted Tangible Net Worth</link:label>
    <link:label id="lab_foa_AdjustedTangibleNetWorth_documentation_en-US" xlink:label="lab_foa_AdjustedTangibleNetWorth" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Adjusted balance of capital requirements.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_AdjustedTangibleNetWorth" xlink:href="foa-20260630.xsd#foa_AdjustedTangibleNetWorth"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_AdjustedTangibleNetWorth" xlink:to="lab_foa_AdjustedTangibleNetWorth" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_LoansGainsLossesOnSecuritizations_019e2838-53e6-71ab-8269-274c44e6b7d8_verboseLabel_en-US" xlink:label="lab_foa_LoansGainsLossesOnSecuritizations" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Gains on securitization of home equity conversion mortgage (&#8220;HECM&#8221;) tails, net</link:label>
    <link:label id="lab_foa_LoansGainsLossesOnSecuritizations_019e2838-53e6-752d-be9f-f2d37b4a7d3c_terseLabel_en-US" xlink:label="lab_foa_LoansGainsLossesOnSecuritizations" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gains on securitization of HECM tails, net</link:label>
    <link:label id="lab_foa_LoansGainsLossesOnSecuritizations_label_en-US" xlink:label="lab_foa_LoansGainsLossesOnSecuritizations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans, Gains (Losses) On Securitizations</link:label>
    <link:label id="lab_foa_LoansGainsLossesOnSecuritizations_documentation_en-US" xlink:label="lab_foa_LoansGainsLossesOnSecuritizations" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans, Gains (Losses) On Securitizations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_LoansGainsLossesOnSecuritizations" xlink:href="foa-20260630.xsd#foa_LoansGainsLossesOnSecuritizations"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_LoansGainsLossesOnSecuritizations" xlink:to="lab_foa_LoansGainsLossesOnSecuritizations" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_FairValueMeasurementsWithUnobservableInputsRecurringBasisPurchasesAndAdditionsNet_019e2838-5555-7483-8cd9-4596da782c84_terseLabel_en-US" xlink:label="lab_foa_FairValueMeasurementsWithUnobservableInputsRecurringBasisPurchasesAndAdditionsNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Purchases and additions</link:label>
    <link:label id="lab_foa_FairValueMeasurementsWithUnobservableInputsRecurringBasisPurchasesAndAdditionsNet_label_en-US" xlink:label="lab_foa_FairValueMeasurementsWithUnobservableInputsRecurringBasisPurchasesAndAdditionsNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Measurements With Unobservable Inputs Recurring Basis Purchases And Additions Net</link:label>
    <link:label id="lab_foa_FairValueMeasurementsWithUnobservableInputsRecurringBasisPurchasesAndAdditionsNet_documentation_en-US" xlink:label="lab_foa_FairValueMeasurementsWithUnobservableInputsRecurringBasisPurchasesAndAdditionsNet" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Fair value measurements with unobservable inputs recurring basis purchases and additions net.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_FairValueMeasurementsWithUnobservableInputsRecurringBasisPurchasesAndAdditionsNet" xlink:href="foa-20260630.xsd#foa_FairValueMeasurementsWithUnobservableInputsRecurringBasisPurchasesAndAdditionsNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_FairValueMeasurementsWithUnobservableInputsRecurringBasisPurchasesAndAdditionsNet" xlink:to="lab_foa_FairValueMeasurementsWithUnobservableInputsRecurringBasisPurchasesAndAdditionsNet" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LongTermPurchaseCommitmentAmount_019e2838-53e6-7e58-a6c6-b772ec52144f_terseLabel_en-US" xlink:label="lab_us-gaap_LongTermPurchaseCommitmentAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Long-term purchase commitment</link:label>
    <link:label id="lab_us-gaap_LongTermPurchaseCommitmentAmount_label_en-US" xlink:label="lab_us-gaap_LongTermPurchaseCommitmentAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Long-Term Purchase Commitment, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermPurchaseCommitmentAmount" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongTermPurchaseCommitmentAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LongTermPurchaseCommitmentAmount" xlink:to="lab_us-gaap_LongTermPurchaseCommitmentAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CreditFacilityDomain_019e2838-5555-7c11-8a15-6d0aa5d2d087_terseLabel_en-US" xlink:label="lab_us-gaap_CreditFacilityDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Credit Facility [Domain]</link:label>
    <link:label id="lab_us-gaap_CreditFacilityDomain_label_en-US" xlink:label="lab_us-gaap_CreditFacilityDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Credit Facility [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditFacilityDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CreditFacilityDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CreditFacilityDomain" xlink:to="lab_us-gaap_CreditFacilityDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DepreciationAndAmortization_019e2838-53e6-7e9e-9c1b-faa56c3f5b4a_terseLabel_en-US" xlink:label="lab_us-gaap_DepreciationAndAmortization" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Amortization and depreciation</link:label>
    <link:label id="lab_us-gaap_DepreciationAndAmortization_019e2838-53e6-7790-bdfb-41883e069933_verboseLabel_en-US" xlink:label="lab_us-gaap_DepreciationAndAmortization" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Amortization and depreciation</link:label>
    <link:label id="lab_us-gaap_DepreciationAndAmortization_label_en-US" xlink:label="lab_us-gaap_DepreciationAndAmortization" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Depreciation, Depletion and Amortization, Nonproduction</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepreciationAndAmortization" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DepreciationAndAmortization"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DepreciationAndAmortization" xlink:to="lab_us-gaap_DepreciationAndAmortization" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RelatedPartyTransactionsAbstract_label_en-US" xlink:label="lab_us-gaap_RelatedPartyTransactionsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Related Party Transactions [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyTransactionsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RelatedPartyTransactionsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RelatedPartyTransactionsAbstract" xlink:to="lab_us-gaap_RelatedPartyTransactionsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_019e2838-5555-7b8f-b38b-6509afa6c66f_terseLabel_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Operating Activities</link:label>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_label_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash Provided by (Used in) Operating Activity, Including Discontinued Operation [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:to="lab_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_PaymentsForAssetAcquisitionsInitialPayment_019fa0b4-2e4e-7203-9274-d2cc65699071_terseLabel_en-US" xlink:label="lab_foa_PaymentsForAssetAcquisitionsInitialPayment" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash consideration, initial payment</link:label>
    <link:label id="lab_foa_PaymentsForAssetAcquisitionsInitialPayment_label_en-US" xlink:label="lab_foa_PaymentsForAssetAcquisitionsInitialPayment" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payments for Asset Acquisitions, Initial Payment</link:label>
    <link:label id="lab_foa_PaymentsForAssetAcquisitionsInitialPayment_documentation_en-US" xlink:label="lab_foa_PaymentsForAssetAcquisitionsInitialPayment" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Payments for Asset Acquisitions, Initial Payment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_PaymentsForAssetAcquisitionsInitialPayment" xlink:href="foa-20260630.xsd#foa_PaymentsForAssetAcquisitionsInitialPayment"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_PaymentsForAssetAcquisitionsInitialPayment" xlink:to="lab_foa_PaymentsForAssetAcquisitionsInitialPayment" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_OutstandingRecoveryCompAmt_terseLabel_en-US" xlink:label="lab_ecd_OutstandingRecoveryCompAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Compensation Amount</link:label>
    <link:label id="lab_ecd_OutstandingRecoveryCompAmt_label_en-US" xlink:label="lab_ecd_OutstandingRecoveryCompAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Outstanding Recovery Compensation Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_OutstandingRecoveryCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_OutstandingRecoveryCompAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_OutstandingRecoveryCompAmt" xlink:to="lab_ecd_OutstandingRecoveryCompAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_IndividualAxis_terseLabel_en-US" xlink:label="lab_ecd_IndividualAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Individual:</link:label>
    <link:label id="lab_ecd_IndividualAxis_label_en-US" xlink:label="lab_ecd_IndividualAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Individual [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_IndividualAxis" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_IndividualAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_IndividualAxis" xlink:to="lab_ecd_IndividualAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_019e2838-54b4-7ddb-9ea2-dcf1d0a9dec4_terseLabel_en-US" xlink:label="lab_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Diluted weighted average shares outstanding (in shares)</link:label>
    <link:label id="lab_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_019e2838-54b4-7e02-a286-76b6105cd331_totalLabel_en-US" xlink:label="lab_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Weighted average shares of Class A Common Stock outstanding - diluted (in shares)</link:label>
    <link:label id="lab_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_label_en-US" xlink:label="lab_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Weighted Average Number of Shares Outstanding, Diluted</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:to="lab_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AccountsNotesAndLoansReceivableLineItems_019e2838-54b4-7ec2-8644-5a4b4e758fa0_terseLabel_en-US" xlink:label="lab_us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accounts, Notes, Loans and Financing Receivable [Line Items]</link:label>
    <link:label id="lab_us-gaap_AccountsNotesAndLoansReceivableLineItems_label_en-US" xlink:label="lab_us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accounts, Notes, Loans and Financing Receivable [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:to="lab_us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityEmergingGrowthCompany_019e2838-54b4-747d-bb20-04a305441ad2_terseLabel_en-US" xlink:label="lab_dei_EntityEmergingGrowthCompany" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Emerging Growth Company</link:label>
    <link:label id="lab_dei_EntityEmergingGrowthCompany_label_en-US" xlink:label="lab_dei_EntityEmergingGrowthCompany" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Emerging Growth Company</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityEmergingGrowthCompany" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityEmergingGrowthCompany"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityEmergingGrowthCompany" xlink:to="lab_dei_EntityEmergingGrowthCompany" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_EquityValuationAssumptionDifferenceFnTextBlock_terseLabel_en-US" xlink:label="lab_ecd_EquityValuationAssumptionDifferenceFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity Valuation Assumption Difference, Footnote</link:label>
    <link:label id="lab_ecd_EquityValuationAssumptionDifferenceFnTextBlock_label_en-US" xlink:label="lab_ecd_EquityValuationAssumptionDifferenceFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity Valuation Assumption Difference, Footnote [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_EquityValuationAssumptionDifferenceFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_EquityValuationAssumptionDifferenceFnTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_EquityValuationAssumptionDifferenceFnTextBlock" xlink:to="lab_ecd_EquityValuationAssumptionDifferenceFnTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RelatedPartyTransactionLineItems_019e2838-5555-75f0-8321-339b54024623_terseLabel_en-US" xlink:label="lab_us-gaap_RelatedPartyTransactionLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Related Party Transaction [Line Items]</link:label>
    <link:label id="lab_us-gaap_RelatedPartyTransactionLineItems_label_en-US" xlink:label="lab_us-gaap_RelatedPartyTransactionLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Related Party Transaction [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyTransactionLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RelatedPartyTransactionLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RelatedPartyTransactionLineItems" xlink:to="lab_us-gaap_RelatedPartyTransactionLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_MortgageLoansInProcessOfForeclosureAmount_019e2838-54b4-7cb7-ba28-0f86a9238466_terseLabel_en-US" xlink:label="lab_us-gaap_MortgageLoansInProcessOfForeclosureAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Foreclosure proceedings in process, amount</link:label>
    <link:label id="lab_us-gaap_MortgageLoansInProcessOfForeclosureAmount_label_en-US" xlink:label="lab_us-gaap_MortgageLoansInProcessOfForeclosureAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mortgage Loans in Process of Foreclosure, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageLoansInProcessOfForeclosureAmount" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MortgageLoansInProcessOfForeclosureAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_MortgageLoansInProcessOfForeclosureAmount" xlink:to="lab_us-gaap_MortgageLoansInProcessOfForeclosureAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_HmbsRelatedObligationsMember_019e2838-53e6-7b5d-ab80-e604ccc0952a_terseLabel_en-US" xlink:label="lab_foa_HmbsRelatedObligationsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">HMBS related obligations</link:label>
    <link:label id="lab_foa_HmbsRelatedObligationsMember_label_en-US" xlink:label="lab_foa_HmbsRelatedObligationsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">HMBS Related Obligations [Member]</link:label>
    <link:label id="lab_foa_HmbsRelatedObligationsMember_documentation_en-US" xlink:label="lab_foa_HmbsRelatedObligationsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">HMBS related obligations.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_HmbsRelatedObligationsMember" xlink:href="foa-20260630.xsd#foa_HmbsRelatedObligationsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_HmbsRelatedObligationsMember" xlink:to="lab_foa_HmbsRelatedObligationsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LineOfCreditFacilityTable_019e2838-54b4-7098-852c-e93c131fc794_terseLabel_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Line of Credit Facility [Table]</link:label>
    <link:label id="lab_us-gaap_LineOfCreditFacilityTable_label_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Line of Credit Facility [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditFacilityTable" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LineOfCreditFacilityTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LineOfCreditFacilityTable" xlink:to="lab_us-gaap_LineOfCreditFacilityTable" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_UndrlygSecurityMktPriceChngPct_terseLabel_en-US" xlink:label="lab_ecd_UndrlygSecurityMktPriceChngPct" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Underlying Security Market Price Change</link:label>
    <link:label id="lab_ecd_UndrlygSecurityMktPriceChngPct_label_en-US" xlink:label="lab_ecd_UndrlygSecurityMktPriceChngPct" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Underlying Security Market Price Change, Percent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_UndrlygSecurityMktPriceChngPct" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_UndrlygSecurityMktPriceChngPct"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_UndrlygSecurityMktPriceChngPct" xlink:to="lab_ecd_UndrlygSecurityMktPriceChngPct" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CommercialPaperMember_019fd432-1be9-797e-84b9-2bcdf7f1f0d0_terseLabel_en-US" xlink:label="lab_us-gaap_CommercialPaperMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Commercial Paper</link:label>
    <link:label id="lab_us-gaap_CommercialPaperMember_label_en-US" xlink:label="lab_us-gaap_CommercialPaperMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Commercial Paper [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialPaperMember" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommercialPaperMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommercialPaperMember" xlink:to="lab_us-gaap_CommercialPaperMember" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_AssetAndLiabilitiesOfConsolidatedVIEMember_019e2838-5555-7ebd-bfe9-d63648a0c80a_terseLabel_en-US" xlink:label="lab_foa_AssetAndLiabilitiesOfConsolidatedVIEMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Asset and Liabilities of Consolidated VIE</link:label>
    <link:label id="lab_foa_AssetAndLiabilitiesOfConsolidatedVIEMember_label_en-US" xlink:label="lab_foa_AssetAndLiabilitiesOfConsolidatedVIEMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Asset and Liabilities of Consolidated VIE [Member]</link:label>
    <link:label id="lab_foa_AssetAndLiabilitiesOfConsolidatedVIEMember_documentation_en-US" xlink:label="lab_foa_AssetAndLiabilitiesOfConsolidatedVIEMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Asset and Liabilities of Consolidated VIE.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_AssetAndLiabilitiesOfConsolidatedVIEMember" xlink:href="foa-20260630.xsd#foa_AssetAndLiabilitiesOfConsolidatedVIEMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_AssetAndLiabilitiesOfConsolidatedVIEMember" xlink:to="lab_foa_AssetAndLiabilitiesOfConsolidatedVIEMember" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_FairValueOptionChangesInFairValueGainLossExcludedFromCalculationOfEarningsLossPerDilutedShare_019e2838-54b4-7deb-bfb5-47dd87ff8fd7_terseLabel_en-US" xlink:label="lab_foa_FairValueOptionChangesInFairValueGainLossExcludedFromCalculationOfEarningsLossPerDilutedShare" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair value adjustment, net of income tax effects excluded from calculation of earnings (loss) per diluted share</link:label>
    <link:label id="lab_foa_FairValueOptionChangesInFairValueGainLossExcludedFromCalculationOfEarningsLossPerDilutedShare_label_en-US" xlink:label="lab_foa_FairValueOptionChangesInFairValueGainLossExcludedFromCalculationOfEarningsLossPerDilutedShare" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Option, Changes in Fair Value, Gain (Loss), Excluded From Calculation Of Earnings (Loss) Per Diluted Share</link:label>
    <link:label id="lab_foa_FairValueOptionChangesInFairValueGainLossExcludedFromCalculationOfEarningsLossPerDilutedShare_documentation_en-US" xlink:label="lab_foa_FairValueOptionChangesInFairValueGainLossExcludedFromCalculationOfEarningsLossPerDilutedShare" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Fair Value, Option, Changes in Fair Value, Gain (Loss), Excluded From Calculation Of Earnings (Loss) Per Diluted Share</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_FairValueOptionChangesInFairValueGainLossExcludedFromCalculationOfEarningsLossPerDilutedShare" xlink:href="foa-20260630.xsd#foa_FairValueOptionChangesInFairValueGainLossExcludedFromCalculationOfEarningsLossPerDilutedShare"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_FairValueOptionChangesInFairValueGainLossExcludedFromCalculationOfEarningsLossPerDilutedShare" xlink:to="lab_foa_FairValueOptionChangesInFairValueGainLossExcludedFromCalculationOfEarningsLossPerDilutedShare" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_HomeEquityConversionMortgageBackedSecurityMember_019e2838-53e6-795c-bd6f-062da9563737_terseLabel_en-US" xlink:label="lab_foa_HomeEquityConversionMortgageBackedSecurityMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Home Equity Conversion Mortgage Backed Security</link:label>
    <link:label id="lab_foa_HomeEquityConversionMortgageBackedSecurityMember_label_en-US" xlink:label="lab_foa_HomeEquityConversionMortgageBackedSecurityMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Home Equity Conversion Mortgage Backed Security [Member]</link:label>
    <link:label id="lab_foa_HomeEquityConversionMortgageBackedSecurityMember_documentation_en-US" xlink:label="lab_foa_HomeEquityConversionMortgageBackedSecurityMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Home Equity Conversion Mortgage Backed Security [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_HomeEquityConversionMortgageBackedSecurityMember" xlink:href="foa-20260630.xsd#foa_HomeEquityConversionMortgageBackedSecurityMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_HomeEquityConversionMortgageBackedSecurityMember" xlink:to="lab_foa_HomeEquityConversionMortgageBackedSecurityMember" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_MortgageLoanMember_019e2838-54b4-7c9e-975e-2ea412576300_terseLabel_en-US" xlink:label="lab_foa_MortgageLoanMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mortgage Loan</link:label>
    <link:label id="lab_foa_MortgageLoanMember_label_en-US" xlink:label="lab_foa_MortgageLoanMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mortgage Loan [Member]</link:label>
    <link:label id="lab_foa_MortgageLoanMember_documentation_en-US" xlink:label="lab_foa_MortgageLoanMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Mortgage Loan</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_MortgageLoanMember" xlink:href="foa-20260630.xsd#foa_MortgageLoanMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_MortgageLoanMember" xlink:to="lab_foa_MortgageLoanMember" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_SeniorSecuredNotesMember_019e2838-54b4-76ac-8308-5d9d1f25a557_terseLabel_en-US" xlink:label="lab_foa_SeniorSecuredNotesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Senior Secured Notes</link:label>
    <link:label id="lab_foa_SeniorSecuredNotesMember_label_en-US" xlink:label="lab_foa_SeniorSecuredNotesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Senior Secured Notes [Member]</link:label>
    <link:label id="lab_foa_SeniorSecuredNotesMember_documentation_en-US" xlink:label="lab_foa_SeniorSecuredNotesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Senior Secured Notes</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_SeniorSecuredNotesMember" xlink:href="foa-20260630.xsd#foa_SeniorSecuredNotesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_SeniorSecuredNotesMember" xlink:to="lab_foa_SeniorSecuredNotesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PrepaidExpenseCurrentAndNoncurrent_019e2838-5556-7469-880e-3d52467389d2_terseLabel_en-US" xlink:label="lab_us-gaap_PrepaidExpenseCurrentAndNoncurrent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Prepaid expenses</link:label>
    <link:label id="lab_us-gaap_PrepaidExpenseCurrentAndNoncurrent_label_en-US" xlink:label="lab_us-gaap_PrepaidExpenseCurrentAndNoncurrent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Prepaid Expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PrepaidExpenseCurrentAndNoncurrent" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PrepaidExpenseCurrentAndNoncurrent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PrepaidExpenseCurrentAndNoncurrent" xlink:to="lab_us-gaap_PrepaidExpenseCurrentAndNoncurrent" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_TaxReceivableAgreementObligationFairValue_019e2838-5555-7a28-a8da-a75318e3aa57_terseLabel_en-US" xlink:label="lab_foa_TaxReceivableAgreementObligationFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">TRA obligation</link:label>
    <link:label id="lab_foa_TaxReceivableAgreementObligationFairValue_label_en-US" xlink:label="lab_foa_TaxReceivableAgreementObligationFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tax Receivable Agreement Obligation, Fair Value</link:label>
    <link:label id="lab_foa_TaxReceivableAgreementObligationFairValue_documentation_en-US" xlink:label="lab_foa_TaxReceivableAgreementObligationFairValue" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tax receivable agreement obligation at fair value.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_TaxReceivableAgreementObligationFairValue" xlink:href="foa-20260630.xsd#foa_TaxReceivableAgreementObligationFairValue"/>
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    <link:label id="lab_us-gaap_VariableInterestEntityEntityMaximumLossExposureAmount_019e2838-5555-7287-bfd0-15fb4df6dc87_terseLabel_en-US" xlink:label="lab_us-gaap_VariableInterestEntityEntityMaximumLossExposureAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Maximum Exposure to Loss</link:label>
    <link:label id="lab_us-gaap_VariableInterestEntityEntityMaximumLossExposureAmount_label_en-US" xlink:label="lab_us-gaap_VariableInterestEntityEntityMaximumLossExposureAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variable Interest Entity, Reporting Entity Involvement, Maximum Loss Exposure, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityEntityMaximumLossExposureAmount" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_VariableInterestEntityEntityMaximumLossExposureAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_VariableInterestEntityEntityMaximumLossExposureAmount" xlink:to="lab_us-gaap_VariableInterestEntityEntityMaximumLossExposureAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SegmentContinuingOperationsMember_019e2838-54b4-70ce-b43e-ca83b1a11910_terseLabel_en-US" xlink:label="lab_us-gaap_SegmentContinuingOperationsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Continuing Operations</link:label>
    <link:label id="lab_us-gaap_SegmentContinuingOperationsMember_label_en-US" xlink:label="lab_us-gaap_SegmentContinuingOperationsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Continuing Operations [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentContinuingOperationsMember" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SegmentContinuingOperationsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SegmentContinuingOperationsMember" xlink:to="lab_us-gaap_SegmentContinuingOperationsMember" xlink:type="arc" order="1"/>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock"/>
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    <link:label id="lab_foa_MeasurementInputAverageDrawRateMember_019e2838-55e6-72f2-99a8-751f0437aa8f_terseLabel_en-US" xlink:label="lab_foa_MeasurementInputAverageDrawRateMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Average draw rate</link:label>
    <link:label id="lab_foa_MeasurementInputAverageDrawRateMember_label_en-US" xlink:label="lab_foa_MeasurementInputAverageDrawRateMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Measurement Input, Average Draw Rate [Member]</link:label>
    <link:label id="lab_foa_MeasurementInputAverageDrawRateMember_documentation_en-US" xlink:label="lab_foa_MeasurementInputAverageDrawRateMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Measurement Input, Average Draw Rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_MeasurementInputAverageDrawRateMember" xlink:href="foa-20260630.xsd#foa_MeasurementInputAverageDrawRateMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_MeasurementInputAverageDrawRateMember" xlink:to="lab_foa_MeasurementInputAverageDrawRateMember" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_SummaryOfEstimatedMaturitiesForNonRecourseDebtFairValueTableTextBlock_019e2838-54b4-74d2-8aa6-5a8f8c1f01e3_terseLabel_en-US" xlink:label="lab_foa_SummaryOfEstimatedMaturitiesForNonRecourseDebtFairValueTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Estimated Maturities for Nonrecourse Debt Fair Value</link:label>
    <link:label id="lab_foa_SummaryOfEstimatedMaturitiesForNonRecourseDebtFairValueTableTextBlock_label_en-US" xlink:label="lab_foa_SummaryOfEstimatedMaturitiesForNonRecourseDebtFairValueTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Summary Of Estimated Maturities For Non recourse Debt Fair Value [Table Text Block]</link:label>
    <link:label id="lab_foa_SummaryOfEstimatedMaturitiesForNonRecourseDebtFairValueTableTextBlock_documentation_en-US" xlink:label="lab_foa_SummaryOfEstimatedMaturitiesForNonRecourseDebtFairValueTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Summary of estimated maturities for non recourse debt fair value.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_SummaryOfEstimatedMaturitiesForNonRecourseDebtFairValueTableTextBlock" xlink:href="foa-20260630.xsd#foa_SummaryOfEstimatedMaturitiesForNonRecourseDebtFairValueTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_SummaryOfEstimatedMaturitiesForNonRecourseDebtFairValueTableTextBlock" xlink:to="lab_foa_SummaryOfEstimatedMaturitiesForNonRecourseDebtFairValueTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_FairValueOptionLoansHeldForInvestmentSubjectToHMBSObligationsUnpaidPrincipalBalance_019e2838-53e6-765a-a6f3-270b3b9058a0_terseLabel_en-US" xlink:label="lab_foa_FairValueOptionLoansHeldForInvestmentSubjectToHMBSObligationsUnpaidPrincipalBalance" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans held for investment, subject to HMBS related obligations</link:label>
    <link:label id="lab_foa_FairValueOptionLoansHeldForInvestmentSubjectToHMBSObligationsUnpaidPrincipalBalance_label_en-US" xlink:label="lab_foa_FairValueOptionLoansHeldForInvestmentSubjectToHMBSObligationsUnpaidPrincipalBalance" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Option, Loans Held For Investment, Subject To HMBS Obligations, Unpaid Principal Balance</link:label>
    <link:label id="lab_foa_FairValueOptionLoansHeldForInvestmentSubjectToHMBSObligationsUnpaidPrincipalBalance_documentation_en-US" xlink:label="lab_foa_FairValueOptionLoansHeldForInvestmentSubjectToHMBSObligationsUnpaidPrincipalBalance" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Fair Value, Option, Loans Held For Investment, Subject To HMBS Obligations, Unpaid Principal Balance</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_FairValueOptionLoansHeldForInvestmentSubjectToHMBSObligationsUnpaidPrincipalBalance" xlink:href="foa-20260630.xsd#foa_FairValueOptionLoansHeldForInvestmentSubjectToHMBSObligationsUnpaidPrincipalBalance"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_FairValueOptionLoansHeldForInvestmentSubjectToHMBSObligationsUnpaidPrincipalBalance" xlink:to="lab_foa_FairValueOptionLoansHeldForInvestmentSubjectToHMBSObligationsUnpaidPrincipalBalance" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AwardTmgPredtrmndFlag_terseLabel_en-US" xlink:label="lab_ecd_AwardTmgPredtrmndFlag" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Award Timing Predetermined</link:label>
    <link:label id="lab_ecd_AwardTmgPredtrmndFlag_label_en-US" xlink:label="lab_ecd_AwardTmgPredtrmndFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Award Timing Predetermined [Flag]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgPredtrmndFlag" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AwardTmgPredtrmndFlag"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AwardTmgPredtrmndFlag" xlink:to="lab_ecd_AwardTmgPredtrmndFlag" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RestrictedCashCurrent_019e2838-54b4-7eee-a614-c85c26552dbd_terseLabel_en-US" xlink:label="lab_us-gaap_RestrictedCashCurrent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Restricted cash</link:label>
    <link:label id="lab_us-gaap_RestrictedCashCurrent_label_en-US" xlink:label="lab_us-gaap_RestrictedCashCurrent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Restricted Cash, Current</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedCashCurrent" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RestrictedCashCurrent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RestrictedCashCurrent" xlink:to="lab_us-gaap_RestrictedCashCurrent" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_DebtInstrumentIssueDate_019e2838-5556-7475-ae8f-54d9bbc27364_terseLabel_en-US" xlink:label="lab_foa_DebtInstrumentIssueDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Issue Date</link:label>
    <link:label id="lab_foa_DebtInstrumentIssueDate_label_en-US" xlink:label="lab_foa_DebtInstrumentIssueDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument, Issue Date</link:label>
    <link:label id="lab_foa_DebtInstrumentIssueDate_documentation_en-US" xlink:label="lab_foa_DebtInstrumentIssueDate" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Issue date.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_DebtInstrumentIssueDate" xlink:href="foa-20260630.xsd#foa_DebtInstrumentIssueDate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_DebtInstrumentIssueDate" xlink:to="lab_foa_DebtInstrumentIssueDate" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_MeasurementInputAppraisedValueMember_019e2838-5555-7114-82ae-bbbbd61c554b_terseLabel_en-US" xlink:label="lab_us-gaap_MeasurementInputAppraisedValueMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">HPA</link:label>
    <link:label id="lab_us-gaap_MeasurementInputAppraisedValueMember_label_en-US" xlink:label="lab_us-gaap_MeasurementInputAppraisedValueMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Measurement Input, Appraised Value [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputAppraisedValueMember" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MeasurementInputAppraisedValueMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_MeasurementInputAppraisedValueMember" xlink:to="lab_us-gaap_MeasurementInputAppraisedValueMember" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_NonRecourseDebtFairValueAdjustments_019e2838-5555-721e-a915-75b5e8c5819d_terseLabel_en-US" xlink:label="lab_foa_NonRecourseDebtFairValueAdjustments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair value adjustments</link:label>
    <link:label id="lab_foa_NonRecourseDebtFairValueAdjustments_label_en-US" xlink:label="lab_foa_NonRecourseDebtFairValueAdjustments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non Recourse Debt Fair Value Adjustments</link:label>
    <link:label id="lab_foa_NonRecourseDebtFairValueAdjustments_documentation_en-US" xlink:label="lab_foa_NonRecourseDebtFairValueAdjustments" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Non recourse debt fair value adjustments.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_NonRecourseDebtFairValueAdjustments" xlink:href="foa-20260630.xsd#foa_NonRecourseDebtFairValueAdjustments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_NonRecourseDebtFairValueAdjustments" xlink:to="lab_foa_NonRecourseDebtFairValueAdjustments" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterestAbstract_019e2838-5556-7ba8-869c-c721e28ee67a_verboseLabel_en-US" xlink:label="lab_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterestAbstract" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">COMPREHENSIVE INCOME (LOSS) ITEM:</link:label>
    <link:label id="lab_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterestAbstract_label_en-US" xlink:label="lab_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterestAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Comprehensive Income (Loss), Net of Tax, Including Portion Attributable to Noncontrolling Interest [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterestAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterestAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterestAbstract" xlink:to="lab_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterestAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AdjToPeoCompFnTextBlock_terseLabel_en-US" xlink:label="lab_ecd_AdjToPeoCompFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Adjustment To PEO Compensation, Footnote</link:label>
    <link:label id="lab_ecd_AdjToPeoCompFnTextBlock_label_en-US" xlink:label="lab_ecd_AdjToPeoCompFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Adjustment To PEO Compensation, Footnote [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AdjToPeoCompFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AdjToPeoCompFnTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AdjToPeoCompFnTextBlock" xlink:to="lab_ecd_AdjToPeoCompFnTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueInputsLevel1Member_019e2838-5555-7364-9c93-3a4e0a1fb033_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueInputsLevel1Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Level 1</link:label>
    <link:label id="lab_us-gaap_FairValueInputsLevel1Member_label_en-US" xlink:label="lab_us-gaap_FairValueInputsLevel1Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Inputs, Level 1 [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel1Member" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueInputsLevel1Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueInputsLevel1Member" xlink:to="lab_us-gaap_FairValueInputsLevel1Member" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_ConsolidatedLiabilitiesAfterElimination_019e2838-5555-755d-9ddd-392670e4d59e_totalLabel_en-US" xlink:label="lab_foa_ConsolidatedLiabilitiesAfterElimination" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total consolidated liabilities</link:label>
    <link:label id="lab_foa_ConsolidatedLiabilitiesAfterElimination_label_en-US" xlink:label="lab_foa_ConsolidatedLiabilitiesAfterElimination" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Consolidated Liabilities After Elimination</link:label>
    <link:label id="lab_foa_ConsolidatedLiabilitiesAfterElimination_documentation_en-US" xlink:label="lab_foa_ConsolidatedLiabilitiesAfterElimination" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Consolidated liabilities after elimination.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_ConsolidatedLiabilitiesAfterElimination" xlink:href="foa-20260630.xsd#foa_ConsolidatedLiabilitiesAfterElimination"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_ConsolidatedLiabilitiesAfterElimination" xlink:to="lab_foa_ConsolidatedLiabilitiesAfterElimination" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_label_en-US" xlink:label="lab_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Organization, Consolidation and Presentation of Financial Statements [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract" xlink:to="lab_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_InterestExpenseDebtNetOfTax_019e2838-5555-79be-8ae0-b6d8e68249ba_terseLabel_en-US" xlink:label="lab_foa_InterestExpenseDebtNetOfTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest expense for exchangeable secured notes</link:label>
    <link:label id="lab_foa_InterestExpenseDebtNetOfTax_label_en-US" xlink:label="lab_foa_InterestExpenseDebtNetOfTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Expense, Debt, Net Of Tax</link:label>
    <link:label id="lab_foa_InterestExpenseDebtNetOfTax_documentation_en-US" xlink:label="lab_foa_InterestExpenseDebtNetOfTax" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Interest Expense, Debt, Net Of Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_InterestExpenseDebtNetOfTax" xlink:href="foa-20260630.xsd#foa_InterestExpenseDebtNetOfTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_InterestExpenseDebtNetOfTax" xlink:to="lab_foa_InterestExpenseDebtNetOfTax" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_AssetAcquisitionRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFairValueOptionFairValueOptionLoansHeldForInvestment_019fa08e-622c-7c51-88ed-895d1110b02d_terseLabel_en-US" xlink:label="lab_foa_AssetAcquisitionRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFairValueOptionFairValueOptionLoansHeldForInvestment" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans held for investment</link:label>
    <link:label id="lab_foa_AssetAcquisitionRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFairValueOptionFairValueOptionLoansHeldForInvestment_label_en-US" xlink:label="lab_foa_AssetAcquisitionRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFairValueOptionFairValueOptionLoansHeldForInvestment" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Asset Acquisition, Recognized Identifiable Assets Acquired And Liabilities Assumed, Fair Value, Option, Fair Value, Option, Loans Held-For-Investment</link:label>
    <link:label id="lab_foa_AssetAcquisitionRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFairValueOptionFairValueOptionLoansHeldForInvestment_documentation_en-US" xlink:label="lab_foa_AssetAcquisitionRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFairValueOptionFairValueOptionLoansHeldForInvestment" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Asset Acquisition, Recognized Identifiable Assets Acquired And Liabilities Assumed, Fair Value, Option, Fair Value, Option, Loans Held-For-Investment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_AssetAcquisitionRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFairValueOptionFairValueOptionLoansHeldForInvestment" xlink:href="foa-20260630.xsd#foa_AssetAcquisitionRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFairValueOptionFairValueOptionLoansHeldForInvestment"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_AssetAcquisitionRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFairValueOptionFairValueOptionLoansHeldForInvestment" xlink:to="lab_foa_AssetAcquisitionRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFairValueOptionFairValueOptionLoansHeldForInvestment" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_RetainedBondsMeasurementInput_019e2838-53e6-7eda-837a-b5b23fe47373_terseLabel_en-US" xlink:label="lab_foa_RetainedBondsMeasurementInput" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Retained bonds, measurement input</link:label>
    <link:label id="lab_foa_RetainedBondsMeasurementInput_label_en-US" xlink:label="lab_foa_RetainedBondsMeasurementInput" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Retained Bonds, Measurement Input</link:label>
    <link:label id="lab_foa_RetainedBondsMeasurementInput_documentation_en-US" xlink:label="lab_foa_RetainedBondsMeasurementInput" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Retained Bonds, Measurement Input</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_RetainedBondsMeasurementInput" xlink:href="foa-20260630.xsd#foa_RetainedBondsMeasurementInput"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_RetainedBondsMeasurementInput" xlink:to="lab_foa_RetainedBondsMeasurementInput" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueOptionQuantitativeDisclosuresTextBlock_019e2838-5556-79f1-898c-cffbe35c5d3a_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueOptionQuantitativeDisclosuresTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Fair Value Option, Disclosures</link:label>
    <link:label id="lab_us-gaap_FairValueOptionQuantitativeDisclosuresTextBlock_label_en-US" xlink:label="lab_us-gaap_FairValueOptionQuantitativeDisclosuresTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Option, Disclosures [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOptionQuantitativeDisclosuresTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueOptionQuantitativeDisclosuresTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueOptionQuantitativeDisclosuresTextBlock" xlink:to="lab_us-gaap_FairValueOptionQuantitativeDisclosuresTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_NotesPayableExcludingConvertibleNotesMember_019e2838-54b4-7474-81ae-6ca91e3caa4b_terseLabel_en-US" xlink:label="lab_foa_NotesPayableExcludingConvertibleNotesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Notes Payable, Excluding Convertible Notes</link:label>
    <link:label id="lab_foa_NotesPayableExcludingConvertibleNotesMember_label_en-US" xlink:label="lab_foa_NotesPayableExcludingConvertibleNotesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Notes Payable, Excluding Convertible Notes [Member]</link:label>
    <link:label id="lab_foa_NotesPayableExcludingConvertibleNotesMember_documentation_en-US" xlink:label="lab_foa_NotesPayableExcludingConvertibleNotesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Notes Payable, Excluding Convertible Notes</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_NotesPayableExcludingConvertibleNotesMember" xlink:href="foa-20260630.xsd#foa_NotesPayableExcludingConvertibleNotesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_NotesPayableExcludingConvertibleNotesMember" xlink:to="lab_foa_NotesPayableExcludingConvertibleNotesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest_019e2838-54b4-753e-96c5-b5cf6b62b631_totalLabel_en-US" xlink:label="lab_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">NET INCOME (LOSS) FROM CONTINUING OPERATIONS</link:label>
    <link:label id="lab_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest_019e2838-54b4-7fb3-a76c-01cf4998733f_verboseLabel_en-US" xlink:label="lab_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Net income (loss) from continuing operations</link:label>
    <link:label id="lab_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest_label_en-US" xlink:label="lab_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income (Loss) from Continuing Operations, Net of Tax, Including Portion Attributable to Noncontrolling Interest</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest" xlink:to="lab_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AllExecutiveCategoriesMember_terseLabel_en-US" xlink:label="lab_ecd_AllExecutiveCategoriesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">All Executive Categories</link:label>
    <link:label id="lab_ecd_AllExecutiveCategoriesMember_label_en-US" xlink:label="lab_ecd_AllExecutiveCategoriesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">All Executive Categories [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllExecutiveCategoriesMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AllExecutiveCategoriesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AllExecutiveCategoriesMember" xlink:to="lab_ecd_AllExecutiveCategoriesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StockRepurchasedAndRetiredDuringPeriodValue_019e2838-5555-72ac-a7f9-27423a2dcfff_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_StockRepurchasedAndRetiredDuringPeriodValue" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Repurchase agreement transaction costs (Note 15 - Related Party Transactions)</link:label>
    <link:label id="lab_us-gaap_StockRepurchasedAndRetiredDuringPeriodValue_label_en-US" xlink:label="lab_us-gaap_StockRepurchasedAndRetiredDuringPeriodValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Stock Repurchased and Retired During Period, Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockRepurchasedAndRetiredDuringPeriodValue" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockRepurchasedAndRetiredDuringPeriodValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StockRepurchasedAndRetiredDuringPeriodValue" xlink:to="lab_us-gaap_StockRepurchasedAndRetiredDuringPeriodValue" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_PnsnAdjsSvcCstMember_terseLabel_en-US" xlink:label="lab_ecd_PnsnAdjsSvcCstMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pension Adjustments Service Cost</link:label>
    <link:label id="lab_ecd_PnsnAdjsSvcCstMember_label_en-US" xlink:label="lab_ecd_PnsnAdjsSvcCstMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Pension Adjustments Service Cost [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PnsnAdjsSvcCstMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_PnsnAdjsSvcCstMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_PnsnAdjsSvcCstMember" xlink:to="lab_ecd_PnsnAdjsSvcCstMember" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_FairValueOptionLiabilitiesConvertibleNotesUnpaidPrincipalBalance_019e2838-5556-7cab-a7de-69eb2fff3321_terseLabel_en-US" xlink:label="lab_foa_FairValueOptionLiabilitiesConvertibleNotesUnpaidPrincipalBalance" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Convertible notes, UPB</link:label>
    <link:label id="lab_foa_FairValueOptionLiabilitiesConvertibleNotesUnpaidPrincipalBalance_label_en-US" xlink:label="lab_foa_FairValueOptionLiabilitiesConvertibleNotesUnpaidPrincipalBalance" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Option, Liabilities, Convertible Notes, Unpaid Principal Balance</link:label>
    <link:label id="lab_foa_FairValueOptionLiabilitiesConvertibleNotesUnpaidPrincipalBalance_documentation_en-US" xlink:label="lab_foa_FairValueOptionLiabilitiesConvertibleNotesUnpaidPrincipalBalance" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Fair Value, Option, Liabilities, Convertible Notes, Unpaid Principal Balance</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_FairValueOptionLiabilitiesConvertibleNotesUnpaidPrincipalBalance" xlink:href="foa-20260630.xsd#foa_FairValueOptionLiabilitiesConvertibleNotesUnpaidPrincipalBalance"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_FairValueOptionLiabilitiesConvertibleNotesUnpaidPrincipalBalance" xlink:to="lab_foa_FairValueOptionLiabilitiesConvertibleNotesUnpaidPrincipalBalance" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PreferredStockParOrStatedValuePerShare_019e2838-53e6-7b7d-a3cc-71cde583253e_terseLabel_en-US" xlink:label="lab_us-gaap_PreferredStockParOrStatedValuePerShare" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Preferred stock, par value (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_PreferredStockParOrStatedValuePerShare_label_en-US" xlink:label="lab_us-gaap_PreferredStockParOrStatedValuePerShare" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Preferred Stock, Par or Stated Value Per Share</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockParOrStatedValuePerShare" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PreferredStockParOrStatedValuePerShare"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PreferredStockParOrStatedValuePerShare" xlink:to="lab_us-gaap_PreferredStockParOrStatedValuePerShare" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis_019e2838-54b4-7bf4-b600-7c85a4db02b4_terseLabel_en-US" xlink:label="lab_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Antidilutive Securities [Axis]</link:label>
    <link:label id="lab_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis_label_en-US" xlink:label="lab_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Antidilutive Securities [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis" xlink:to="lab_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AssetAcquisitionDomain_019f93b8-5e36-7807-921a-4384a6612d81_terseLabel_en-US" xlink:label="lab_us-gaap_AssetAcquisitionDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Asset Acquisition [Domain]</link:label>
    <link:label id="lab_us-gaap_AssetAcquisitionDomain_label_en-US" xlink:label="lab_us-gaap_AssetAcquisitionDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Asset Acquisition [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetAcquisitionDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AssetAcquisitionDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AssetAcquisitionDomain" xlink:to="lab_us-gaap_AssetAcquisitionDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_NetSurrenderToSettleOtherRSUsShares_019e2838-5556-7f54-a0f2-ccf14e80e04f_terseLabel_en-US" xlink:label="lab_foa_NetSurrenderToSettleOtherRSUsShares" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Settlement of RSUs (in shares)</link:label>
    <link:label id="lab_foa_NetSurrenderToSettleOtherRSUsShares_label_en-US" xlink:label="lab_foa_NetSurrenderToSettleOtherRSUsShares" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Surrender To Settle Other RSUs, Shares</link:label>
    <link:label id="lab_foa_NetSurrenderToSettleOtherRSUsShares_documentation_en-US" xlink:label="lab_foa_NetSurrenderToSettleOtherRSUsShares" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Net surrender to settle other rsus.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_NetSurrenderToSettleOtherRSUsShares" xlink:href="foa-20260630.xsd#foa_NetSurrenderToSettleOtherRSUsShares"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_NetSurrenderToSettleOtherRSUsShares" xlink:to="lab_foa_NetSurrenderToSettleOtherRSUsShares" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OperatingLeaseRightOfUseAsset_019e2838-54b4-7419-8831-278765bba333_terseLabel_en-US" xlink:label="lab_us-gaap_OperatingLeaseRightOfUseAsset" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Right-of-use assets</link:label>
    <link:label id="lab_us-gaap_OperatingLeaseRightOfUseAsset_label_en-US" xlink:label="lab_us-gaap_OperatingLeaseRightOfUseAsset" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Operating Lease, Right-of-Use Asset</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseRightOfUseAsset" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingLeaseRightOfUseAsset"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OperatingLeaseRightOfUseAsset" xlink:to="lab_us-gaap_OperatingLeaseRightOfUseAsset" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsAbstract_019e2838-53e6-7c09-bd5e-86061ac3429f_terseLabel_en-US" xlink:label="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash, Cash Equivalent, Restricted Cash, and Restricted Cash Equivalent, Continuing Operation [Abstract]</link:label>
    <link:label id="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsAbstract_label_en-US" xlink:label="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash, Cash Equivalent, Restricted Cash, and Restricted Cash Equivalent, Continuing Operation [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsAbstract" xlink:to="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_October2026UnsecuritizedTailsMember_019e2838-53e6-7c84-84ef-50817ebf8f72_terseLabel_en-US" xlink:label="lab_foa_October2026UnsecuritizedTailsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">October 2026, Unsecuritized Tails</link:label>
    <link:label id="lab_foa_October2026UnsecuritizedTailsMember_label_en-US" xlink:label="lab_foa_October2026UnsecuritizedTailsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">October 2026, Unsecuritized Tails [Member]</link:label>
    <link:label id="lab_foa_October2026UnsecuritizedTailsMember_documentation_en-US" xlink:label="lab_foa_October2026UnsecuritizedTailsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">October 2026, Unsecuritized Tails</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_October2026UnsecuritizedTailsMember" xlink:href="foa-20260630.xsd#foa_October2026UnsecuritizedTailsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_October2026UnsecuritizedTailsMember" xlink:to="lab_foa_October2026UnsecuritizedTailsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_FinanceOfAmericaHoldingsLLCFAHMember_019e2838-54b4-781f-946e-dfa14dd683cd_terseLabel_en-US" xlink:label="lab_foa_FinanceOfAmericaHoldingsLLCFAHMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">FAH</link:label>
    <link:label id="lab_foa_FinanceOfAmericaHoldingsLLCFAHMember_label_en-US" xlink:label="lab_foa_FinanceOfAmericaHoldingsLLCFAHMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Finance Of America Holdings LLC ("FAH") [Member]</link:label>
    <link:label id="lab_foa_FinanceOfAmericaHoldingsLLCFAHMember_documentation_en-US" xlink:label="lab_foa_FinanceOfAmericaHoldingsLLCFAHMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Finance Of America Holdings LLC ("FAH")</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_FinanceOfAmericaHoldingsLLCFAHMember" xlink:href="foa-20260630.xsd#foa_FinanceOfAmericaHoldingsLLCFAHMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_FinanceOfAmericaHoldingsLLCFAHMember" xlink:to="lab_foa_FinanceOfAmericaHoldingsLLCFAHMember" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_FairValueOptionLiabilitiesHMBSObligations_019e2838-55e6-7854-bc7a-9279f5cc515e_terseLabel_en-US" xlink:label="lab_foa_FairValueOptionLiabilitiesHMBSObligations" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">HMBS related obligations, Fair Value</link:label>
    <link:label id="lab_foa_FairValueOptionLiabilitiesHMBSObligations_label_en-US" xlink:label="lab_foa_FairValueOptionLiabilitiesHMBSObligations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Option, Liabilities, HMBS Obligations</link:label>
    <link:label id="lab_foa_FairValueOptionLiabilitiesHMBSObligations_documentation_en-US" xlink:label="lab_foa_FairValueOptionLiabilitiesHMBSObligations" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Fair Value, Option, Liabilities, HMBS Obligations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_FairValueOptionLiabilitiesHMBSObligations" xlink:href="foa-20260630.xsd#foa_FairValueOptionLiabilitiesHMBSObligations"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_FairValueOptionLiabilitiesHMBSObligations" xlink:to="lab_foa_FairValueOptionLiabilitiesHMBSObligations" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueDisclosuresAbstract_label_en-US" xlink:label="lab_us-gaap_FairValueDisclosuresAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Disclosures [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract" xlink:to="lab_us-gaap_FairValueDisclosuresAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtDisclosureAbstract_label_en-US" xlink:label="lab_us-gaap_DebtDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Disclosure [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtDisclosureAbstract" xlink:to="lab_us-gaap_DebtDisclosureAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_ReverseMortgageLoansMember_019e2838-54b4-7252-8514-8e4555f58687_terseLabel_en-US" xlink:label="lab_foa_ReverseMortgageLoansMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reverse mortgage loans</link:label>
    <link:label id="lab_foa_ReverseMortgageLoansMember_label_en-US" xlink:label="lab_foa_ReverseMortgageLoansMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reverse Mortgage Loans [Member]</link:label>
    <link:label id="lab_foa_ReverseMortgageLoansMember_documentation_en-US" xlink:label="lab_foa_ReverseMortgageLoansMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Reverse Mortgage Loans [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_ReverseMortgageLoansMember" xlink:href="foa-20260630.xsd#foa_ReverseMortgageLoansMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_ReverseMortgageLoansMember" xlink:to="lab_foa_ReverseMortgageLoansMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtInstrumentNameDomain_019e2838-5556-7bd2-a7c9-f58ae5de6f17_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentNameDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt Instrument, Name [Domain]</link:label>
    <link:label id="lab_us-gaap_DebtInstrumentNameDomain_label_en-US" xlink:label="lab_us-gaap_DebtInstrumentNameDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument, Name [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtInstrumentNameDomain" xlink:to="lab_us-gaap_DebtInstrumentNameDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SegmentReportingDisclosureTextBlock_019e2838-54b4-7566-bdb3-4c514dbf3509_terseLabel_en-US" xlink:label="lab_us-gaap_SegmentReportingDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Business Segment Reporting</link:label>
    <link:label id="lab_us-gaap_SegmentReportingDisclosureTextBlock_label_en-US" xlink:label="lab_us-gaap_SegmentReportingDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Segment Reporting [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentReportingDisclosureTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SegmentReportingDisclosureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SegmentReportingDisclosureTextBlock" xlink:to="lab_us-gaap_SegmentReportingDisclosureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LineOfCredit_019e2838-5556-7128-936d-c539a7b7e640_terseLabel_en-US" xlink:label="lab_us-gaap_LineOfCredit" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Outstanding borrowings</link:label>
    <link:label id="lab_us-gaap_LineOfCredit_label_en-US" xlink:label="lab_us-gaap_LineOfCredit" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Long-Term Line of Credit</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCredit" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LineOfCredit"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LineOfCredit" xlink:to="lab_us-gaap_LineOfCredit" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_MinimumMember_019e2838-5555-7144-9b81-285e0082da7c_terseLabel_en-US" xlink:label="lab_srt_MinimumMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Minimum</link:label>
    <link:label id="lab_srt_MinimumMember_label_en-US" xlink:label="lab_srt_MinimumMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Minimum [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_MinimumMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_MinimumMember" xlink:to="lab_srt_MinimumMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FixedRateResidentialMortgageMember_019e2838-5555-72e7-91e6-dc9b06b100e5_terseLabel_en-US" xlink:label="lab_us-gaap_FixedRateResidentialMortgageMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fixed rate loans</link:label>
    <link:label id="lab_us-gaap_FixedRateResidentialMortgageMember_label_en-US" xlink:label="lab_us-gaap_FixedRateResidentialMortgageMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fixed Rate Residential Mortgage [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FixedRateResidentialMortgageMember" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FixedRateResidentialMortgageMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FixedRateResidentialMortgageMember" xlink:to="lab_us-gaap_FixedRateResidentialMortgageMember" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_RetainedBondsAndBeneficialInterestsEliminatedInConsolidation_019e2838-53e6-7e48-afae-adb7e045eeb3_terseLabel_en-US" xlink:label="lab_foa_RetainedBondsAndBeneficialInterestsEliminatedInConsolidation" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Retained bonds and beneficial interests eliminated in consolidation</link:label>
    <link:label id="lab_foa_RetainedBondsAndBeneficialInterestsEliminatedInConsolidation_label_en-US" xlink:label="lab_foa_RetainedBondsAndBeneficialInterestsEliminatedInConsolidation" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Retained Bonds And Beneficial Interests Eliminated In Consolidation</link:label>
    <link:label id="lab_foa_RetainedBondsAndBeneficialInterestsEliminatedInConsolidation_documentation_en-US" xlink:label="lab_foa_RetainedBondsAndBeneficialInterestsEliminatedInConsolidation" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Retained bonds and beneficial interests eliminated in consolidation.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_RetainedBondsAndBeneficialInterestsEliminatedInConsolidation" xlink:href="foa-20260630.xsd#foa_RetainedBondsAndBeneficialInterestsEliminatedInConsolidation"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_RetainedBondsAndBeneficialInterestsEliminatedInConsolidation" xlink:to="lab_foa_RetainedBondsAndBeneficialInterestsEliminatedInConsolidation" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_PercentageOfNetWorthToTotalAssets_019e2838-54b4-7b26-974f-2acb32bffd7c_terseLabel_en-US" xlink:label="lab_foa_PercentageOfNetWorthToTotalAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net worth to total assets (in percent)</link:label>
    <link:label id="lab_foa_PercentageOfNetWorthToTotalAssets_label_en-US" xlink:label="lab_foa_PercentageOfNetWorthToTotalAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage Of Net Worth To Total Assets</link:label>
    <link:label id="lab_foa_PercentageOfNetWorthToTotalAssets_documentation_en-US" xlink:label="lab_foa_PercentageOfNetWorthToTotalAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percentage of net worth to total assets.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_PercentageOfNetWorthToTotalAssets" xlink:href="foa-20260630.xsd#foa_PercentageOfNetWorthToTotalAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_PercentageOfNetWorthToTotalAssets" xlink:to="lab_foa_PercentageOfNetWorthToTotalAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RepaymentsOfOtherDebt_019e2838-5555-7fbe-9777-f8d9624eb07a_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_RepaymentsOfOtherDebt" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Payments on other financing lines of credit</link:label>
    <link:label id="lab_us-gaap_RepaymentsOfOtherDebt_label_en-US" xlink:label="lab_us-gaap_RepaymentsOfOtherDebt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Repayments of Other Debt</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepaymentsOfOtherDebt" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RepaymentsOfOtherDebt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RepaymentsOfOtherDebt" xlink:to="lab_us-gaap_RepaymentsOfOtherDebt" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_TrdArrExpirationDate_terseLabel_en-US" xlink:label="lab_ecd_TrdArrExpirationDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Expiration Date</link:label>
    <link:label id="lab_ecd_TrdArrExpirationDate_label_en-US" xlink:label="lab_ecd_TrdArrExpirationDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trading Arrangement Expiration Date</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrExpirationDate" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_TrdArrExpirationDate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_TrdArrExpirationDate" xlink:to="lab_ecd_TrdArrExpirationDate" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_August2026June2027FirstAndSecondLienMortgagesMember_019e2838-54b4-7699-926f-d51cfaa47c0d_terseLabel_en-US" xlink:label="lab_foa_August2026June2027FirstAndSecondLienMortgagesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">June 2026 - December 2026, First and Second Lien Mortgages</link:label>
    <link:label id="lab_foa_August2026June2027FirstAndSecondLienMortgagesMember_label_en-US" xlink:label="lab_foa_August2026June2027FirstAndSecondLienMortgagesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">August 2026 - June 2027, First And Second Lien Mortgages [Member]</link:label>
    <link:label id="lab_foa_August2026June2027FirstAndSecondLienMortgagesMember_documentation_en-US" xlink:label="lab_foa_August2026June2027FirstAndSecondLienMortgagesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">August 2026 - June 2027, First And Second Lien Mortgages</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_August2026June2027FirstAndSecondLienMortgagesMember" xlink:href="foa-20260630.xsd#foa_August2026June2027FirstAndSecondLienMortgagesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_August2026June2027FirstAndSecondLienMortgagesMember" xlink:to="lab_foa_August2026June2027FirstAndSecondLienMortgagesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_StockRetiredDuringPeriodShares_019e2838-54b4-79a4-a08a-1af72240814d_negatedTerseLabel_en-US" xlink:label="lab_foa_StockRetiredDuringPeriodShares" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Class B share retirement (in shares)</link:label>
    <link:label id="lab_foa_StockRetiredDuringPeriodShares_label_en-US" xlink:label="lab_foa_StockRetiredDuringPeriodShares" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Stock Retired During Period, Shares</link:label>
    <link:label id="lab_foa_StockRetiredDuringPeriodShares_documentation_en-US" xlink:label="lab_foa_StockRetiredDuringPeriodShares" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Stock Retired During Period, Shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_StockRetiredDuringPeriodShares" xlink:href="foa-20260630.xsd#foa_StockRetiredDuringPeriodShares"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_StockRetiredDuringPeriodShares" xlink:to="lab_foa_StockRetiredDuringPeriodShares" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour_019e2838-54b4-71ec-9363-4aae05183948_terseLabel_en-US" xlink:label="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2030</link:label>
    <link:label id="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour_label_en-US" xlink:label="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Long-Term Debt, Maturity, Year Four</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour" xlink:to="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_019e2838-54b4-7368-94bf-77d4ed12ecfa_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Table]</link:label>
    <link:label id="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_label_en-US" xlink:label="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable" xlink:to="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_WorkingCapitalPromissoryNotesMember_019e2838-5556-7905-938d-8cb42437addd_terseLabel_en-US" xlink:label="lab_foa_WorkingCapitalPromissoryNotesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Working Capital Promissory Notes</link:label>
    <link:label id="lab_foa_WorkingCapitalPromissoryNotesMember_label_en-US" xlink:label="lab_foa_WorkingCapitalPromissoryNotesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Working Capital Promissory Notes [Member]</link:label>
    <link:label id="lab_foa_WorkingCapitalPromissoryNotesMember_documentation_en-US" xlink:label="lab_foa_WorkingCapitalPromissoryNotesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Working Capital Promissory Notes</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_WorkingCapitalPromissoryNotesMember" xlink:href="foa-20260630.xsd#foa_WorkingCapitalPromissoryNotesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_WorkingCapitalPromissoryNotesMember" xlink:to="lab_foa_WorkingCapitalPromissoryNotesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_MaximumAllowableDistributionMember_019e2838-54b4-713c-bfd7-24fa9608e21b_terseLabel_en-US" xlink:label="lab_foa_MaximumAllowableDistributionMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Maximum Allowable Distribution</link:label>
    <link:label id="lab_foa_MaximumAllowableDistributionMember_label_en-US" xlink:label="lab_foa_MaximumAllowableDistributionMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Maximum Allowable Distribution [Member]</link:label>
    <link:label id="lab_foa_MaximumAllowableDistributionMember_documentation_en-US" xlink:label="lab_foa_MaximumAllowableDistributionMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Maximum allowable distribution.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_MaximumAllowableDistributionMember" xlink:href="foa-20260630.xsd#foa_MaximumAllowableDistributionMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_MaximumAllowableDistributionMember" xlink:to="lab_foa_MaximumAllowableDistributionMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_VariableInterestEntityDisclosureTextBlock_019e2838-55e6-7fa6-9047-e247401bb9d8_terseLabel_en-US" xlink:label="lab_us-gaap_VariableInterestEntityDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Variable Interest Entities and Securitizations</link:label>
    <link:label id="lab_us-gaap_VariableInterestEntityDisclosureTextBlock_label_en-US" xlink:label="lab_us-gaap_VariableInterestEntityDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variable Interest Entity Disclosure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityDisclosureTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_VariableInterestEntityDisclosureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_VariableInterestEntityDisclosureTextBlock" xlink:to="lab_us-gaap_VariableInterestEntityDisclosureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LiabilitiesAbstract_019e2838-54b4-7d06-ac18-e385ee90dda1_terseLabel_en-US" xlink:label="lab_us-gaap_LiabilitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">LIABILITIES</link:label>
    <link:label id="lab_us-gaap_LiabilitiesAbstract_019e2838-54b4-7308-a11f-8104472a628e_verboseLabel_en-US" xlink:label="lab_us-gaap_LiabilitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Liabilities</link:label>
    <link:label id="lab_us-gaap_LiabilitiesAbstract_label_en-US" xlink:label="lab_us-gaap_LiabilitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liabilities [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilitiesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LiabilitiesAbstract" xlink:to="lab_us-gaap_LiabilitiesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_MeasurementInputLoanToValueMember_019e2838-54b4-7b0d-8ba9-8acdeee406d7_terseLabel_en-US" xlink:label="lab_foa_MeasurementInputLoanToValueMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">LTV</link:label>
    <link:label id="lab_foa_MeasurementInputLoanToValueMember_label_en-US" xlink:label="lab_foa_MeasurementInputLoanToValueMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Measurement Input, Loan to Value [Member]</link:label>
    <link:label id="lab_foa_MeasurementInputLoanToValueMember_documentation_en-US" xlink:label="lab_foa_MeasurementInputLoanToValueMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Measurement Input, Loan to Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_MeasurementInputLoanToValueMember" xlink:href="foa-20260630.xsd#foa_MeasurementInputLoanToValueMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_MeasurementInputLoanToValueMember" xlink:to="lab_foa_MeasurementInputLoanToValueMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract_019e2838-54b4-73c4-91e9-107fa79a7023_terseLabel_en-US" xlink:label="lab_us-gaap_WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Denominator</link:label>
    <link:label id="lab_us-gaap_WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract_label_en-US" xlink:label="lab_us-gaap_WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Weighted Average Number of Shares Outstanding Reconciliation [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract"/>
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    <link:label id="lab_us-gaap_DebtInstrumentMaturityDateDescription_019e2838-5555-71f1-b13d-b7e78cb8d079_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentMaturityDateDescription" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Final Maturity Date</link:label>
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    <link:label id="lab_us-gaap_IncomeLossFromContinuingOperationsPerDilutedShare_019e2838-5556-7459-b533-bd393db846b4_verboseLabel_en-US" xlink:label="lab_us-gaap_IncomeLossFromContinuingOperationsPerDilutedShare" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Continuing operations (in USD per shares)</link:label>
    <link:label id="lab_us-gaap_IncomeLossFromContinuingOperationsPerDilutedShare_label_en-US" xlink:label="lab_us-gaap_IncomeLossFromContinuingOperationsPerDilutedShare" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income (Loss) from Continuing Operations, Per Diluted Share</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsPerDilutedShare" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeLossFromContinuingOperationsPerDilutedShare"/>
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    <link:label id="lab_us-gaap_IncomeLossFromContinuingOperationsPerBasicShare_019e2838-5555-7205-bfe4-2911dd4778b0_verboseLabel_en-US" xlink:label="lab_us-gaap_IncomeLossFromContinuingOperationsPerBasicShare" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Continuing operations (in USD per share)</link:label>
    <link:label id="lab_us-gaap_IncomeLossFromContinuingOperationsPerBasicShare_label_en-US" xlink:label="lab_us-gaap_IncomeLossFromContinuingOperationsPerBasicShare" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income (Loss) from Continuing Operations, Per Basic Share</link:label>
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    <link:label id="lab_us-gaap_ProceedsFromOtherDebt_019e2838-54b4-7fe5-9368-c68e30359356_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromOtherDebt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Proceeds from other financing lines of credit</link:label>
    <link:label id="lab_us-gaap_ProceedsFromOtherDebt_label_en-US" xlink:label="lab_us-gaap_ProceedsFromOtherDebt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds from Other Debt</link:label>
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    <link:label id="lab_ecd_NonRule10b51ArrAdoptedFlag_terseLabel_en-US" xlink:label="lab_ecd_NonRule10b51ArrAdoptedFlag" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-Rule 10b5-1 Arrangement Adopted</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonRule10b51ArrAdoptedFlag" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_NonRule10b51ArrAdoptedFlag"/>
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    <link:label id="lab_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_019e2838-54b4-7880-a39e-a2df87ba03a9_totalLabel_en-US" xlink:label="lab_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">TOTAL EQUITY</link:label>
    <link:label id="lab_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_019e2838-54b4-7a73-84a7-e19b8c7753d6_periodStartLabel_en-US" xlink:label="lab_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Beginning balance</link:label>
    <link:label id="lab_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_019e2838-54b4-7625-ad2d-7135fe31040c_periodEndLabel_en-US" xlink:label="lab_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Ending balance</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest"/>
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    <link:label id="lab_ecd_EqtyAwrdsInSummryCompstnTblForAplblYrMember_terseLabel_en-US" xlink:label="lab_ecd_EqtyAwrdsInSummryCompstnTblForAplblYrMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Aggregate Grant Date Fair Value of Equity Award Amounts Reported in Summary Compensation Table</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_ecd_EqtyAwrdsInSummryCompstnTblForAplblYrMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_EqtyAwrdsInSummryCompstnTblForAplblYrMember"/>
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    <link:label id="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_019e2838-55e6-7e38-9706-e1703ab59a43_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems"/>
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    <link:label id="lab_srt_AffiliatedEntityMember_019e2838-55e6-704e-92ef-cb4290a68749_terseLabel_en-US" xlink:label="lab_srt_AffiliatedEntityMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Affiliated Entity</link:label>
    <link:label id="lab_srt_AffiliatedEntityMember_label_en-US" xlink:label="lab_srt_AffiliatedEntityMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Affiliated Entity [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_AffiliatedEntityMember" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_AffiliatedEntityMember"/>
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    <link:label id="lab_foa_AssetAcquisitionPayablesAndOtherLiabilities_019f93b0-5302-7569-84b7-38501e73ede1_terseLabel_en-US" xlink:label="lab_foa_AssetAcquisitionPayablesAndOtherLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Payables and other liabilities</link:label>
    <link:label id="lab_foa_AssetAcquisitionPayablesAndOtherLiabilities_label_en-US" xlink:label="lab_foa_AssetAcquisitionPayablesAndOtherLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Asset Acquisition, Payables And Other Liabilities</link:label>
    <link:label id="lab_foa_AssetAcquisitionPayablesAndOtherLiabilities_documentation_en-US" xlink:label="lab_foa_AssetAcquisitionPayablesAndOtherLiabilities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Asset Acquisition, Payables And Other Liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_AssetAcquisitionPayablesAndOtherLiabilities" xlink:href="foa-20260630.xsd#foa_AssetAcquisitionPayablesAndOtherLiabilities"/>
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    <link:label id="lab_ecd_AggtPnsnAdjsSvcCstMember_terseLabel_en-US" xlink:label="lab_ecd_AggtPnsnAdjsSvcCstMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Aggregate Pension Adjustments Service Cost</link:label>
    <link:label id="lab_ecd_AggtPnsnAdjsSvcCstMember_label_en-US" xlink:label="lab_ecd_AggtPnsnAdjsSvcCstMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Aggregate Pension Adjustments Service Cost [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AggtPnsnAdjsSvcCstMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AggtPnsnAdjsSvcCstMember"/>
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    <link:label id="lab_us-gaap_CommonStockSharesAuthorized_019e2838-54b4-7ee5-896d-152d792b7769_terseLabel_en-US" xlink:label="lab_us-gaap_CommonStockSharesAuthorized" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Common stock, authorized (in shares)</link:label>
    <link:label id="lab_us-gaap_CommonStockSharesAuthorized_label_en-US" xlink:label="lab_us-gaap_CommonStockSharesAuthorized" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Stock, Shares Authorized</link:label>
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    <link:label id="lab_foa_PortfolioManagementMember_019e2838-54b4-7cdc-96b9-5953417f0b85_terseLabel_en-US" xlink:label="lab_foa_PortfolioManagementMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Portfolio Management</link:label>
    <link:label id="lab_foa_PortfolioManagementMember_label_en-US" xlink:label="lab_foa_PortfolioManagementMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Portfolio Management [Member]</link:label>
    <link:label id="lab_foa_PortfolioManagementMember_documentation_en-US" xlink:label="lab_foa_PortfolioManagementMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Portfolio Management [Member]</link:label>
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    <link:label id="lab_foa_ReallocationOfNetIncomeLossFromDiscontinuedOperationsAssumingExchange_019e2838-53e6-780d-93c3-256956a637e7_terseLabel_en-US" xlink:label="lab_foa_ReallocationOfNetIncomeLossFromDiscontinuedOperationsAssumingExchange" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reallocation of net loss from discontinued operations assuming exchange of Class A LLC Units</link:label>
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    <link:label id="lab_foa_AssetAcquisitionHMBSRelatedObligations_019f93af-7a03-7fb1-9153-3fc91a8aa7c1_terseLabel_en-US" xlink:label="lab_foa_AssetAcquisitionHMBSRelatedObligations" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">HMBS related obligations</link:label>
    <link:label id="lab_foa_AssetAcquisitionHMBSRelatedObligations_label_en-US" xlink:label="lab_foa_AssetAcquisitionHMBSRelatedObligations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Asset Acquisition, HMBS Related Obligations</link:label>
    <link:label id="lab_foa_AssetAcquisitionHMBSRelatedObligations_documentation_en-US" xlink:label="lab_foa_AssetAcquisitionHMBSRelatedObligations" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Asset Acquisition, HMBS Related Obligations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_AssetAcquisitionHMBSRelatedObligations" xlink:href="foa-20260630.xsd#foa_AssetAcquisitionHMBSRelatedObligations"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_AssetAcquisitionHMBSRelatedObligations" xlink:to="lab_foa_AssetAcquisitionHMBSRelatedObligations" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RelatedPartyTransactionAxis_019e2838-5555-7d21-97bb-c526beaa8b42_terseLabel_en-US" xlink:label="lab_us-gaap_RelatedPartyTransactionAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Related Party Transaction [Axis]</link:label>
    <link:label id="lab_us-gaap_RelatedPartyTransactionAxis_label_en-US" xlink:label="lab_us-gaap_RelatedPartyTransactionAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Related Party Transaction [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyTransactionAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RelatedPartyTransactionAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RelatedPartyTransactionAxis" xlink:to="lab_us-gaap_RelatedPartyTransactionAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_StockRepurchaseProgramAuthorizedAmount1_019e2838-55e6-7905-a1c3-69b9e960b0a7_terseLabel_en-US" xlink:label="lab_srt_StockRepurchaseProgramAuthorizedAmount1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total consideration</link:label>
    <link:label id="lab_srt_StockRepurchaseProgramAuthorizedAmount1_label_en-US" xlink:label="lab_srt_StockRepurchaseProgramAuthorizedAmount1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share Repurchase Program, Authorized, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_StockRepurchaseProgramAuthorizedAmount1" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_StockRepurchaseProgramAuthorizedAmount1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_StockRepurchaseProgramAuthorizedAmount1" xlink:to="lab_srt_StockRepurchaseProgramAuthorizedAmount1" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SegmentReportingInformationLineItems_019e2838-54b4-7b85-870c-a1fa3b8000e8_terseLabel_en-US" xlink:label="lab_us-gaap_SegmentReportingInformationLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Segment Reporting [Line Items]</link:label>
    <link:label id="lab_us-gaap_SegmentReportingInformationLineItems_label_en-US" xlink:label="lab_us-gaap_SegmentReportingInformationLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Segment Reporting [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentReportingInformationLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SegmentReportingInformationLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems" xlink:to="lab_us-gaap_SegmentReportingInformationLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AssetAcquisitionAbstract_label_en-US" xlink:label="lab_us-gaap_AssetAcquisitionAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Asset Acquisition [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetAcquisitionAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AssetAcquisitionAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AssetAcquisitionAbstract" xlink:to="lab_us-gaap_AssetAcquisitionAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_RetainedBondsMember_019e2838-55e6-7846-a5ed-ef2ed7e37571_terseLabel_en-US" xlink:label="lab_foa_RetainedBondsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Retained bonds</link:label>
    <link:label id="lab_foa_RetainedBondsMember_label_en-US" xlink:label="lab_foa_RetainedBondsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Retained Bonds [Member]</link:label>
    <link:label id="lab_foa_RetainedBondsMember_documentation_en-US" xlink:label="lab_foa_RetainedBondsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Retained bonds [Member].</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_RetainedBondsMember" xlink:href="foa-20260630.xsd#foa_RetainedBondsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_RetainedBondsMember" xlink:to="lab_foa_RetainedBondsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentQuarterlyReport_019e2838-5555-7f1a-b891-b9c142b68939_terseLabel_en-US" xlink:label="lab_dei_DocumentQuarterlyReport" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Document Quarterly Report</link:label>
    <link:label id="lab_dei_DocumentQuarterlyReport_label_en-US" xlink:label="lab_dei_DocumentQuarterlyReport" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Quarterly Report</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentQuarterlyReport" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_DocumentQuarterlyReport"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentQuarterlyReport" xlink:to="lab_dei_DocumentQuarterlyReport" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_ChngInFrValOfOutsdngAndUnvstdEqtyAwrdsGrntdInPrrYrsMember_terseLabel_en-US" xlink:label="lab_ecd_ChngInFrValOfOutsdngAndUnvstdEqtyAwrdsGrntdInPrrYrsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Year-over-Year Change in Fair Value of Equity Awards Granted in Prior Years That are Outstanding and Unvested</link:label>
    <link:label id="lab_ecd_ChngInFrValOfOutsdngAndUnvstdEqtyAwrdsGrntdInPrrYrsMember_label_en-US" xlink:label="lab_ecd_ChngInFrValOfOutsdngAndUnvstdEqtyAwrdsGrntdInPrrYrsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Year-over-Year Change in Fair Value of Equity Awards Granted in Prior Years That are Outstanding and Unvested [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ChngInFrValOfOutsdngAndUnvstdEqtyAwrdsGrntdInPrrYrsMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_ChngInFrValOfOutsdngAndUnvstdEqtyAwrdsGrntdInPrrYrsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_ChngInFrValOfOutsdngAndUnvstdEqtyAwrdsGrntdInPrrYrsMember" xlink:to="lab_ecd_ChngInFrValOfOutsdngAndUnvstdEqtyAwrdsGrntdInPrrYrsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SegmentDomain_019e2838-53e6-7bec-8825-59e7aed7288d_terseLabel_en-US" xlink:label="lab_us-gaap_SegmentDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Segments [Domain]</link:label>
    <link:label id="lab_us-gaap_SegmentDomain_label_en-US" xlink:label="lab_us-gaap_SegmentDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Segments [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SegmentDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SegmentDomain" xlink:to="lab_us-gaap_SegmentDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_NonrecourseLoanFinancingLiability_019e2838-54b4-787d-a0be-82f96ec2a3ba_terseLabel_en-US" xlink:label="lab_foa_NonrecourseLoanFinancingLiability" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Nonrecourse loan financing liability</link:label>
    <link:label id="lab_foa_NonrecourseLoanFinancingLiability_label_en-US" xlink:label="lab_foa_NonrecourseLoanFinancingLiability" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Nonrecourse Loan Financing Liability</link:label>
    <link:label id="lab_foa_NonrecourseLoanFinancingLiability_documentation_en-US" xlink:label="lab_foa_NonrecourseLoanFinancingLiability" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Nonrecourse Loan Financing Liability</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_NonrecourseLoanFinancingLiability" xlink:href="foa-20260630.xsd#foa_NonrecourseLoanFinancingLiability"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_NonrecourseLoanFinancingLiability" xlink:to="lab_foa_NonrecourseLoanFinancingLiability" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_PaymentsForAssetAcquisitionsContractualHoldback_019fa0b4-2e4e-74a6-9e8d-048609e3ebc5_terseLabel_en-US" xlink:label="lab_foa_PaymentsForAssetAcquisitionsContractualHoldback" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash consideration, contractual holdback</link:label>
    <link:label id="lab_foa_PaymentsForAssetAcquisitionsContractualHoldback_label_en-US" xlink:label="lab_foa_PaymentsForAssetAcquisitionsContractualHoldback" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payments for Asset Acquisitions, Contractual Holdback</link:label>
    <link:label id="lab_foa_PaymentsForAssetAcquisitionsContractualHoldback_documentation_en-US" xlink:label="lab_foa_PaymentsForAssetAcquisitionsContractualHoldback" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Payments for Asset Acquisitions, Contractual Holdback</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_PaymentsForAssetAcquisitionsContractualHoldback" xlink:href="foa-20260630.xsd#foa_PaymentsForAssetAcquisitionsContractualHoldback"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_PaymentsForAssetAcquisitionsContractualHoldback" xlink:to="lab_foa_PaymentsForAssetAcquisitionsContractualHoldback" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EffectOfExchangeRateOnCashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations_019e2838-5555-7787-b5e9-dd0d9419fbb0_terseLabel_en-US" xlink:label="lab_us-gaap_EffectOfExchangeRateOnCashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Effect of exchange rate changes on cash and cash equivalents</link:label>
    <link:label id="lab_us-gaap_EffectOfExchangeRateOnCashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations_label_en-US" xlink:label="lab_us-gaap_EffectOfExchangeRateOnCashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Effect of Exchange Rate on Cash, Cash Equivalent, Restricted Cash, and Restricted Cash Equivalent, Including Discontinued Operation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectOfExchangeRateOnCashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EffectOfExchangeRateOnCashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EffectOfExchangeRateOnCashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations" xlink:to="lab_us-gaap_EffectOfExchangeRateOnCashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AccountsReceivableNet_019e2838-54b4-7dd0-8592-62634b5725a4_terseLabel_en-US" xlink:label="lab_us-gaap_AccountsReceivableNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Receivables, net of $0 and $8,264 allowance as of June&#160;30, 2026 and December&#160;31, 2025</link:label>
    <link:label id="lab_us-gaap_AccountsReceivableNet_label_en-US" xlink:label="lab_us-gaap_AccountsReceivableNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accounts Receivable, after Allowance for Credit Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsReceivableNet" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccountsReceivableNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AccountsReceivableNet" xlink:to="lab_us-gaap_AccountsReceivableNet" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_AssetAcquisitionLiabilityAssumedAbstract_019f93b8-1a88-786a-b670-ed252a516e65_terseLabel_en-US" xlink:label="lab_foa_AssetAcquisitionLiabilityAssumedAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Liabilities assumed:</link:label>
    <link:label id="lab_foa_AssetAcquisitionLiabilityAssumedAbstract_label_en-US" xlink:label="lab_foa_AssetAcquisitionLiabilityAssumedAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Asset Acquisition, Liability Assumed [Abstract]</link:label>
    <link:label id="lab_foa_AssetAcquisitionLiabilityAssumedAbstract_documentation_en-US" xlink:label="lab_foa_AssetAcquisitionLiabilityAssumedAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Asset Acquisition, Liability Assumed</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_AssetAcquisitionLiabilityAssumedAbstract" xlink:href="foa-20260630.xsd#foa_AssetAcquisitionLiabilityAssumedAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_AssetAcquisitionLiabilityAssumedAbstract" xlink:to="lab_foa_AssetAcquisitionLiabilityAssumedAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SegmentOperatingActivitiesDomain_019e2838-55e6-7785-87fa-1a759cc5f6cd_terseLabel_en-US" xlink:label="lab_us-gaap_SegmentOperatingActivitiesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Operating Activities [Domain]</link:label>
    <link:label id="lab_us-gaap_SegmentOperatingActivitiesDomain_label_en-US" xlink:label="lab_us-gaap_SegmentOperatingActivitiesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Operating Activities [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentOperatingActivitiesDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SegmentOperatingActivitiesDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SegmentOperatingActivitiesDomain" xlink:to="lab_us-gaap_SegmentOperatingActivitiesDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ContractualObligation_019e2838-54b4-7991-91b4-09545bdc52ee_terseLabel_en-US" xlink:label="lab_us-gaap_ContractualObligation" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Unfunded loan commitments</link:label>
    <link:label id="lab_us-gaap_ContractualObligation_label_en-US" xlink:label="lab_us-gaap_ContractualObligation" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Contractual Obligation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractualObligation" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ContractualObligation"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ContractualObligation" xlink:to="lab_us-gaap_ContractualObligation" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_DebtInstrumentCovenantDescriptionLineItems_019e2838-54b4-7e7c-8847-3674bccb3db8_terseLabel_en-US" xlink:label="lab_foa_DebtInstrumentCovenantDescriptionLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt Instrument Covenant Description [Line Items]</link:label>
    <link:label id="lab_foa_DebtInstrumentCovenantDescriptionLineItems_label_en-US" xlink:label="lab_foa_DebtInstrumentCovenantDescriptionLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument Covenant Description [Line Items]</link:label>
    <link:label id="lab_foa_DebtInstrumentCovenantDescriptionLineItems_documentation_en-US" xlink:label="lab_foa_DebtInstrumentCovenantDescriptionLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Debt Instrument Covenant Description [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_DebtInstrumentCovenantDescriptionLineItems" xlink:href="foa-20260630.xsd#foa_DebtInstrumentCovenantDescriptionLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_DebtInstrumentCovenantDescriptionLineItems" xlink:to="lab_foa_DebtInstrumentCovenantDescriptionLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AwardsCloseToMnpiDiscTableTextBlock_terseLabel_en-US" xlink:label="lab_ecd_AwardsCloseToMnpiDiscTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Awards Close in Time to MNPI Disclosures, Table</link:label>
    <link:label id="lab_ecd_AwardsCloseToMnpiDiscTableTextBlock_label_en-US" xlink:label="lab_ecd_AwardsCloseToMnpiDiscTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Awards Close in Time to MNPI Disclosures [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardsCloseToMnpiDiscTableTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AwardsCloseToMnpiDiscTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AwardsCloseToMnpiDiscTableTextBlock" xlink:to="lab_ecd_AwardsCloseToMnpiDiscTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_LoansTransferredToLoansHeldForSaleAtFairValueFromLoansHeldForInvestmentSubjectToNonrecourseDebtAtFairValue_019e2838-5555-7225-809a-ff2b80d14110_terseLabel_en-US" xlink:label="lab_foa_LoansTransferredToLoansHeldForSaleAtFairValueFromLoansHeldForInvestmentSubjectToNonrecourseDebtAtFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans transferred to loans held for sale, at fair value, from loans held for investment, subject to nonrecourse debt, at fair value</link:label>
    <link:label id="lab_foa_LoansTransferredToLoansHeldForSaleAtFairValueFromLoansHeldForInvestmentSubjectToNonrecourseDebtAtFairValue_label_en-US" xlink:label="lab_foa_LoansTransferredToLoansHeldForSaleAtFairValueFromLoansHeldForInvestmentSubjectToNonrecourseDebtAtFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans Transferred to Loans Held for Sale, at Fair Value, From Loans Held for Investment, Subject to Nonrecourse Debt, at Fair Value</link:label>
    <link:label id="lab_foa_LoansTransferredToLoansHeldForSaleAtFairValueFromLoansHeldForInvestmentSubjectToNonrecourseDebtAtFairValue_documentation_en-US" xlink:label="lab_foa_LoansTransferredToLoansHeldForSaleAtFairValueFromLoansHeldForInvestmentSubjectToNonrecourseDebtAtFairValue" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans Transferred to Loans Held for Sale, at Fair Value, From Loans Held for Investment, Subject to Nonrecourse Debt, at Fair Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_LoansTransferredToLoansHeldForSaleAtFairValueFromLoansHeldForInvestmentSubjectToNonrecourseDebtAtFairValue" xlink:href="foa-20260630.xsd#foa_LoansTransferredToLoansHeldForSaleAtFairValueFromLoansHeldForInvestmentSubjectToNonrecourseDebtAtFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_LoansTransferredToLoansHeldForSaleAtFairValueFromLoansHeldForInvestmentSubjectToNonrecourseDebtAtFairValue" xlink:to="lab_foa_LoansTransferredToLoansHeldForSaleAtFairValueFromLoansHeldForInvestmentSubjectToNonrecourseDebtAtFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EquityComponentDomain_019e2838-53e6-7ed1-b368-bc75eba64dd8_terseLabel_en-US" xlink:label="lab_us-gaap_EquityComponentDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity Component [Domain]</link:label>
    <link:label id="lab_us-gaap_EquityComponentDomain_label_en-US" xlink:label="lab_us-gaap_EquityComponentDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity Component [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquityComponentDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EquityComponentDomain" xlink:to="lab_us-gaap_EquityComponentDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_HawtTwoThousandAndTwentyOneInvOneSecuritizationMember_019e2838-53e6-70cb-a6e2-a96e4bd914b3_terseLabel_en-US" xlink:label="lab_foa_HawtTwoThousandAndTwentyOneInvOneSecuritizationMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">HAWT Two Thousand And Twenty One Inv One Securitization</link:label>
    <link:label id="lab_foa_HawtTwoThousandAndTwentyOneInvOneSecuritizationMember_label_en-US" xlink:label="lab_foa_HawtTwoThousandAndTwentyOneInvOneSecuritizationMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">HAWT Two Thousand And Twenty One Inv One Securitization [Member]</link:label>
    <link:label id="lab_foa_HawtTwoThousandAndTwentyOneInvOneSecuritizationMember_documentation_en-US" xlink:label="lab_foa_HawtTwoThousandAndTwentyOneInvOneSecuritizationMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">HAWT Two Thousand And Twenty One Inv One Securitization [Member].</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_HawtTwoThousandAndTwentyOneInvOneSecuritizationMember" xlink:href="foa-20260630.xsd#foa_HawtTwoThousandAndTwentyOneInvOneSecuritizationMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_HawtTwoThousandAndTwentyOneInvOneSecuritizationMember" xlink:to="lab_foa_HawtTwoThousandAndTwentyOneInvOneSecuritizationMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_PeoActuallyPaidCompAmt_terseLabel_en-US" xlink:label="lab_ecd_PeoActuallyPaidCompAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">PEO Actually Paid Compensation Amount</link:label>
    <link:label id="lab_ecd_PeoActuallyPaidCompAmt_label_en-US" xlink:label="lab_ecd_PeoActuallyPaidCompAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">PEO Actually Paid Compensation Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeoActuallyPaidCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_PeoActuallyPaidCompAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_PeoActuallyPaidCompAmt" xlink:to="lab_ecd_PeoActuallyPaidCompAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1_019e2838-55e6-7b37-af32-fa1de8c911b1_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total gain (loss) included in earnings</link:label>
    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1_label_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Gain (Loss) Included in Earnings</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1" xlink:to="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_MeasurementInputTypeDomain_019e2838-53e6-701a-a5bc-6e4fc7cfa801_terseLabel_en-US" xlink:label="lab_us-gaap_MeasurementInputTypeDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Measurement Input Type [Domain]</link:label>
    <link:label id="lab_us-gaap_MeasurementInputTypeDomain_label_en-US" xlink:label="lab_us-gaap_MeasurementInputTypeDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Measurement Input Type [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputTypeDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MeasurementInputTypeDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_MeasurementInputTypeDomain" xlink:to="lab_us-gaap_MeasurementInputTypeDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SecuredDebtMember_019e2838-55e6-71df-afb1-28065edfb534_terseLabel_en-US" xlink:label="lab_us-gaap_SecuredDebtMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Secured Debt</link:label>
    <link:label id="lab_us-gaap_SecuredDebtMember_label_en-US" xlink:label="lab_us-gaap_SecuredDebtMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Secured Debt [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuredDebtMember" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SecuredDebtMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SecuredDebtMember" xlink:to="lab_us-gaap_SecuredDebtMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LoansReceivableFairValueDisclosure_019e2838-54b4-7ba2-80c3-0d286856f96a_terseLabel_en-US" xlink:label="lab_us-gaap_LoansReceivableFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans held for investment, at fair value</link:label>
    <link:label id="lab_us-gaap_LoansReceivableFairValueDisclosure_label_en-US" xlink:label="lab_us-gaap_LoansReceivableFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans Receivable, Fair Value Disclosure</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableFairValueDisclosure" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LoansReceivableFairValueDisclosure"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LoansReceivableFairValueDisclosure" xlink:to="lab_us-gaap_LoansReceivableFairValueDisclosure" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_PaymentsforAssetAcquisitions_019fa0bf-6c36-7906-8cbd-1d7212ff8c40_negatedTerseLabel_en-US" xlink:label="lab_foa_PaymentsforAssetAcquisitions" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Acquisition of Onity Mortgage Corporation net portfolio assets</link:label>
    <link:label id="lab_foa_PaymentsforAssetAcquisitions_019fa0b5-4e81-7bae-95d9-88566fafc14b_totalLabel_en-US" xlink:label="lab_foa_PaymentsforAssetAcquisitions" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Cash consideration</link:label>
    <link:label id="lab_foa_PaymentsforAssetAcquisitions_label_en-US" xlink:label="lab_foa_PaymentsforAssetAcquisitions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payments for Asset Acquisitions</link:label>
    <link:label id="lab_foa_PaymentsforAssetAcquisitions_documentation_en-US" xlink:label="lab_foa_PaymentsforAssetAcquisitions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Payments for Asset Acquisitions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_PaymentsforAssetAcquisitions" xlink:href="foa-20260630.xsd#foa_PaymentsforAssetAcquisitions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_PaymentsforAssetAcquisitions" xlink:to="lab_foa_PaymentsforAssetAcquisitions" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ProceedsFromSaleOfLoansAndLeasesHeldForInvestment_019e2838-5555-7708-89cf-86f1230dd621_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromSaleOfLoansAndLeasesHeldForInvestment" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Proceeds/payments received on loans held for investment</link:label>
    <link:label id="lab_us-gaap_ProceedsFromSaleOfLoansAndLeasesHeldForInvestment_label_en-US" xlink:label="lab_us-gaap_ProceedsFromSaleOfLoansAndLeasesHeldForInvestment" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds from Sale, Loan and Lease, Held-for-Investment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfLoansAndLeasesHeldForInvestment" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromSaleOfLoansAndLeasesHeldForInvestment"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProceedsFromSaleOfLoansAndLeasesHeldForInvestment" xlink:to="lab_us-gaap_ProceedsFromSaleOfLoansAndLeasesHeldForInvestment" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_NonRecourseDebtPerformingAndNonperformingHECMSecuritizationsMember_019e2838-54b4-70c7-a762-dc187ea0a02c_terseLabel_en-US" xlink:label="lab_foa_NonRecourseDebtPerformingAndNonperformingHECMSecuritizationsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Performing/nonperforming HECM securitizations</link:label>
    <link:label id="lab_foa_NonRecourseDebtPerformingAndNonperformingHECMSecuritizationsMember_label_en-US" xlink:label="lab_foa_NonRecourseDebtPerformingAndNonperformingHECMSecuritizationsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-Recourse Debt, Performing And Nonperforming HECM Securitizations [Member]</link:label>
    <link:label id="lab_foa_NonRecourseDebtPerformingAndNonperformingHECMSecuritizationsMember_documentation_en-US" xlink:label="lab_foa_NonRecourseDebtPerformingAndNonperformingHECMSecuritizationsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Non-Recourse Debt, Performing And Nonperforming HECM Securitizations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_NonRecourseDebtPerformingAndNonperformingHECMSecuritizationsMember" xlink:href="foa-20260630.xsd#foa_NonRecourseDebtPerformingAndNonperformingHECMSecuritizationsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_NonRecourseDebtPerformingAndNonperformingHECMSecuritizationsMember" xlink:to="lab_foa_NonRecourseDebtPerformingAndNonperformingHECMSecuritizationsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_TrdArrAdoptionDate_terseLabel_en-US" xlink:label="lab_ecd_TrdArrAdoptionDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Adoption Date</link:label>
    <link:label id="lab_ecd_TrdArrAdoptionDate_label_en-US" xlink:label="lab_ecd_TrdArrAdoptionDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trading Arrangement Adoption Date</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrAdoptionDate" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_TrdArrAdoptionDate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_TrdArrAdoptionDate" xlink:to="lab_ecd_TrdArrAdoptionDate" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_DeferredPurchasePriceLiabilitiesMember_019e2838-53e6-7c8f-be01-ea46a8c6c55b_terseLabel_en-US" xlink:label="lab_foa_DeferredPurchasePriceLiabilitiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred purchase price liabilities</link:label>
    <link:label id="lab_foa_DeferredPurchasePriceLiabilitiesMember_label_en-US" xlink:label="lab_foa_DeferredPurchasePriceLiabilitiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Purchase Price Liabilities [Member]</link:label>
    <link:label id="lab_foa_DeferredPurchasePriceLiabilitiesMember_documentation_en-US" xlink:label="lab_foa_DeferredPurchasePriceLiabilitiesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"></link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_DeferredPurchasePriceLiabilitiesMember" xlink:href="foa-20260630.xsd#foa_DeferredPurchasePriceLiabilitiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_DeferredPurchasePriceLiabilitiesMember" xlink:to="lab_foa_DeferredPurchasePriceLiabilitiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtInstrumentInterestRateStatedPercentage_019e2838-55e6-7a48-9baf-0d3f3ecdd95d_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentInterestRateStatedPercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest Rate</link:label>
    <link:label id="lab_us-gaap_DebtInstrumentInterestRateStatedPercentage_label_en-US" xlink:label="lab_us-gaap_DebtInstrumentInterestRateStatedPercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument, Interest Rate, Stated Percentage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentInterestRateStatedPercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage" xlink:to="lab_us-gaap_DebtInstrumentInterestRateStatedPercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_RepurchaseAgreementCounterpartyNameDomain_019e2838-5555-755f-abac-fa41001cc0e1_terseLabel_en-US" xlink:label="lab_srt_RepurchaseAgreementCounterpartyNameDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Counterparty Name [Domain]</link:label>
    <link:label id="lab_srt_RepurchaseAgreementCounterpartyNameDomain_label_en-US" xlink:label="lab_srt_RepurchaseAgreementCounterpartyNameDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Counterparty Name [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RepurchaseAgreementCounterpartyNameDomain" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_RepurchaseAgreementCounterpartyNameDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_RepurchaseAgreementCounterpartyNameDomain" xlink:to="lab_srt_RepurchaseAgreementCounterpartyNameDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityListingsExchangeAxis_019e2838-5556-78b5-82a5-472e96129741_terseLabel_en-US" xlink:label="lab_dei_EntityListingsExchangeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Listings, Exchange [Axis]</link:label>
    <link:label id="lab_dei_EntityListingsExchangeAxis_label_en-US" xlink:label="lab_dei_EntityListingsExchangeAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Listings, Exchange [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityListingsExchangeAxis" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityListingsExchangeAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityListingsExchangeAxis" xlink:to="lab_dei_EntityListingsExchangeAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationStockOptionsRequisiteServicePeriodRecognition_019e2838-5555-75e0-ad31-22f8ddbc1cd7_terseLabel_en-US" xlink:label="lab_us-gaap_AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationStockOptionsRequisiteServicePeriodRecognition" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity-based compensation, net</link:label>
    <link:label id="lab_us-gaap_AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationStockOptionsRequisiteServicePeriodRecognition_label_en-US" xlink:label="lab_us-gaap_AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationStockOptionsRequisiteServicePeriodRecognition" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">APIC, Share-Based Payment Arrangement, Option, Increase for Cost Recognition</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationStockOptionsRequisiteServicePeriodRecognition" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationStockOptionsRequisiteServicePeriodRecognition"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationStockOptionsRequisiteServicePeriodRecognition" xlink:to="lab_us-gaap_AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationStockOptionsRequisiteServicePeriodRecognition" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AssetsAbstract_019e2838-53e6-765e-afa7-a18578e6337b_terseLabel_en-US" xlink:label="lab_us-gaap_AssetsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">ASSETS</link:label>
    <link:label id="lab_us-gaap_AssetsAbstract_019e2838-53e6-7f0e-9ccb-db7eb4fa749d_verboseLabel_en-US" xlink:label="lab_us-gaap_AssetsAbstract" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Assets</link:label>
    <link:label id="lab_us-gaap_AssetsAbstract_label_en-US" xlink:label="lab_us-gaap_AssetsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Assets [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AssetsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AssetsAbstract" xlink:to="lab_us-gaap_AssetsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_TrdArrIndTitle_terseLabel_en-US" xlink:label="lab_ecd_TrdArrIndTitle" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Title</link:label>
    <link:label id="lab_ecd_TrdArrIndTitle_label_en-US" xlink:label="lab_ecd_TrdArrIndTitle" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trading Arrangement, Individual Title</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrIndTitle" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_TrdArrIndTitle"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_TrdArrIndTitle" xlink:to="lab_ecd_TrdArrIndTitle" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt_terseLabel_en-US" xlink:label="lab_ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Forgone Recovery due to Disqualification of Tax Benefits, Amount</link:label>
    <link:label id="lab_ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt_label_en-US" xlink:label="lab_ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Forgone Recovery due to Disqualification of Tax Benefits, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt" xlink:to="lab_ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AccountingPoliciesAbstract_label_en-US" xlink:label="lab_us-gaap_AccountingPoliciesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accounting Policies [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountingPoliciesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccountingPoliciesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AccountingPoliciesAbstract" xlink:to="lab_us-gaap_AccountingPoliciesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_RestatementDoesNotRequireRecoveryTextBlock_terseLabel_en-US" xlink:label="lab_ecd_RestatementDoesNotRequireRecoveryTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Restatement does not require Recovery</link:label>
    <link:label id="lab_ecd_RestatementDoesNotRequireRecoveryTextBlock_label_en-US" xlink:label="lab_ecd_RestatementDoesNotRequireRecoveryTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Restatement Does Not Require Recovery [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_RestatementDoesNotRequireRecoveryTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_RestatementDoesNotRequireRecoveryTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_RestatementDoesNotRequireRecoveryTextBlock" xlink:to="lab_ecd_RestatementDoesNotRequireRecoveryTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_InsiderTradingPoliciesProcLineItems_label_en-US" xlink:label="lab_ecd_InsiderTradingPoliciesProcLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Insider Trading Policies and Procedures [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_InsiderTradingPoliciesProcLineItems" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_InsiderTradingPoliciesProcLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_InsiderTradingPoliciesProcLineItems" xlink:to="lab_ecd_InsiderTradingPoliciesProcLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestIncomeOperating_019e2838-54b4-71c7-a8ab-ab5dfb8f1e9e_terseLabel_en-US" xlink:label="lab_us-gaap_InterestIncomeOperating" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest income</link:label>
    <link:label id="lab_us-gaap_InterestIncomeOperating_019e2838-54b4-7c02-b2ee-ec9ceb3c3b43_verboseLabel_en-US" xlink:label="lab_us-gaap_InterestIncomeOperating" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Interest income</link:label>
    <link:label id="lab_us-gaap_InterestIncomeOperating_label_en-US" xlink:label="lab_us-gaap_InterestIncomeOperating" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Income, Operating</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeOperating" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestIncomeOperating"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestIncomeOperating" xlink:to="lab_us-gaap_InterestIncomeOperating" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ProceedsFromPaymentsForOtherFinancingActivities_019e2838-5555-76f2-85ef-9d0cff80267b_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromPaymentsForOtherFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other financing activities, net</link:label>
    <link:label id="lab_us-gaap_ProceedsFromPaymentsForOtherFinancingActivities_label_en-US" xlink:label="lab_us-gaap_ProceedsFromPaymentsForOtherFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds from (Payment for) Other Financing Activity</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromPaymentsForOtherFinancingActivities" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromPaymentsForOtherFinancingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProceedsFromPaymentsForOtherFinancingActivities" xlink:to="lab_us-gaap_ProceedsFromPaymentsForOtherFinancingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_InsiderTrdPoliciesProcAdoptedFlag_terseLabel_en-US" xlink:label="lab_ecd_InsiderTrdPoliciesProcAdoptedFlag" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Insider Trading Policies and Procedures Adopted</link:label>
    <link:label id="lab_ecd_InsiderTrdPoliciesProcAdoptedFlag_label_en-US" xlink:label="lab_ecd_InsiderTrdPoliciesProcAdoptedFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Insider Trading Policies and Procedures Adopted [Flag]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_InsiderTrdPoliciesProcAdoptedFlag" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_InsiderTrdPoliciesProcAdoptedFlag"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_InsiderTrdPoliciesProcAdoptedFlag" xlink:to="lab_ecd_InsiderTrdPoliciesProcAdoptedFlag" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_ReverseMortgageLoansHECMLoansNotSecuritizedMember_019e2838-55e6-7c27-a5d0-f05dd0b4c9cb_terseLabel_en-US" xlink:label="lab_foa_ReverseMortgageLoansHECMLoansNotSecuritizedMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">HECM loans not securitized</link:label>
    <link:label id="lab_foa_ReverseMortgageLoansHECMLoansNotSecuritizedMember_label_en-US" xlink:label="lab_foa_ReverseMortgageLoansHECMLoansNotSecuritizedMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reverse Mortgage Loans, HECM Loans Not Securitized [Member]</link:label>
    <link:label id="lab_foa_ReverseMortgageLoansHECMLoansNotSecuritizedMember_documentation_en-US" xlink:label="lab_foa_ReverseMortgageLoansHECMLoansNotSecuritizedMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Reverse Mortgage Loans, HECM Loans Not Securitized</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_ReverseMortgageLoansHECMLoansNotSecuritizedMember" xlink:href="foa-20260630.xsd#foa_ReverseMortgageLoansHECMLoansNotSecuritizedMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_ReverseMortgageLoansHECMLoansNotSecuritizedMember" xlink:to="lab_foa_ReverseMortgageLoansHECMLoansNotSecuritizedMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfLineOfCreditFacilitiesTextBlock_019e2838-53e6-7491-a540-228480a4c448_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfLineOfCreditFacilitiesTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Components of Other Financing Lines of Credit</link:label>
    <link:label id="lab_us-gaap_ScheduleOfLineOfCreditFacilitiesTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfLineOfCreditFacilitiesTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Line of Credit Facilities [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfLineOfCreditFacilitiesTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfLineOfCreditFacilitiesTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfLineOfCreditFacilitiesTextBlock" xlink:to="lab_us-gaap_ScheduleOfLineOfCreditFacilitiesTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_LoansTransferredToLoansHeldForSaleAtFairValueFromLoansHeldForInvestmentAtFairValue_019e2838-54b4-7571-8e2d-ae202a2e622f_terseLabel_en-US" xlink:label="lab_foa_LoansTransferredToLoansHeldForSaleAtFairValueFromLoansHeldForInvestmentAtFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans transferred to loans held for sale, at fair value, from loans held for investment, at fair value</link:label>
    <link:label id="lab_foa_LoansTransferredToLoansHeldForSaleAtFairValueFromLoansHeldForInvestmentAtFairValue_label_en-US" xlink:label="lab_foa_LoansTransferredToLoansHeldForSaleAtFairValueFromLoansHeldForInvestmentAtFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans Transferred to Loans Held For Sale, At Fair Value, From Loans Held For Investment, At Fair Value</link:label>
    <link:label id="lab_foa_LoansTransferredToLoansHeldForSaleAtFairValueFromLoansHeldForInvestmentAtFairValue_documentation_en-US" xlink:label="lab_foa_LoansTransferredToLoansHeldForSaleAtFairValueFromLoansHeldForInvestmentAtFairValue" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans Transferred to Loans Held For Sale, At Fair Value, From Loans Held For Investment, At Fair Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_LoansTransferredToLoansHeldForSaleAtFairValueFromLoansHeldForInvestmentAtFairValue" xlink:href="foa-20260630.xsd#foa_LoansTransferredToLoansHeldForSaleAtFairValueFromLoansHeldForInvestmentAtFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_LoansTransferredToLoansHeldForSaleAtFairValueFromLoansHeldForInvestmentAtFairValue" xlink:to="lab_foa_LoansTransferredToLoansHeldForSaleAtFairValueFromLoansHeldForInvestmentAtFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_ReverseLineOfCreditMember_019e2838-5555-76b2-b9cb-1e2814e62be2_terseLabel_en-US" xlink:label="lab_foa_ReverseLineOfCreditMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reverse lines</link:label>
    <link:label id="lab_foa_ReverseLineOfCreditMember_label_en-US" xlink:label="lab_foa_ReverseLineOfCreditMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reverse Line Of Credit [Member]</link:label>
    <link:label id="lab_foa_ReverseLineOfCreditMember_documentation_en-US" xlink:label="lab_foa_ReverseLineOfCreditMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Reverse Line Of Credit.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_ReverseLineOfCreditMember" xlink:href="foa-20260630.xsd#foa_ReverseLineOfCreditMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_ReverseLineOfCreditMember" xlink:to="lab_foa_ReverseLineOfCreditMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RepaymentsOfDebt_019e2838-54b4-7678-b878-0376a27d145a_terseLabel_en-US" xlink:label="lab_us-gaap_RepaymentsOfDebt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Repayments of debt</link:label>
    <link:label id="lab_us-gaap_RepaymentsOfDebt_label_en-US" xlink:label="lab_us-gaap_RepaymentsOfDebt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Repayments of Debt</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepaymentsOfDebt" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RepaymentsOfDebt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RepaymentsOfDebt" xlink:to="lab_us-gaap_RepaymentsOfDebt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestIncomeExpenseNonoperatingNet_019e2838-5555-7d23-ac5c-79b83e7f63d4_terseLabel_en-US" xlink:label="lab_us-gaap_InterestIncomeExpenseNonoperatingNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-funding interest expense, net</link:label>
    <link:label id="lab_us-gaap_InterestIncomeExpenseNonoperatingNet_label_en-US" xlink:label="lab_us-gaap_InterestIncomeExpenseNonoperatingNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Income (Expense), Nonoperating</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseNonoperatingNet" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestIncomeExpenseNonoperatingNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestIncomeExpenseNonoperatingNet" xlink:to="lab_us-gaap_InterestIncomeExpenseNonoperatingNet" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock_019e2838-5555-77f2-a31a-d1dd387685d0_terseLabel_en-US" xlink:label="lab_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Commitments and Contingencies</link:label>
    <link:label id="lab_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock_label_en-US" xlink:label="lab_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Commitments and Contingencies Disclosure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommitmentsAndContingenciesDisclosureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock" xlink:to="lab_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_CompActuallyPaidVsNetIncomeTextBlock_terseLabel_en-US" xlink:label="lab_ecd_CompActuallyPaidVsNetIncomeTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Compensation Actually Paid vs. Net Income</link:label>
    <link:label id="lab_ecd_CompActuallyPaidVsNetIncomeTextBlock_label_en-US" xlink:label="lab_ecd_CompActuallyPaidVsNetIncomeTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Compensation Actually Paid vs. Net Income [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CompActuallyPaidVsNetIncomeTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_CompActuallyPaidVsNetIncomeTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_CompActuallyPaidVsNetIncomeTextBlock" xlink:to="lab_ecd_CompActuallyPaidVsNetIncomeTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_019e2838-53e6-7d5d-bb51-04ca509b39fc_terseLabel_en-US" xlink:label="lab_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Weighted-average anti-dilutive securities excluded from the computation of diluted earnings per share (in shares)</link:label>
    <link:label id="lab_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_label_en-US" xlink:label="lab_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount" xlink:to="lab_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivablesPeriodPastDueDomain_019e2838-5555-731e-9961-f4d376463d6f_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivablesPeriodPastDueDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial Asset, Period Past Due [Domain]</link:label>
    <link:label id="lab_us-gaap_FinancingReceivablesPeriodPastDueDomain_label_en-US" xlink:label="lab_us-gaap_FinancingReceivablesPeriodPastDueDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Asset, Aging [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablesPeriodPastDueDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain" xlink:to="lab_us-gaap_FinancingReceivablesPeriodPastDueDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RestrictedStockUnitsRSUMember_019e2838-5555-7e99-a58f-d402e546a018_terseLabel_en-US" xlink:label="lab_us-gaap_RestrictedStockUnitsRSUMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Restricted Stock Units (RSUs)</link:label>
    <link:label id="lab_us-gaap_RestrictedStockUnitsRSUMember_label_en-US" xlink:label="lab_us-gaap_RestrictedStockUnitsRSUMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Restricted Stock Units (RSUs) [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedStockUnitsRSUMember" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RestrictedStockUnitsRSUMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RestrictedStockUnitsRSUMember" xlink:to="lab_us-gaap_RestrictedStockUnitsRSUMember" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityCentralIndexKey_019e2838-5555-7d3e-9ddf-ba1d3679ecb0_terseLabel_en-US" xlink:label="lab_dei_EntityCentralIndexKey" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Central Index Key</link:label>
    <link:label id="lab_dei_EntityCentralIndexKey_label_en-US" xlink:label="lab_dei_EntityCentralIndexKey" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Central Index Key</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCentralIndexKey" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityCentralIndexKey"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityCentralIndexKey" xlink:to="lab_dei_EntityCentralIndexKey" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_WeightedAverageMember_019e2838-54b4-79fc-8321-71a961dde7c7_terseLabel_en-US" xlink:label="lab_srt_WeightedAverageMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Weighted Average</link:label>
    <link:label id="lab_srt_WeightedAverageMember_label_en-US" xlink:label="lab_srt_WeightedAverageMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Weighted Average [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_WeightedAverageMember" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_WeightedAverageMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_WeightedAverageMember" xlink:to="lab_srt_WeightedAverageMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AdjustableRateResidentialMortgageMember_019e2838-53e6-78a4-90e6-de093a6cb1cc_terseLabel_en-US" xlink:label="lab_us-gaap_AdjustableRateResidentialMortgageMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Adjustable rate loans</link:label>
    <link:label id="lab_us-gaap_AdjustableRateResidentialMortgageMember_label_en-US" xlink:label="lab_us-gaap_AdjustableRateResidentialMortgageMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Adjustable Rate Residential Mortgage [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustableRateResidentialMortgageMember" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AdjustableRateResidentialMortgageMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AdjustableRateResidentialMortgageMember" xlink:to="lab_us-gaap_AdjustableRateResidentialMortgageMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AllAdjToCompMember_terseLabel_en-US" xlink:label="lab_ecd_AllAdjToCompMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">All Adjustments to Compensation</link:label>
    <link:label id="lab_ecd_AllAdjToCompMember_label_en-US" xlink:label="lab_ecd_AllAdjToCompMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">All Adjustments to Compensation [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllAdjToCompMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AllAdjToCompMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AllAdjToCompMember" xlink:to="lab_ecd_AllAdjToCompMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CorporateNonSegmentMember_019e2838-53e6-701b-a551-dad02542dbf9_terseLabel_en-US" xlink:label="lab_us-gaap_CorporateNonSegmentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Corporate and Other</link:label>
    <link:label id="lab_us-gaap_CorporateNonSegmentMember_label_en-US" xlink:label="lab_us-gaap_CorporateNonSegmentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Segment Reporting, Reconciling Item, Corporate Nonsegment [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateNonSegmentMember" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CorporateNonSegmentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CorporateNonSegmentMember" xlink:to="lab_us-gaap_CorporateNonSegmentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember_terseLabel_en-US" xlink:label="lab_ecd_DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Dividends or Other Earnings Paid on Equity Awards not Otherwise Reflected in Total Compensation for Covered Year</link:label>
    <link:label id="lab_ecd_DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember_label_en-US" xlink:label="lab_ecd_DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Dividends or Other Earnings Paid on Equity Awards not Otherwise Reflected in Total Compensation for Covered Year [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember" xlink:to="lab_ecd_DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_LoansHeldForSaleMember_019e2838-54b4-707f-870d-f9391ba3d75e_terseLabel_en-US" xlink:label="lab_foa_LoansHeldForSaleMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans held for sale</link:label>
    <link:label id="lab_foa_LoansHeldForSaleMember_label_en-US" xlink:label="lab_foa_LoansHeldForSaleMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans Held-For-Sale [Member]</link:label>
    <link:label id="lab_foa_LoansHeldForSaleMember_documentation_en-US" xlink:label="lab_foa_LoansHeldForSaleMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans Held-For-Sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_LoansHeldForSaleMember" xlink:href="foa-20260630.xsd#foa_LoansHeldForSaleMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_LoansHeldForSaleMember" xlink:to="lab_foa_LoansHeldForSaleMember" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_AssetAcquisitionAssetsAcquiredAndLiabilitiesAssumedNet_019fa0a6-6534-7971-ac0c-d0d7b1289590_totalLabel_en-US" xlink:label="lab_foa_AssetAcquisitionAssetsAcquiredAndLiabilitiesAssumedNet" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net identifiable assets acquired</link:label>
    <link:label id="lab_foa_AssetAcquisitionAssetsAcquiredAndLiabilitiesAssumedNet_label_en-US" xlink:label="lab_foa_AssetAcquisitionAssetsAcquiredAndLiabilitiesAssumedNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Asset Acquisition, Assets Acquired and Liabilities Assumed, Net</link:label>
    <link:label id="lab_foa_AssetAcquisitionAssetsAcquiredAndLiabilitiesAssumedNet_documentation_en-US" xlink:label="lab_foa_AssetAcquisitionAssetsAcquiredAndLiabilitiesAssumedNet" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Asset Acquisition, Assets Acquired and Liabilities Assumed, Net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_AssetAcquisitionAssetsAcquiredAndLiabilitiesAssumedNet" xlink:href="foa-20260630.xsd#foa_AssetAcquisitionAssetsAcquiredAndLiabilitiesAssumedNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_AssetAcquisitionAssetsAcquiredAndLiabilitiesAssumedNet" xlink:to="lab_foa_AssetAcquisitionAssetsAcquiredAndLiabilitiesAssumedNet" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e2838-5556-76d1-8d9a-7cb8d89ca47c_totalLabel_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net cash used in operating activities</link:label>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInOperatingActivities_label_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash Provided by (Used in) Operating Activity, Including Discontinued Operation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:to="lab_us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_VariousMaturitiesMortgageRelatedAssetsMember_019e2838-54b4-7f6b-9d11-29240bcf2a86_terseLabel_en-US" xlink:label="lab_foa_VariousMaturitiesMortgageRelatedAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Various Maturities, Mortgage Related Assets</link:label>
    <link:label id="lab_foa_VariousMaturitiesMortgageRelatedAssetsMember_label_en-US" xlink:label="lab_foa_VariousMaturitiesMortgageRelatedAssetsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Various Maturities, Mortgage Related Assets [Member]</link:label>
    <link:label id="lab_foa_VariousMaturitiesMortgageRelatedAssetsMember_documentation_en-US" xlink:label="lab_foa_VariousMaturitiesMortgageRelatedAssetsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Various Maturities, Mortgage Related Assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_VariousMaturitiesMortgageRelatedAssetsMember" xlink:href="foa-20260630.xsd#foa_VariousMaturitiesMortgageRelatedAssetsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_VariousMaturitiesMortgageRelatedAssetsMember" xlink:to="lab_foa_VariousMaturitiesMortgageRelatedAssetsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalRemainderOfFiscalYear_019e2838-5556-77e0-b9d7-cad9621e0ea0_terseLabel_en-US" xlink:label="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalRemainderOfFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Remainder of 2026</link:label>
    <link:label id="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalRemainderOfFiscalYear_label_en-US" xlink:label="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalRemainderOfFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Long-Term Debt, Maturity, Remainder of Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalRemainderOfFiscalYear" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalRemainderOfFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalRemainderOfFiscalYear" xlink:to="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalRemainderOfFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LoanPortfolioExpense_019e2838-54b4-78c3-90b4-e0f7d841b17c_verboseLabel_en-US" xlink:label="lab_us-gaap_LoanPortfolioExpense" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Loan production and portfolio related expenses</link:label>
    <link:label id="lab_us-gaap_LoanPortfolioExpense_019e2838-54b4-70b7-830a-e5605654223e_terseLabel_en-US" xlink:label="lab_us-gaap_LoanPortfolioExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loan production and portfolio related expenses</link:label>
    <link:label id="lab_us-gaap_LoanPortfolioExpense_label_en-US" xlink:label="lab_us-gaap_LoanPortfolioExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loan Portfolio Expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoanPortfolioExpense" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LoanPortfolioExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LoanPortfolioExpense" xlink:to="lab_us-gaap_LoanPortfolioExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeStatementAbstract_label_en-US" xlink:label="lab_us-gaap_IncomeStatementAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income Statement [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeStatementAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeStatementAbstract" xlink:to="lab_us-gaap_IncomeStatementAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StockholdersEquityAbstract_019e2838-55e6-7277-8104-010323cbd8b0_terseLabel_en-US" xlink:label="lab_us-gaap_StockholdersEquityAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">EQUITY</link:label>
    <link:label id="lab_us-gaap_StockholdersEquityAbstract_label_en-US" xlink:label="lab_us-gaap_StockholdersEquityAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity, Attributable to Parent [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockholdersEquityAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StockholdersEquityAbstract" xlink:to="lab_us-gaap_StockholdersEquityAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentTransitionReport_019e2838-53e6-7cb8-a780-1de9215f8ce9_terseLabel_en-US" xlink:label="lab_dei_DocumentTransitionReport" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Document Transition Report</link:label>
    <link:label id="lab_dei_DocumentTransitionReport_label_en-US" xlink:label="lab_dei_DocumentTransitionReport" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Transition Report</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentTransitionReport" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_DocumentTransitionReport"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentTransitionReport" xlink:to="lab_dei_DocumentTransitionReport" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueOptionQuantitativeDisclosuresLineItems_019e2838-55e6-7fb1-9fbe-03ad14c0ec75_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueOptionQuantitativeDisclosuresLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value, Option, Quantitative Disclosures [Line Items]</link:label>
    <link:label id="lab_us-gaap_FairValueOptionQuantitativeDisclosuresLineItems_label_en-US" xlink:label="lab_us-gaap_FairValueOptionQuantitativeDisclosuresLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Option, Quantitative Disclosures [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOptionQuantitativeDisclosuresLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueOptionQuantitativeDisclosuresLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueOptionQuantitativeDisclosuresLineItems" xlink:to="lab_us-gaap_FairValueOptionQuantitativeDisclosuresLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueByFairValueHierarchyLevelAxis_019e2838-5555-7666-b4ed-9ae94a709ab4_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value Hierarchy and NAV [Axis]</link:label>
    <link:label id="lab_us-gaap_FairValueByFairValueHierarchyLevelAxis_label_en-US" xlink:label="lab_us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Hierarchy and NAV [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:to="lab_us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DeferredIncomeTaxAssetsNet_019f93d0-0c4a-7d53-be81-39520f8e078e_terseLabel_en-US" xlink:label="lab_us-gaap_DeferredIncomeTaxAssetsNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred tax asset, net (Note 12 - Income Taxes)</link:label>
    <link:label id="lab_us-gaap_DeferredIncomeTaxAssetsNet_label_en-US" xlink:label="lab_us-gaap_DeferredIncomeTaxAssetsNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Income Tax Assets, Net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxAssetsNet" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DeferredIncomeTaxAssetsNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredIncomeTaxAssetsNet" xlink:to="lab_us-gaap_DeferredIncomeTaxAssetsNet" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StockAppreciationRightsSARSMember_terseLabel_en-US" xlink:label="lab_us-gaap_StockAppreciationRightsSARSMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Stock Appreciation Rights (SARs)</link:label>
    <link:label id="lab_us-gaap_StockAppreciationRightsSARSMember_label_en-US" xlink:label="lab_us-gaap_StockAppreciationRightsSARSMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Stock Appreciation Rights (SARs) [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockAppreciationRightsSARSMember" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockAppreciationRightsSARSMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StockAppreciationRightsSARSMember" xlink:to="lab_us-gaap_StockAppreciationRightsSARSMember" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_CityAreaCode_019e2838-55e6-7f07-aa79-ef1d52bceaab_terseLabel_en-US" xlink:label="lab_dei_CityAreaCode" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">City Area Code</link:label>
    <link:label id="lab_dei_CityAreaCode_label_en-US" xlink:label="lab_dei_CityAreaCode" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">City Area Code</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CityAreaCode" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_CityAreaCode"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_CityAreaCode" xlink:to="lab_dei_CityAreaCode" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_DebtInstrumentCovenantDescriptionTable_019e2838-53e6-769e-9424-3db35d160c22_terseLabel_en-US" xlink:label="lab_foa_DebtInstrumentCovenantDescriptionTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt Instrument Covenant Description [Table]</link:label>
    <link:label id="lab_foa_DebtInstrumentCovenantDescriptionTable_label_en-US" xlink:label="lab_foa_DebtInstrumentCovenantDescriptionTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument Covenant Description [Table]</link:label>
    <link:label id="lab_foa_DebtInstrumentCovenantDescriptionTable_documentation_en-US" xlink:label="lab_foa_DebtInstrumentCovenantDescriptionTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Debt Instrument Covenant Description [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_DebtInstrumentCovenantDescriptionTable" xlink:href="foa-20260630.xsd#foa_DebtInstrumentCovenantDescriptionTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_DebtInstrumentCovenantDescriptionTable" xlink:to="lab_foa_DebtInstrumentCovenantDescriptionTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AccumulatedOtherComprehensiveIncomeMember_019e2838-5556-7fc2-961e-20661b5dea4e_terseLabel_en-US" xlink:label="lab_us-gaap_AccumulatedOtherComprehensiveIncomeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accumulated Other Comprehensive Loss</link:label>
    <link:label id="lab_us-gaap_AccumulatedOtherComprehensiveIncomeMember_label_en-US" xlink:label="lab_us-gaap_AccumulatedOtherComprehensiveIncomeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">AOCI Attributable to Parent [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember" xlink:to="lab_us-gaap_AccumulatedOtherComprehensiveIncomeMember" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentInformationTable_019e2838-54b4-7d81-a247-5a9c9e0797a6_terseLabel_en-US" xlink:label="lab_dei_DocumentInformationTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Document Information [Table]</link:label>
    <link:label id="lab_dei_DocumentInformationTable_label_en-US" xlink:label="lab_dei_DocumentInformationTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Information [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentInformationTable" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_DocumentInformationTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentInformationTable" xlink:to="lab_dei_DocumentInformationTable" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AllIndividualsMember_terseLabel_en-US" xlink:label="lab_ecd_AllIndividualsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">All Individuals</link:label>
    <link:label id="lab_ecd_AllIndividualsMember_label_en-US" xlink:label="lab_ecd_AllIndividualsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">All Individuals [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllIndividualsMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AllIndividualsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AllIndividualsMember" xlink:to="lab_ecd_AllIndividualsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SubsequentEventsTextBlock_019e2838-54b4-7a56-b9f5-0df998100d6c_terseLabel_en-US" xlink:label="lab_us-gaap_SubsequentEventsTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subsequent Events</link:label>
    <link:label id="lab_us-gaap_SubsequentEventsTextBlock_label_en-US" xlink:label="lab_us-gaap_SubsequentEventsTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subsequent Events [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventsTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SubsequentEventsTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SubsequentEventsTextBlock" xlink:to="lab_us-gaap_SubsequentEventsTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_LoansFairValueGainLossFromMarketInputsOrModelAssumptions_019e2838-54b4-7539-abfc-ee4b452f1d3c_terseLabel_en-US" xlink:label="lab_foa_LoansFairValueGainLossFromMarketInputsOrModelAssumptions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair value changes from market inputs or model assumptions</link:label>
    <link:label id="lab_foa_LoansFairValueGainLossFromMarketInputsOrModelAssumptions_019e2838-54b4-7211-89d7-0ea0bffa96d6_verboseLabel_en-US" xlink:label="lab_foa_LoansFairValueGainLossFromMarketInputsOrModelAssumptions" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Fair value changes from market inputs or model assumptions</link:label>
    <link:label id="lab_foa_LoansFairValueGainLossFromMarketInputsOrModelAssumptions_label_en-US" xlink:label="lab_foa_LoansFairValueGainLossFromMarketInputsOrModelAssumptions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans, Fair Value Gain (Loss) From Market Inputs or Model Assumptions</link:label>
    <link:label id="lab_foa_LoansFairValueGainLossFromMarketInputsOrModelAssumptions_documentation_en-US" xlink:label="lab_foa_LoansFairValueGainLossFromMarketInputsOrModelAssumptions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans, Fair Value Gain (Loss) From Market Inputs or Model Assumptions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_LoansFairValueGainLossFromMarketInputsOrModelAssumptions" xlink:href="foa-20260630.xsd#foa_LoansFairValueGainLossFromMarketInputsOrModelAssumptions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_LoansFairValueGainLossFromMarketInputsOrModelAssumptions" xlink:to="lab_foa_LoansFairValueGainLossFromMarketInputsOrModelAssumptions" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtInstrumentFairValue_019e2838-54b4-7a52-bc98-fce5c46103b7_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Nonrecourse debt</link:label>
    <link:label id="lab_us-gaap_DebtInstrumentFairValue_label_en-US" xlink:label="lab_us-gaap_DebtInstrumentFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument, Fair Value Disclosure</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentFairValue" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtInstrumentFairValue" xlink:to="lab_us-gaap_DebtInstrumentFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_ForgoneRecoveryIndName_terseLabel_en-US" xlink:label="lab_ecd_ForgoneRecoveryIndName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Name</link:label>
    <link:label id="lab_ecd_ForgoneRecoveryIndName_label_en-US" xlink:label="lab_ecd_ForgoneRecoveryIndName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Forgone Recovery, Individual Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryIndName" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_ForgoneRecoveryIndName"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_ForgoneRecoveryIndName" xlink:to="lab_ecd_ForgoneRecoveryIndName" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_019e2838-53e6-7f83-8181-2e99ef66199b_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]</link:label>
    <link:label id="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_label_en-US" xlink:label="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward" xlink:to="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_FinanceOfAmericaReverseLLCFARMember_019e2838-53e6-7046-a3ab-88a09c3545d1_terseLabel_en-US" xlink:label="lab_foa_FinanceOfAmericaReverseLLCFARMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">FAR</link:label>
    <link:label id="lab_foa_FinanceOfAmericaReverseLLCFARMember_label_en-US" xlink:label="lab_foa_FinanceOfAmericaReverseLLCFARMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Finance of America Reverse LLC ("FAR") [Member]</link:label>
    <link:label id="lab_foa_FinanceOfAmericaReverseLLCFARMember_documentation_en-US" xlink:label="lab_foa_FinanceOfAmericaReverseLLCFARMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Finance of America Reverse LLC ("FAR")</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_FinanceOfAmericaReverseLLCFARMember" xlink:href="foa-20260630.xsd#foa_FinanceOfAmericaReverseLLCFARMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_FinanceOfAmericaReverseLLCFARMember" xlink:to="lab_foa_FinanceOfAmericaReverseLLCFARMember" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_NoninterestIncomeAndExpenseAbstract_019e2838-53e6-7e26-9bfd-1204405c1b74_terseLabel_en-US" xlink:label="lab_foa_NoninterestIncomeAndExpenseAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">OTHER INCOME (EXPENSE)</link:label>
    <link:label id="lab_foa_NoninterestIncomeAndExpenseAbstract_019e2838-53e6-79ee-9200-5cae45faa77f_verboseLabel_en-US" xlink:label="lab_foa_NoninterestIncomeAndExpenseAbstract" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Other income (expense)</link:label>
    <link:label id="lab_foa_NoninterestIncomeAndExpenseAbstract_label_en-US" xlink:label="lab_foa_NoninterestIncomeAndExpenseAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Noninterest Income and Expense [Abstract]</link:label>
    <link:label id="lab_foa_NoninterestIncomeAndExpenseAbstract_documentation_en-US" xlink:label="lab_foa_NoninterestIncomeAndExpenseAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Noninterest Income and Expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_NoninterestIncomeAndExpenseAbstract" xlink:href="foa-20260630.xsd#foa_NoninterestIncomeAndExpenseAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_NoninterestIncomeAndExpenseAbstract" xlink:to="lab_foa_NoninterestIncomeAndExpenseAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_ConversionOfLimitedLiabilityCompanyUnitsForCommonStockValue_019e2838-5555-76aa-a489-5a0d39b72ae2_terseLabel_en-US" xlink:label="lab_foa_ConversionOfLimitedLiabilityCompanyUnitsForCommonStockValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Conversion of Class A LLC Units for Class A Common Stock pursuant to the Exchange Agreement</link:label>
    <link:label id="lab_foa_ConversionOfLimitedLiabilityCompanyUnitsForCommonStockValue_label_en-US" xlink:label="lab_foa_ConversionOfLimitedLiabilityCompanyUnitsForCommonStockValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Conversion Of Limited Liability Company Units For Common Stock, Value</link:label>
    <link:label id="lab_foa_ConversionOfLimitedLiabilityCompanyUnitsForCommonStockValue_documentation_en-US" xlink:label="lab_foa_ConversionOfLimitedLiabilityCompanyUnitsForCommonStockValue" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Conversion of limited liability company units for common stock value.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_ConversionOfLimitedLiabilityCompanyUnitsForCommonStockValue" xlink:href="foa-20260630.xsd#foa_ConversionOfLimitedLiabilityCompanyUnitsForCommonStockValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_ConversionOfLimitedLiabilityCompanyUnitsForCommonStockValue" xlink:to="lab_foa_ConversionOfLimitedLiabilityCompanyUnitsForCommonStockValue" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_NonGaapMeasureDescriptionTextBlock_terseLabel_en-US" xlink:label="lab_ecd_NonGaapMeasureDescriptionTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-GAAP Measure Description</link:label>
    <link:label id="lab_ecd_NonGaapMeasureDescriptionTextBlock_label_en-US" xlink:label="lab_ecd_NonGaapMeasureDescriptionTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-GAAP Measure Description [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonGaapMeasureDescriptionTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_NonGaapMeasureDescriptionTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_NonGaapMeasureDescriptionTextBlock" xlink:to="lab_ecd_NonGaapMeasureDescriptionTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LongTermDebtMeasurementInput_019e2838-5555-7223-8911-46b39a8278fe_terseLabel_en-US" xlink:label="lab_us-gaap_LongTermDebtMeasurementInput" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Long-term debt, measurement input</link:label>
    <link:label id="lab_us-gaap_LongTermDebtMeasurementInput_label_en-US" xlink:label="lab_us-gaap_LongTermDebtMeasurementInput" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Long-Term Debt, Measurement Input</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMeasurementInput" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongTermDebtMeasurementInput"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LongTermDebtMeasurementInput" xlink:to="lab_us-gaap_LongTermDebtMeasurementInput" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RecourseStatusDomain_019e2838-5555-78e6-b3ef-f0de06de0316_terseLabel_en-US" xlink:label="lab_us-gaap_RecourseStatusDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Recourse Status [Domain]</link:label>
    <link:label id="lab_us-gaap_RecourseStatusDomain_label_en-US" xlink:label="lab_us-gaap_RecourseStatusDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Recourse Status [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RecourseStatusDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RecourseStatusDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RecourseStatusDomain" xlink:to="lab_us-gaap_RecourseStatusDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StatementLineItems_019e2838-54b4-76c4-8a52-01f01f4d0364_terseLabel_en-US" xlink:label="lab_us-gaap_StatementLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Statement [Line Items]</link:label>
    <link:label id="lab_us-gaap_StatementLineItems_label_en-US" xlink:label="lab_us-gaap_StatementLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statement [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StatementLineItems" xlink:to="lab_us-gaap_StatementLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_Assets_019e2838-53e6-7a9f-bbb7-c56ef9b8ce01_totalLabel_en-US" xlink:label="lab_us-gaap_Assets" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">TOTAL ASSETS</link:label>
    <link:label id="lab_us-gaap_Assets_019e2838-53e6-73cb-a37b-8fb7389ec1ac_terseLabel_en-US" xlink:label="lab_us-gaap_Assets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Assets</link:label>
    <link:label id="lab_us-gaap_Assets_019e2838-53e6-7b21-9b3f-6f68921f9c61_verboseLabel_en-US" xlink:label="lab_us-gaap_Assets" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Total assets</link:label>
    <link:label id="lab_us-gaap_Assets_label_en-US" xlink:label="lab_us-gaap_Assets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Assets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_Assets" xlink:to="lab_us-gaap_Assets" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityDomain_019e2838-54b4-7b53-ab22-d91cd793c75a_terseLabel_en-US" xlink:label="lab_dei_EntityDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity [Domain]</link:label>
    <link:label id="lab_dei_EntityDomain_label_en-US" xlink:label="lab_dei_EntityDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityDomain" xlink:to="lab_dei_EntityDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CommonUnitOutstanding_019e2838-54b4-78d3-8da1-9df784d48764_periodStartLabel_en-US" xlink:label="lab_us-gaap_CommonUnitOutstanding" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Class A LLC Units Beginning balance (in shares)</link:label>
    <link:label id="lab_us-gaap_CommonUnitOutstanding_019e2838-54b4-7ae5-9aec-761750ee5cc5_periodEndLabel_en-US" xlink:label="lab_us-gaap_CommonUnitOutstanding" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Class A LLC Units Ending balance (in shares)</link:label>
    <link:label id="lab_us-gaap_CommonUnitOutstanding_label_en-US" xlink:label="lab_us-gaap_CommonUnitOutstanding" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Unit, Outstanding</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonUnitOutstanding" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonUnitOutstanding"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommonUnitOutstanding" xlink:to="lab_us-gaap_CommonUnitOutstanding" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestExpenseOperating_019e2838-54b4-7b5a-9039-e01e10d56f48_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_InterestExpenseOperating" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Interest expense</link:label>
    <link:label id="lab_us-gaap_InterestExpenseOperating_label_en-US" xlink:label="lab_us-gaap_InterestExpenseOperating" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Expense, Operating</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseOperating" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestExpenseOperating"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestExpenseOperating" xlink:to="lab_us-gaap_InterestExpenseOperating" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_LongTermDebtMaturityAfterYearFour_019e2838-5556-7a0e-8c71-a4685f5d728f_terseLabel_en-US" xlink:label="lab_foa_LongTermDebtMaturityAfterYearFour" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Thereafter</link:label>
    <link:label id="lab_foa_LongTermDebtMaturityAfterYearFour_label_en-US" xlink:label="lab_foa_LongTermDebtMaturityAfterYearFour" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Long-Term Debt, Maturity, After Year Four</link:label>
    <link:label id="lab_foa_LongTermDebtMaturityAfterYearFour_documentation_en-US" xlink:label="lab_foa_LongTermDebtMaturityAfterYearFour" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Long-Term Debt, Maturity, After Year Four</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_LongTermDebtMaturityAfterYearFour" xlink:href="foa-20260630.xsd#foa_LongTermDebtMaturityAfterYearFour"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_LongTermDebtMaturityAfterYearFour" xlink:to="lab_foa_LongTermDebtMaturityAfterYearFour" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PreferredStockSharesIssued_019e2838-55e6-7433-abbf-95d1d3a3b781_terseLabel_en-US" xlink:label="lab_us-gaap_PreferredStockSharesIssued" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Preferred stock, issued (in shares)</link:label>
    <link:label id="lab_us-gaap_PreferredStockSharesIssued_label_en-US" xlink:label="lab_us-gaap_PreferredStockSharesIssued" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Preferred Stock, Shares Issued</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockSharesIssued" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PreferredStockSharesIssued"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PreferredStockSharesIssued" xlink:to="lab_us-gaap_PreferredStockSharesIssued" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeLossFromContinuingOperationsAttributableToNoncontrollingEntity_019e2838-53e6-7369-a3b1-6685579a8614_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeLossFromContinuingOperationsAttributableToNoncontrollingEntity" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net income (loss) from continuing operations attributable to noncontrolling interest</link:label>
    <link:label id="lab_us-gaap_IncomeLossFromContinuingOperationsAttributableToNoncontrollingEntity_019e2838-53e6-726e-8e80-7b77f0e7e24a_verboseLabel_en-US" xlink:label="lab_us-gaap_IncomeLossFromContinuingOperationsAttributableToNoncontrollingEntity" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Less: Net income (loss) from continuing operations attributable to noncontrolling interest</link:label>
    <link:label id="lab_us-gaap_IncomeLossFromContinuingOperationsAttributableToNoncontrollingEntity_label_en-US" xlink:label="lab_us-gaap_IncomeLossFromContinuingOperationsAttributableToNoncontrollingEntity" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income (Loss) from Continuing Operations, Net of Tax, Attributable to Noncontrolling Interest</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsAttributableToNoncontrollingEntity" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeLossFromContinuingOperationsAttributableToNoncontrollingEntity"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsAttributableToNoncontrollingEntity" xlink:to="lab_us-gaap_IncomeLossFromContinuingOperationsAttributableToNoncontrollingEntity" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember_019e2838-53e6-7d9e-bdde-e546f872a183_terseLabel_en-US" xlink:label="lab_us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Variable Interest Entity, Not Primary Beneficiary</link:label>
    <link:label id="lab_us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember_label_en-US" xlink:label="lab_us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variable Interest Entity, Not Primary Beneficiary [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember" xlink:to="lab_us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OperatingSegmentsMember_019e2838-5556-794f-97ce-aa93fb9146bb_terseLabel_en-US" xlink:label="lab_us-gaap_OperatingSegmentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Operating segments</link:label>
    <link:label id="lab_us-gaap_OperatingSegmentsMember_label_en-US" xlink:label="lab_us-gaap_OperatingSegmentsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Operating Segments [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingSegmentsMember" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingSegmentsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OperatingSegmentsMember" xlink:to="lab_us-gaap_OperatingSegmentsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestExpenseNonoperating_019e2838-53e6-75f4-b7c9-582591b12f91_negatedLabel_en-US" xlink:label="lab_us-gaap_InterestExpenseNonoperating" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Non-funding interest expense, net</link:label>
    <link:label id="lab_us-gaap_InterestExpenseNonoperating_019e2838-53e6-7658-8354-57de83598dd4_terseLabel_en-US" xlink:label="lab_us-gaap_InterestExpenseNonoperating" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest expense</link:label>
    <link:label id="lab_us-gaap_InterestExpenseNonoperating_label_en-US" xlink:label="lab_us-gaap_InterestExpenseNonoperating" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Expense, Nonoperating</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseNonoperating" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestExpenseNonoperating"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestExpenseNonoperating" xlink:to="lab_us-gaap_InterestExpenseNonoperating" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_EqualToOrGreaterThanMember_019e2838-5555-7d28-859f-0604b69513b7_terseLabel_en-US" xlink:label="lab_foa_EqualToOrGreaterThanMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equal or greater than</link:label>
    <link:label id="lab_foa_EqualToOrGreaterThanMember_label_en-US" xlink:label="lab_foa_EqualToOrGreaterThanMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equal To Or Greater Than [Member]</link:label>
    <link:label id="lab_foa_EqualToOrGreaterThanMember_documentation_en-US" xlink:label="lab_foa_EqualToOrGreaterThanMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Equal to or greater than.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_EqualToOrGreaterThanMember" xlink:href="foa-20260630.xsd#foa_EqualToOrGreaterThanMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_EqualToOrGreaterThanMember" xlink:to="lab_foa_EqualToOrGreaterThanMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_MortgagesHeldForSaleFairValueDisclosure_019e2838-54b4-7f10-b7d6-148c5aa47439_terseLabel_en-US" xlink:label="lab_us-gaap_MortgagesHeldForSaleFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans held for sale</link:label>
    <link:label id="lab_us-gaap_MortgagesHeldForSaleFairValueDisclosure_019e2838-54b4-7cee-bef1-3647861d05ce_verboseLabel_en-US" xlink:label="lab_us-gaap_MortgagesHeldForSaleFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Loans held for sale, at fair value (Note 5 - Fair Value)</link:label>
    <link:label id="lab_us-gaap_MortgagesHeldForSaleFairValueDisclosure_label_en-US" xlink:label="lab_us-gaap_MortgagesHeldForSaleFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loan, Mortgage, Held-for-Sale, Fair Value Disclosure</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgagesHeldForSaleFairValueDisclosure" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MortgagesHeldForSaleFairValueDisclosure"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_MortgagesHeldForSaleFairValueDisclosure" xlink:to="lab_us-gaap_MortgagesHeldForSaleFairValueDisclosure" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_ExchangeableSecuredNotesMember_019e2838-54b4-7694-a4e0-b124389c884b_terseLabel_en-US" xlink:label="lab_foa_ExchangeableSecuredNotesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Exchangeable Secured Notes</link:label>
    <link:label id="lab_foa_ExchangeableSecuredNotesMember_label_en-US" xlink:label="lab_foa_ExchangeableSecuredNotesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Exchangeable Secured Notes [Member]</link:label>
    <link:label id="lab_foa_ExchangeableSecuredNotesMember_documentation_en-US" xlink:label="lab_foa_ExchangeableSecuredNotesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Exchangeable Secured Notes</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_ExchangeableSecuredNotesMember" xlink:href="foa-20260630.xsd#foa_ExchangeableSecuredNotesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_ExchangeableSecuredNotesMember" xlink:to="lab_foa_ExchangeableSecuredNotesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueNetAssetLiability_019e2838-55e6-7219-934f-0744118ea078_totalLabel_en-US" xlink:label="lab_us-gaap_FairValueNetAssetLiability" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">NET CARRYING VALUE OF ASSETS IN VIEs</link:label>
    <link:label id="lab_us-gaap_FairValueNetAssetLiability_label_en-US" xlink:label="lab_us-gaap_FairValueNetAssetLiability" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Net Asset (Liability)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueNetAssetLiability" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueNetAssetLiability"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueNetAssetLiability" xlink:to="lab_us-gaap_FairValueNetAssetLiability" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_PaymentsOnHMBSRelatedObligations_019e2838-5556-77a9-9e9e-377f0dc85bac_negatedTerseLabel_en-US" xlink:label="lab_foa_PaymentsOnHMBSRelatedObligations" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Payments on HMBS related obligations</link:label>
    <link:label id="lab_foa_PaymentsOnHMBSRelatedObligations_label_en-US" xlink:label="lab_foa_PaymentsOnHMBSRelatedObligations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payments on HMBS Related Obligations</link:label>
    <link:label id="lab_foa_PaymentsOnHMBSRelatedObligations_documentation_en-US" xlink:label="lab_foa_PaymentsOnHMBSRelatedObligations" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Payments on HMBS Related Obligations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_PaymentsOnHMBSRelatedObligations" xlink:href="foa-20260630.xsd#foa_PaymentsOnHMBSRelatedObligations"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_PaymentsOnHMBSRelatedObligations" xlink:to="lab_foa_PaymentsOnHMBSRelatedObligations" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AccountsPayableAndOtherAccruedLiabilities_019e2838-54b4-7818-83d7-0c4dc7e6e40a_terseLabel_en-US" xlink:label="lab_us-gaap_AccountsPayableAndOtherAccruedLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Payables and other liabilities (includes $4,221 and $12,547 at fair value)</link:label>
    <link:label id="lab_us-gaap_AccountsPayableAndOtherAccruedLiabilities_label_en-US" xlink:label="lab_us-gaap_AccountsPayableAndOtherAccruedLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accounts Payable and Other Accrued Liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsPayableAndOtherAccruedLiabilities" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccountsPayableAndOtherAccruedLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AccountsPayableAndOtherAccruedLiabilities" xlink:to="lab_us-gaap_AccountsPayableAndOtherAccruedLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AccountsPayableAndOtherAccruedLiabilitiesCurrent_019e2838-5555-7561-bd3c-b6dfade9ffa3_terseLabel_en-US" xlink:label="lab_us-gaap_AccountsPayableAndOtherAccruedLiabilitiesCurrent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Payables and other liabilities</link:label>
    <link:label id="lab_us-gaap_AccountsPayableAndOtherAccruedLiabilitiesCurrent_label_en-US" xlink:label="lab_us-gaap_AccountsPayableAndOtherAccruedLiabilitiesCurrent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accounts Payable and Other Accrued Liabilities, Current</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsPayableAndOtherAccruedLiabilitiesCurrent" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccountsPayableAndOtherAccruedLiabilitiesCurrent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AccountsPayableAndOtherAccruedLiabilitiesCurrent" xlink:to="lab_us-gaap_AccountsPayableAndOtherAccruedLiabilitiesCurrent" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_PeoMember_terseLabel_en-US" xlink:label="lab_ecd_PeoMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">PEO</link:label>
    <link:label id="lab_ecd_PeoMember_label_en-US" xlink:label="lab_ecd_PeoMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">PEO [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeoMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_PeoMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_PeoMember" xlink:to="lab_ecd_PeoMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo_019e2838-54b4-7033-a899-c831b4215ea3_terseLabel_en-US" xlink:label="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2028</link:label>
    <link:label id="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo_label_en-US" xlink:label="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Long-Term Debt, Maturity, Year Two</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo" xlink:to="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo" xlink:type="arc" order="1"/>
    <link:label id="lab_exch_XNYS_019e2838-5555-7c72-a9f6-7a6ae1fb6c6d_terseLabel_en-US" xlink:label="lab_exch_XNYS" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">New York Stock Exchange</link:label>
    <link:label id="lab_exch_XNYS_label_en-US" xlink:label="lab_exch_XNYS" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">NEW YORK STOCK EXCHANGE, INC. [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_exch_XNYS" xlink:href="https://xbrl.sec.gov/exch/2026/exch-2026.xsd#exch_XNYS"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_exch_XNYS" xlink:to="lab_exch_XNYS" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_ReverseMortgageLoansPerformingHECMBuyoutsMember_019e2838-53e6-7d7d-aa36-8b55aeaeebea_terseLabel_en-US" xlink:label="lab_foa_ReverseMortgageLoansPerformingHECMBuyoutsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Performing HECM buyouts</link:label>
    <link:label id="lab_foa_ReverseMortgageLoansPerformingHECMBuyoutsMember_label_en-US" xlink:label="lab_foa_ReverseMortgageLoansPerformingHECMBuyoutsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reverse Mortgage Loans, Performing HECM Buyouts [Member]</link:label>
    <link:label id="lab_foa_ReverseMortgageLoansPerformingHECMBuyoutsMember_documentation_en-US" xlink:label="lab_foa_ReverseMortgageLoansPerformingHECMBuyoutsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Performing HECM buyouts .</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_ReverseMortgageLoansPerformingHECMBuyoutsMember" xlink:href="foa-20260630.xsd#foa_ReverseMortgageLoansPerformingHECMBuyoutsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_ReverseMortgageLoansPerformingHECMBuyoutsMember" xlink:to="lab_foa_ReverseMortgageLoansPerformingHECMBuyoutsMember" xlink:type="arc" order="1"/>
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    <link:label id="lab_foa_FairValueOptionLoansHeldForInvestment90DaysOrMorePastDueAndNonaccrualStatusUnpaidPrincipalBalance_label_en-US" xlink:label="lab_foa_FairValueOptionLoansHeldForInvestment90DaysOrMorePastDueAndNonaccrualStatusUnpaidPrincipalBalance" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Option, Loans Held-For-Investment, 90 Days Or More Past Due And Nonaccrual Status, Unpaid Principal Balance</link:label>
    <link:label id="lab_foa_FairValueOptionLoansHeldForInvestment90DaysOrMorePastDueAndNonaccrualStatusUnpaidPrincipalBalance_documentation_en-US" xlink:label="lab_foa_FairValueOptionLoansHeldForInvestment90DaysOrMorePastDueAndNonaccrualStatusUnpaidPrincipalBalance" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Fair Value, Option, Loans Held-For-Investment, 90 Days Or More Past Due And Nonaccrual Status, Unpaid Principal Balance</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_FairValueOptionLoansHeldForInvestment90DaysOrMorePastDueAndNonaccrualStatusUnpaidPrincipalBalance" xlink:href="foa-20260630.xsd#foa_FairValueOptionLoansHeldForInvestment90DaysOrMorePastDueAndNonaccrualStatusUnpaidPrincipalBalance"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_FairValueOptionLoansHeldForInvestment90DaysOrMorePastDueAndNonaccrualStatusUnpaidPrincipalBalance" xlink:to="lab_foa_FairValueOptionLoansHeldForInvestment90DaysOrMorePastDueAndNonaccrualStatusUnpaidPrincipalBalance" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_SecuririzationDomain_019e2838-53e6-794c-ac9f-7be8096518e0_terseLabel_en-US" xlink:label="lab_foa_SecuririzationDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Securirization [Domain]</link:label>
    <link:label id="lab_foa_SecuririzationDomain_label_en-US" xlink:label="lab_foa_SecuririzationDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Securirization [Domain]</link:label>
    <link:label id="lab_foa_SecuririzationDomain_documentation_en-US" xlink:label="lab_foa_SecuririzationDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Securirization [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_SecuririzationDomain" xlink:href="foa-20260630.xsd#foa_SecuririzationDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_SecuririzationDomain" xlink:to="lab_foa_SecuririzationDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt_terseLabel_en-US" xlink:label="lab_ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Forgone Recovery due to Violation of Home Country Law, Amount</link:label>
    <link:label id="lab_ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt_label_en-US" xlink:label="lab_ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Forgone Recovery due to Violation of Home Country Law, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt" xlink:to="lab_ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_PurchasesAndOriginationOfMortgageLoansHeldForInvestmentSubjectToNonrecourseDebt_019e2838-53e6-7b97-bfd2-d21b0d72eab9_negatedTerseLabel_en-US" xlink:label="lab_foa_PurchasesAndOriginationOfMortgageLoansHeldForInvestmentSubjectToNonrecourseDebt" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Purchases and originations of loans held for investment, subject to nonrecourse debt</link:label>
    <link:label id="lab_foa_PurchasesAndOriginationOfMortgageLoansHeldForInvestmentSubjectToNonrecourseDebt_label_en-US" xlink:label="lab_foa_PurchasesAndOriginationOfMortgageLoansHeldForInvestmentSubjectToNonrecourseDebt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Purchases And Origination Of Mortgage Loans Held For Investment, Subject To Nonrecourse Debt</link:label>
    <link:label id="lab_foa_PurchasesAndOriginationOfMortgageLoansHeldForInvestmentSubjectToNonrecourseDebt_documentation_en-US" xlink:label="lab_foa_PurchasesAndOriginationOfMortgageLoansHeldForInvestmentSubjectToNonrecourseDebt" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Purchases and origination of mortgage loans held for investment, subject to nonrecourse debt.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_PurchasesAndOriginationOfMortgageLoansHeldForInvestmentSubjectToNonrecourseDebt" xlink:href="foa-20260630.xsd#foa_PurchasesAndOriginationOfMortgageLoansHeldForInvestmentSubjectToNonrecourseDebt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_PurchasesAndOriginationOfMortgageLoansHeldForInvestmentSubjectToNonrecourseDebt" xlink:to="lab_foa_PurchasesAndOriginationOfMortgageLoansHeldForInvestmentSubjectToNonrecourseDebt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_019e2838-54b4-70b5-b87e-1e5688ae3915_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Unobservable Assumptions</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems" xlink:to="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_SecuririzationAxis_019e2838-53e6-7529-8719-4e711b993db8_terseLabel_en-US" xlink:label="lab_foa_SecuririzationAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Securirization [Axis]</link:label>
    <link:label id="lab_foa_SecuririzationAxis_label_en-US" xlink:label="lab_foa_SecuririzationAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Securirization [Axis]</link:label>
    <link:label id="lab_foa_SecuririzationAxis_documentation_en-US" xlink:label="lab_foa_SecuririzationAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Securirization</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_SecuririzationAxis" xlink:href="foa-20260630.xsd#foa_SecuririzationAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_SecuririzationAxis" xlink:to="lab_foa_SecuririzationAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SubsequentEventTypeDomain_019e2838-5555-715b-a6f8-3c0f23392d39_terseLabel_en-US" xlink:label="lab_us-gaap_SubsequentEventTypeDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subsequent Event Type [Domain]</link:label>
    <link:label id="lab_us-gaap_SubsequentEventTypeDomain_label_en-US" xlink:label="lab_us-gaap_SubsequentEventTypeDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subsequent Event Type [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventTypeDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SubsequentEventTypeDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SubsequentEventTypeDomain" xlink:to="lab_us-gaap_SubsequentEventTypeDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_TaxReceivableAgreementObligationAdditionalObligation_019fa0ca-680e-757e-9af9-d7ec67841eca_terseLabel_en-US" xlink:label="lab_foa_TaxReceivableAgreementObligationAdditionalObligation" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">TRA liability, additional obligation</link:label>
    <link:label id="lab_foa_TaxReceivableAgreementObligationAdditionalObligation_label_en-US" xlink:label="lab_foa_TaxReceivableAgreementObligationAdditionalObligation" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tax Receivable Agreement Obligation, Additional Obligation</link:label>
    <link:label id="lab_foa_TaxReceivableAgreementObligationAdditionalObligation_documentation_en-US" xlink:label="lab_foa_TaxReceivableAgreementObligationAdditionalObligation" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tax Receivable Agreement Obligation, Additional Obligation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_TaxReceivableAgreementObligationAdditionalObligation" xlink:href="foa-20260630.xsd#foa_TaxReceivableAgreementObligationAdditionalObligation"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_TaxReceivableAgreementObligationAdditionalObligation" xlink:to="lab_foa_TaxReceivableAgreementObligationAdditionalObligation" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RetainedEarningsMember_019f93c5-cbea-7bf5-8743-f6f16dea9ebd_verboseLabel_en-US" xlink:label="lab_us-gaap_RetainedEarningsMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Retained Earnings (Accumulated Deficit)</link:label>
    <link:label id="lab_us-gaap_RetainedEarningsMember_label_en-US" xlink:label="lab_us-gaap_RetainedEarningsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Retained Earnings [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsMember" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RetainedEarningsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RetainedEarningsMember" xlink:to="lab_us-gaap_RetainedEarningsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OperatingExpenses_019e2838-53e6-75d5-a38e-1cfd4ac84a30_totalLabel_en-US" xlink:label="lab_us-gaap_OperatingExpenses" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">TOTAL EXPENSES</link:label>
    <link:label id="lab_us-gaap_OperatingExpenses_label_en-US" xlink:label="lab_us-gaap_OperatingExpenses" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Operating Expenses</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingExpenses" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingExpenses"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OperatingExpenses" xlink:to="lab_us-gaap_OperatingExpenses" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RevolvingCreditFacilityMember_019fd432-1be9-7f8e-a3a1-d01ad60f3ab8_terseLabel_en-US" xlink:label="lab_us-gaap_RevolvingCreditFacilityMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Revolving Credit Facility</link:label>
    <link:label id="lab_us-gaap_RevolvingCreditFacilityMember_label_en-US" xlink:label="lab_us-gaap_RevolvingCreditFacilityMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Revolving Credit Facility [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevolvingCreditFacilityMember" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RevolvingCreditFacilityMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RevolvingCreditFacilityMember" xlink:to="lab_us-gaap_RevolvingCreditFacilityMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_ErrCompRecoveryTable_terseLabel_en-US" xlink:label="lab_ecd_ErrCompRecoveryTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Erroneously Awarded Compensation Recovery</link:label>
    <link:label id="lab_ecd_ErrCompRecoveryTable_label_en-US" xlink:label="lab_ecd_ErrCompRecoveryTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Erroneously Awarded Compensation Recovery [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ErrCompRecoveryTable" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_ErrCompRecoveryTable"/>
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    <link:label id="lab_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019e2838-5555-7c50-b4fd-1e8cc825b10c_terseLabel_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Increase (Decrease) in Stockholders' Equity [Roll Forward]</link:label>
    <link:label id="lab_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_label_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) in Stockholders' Equity [Roll Forward]</link:label>
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    <link:label id="lab_us-gaap_CommonStockSharesOutstanding_label_en-US" xlink:label="lab_us-gaap_CommonStockSharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Stock, Shares, Outstanding</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesOutstanding" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonStockSharesOutstanding"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommonStockSharesOutstanding" xlink:to="lab_us-gaap_CommonStockSharesOutstanding" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AwardTmgDiscLineItems_label_en-US" xlink:label="lab_ecd_AwardTmgDiscLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Award Timing Disclosures [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgDiscLineItems" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AwardTmgDiscLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="lab_ecd_AwardTmgDiscLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_NumberOfServicingGovernmentNationalMortgageAssociationLoanPools_019e2838-5555-7143-8f1a-53e717085a38_terseLabel_en-US" xlink:label="lab_foa_NumberOfServicingGovernmentNationalMortgageAssociationLoanPools" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Ginnie Mae loan pools</link:label>
    <link:label id="lab_foa_NumberOfServicingGovernmentNationalMortgageAssociationLoanPools_label_en-US" xlink:label="lab_foa_NumberOfServicingGovernmentNationalMortgageAssociationLoanPools" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number Of Servicing Government National Mortgage Association Loan Pools</link:label>
    <link:label id="lab_foa_NumberOfServicingGovernmentNationalMortgageAssociationLoanPools_documentation_en-US" xlink:label="lab_foa_NumberOfServicingGovernmentNationalMortgageAssociationLoanPools" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Number of servicing government national mortgage association loan pools.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_NumberOfServicingGovernmentNationalMortgageAssociationLoanPools" xlink:href="foa-20260630.xsd#foa_NumberOfServicingGovernmentNationalMortgageAssociationLoanPools"/>
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    <link:label id="lab_us-gaap_EarningsPerShareDiluted_019e2838-5555-767a-becd-a3021e16d88e_terseLabel_en-US" xlink:label="lab_us-gaap_EarningsPerShareDiluted" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Diluted earnings (loss) per share (in USD per share)</link:label>
    <link:label id="lab_us-gaap_EarningsPerShareDiluted_019e2838-5555-7fa9-80e6-8c34727cedd7_totalLabel_en-US" xlink:label="lab_us-gaap_EarningsPerShareDiluted" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Diluted earnings (loss) per share (in USD per share)</link:label>
    <link:label id="lab_us-gaap_EarningsPerShareDiluted_label_en-US" xlink:label="lab_us-gaap_EarningsPerShareDiluted" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Earnings Per Share, Diluted</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareDiluted" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EarningsPerShareDiluted"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EarningsPerShareDiluted" xlink:to="lab_us-gaap_EarningsPerShareDiluted" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityCurrentReportingStatus_019e2838-54b4-72df-9711-77b7535cfab1_terseLabel_en-US" xlink:label="lab_dei_EntityCurrentReportingStatus" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Current Reporting Status</link:label>
    <link:label id="lab_dei_EntityCurrentReportingStatus_label_en-US" xlink:label="lab_dei_EntityCurrentReportingStatus" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Current Reporting Status</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCurrentReportingStatus" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityCurrentReportingStatus"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityCurrentReportingStatus" xlink:to="lab_dei_EntityCurrentReportingStatus" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInFinancingActivities_019e2838-53e6-7282-b40b-488668c6ddd9_totalLabel_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net cash provided by (used in) financing activities</link:label>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInFinancingActivities_label_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash Provided by (Used in) Financing Activity, Including Discontinued Operation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:to="lab_us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_TotalShareholderRtnAmt_terseLabel_en-US" xlink:label="lab_ecd_TotalShareholderRtnAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total Shareholder Return Amount</link:label>
    <link:label id="lab_ecd_TotalShareholderRtnAmt_label_en-US" xlink:label="lab_ecd_TotalShareholderRtnAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Total Shareholder Return Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TotalShareholderRtnAmt" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_TotalShareholderRtnAmt"/>
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    <link:label id="lab_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerDilutedShare_019e2838-53e6-7b0a-a511-3994bb4bb7e9_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerDilutedShare" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Discontinued operations (in USD per share)</link:label>
    <link:label id="lab_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerDilutedShare_label_en-US" xlink:label="lab_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerDilutedShare" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income (Loss) from Discontinued Operations and Disposal of Discontinued Operations, Net of Tax, Per Diluted Share</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerDilutedShare" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerDilutedShare"/>
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    <link:label id="lab_us-gaap_LiabilitiesFairValueDisclosureAbstract_019e2838-5555-783b-98ad-1fcb29af3c57_terseLabel_en-US" xlink:label="lab_us-gaap_LiabilitiesFairValueDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Liabilities</link:label>
    <link:label id="lab_us-gaap_LiabilitiesFairValueDisclosureAbstract_label_en-US" xlink:label="lab_us-gaap_LiabilitiesFairValueDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liabilities, Fair Value Disclosure [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilitiesFairValueDisclosureAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract" xlink:to="lab_us-gaap_LiabilitiesFairValueDisclosureAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_AssetAcquisitionRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFairValueOptionLoansHeldForInvestmentSubjectToHMBSObligations_019f93ab-81a0-73b0-bd2f-a2b217e16918_terseLabel_en-US" xlink:label="lab_foa_AssetAcquisitionRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFairValueOptionLoansHeldForInvestmentSubjectToHMBSObligations" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans held for investment, subject to HMBS related obligations</link:label>
    <link:label id="lab_foa_AssetAcquisitionRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFairValueOptionLoansHeldForInvestmentSubjectToHMBSObligations_label_en-US" xlink:label="lab_foa_AssetAcquisitionRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFairValueOptionLoansHeldForInvestmentSubjectToHMBSObligations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Asset Acquisition, Recognized Identifiable Assets Acquired And Liabilities Assumed, Fair Value, Option, Loans Held For Investment, Subject To HMBS Obligations</link:label>
    <link:label id="lab_foa_AssetAcquisitionRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFairValueOptionLoansHeldForInvestmentSubjectToHMBSObligations_documentation_en-US" xlink:label="lab_foa_AssetAcquisitionRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFairValueOptionLoansHeldForInvestmentSubjectToHMBSObligations" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Asset Acquisition, Recognized Identifiable Assets Acquired And Liabilities Assumed, Fair Value, Option, Loans Held For Investment, Subject To HMBS Obligations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_AssetAcquisitionRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFairValueOptionLoansHeldForInvestmentSubjectToHMBSObligations" xlink:href="foa-20260630.xsd#foa_AssetAcquisitionRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFairValueOptionLoansHeldForInvestmentSubjectToHMBSObligations"/>
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    <link:label id="lab_us-gaap_InterestOnConvertibleDebtNetOfTax_019e2838-54b4-731a-a76b-25951767b166_terseLabel_en-US" xlink:label="lab_us-gaap_InterestOnConvertibleDebtNetOfTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Exchangeable Secured Notes interest expense, net</link:label>
    <link:label id="lab_us-gaap_InterestOnConvertibleDebtNetOfTax_label_en-US" xlink:label="lab_us-gaap_InterestOnConvertibleDebtNetOfTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest on Convertible Debt, Net of Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestOnConvertibleDebtNetOfTax" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestOnConvertibleDebtNetOfTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestOnConvertibleDebtNetOfTax" xlink:to="lab_us-gaap_InterestOnConvertibleDebtNetOfTax" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LineOfCreditFacilityLineItems_019e2838-5555-7aaa-9513-05685c5a0444_terseLabel_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Line of Credit Facility [Line Items]</link:label>
    <link:label id="lab_us-gaap_LineOfCreditFacilityLineItems_label_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Line of Credit Facility [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditFacilityLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LineOfCreditFacilityLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LineOfCreditFacilityLineItems" xlink:to="lab_us-gaap_LineOfCreditFacilityLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree_019e2838-5555-76db-a9f1-87c19877b823_terseLabel_en-US" xlink:label="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2029</link:label>
    <link:label id="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree_label_en-US" xlink:label="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Long-Term Debt, Maturity, Year Three</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree" xlink:to="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncrementalCommonSharesAttributableToConversionOfPreferredStock_019e2838-53e6-79c4-9248-4740ad21f369_terseLabel_en-US" xlink:label="lab_us-gaap_IncrementalCommonSharesAttributableToConversionOfPreferredStock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Assumed conversion of Preferred Stock for shares of Class A Common Stock (in shares)</link:label>
    <link:label id="lab_us-gaap_IncrementalCommonSharesAttributableToConversionOfPreferredStock_label_en-US" xlink:label="lab_us-gaap_IncrementalCommonSharesAttributableToConversionOfPreferredStock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Incremental Common Shares Attributable to Dilutive Effect of Conversion of Preferred Stock</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncrementalCommonSharesAttributableToConversionOfPreferredStock" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncrementalCommonSharesAttributableToConversionOfPreferredStock"/>
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    <link:label id="lab_foa_FinancialAsset60DaysOrLessPastDueMember_019e2838-55e6-7728-9001-f10c288741b3_terseLabel_en-US" xlink:label="lab_foa_FinancialAsset60DaysOrLessPastDueMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial Asset 60 Days Or Less Past Due</link:label>
    <link:label id="lab_foa_FinancialAsset60DaysOrLessPastDueMember_label_en-US" xlink:label="lab_foa_FinancialAsset60DaysOrLessPastDueMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Asset 60 Days Or Less Past Due [Member]</link:label>
    <link:label id="lab_foa_FinancialAsset60DaysOrLessPastDueMember_documentation_en-US" xlink:label="lab_foa_FinancialAsset60DaysOrLessPastDueMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financial asset 60 days or less past due.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_FinancialAsset60DaysOrLessPastDueMember" xlink:href="foa-20260630.xsd#foa_FinancialAsset60DaysOrLessPastDueMember"/>
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    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentNet_019e2838-53e6-7926-8411-0b02a33c7100_verboseLabel_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentNet" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Fixed assets, net</link:label>
    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentNet_label_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Property, Plant, and Equipment, after Accumulated Depreciation, Depletion, and Amortization</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentNet" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PropertyPlantAndEquipmentNet"/>
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    <link:label id="lab_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_019e2838-5555-74f1-8e9f-d4c3f848b0c6_terseLabel_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing Activities</link:label>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_label_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash Provided by (Used in) Financing Activity, Including Discontinued Operation [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:to="lab_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_ComprehensiveIncomeNetOfTaxAttributableToCRNCI_019e2838-54b4-7de8-a3ec-8da4fbbc40e8_terseLabel_en-US" xlink:label="lab_foa_ComprehensiveIncomeNetOfTaxAttributableToCRNCI" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Less: Comprehensive income (loss) attributable to noncontrolling interest</link:label>
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    <link:label id="lab_foa_ComprehensiveIncomeNetOfTaxAttributableToCRNCI_documentation_en-US" xlink:label="lab_foa_ComprehensiveIncomeNetOfTaxAttributableToCRNCI" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Comprehensive income net of tax attributable to CRNCI.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_ComprehensiveIncomeNetOfTaxAttributableToCRNCI" xlink:href="foa-20260630.xsd#foa_ComprehensiveIncomeNetOfTaxAttributableToCRNCI"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_ComprehensiveIncomeNetOfTaxAttributableToCRNCI" xlink:to="lab_foa_ComprehensiveIncomeNetOfTaxAttributableToCRNCI" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019e2838-5556-7116-a926-20a84b3cc1b2_terseLabel_en-US" xlink:label="lab_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial Instruments [Domain]</link:label>
    <link:label id="lab_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_label_en-US" xlink:label="lab_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Instruments [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xlink:to="lab_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasicAbstract_019e2838-5556-77c9-9537-501f9cbc795a_terseLabel_en-US" xlink:label="lab_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasicAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Numerator</link:label>
    <link:label id="lab_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasicAbstract_label_en-US" xlink:label="lab_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasicAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Income (Loss) Available to Common Stockholders, Basic [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasicAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersBasicAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasicAbstract" xlink:to="lab_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasicAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StockRepurchasedDuringPeriodValue_019e2838-54b4-7d81-b4c1-ef32b12aace6_terseLabel_en-US" xlink:label="lab_us-gaap_StockRepurchasedDuringPeriodValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Repurchases</link:label>
    <link:label id="lab_us-gaap_StockRepurchasedDuringPeriodValue_label_en-US" xlink:label="lab_us-gaap_StockRepurchasedDuringPeriodValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Stock Repurchased During Period, Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockRepurchasedDuringPeriodValue" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockRepurchasedDuringPeriodValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StockRepurchasedDuringPeriodValue" xlink:to="lab_us-gaap_StockRepurchasedDuringPeriodValue" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_FairValueOptionLoansHeldForInvestmentSubjectToNonrecourseDebt_019e2838-54b4-78e9-a3b0-9bc7fbad9ebb_verboseLabel_en-US" xlink:label="lab_foa_FairValueOptionLoansHeldForInvestmentSubjectToNonrecourseDebt" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Loans held for investment, subject to nonrecourse debt, at fair value</link:label>
    <link:label id="lab_foa_FairValueOptionLoansHeldForInvestmentSubjectToNonrecourseDebt_019e2838-54b4-70b8-b16d-23023fd49189_terseLabel_en-US" xlink:label="lab_foa_FairValueOptionLoansHeldForInvestmentSubjectToNonrecourseDebt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans held for investment, subject to nonrecourse debt, at fair value</link:label>
    <link:label id="lab_foa_FairValueOptionLoansHeldForInvestmentSubjectToNonrecourseDebt_label_en-US" xlink:label="lab_foa_FairValueOptionLoansHeldForInvestmentSubjectToNonrecourseDebt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Option, Loans Held-For-Investment, Subject To Nonrecourse Debt</link:label>
    <link:label id="lab_foa_FairValueOptionLoansHeldForInvestmentSubjectToNonrecourseDebt_documentation_en-US" xlink:label="lab_foa_FairValueOptionLoansHeldForInvestmentSubjectToNonrecourseDebt" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Fair Value, Option, Loans Held-For-Investment, Subject To Nonrecourse Debt</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_FairValueOptionLoansHeldForInvestmentSubjectToNonrecourseDebt" xlink:href="foa-20260630.xsd#foa_FairValueOptionLoansHeldForInvestmentSubjectToNonrecourseDebt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_FairValueOptionLoansHeldForInvestmentSubjectToNonrecourseDebt" xlink:to="lab_foa_FairValueOptionLoansHeldForInvestmentSubjectToNonrecourseDebt" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_EqtyAwrdsAdjFnTextBlock_terseLabel_en-US" xlink:label="lab_ecd_EqtyAwrdsAdjFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity Awards Adjustments, Footnote</link:label>
    <link:label id="lab_ecd_EqtyAwrdsAdjFnTextBlock_label_en-US" xlink:label="lab_ecd_EqtyAwrdsAdjFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity Awards Adjustments, Footnote [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_EqtyAwrdsAdjFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_EqtyAwrdsAdjFnTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_EqtyAwrdsAdjFnTextBlock" xlink:to="lab_ecd_EqtyAwrdsAdjFnTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AwardUndrlygSecuritiesAmt_terseLabel_en-US" xlink:label="lab_ecd_AwardUndrlygSecuritiesAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Underlying Securities</link:label>
    <link:label id="lab_ecd_AwardUndrlygSecuritiesAmt_label_en-US" xlink:label="lab_ecd_AwardUndrlygSecuritiesAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Award Underlying Securities Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardUndrlygSecuritiesAmt" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AwardUndrlygSecuritiesAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AwardUndrlygSecuritiesAmt" xlink:to="lab_ecd_AwardUndrlygSecuritiesAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ExpenseRelatedToDistributionOrServicingAndUnderwritingFees_019e2838-54b4-74ab-9eca-f6fbb9814666_terseLabel_en-US" xlink:label="lab_us-gaap_ExpenseRelatedToDistributionOrServicingAndUnderwritingFees" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loan servicing expenses</link:label>
    <link:label id="lab_us-gaap_ExpenseRelatedToDistributionOrServicingAndUnderwritingFees_019e2838-54b4-77b9-88c8-137a2eded983_verboseLabel_en-US" xlink:label="lab_us-gaap_ExpenseRelatedToDistributionOrServicingAndUnderwritingFees" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Loan servicing expenses</link:label>
    <link:label id="lab_us-gaap_ExpenseRelatedToDistributionOrServicingAndUnderwritingFees_label_en-US" xlink:label="lab_us-gaap_ExpenseRelatedToDistributionOrServicingAndUnderwritingFees" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Expense Related to Distribution or Servicing and Underwriting Fees</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ExpenseRelatedToDistributionOrServicingAndUnderwritingFees" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ExpenseRelatedToDistributionOrServicingAndUnderwritingFees"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ExpenseRelatedToDistributionOrServicingAndUnderwritingFees" xlink:to="lab_us-gaap_ExpenseRelatedToDistributionOrServicingAndUnderwritingFees" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_Cash_019e2838-55e6-707a-bcfa-189534d47f62_terseLabel_en-US" xlink:label="lab_us-gaap_Cash" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash</link:label>
    <link:label id="lab_us-gaap_Cash_label_en-US" xlink:label="lab_us-gaap_Cash" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Cash" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Cash"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_Cash" xlink:to="lab_us-gaap_Cash" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_LoansHeldForInvestmentMember_019e2838-53e6-7f27-bde4-3a9e031ab284_terseLabel_en-US" xlink:label="lab_foa_LoansHeldForInvestmentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans held for investment</link:label>
    <link:label id="lab_foa_LoansHeldForInvestmentMember_label_en-US" xlink:label="lab_foa_LoansHeldForInvestmentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans Held-For-Investment [Member]</link:label>
    <link:label id="lab_foa_LoansHeldForInvestmentMember_documentation_en-US" xlink:label="lab_foa_LoansHeldForInvestmentMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans Held-For-Investment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_LoansHeldForInvestmentMember" xlink:href="foa-20260630.xsd#foa_LoansHeldForInvestmentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_LoansHeldForInvestmentMember" xlink:to="lab_foa_LoansHeldForInvestmentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PreferredStockMember_019e2838-54b4-7f69-a067-0531e2040416_terseLabel_en-US" xlink:label="lab_us-gaap_PreferredStockMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Preferred Stock</link:label>
    <link:label id="lab_us-gaap_PreferredStockMember_label_en-US" xlink:label="lab_us-gaap_PreferredStockMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Preferred Stock [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockMember" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PreferredStockMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PreferredStockMember" xlink:to="lab_us-gaap_PreferredStockMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PaymentsForProceedsFromOtherInvestingActivities_019e2838-54b4-735b-b846-306c46144f44_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_PaymentsForProceedsFromOtherInvestingActivities" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Other investing activities, net</link:label>
    <link:label id="lab_us-gaap_PaymentsForProceedsFromOtherInvestingActivities_label_en-US" xlink:label="lab_us-gaap_PaymentsForProceedsFromOtherInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payment for (Proceeds from) Other Investing Activity</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForProceedsFromOtherInvestingActivities" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsForProceedsFromOtherInvestingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PaymentsForProceedsFromOtherInvestingActivities" xlink:to="lab_us-gaap_PaymentsForProceedsFromOtherInvestingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StockIssuedDuringPeriodSharesAcquisitions_019e2838-53e6-73aa-a980-1623872055f6_terseLabel_en-US" xlink:label="lab_us-gaap_StockIssuedDuringPeriodSharesAcquisitions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Issuance of Class A LLC Units (in shares)</link:label>
    <link:label id="lab_us-gaap_StockIssuedDuringPeriodSharesAcquisitions_label_en-US" xlink:label="lab_us-gaap_StockIssuedDuringPeriodSharesAcquisitions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Stock Issued During Period, Shares, Acquisitions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodSharesAcquisitions" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockIssuedDuringPeriodSharesAcquisitions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StockIssuedDuringPeriodSharesAcquisitions" xlink:to="lab_us-gaap_StockIssuedDuringPeriodSharesAcquisitions" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_019e2838-54b4-7006-afdb-b61d86dfae47_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Segment Reporting [Table]</link:label>
    <link:label id="lab_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_label_en-US" xlink:label="lab_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Segment Reporting [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable" xlink:to="lab_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_SecuritizationOfPerformingAndNonperformingHECMLoansMember_019e2838-5555-7a1e-98f4-541f15a93a30_terseLabel_en-US" xlink:label="lab_foa_SecuritizationOfPerformingAndNonperformingHECMLoansMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Securitization of performing/nonperforming HECM loans</link:label>
    <link:label id="lab_foa_SecuritizationOfPerformingAndNonperformingHECMLoansMember_label_en-US" xlink:label="lab_foa_SecuritizationOfPerformingAndNonperformingHECMLoansMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Securitization Of Performing And Nonperforming HECM Loans [Member]</link:label>
    <link:label id="lab_foa_SecuritizationOfPerformingAndNonperformingHECMLoansMember_documentation_en-US" xlink:label="lab_foa_SecuritizationOfPerformingAndNonperformingHECMLoansMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Securitization of performing / nonperforming HECM loans</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_SecuritizationOfPerformingAndNonperformingHECMLoansMember" xlink:href="foa-20260630.xsd#foa_SecuritizationOfPerformingAndNonperformingHECMLoansMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_SecuritizationOfPerformingAndNonperformingHECMLoansMember" xlink:to="lab_foa_SecuritizationOfPerformingAndNonperformingHECMLoansMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable_019e2838-54b4-72d6-90e2-411be659ee64_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Related Party Transactions, by Related Party [Table]</link:label>
    <link:label id="lab_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable_label_en-US" xlink:label="lab_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Related Party Transaction [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable" xlink:to="lab_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_Liquidity_019e2838-54b4-785c-b7f7-49d4d86a6075_terseLabel_en-US" xlink:label="lab_foa_Liquidity" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Liquidity</link:label>
    <link:label id="lab_foa_Liquidity_label_en-US" xlink:label="lab_foa_Liquidity" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liquidity</link:label>
    <link:label id="lab_foa_Liquidity_documentation_en-US" xlink:label="lab_foa_Liquidity" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Liquidity.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_Liquidity" xlink:href="foa-20260630.xsd#foa_Liquidity"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_Liquidity" xlink:to="lab_foa_Liquidity" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_TaxReceivableAgreementObligation_019fa0ca-7b57-7365-b613-9d6f638b096f_verboseLabel_en-US" xlink:label="lab_foa_TaxReceivableAgreementObligation" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">TRA liability</link:label>
    <link:label id="lab_foa_TaxReceivableAgreementObligation_label_en-US" xlink:label="lab_foa_TaxReceivableAgreementObligation" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tax Receivable Agreement Obligation</link:label>
    <link:label id="lab_foa_TaxReceivableAgreementObligation_documentation_en-US" xlink:label="lab_foa_TaxReceivableAgreementObligation" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tax Receivable Agreement Obligation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_TaxReceivableAgreementObligation" xlink:href="foa-20260630.xsd#foa_TaxReceivableAgreementObligation"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_TaxReceivableAgreementObligation" xlink:to="lab_foa_TaxReceivableAgreementObligation" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_LineofCreditFacilityAccordionFeatureIncreaseLimit_019fd432-1be9-75cd-80e8-63a4a3ddf180_terseLabel_en-US" xlink:label="lab_foa_LineofCreditFacilityAccordionFeatureIncreaseLimit" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accordion feature, increase limit</link:label>
    <link:label id="lab_foa_LineofCreditFacilityAccordionFeatureIncreaseLimit_label_en-US" xlink:label="lab_foa_LineofCreditFacilityAccordionFeatureIncreaseLimit" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Line of Credit Facility, Accordion Feature, Increase Limit</link:label>
    <link:label id="lab_foa_LineofCreditFacilityAccordionFeatureIncreaseLimit_documentation_en-US" xlink:label="lab_foa_LineofCreditFacilityAccordionFeatureIncreaseLimit" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Line of credit facility, accordion feature, increase limit, subject to certain conditions by obtaining additional commitments from existing and/or new lenders.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_LineofCreditFacilityAccordionFeatureIncreaseLimit" xlink:href="foa-20260630.xsd#foa_LineofCreditFacilityAccordionFeatureIncreaseLimit"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_LineofCreditFacilityAccordionFeatureIncreaseLimit" xlink:to="lab_foa_LineofCreditFacilityAccordionFeatureIncreaseLimit" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperationsAbstract_019e2838-54b4-75c5-9ec0-d9f9ca67167e_terseLabel_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperationsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Investing Activities</link:label>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperationsAbstract_label_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperationsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash Provided by (Used in) Investing Activity, Continuing Operation [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperationsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperationsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperationsAbstract" xlink:to="lab_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperationsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_PercentageOfOutstandingPrincipalBalanceIsEqualToOrGreaterThanMca_019e2838-54b4-756a-a025-8aaa59747670_terseLabel_en-US" xlink:label="lab_foa_PercentageOfOutstandingPrincipalBalanceIsEqualToOrGreaterThanMca" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Outstanding principal balance is equal to or greater than MCA (in percent)</link:label>
    <link:label id="lab_foa_PercentageOfOutstandingPrincipalBalanceIsEqualToOrGreaterThanMca_label_en-US" xlink:label="lab_foa_PercentageOfOutstandingPrincipalBalanceIsEqualToOrGreaterThanMca" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage of Outstanding Principal Balance is Equal to or Greater than MCA</link:label>
    <link:label id="lab_foa_PercentageOfOutstandingPrincipalBalanceIsEqualToOrGreaterThanMca_documentation_en-US" xlink:label="lab_foa_PercentageOfOutstandingPrincipalBalanceIsEqualToOrGreaterThanMca" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percentage of outstanding principal balance is equal to or greater than MCA.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_PercentageOfOutstandingPrincipalBalanceIsEqualToOrGreaterThanMca" xlink:href="foa-20260630.xsd#foa_PercentageOfOutstandingPrincipalBalanceIsEqualToOrGreaterThanMca"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_PercentageOfOutstandingPrincipalBalanceIsEqualToOrGreaterThanMca" xlink:to="lab_foa_PercentageOfOutstandingPrincipalBalanceIsEqualToOrGreaterThanMca" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_label_en-US" xlink:label="lab_us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Commitments and Contingencies Disclosure [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xlink:to="lab_us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AllTradingArrangementsMember_terseLabel_en-US" xlink:label="lab_ecd_AllTradingArrangementsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">All Trading Arrangements</link:label>
    <link:label id="lab_ecd_AllTradingArrangementsMember_label_en-US" xlink:label="lab_ecd_AllTradingArrangementsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">All Trading Arrangements [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllTradingArrangementsMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AllTradingArrangementsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AllTradingArrangementsMember" xlink:to="lab_ecd_AllTradingArrangementsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue_019e2838-54b4-773a-9e38-c4d95debd0d8_periodStartLabel_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Beginning balance</link:label>
    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue_019e2838-54b4-75ad-935a-5b0ab4c5d40a_periodEndLabel_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Ending balance</link:label>
    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue_label_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Liability Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue" xlink:to="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTableTextBlock_019e2838-54b4-780b-8fa1-180390e5190b_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Recognized Assets and Liabilities that are Measured at Fair Value on a Recurring Basis</link:label>
    <link:label id="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTableTextBlock_label_en-US" xlink:label="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Measurements, Recurring and Nonrecurring [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTableTextBlock" xlink:to="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_OtherPerfMeasureAmt_terseLabel_en-US" xlink:label="lab_ecd_OtherPerfMeasureAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other Performance Measure, Amount</link:label>
    <link:label id="lab_ecd_OtherPerfMeasureAmt_label_en-US" xlink:label="lab_ecd_OtherPerfMeasureAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Performance Measure, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_OtherPerfMeasureAmt" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_OtherPerfMeasureAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_OtherPerfMeasureAmt" xlink:to="lab_ecd_OtherPerfMeasureAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AwardTmgMnpiCnsdrdFlag_terseLabel_en-US" xlink:label="lab_ecd_AwardTmgMnpiCnsdrdFlag" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Award Timing MNPI Considered</link:label>
    <link:label id="lab_ecd_AwardTmgMnpiCnsdrdFlag_label_en-US" xlink:label="lab_ecd_AwardTmgMnpiCnsdrdFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Award Timing MNPI Considered [Flag]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgMnpiCnsdrdFlag" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AwardTmgMnpiCnsdrdFlag"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AwardTmgMnpiCnsdrdFlag" xlink:to="lab_ecd_AwardTmgMnpiCnsdrdFlag" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_LFHPromissoryNoteMember_019e2838-53e6-7d82-9c4e-91e7a4bf600d_terseLabel_en-US" xlink:label="lab_foa_LFHPromissoryNoteMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">LFH Promissory Note</link:label>
    <link:label id="lab_foa_LFHPromissoryNoteMember_label_en-US" xlink:label="lab_foa_LFHPromissoryNoteMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">LFH Promissory Note [Member]</link:label>
    <link:label id="lab_foa_LFHPromissoryNoteMember_documentation_en-US" xlink:label="lab_foa_LFHPromissoryNoteMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">LFH Promissory Note</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_LFHPromissoryNoteMember" xlink:href="foa-20260630.xsd#foa_LFHPromissoryNoteMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_LFHPromissoryNoteMember" xlink:to="lab_foa_LFHPromissoryNoteMember" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_CurrentFiscalYearEndDate_019e2838-5555-720d-9a68-e523b4a6af55_terseLabel_en-US" xlink:label="lab_dei_CurrentFiscalYearEndDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Current Fiscal Year End Date</link:label>
    <link:label id="lab_dei_CurrentFiscalYearEndDate_label_en-US" xlink:label="lab_dei_CurrentFiscalYearEndDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Current Fiscal Year End Date</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CurrentFiscalYearEndDate" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_CurrentFiscalYearEndDate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_CurrentFiscalYearEndDate" xlink:to="lab_dei_CurrentFiscalYearEndDate" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_NonPeoNeoAvgTotalCompAmt_terseLabel_en-US" xlink:label="lab_ecd_NonPeoNeoAvgTotalCompAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-PEO NEO Average Total Compensation Amount</link:label>
    <link:label id="lab_ecd_NonPeoNeoAvgTotalCompAmt_label_en-US" xlink:label="lab_ecd_NonPeoNeoAvgTotalCompAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-PEO NEO Average Total Compensation Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonPeoNeoAvgTotalCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_NonPeoNeoAvgTotalCompAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_NonPeoNeoAvgTotalCompAmt" xlink:to="lab_ecd_NonPeoNeoAvgTotalCompAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_FairValueOptionServicingAssetUnpaidPrincipalBalance_019e2838-54b4-713e-a065-8bb9453515a0_terseLabel_en-US" xlink:label="lab_foa_FairValueOptionServicingAssetUnpaidPrincipalBalance" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total serviced loan portfolio</link:label>
    <link:label id="lab_foa_FairValueOptionServicingAssetUnpaidPrincipalBalance_label_en-US" xlink:label="lab_foa_FairValueOptionServicingAssetUnpaidPrincipalBalance" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Option, Servicing Asset, Unpaid Principal Balance</link:label>
    <link:label id="lab_foa_FairValueOptionServicingAssetUnpaidPrincipalBalance_documentation_en-US" xlink:label="lab_foa_FairValueOptionServicingAssetUnpaidPrincipalBalance" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Fair Value, Option, Servicing Asset, Unpaid Principal Balance</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_FairValueOptionServicingAssetUnpaidPrincipalBalance" xlink:href="foa-20260630.xsd#foa_FairValueOptionServicingAssetUnpaidPrincipalBalance"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_FairValueOptionServicingAssetUnpaidPrincipalBalance" xlink:to="lab_foa_FairValueOptionServicingAssetUnpaidPrincipalBalance" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_IncrementalCommonSharesAttributableToExchangeOfClassAUnitsForShares_019e2838-54b4-7706-8af6-9882090ac20f_terseLabel_en-US" xlink:label="lab_foa_IncrementalCommonSharesAttributableToExchangeOfClassAUnitsForShares" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Assumed exchange of weighted average Class A LLC Units for shares of Class A Common Stock (in shares)</link:label>
    <link:label id="lab_foa_IncrementalCommonSharesAttributableToExchangeOfClassAUnitsForShares_label_en-US" xlink:label="lab_foa_IncrementalCommonSharesAttributableToExchangeOfClassAUnitsForShares" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Incremental Common Shares Attributable To Exchange Of Class A Units For Shares</link:label>
    <link:label id="lab_foa_IncrementalCommonSharesAttributableToExchangeOfClassAUnitsForShares_documentation_en-US" xlink:label="lab_foa_IncrementalCommonSharesAttributableToExchangeOfClassAUnitsForShares" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Incremental common shares attributable to exchange of class a units for shares.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_IncrementalCommonSharesAttributableToExchangeOfClassAUnitsForShares" xlink:href="foa-20260630.xsd#foa_IncrementalCommonSharesAttributableToExchangeOfClassAUnitsForShares"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_IncrementalCommonSharesAttributableToExchangeOfClassAUnitsForShares" xlink:to="lab_foa_IncrementalCommonSharesAttributableToExchangeOfClassAUnitsForShares" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RelatedPartyTransactionDomain_019e2838-5555-7b13-a86b-3fff0999424c_terseLabel_en-US" xlink:label="lab_us-gaap_RelatedPartyTransactionDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Related Party Transaction [Domain]</link:label>
    <link:label id="lab_us-gaap_RelatedPartyTransactionDomain_label_en-US" xlink:label="lab_us-gaap_RelatedPartyTransactionDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Related Party Transaction [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyTransactionDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RelatedPartyTransactionDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RelatedPartyTransactionDomain" xlink:to="lab_us-gaap_RelatedPartyTransactionDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NotesPayableFairValueDisclosure_019e2838-5555-7f34-b148-949f3128d2bd_terseLabel_en-US" xlink:label="lab_us-gaap_NotesPayableFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value</link:label>
    <link:label id="lab_us-gaap_NotesPayableFairValueDisclosure_label_en-US" xlink:label="lab_us-gaap_NotesPayableFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Notes Payable, Fair Value Disclosure</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesPayableFairValueDisclosure" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NotesPayableFairValueDisclosure"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NotesPayableFairValueDisclosure" xlink:to="lab_us-gaap_NotesPayableFairValueDisclosure" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AdjustmentsToAdditionalPaidInCapitalDividendsInExcessOfRetainedEarnings_019e2838-5555-7a09-8aff-ddad3fe06642_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_AdjustmentsToAdditionalPaidInCapitalDividendsInExcessOfRetainedEarnings" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Dividends declared on Preferred Stock</link:label>
    <link:label id="lab_us-gaap_AdjustmentsToAdditionalPaidInCapitalDividendsInExcessOfRetainedEarnings_label_en-US" xlink:label="lab_us-gaap_AdjustmentsToAdditionalPaidInCapitalDividendsInExcessOfRetainedEarnings" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Adjustments to Additional Paid in Capital, Dividends in Excess of Retained Earnings</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsToAdditionalPaidInCapitalDividendsInExcessOfRetainedEarnings" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AdjustmentsToAdditionalPaidInCapitalDividendsInExcessOfRetainedEarnings"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AdjustmentsToAdditionalPaidInCapitalDividendsInExcessOfRetainedEarnings" xlink:to="lab_us-gaap_AdjustmentsToAdditionalPaidInCapitalDividendsInExcessOfRetainedEarnings" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_ChngInFrValAsOfVstngDtOfPrrYrEqtyAwrdsVstdInCvrdYrMember_terseLabel_en-US" xlink:label="lab_ecd_ChngInFrValAsOfVstngDtOfPrrYrEqtyAwrdsVstdInCvrdYrMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Change in Fair Value as of Vesting Date of Prior Year Equity Awards Vested in Covered Year</link:label>
    <link:label id="lab_ecd_ChngInFrValAsOfVstngDtOfPrrYrEqtyAwrdsVstdInCvrdYrMember_label_en-US" xlink:label="lab_ecd_ChngInFrValAsOfVstngDtOfPrrYrEqtyAwrdsVstdInCvrdYrMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Change in Fair Value as of Vesting Date of Prior Year Equity Awards Vested in Covered Year [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ChngInFrValAsOfVstngDtOfPrrYrEqtyAwrdsVstdInCvrdYrMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_ChngInFrValAsOfVstngDtOfPrrYrEqtyAwrdsVstdInCvrdYrMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_ChngInFrValAsOfVstngDtOfPrrYrEqtyAwrdsVstdInCvrdYrMember" xlink:to="lab_ecd_ChngInFrValAsOfVstngDtOfPrrYrEqtyAwrdsVstdInCvrdYrMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfEarningsPerShareDilutedByCommonClassTable_019e2838-5556-7133-bbe3-0ffbd5de229b_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfEarningsPerShareDilutedByCommonClassTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Earnings Per Share, Diluted, by Common Class, Including Two Class Method [Table]</link:label>
    <link:label id="lab_us-gaap_ScheduleOfEarningsPerShareDilutedByCommonClassTable_label_en-US" xlink:label="lab_us-gaap_ScheduleOfEarningsPerShareDilutedByCommonClassTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Earnings Per Share, Diluted, by Common Class, Including Two-Class Method [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfEarningsPerShareDilutedByCommonClassTable" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfEarningsPerShareDilutedByCommonClassTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfEarningsPerShareDilutedByCommonClassTable" xlink:to="lab_us-gaap_ScheduleOfEarningsPerShareDilutedByCommonClassTable" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityFileNumber_019e2838-54b4-75c2-8451-d85176770f93_terseLabel_en-US" xlink:label="lab_dei_EntityFileNumber" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity File Number</link:label>
    <link:label id="lab_dei_EntityFileNumber_label_en-US" xlink:label="lab_dei_EntityFileNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity File Number</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityFileNumber" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityFileNumber"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityFileNumber" xlink:to="lab_dei_EntityFileNumber" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_Rule10b51ArrAdoptedFlag_terseLabel_en-US" xlink:label="lab_ecd_Rule10b51ArrAdoptedFlag" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Rule 10b5-1 Arrangement Adopted</link:label>
    <link:label id="lab_ecd_Rule10b51ArrAdoptedFlag_label_en-US" xlink:label="lab_ecd_Rule10b51ArrAdoptedFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Rule 10b5-1 Arrangement Adopted [Flag]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_Rule10b51ArrAdoptedFlag" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_Rule10b51ArrAdoptedFlag"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_Rule10b51ArrAdoptedFlag" xlink:to="lab_ecd_Rule10b51ArrAdoptedFlag" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_FairValueOptionLiabilitiesHMBSObligationsUnpaidPrincipalBalance_019e2838-54b4-786c-8a03-5167643fd451_terseLabel_en-US" xlink:label="lab_foa_FairValueOptionLiabilitiesHMBSObligationsUnpaidPrincipalBalance" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">HMBS related obligations, UBP</link:label>
    <link:label id="lab_foa_FairValueOptionLiabilitiesHMBSObligationsUnpaidPrincipalBalance_label_en-US" xlink:label="lab_foa_FairValueOptionLiabilitiesHMBSObligationsUnpaidPrincipalBalance" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Option, Liabilities, HMBS Obligations, Unpaid Principal Balance</link:label>
    <link:label id="lab_foa_FairValueOptionLiabilitiesHMBSObligationsUnpaidPrincipalBalance_documentation_en-US" xlink:label="lab_foa_FairValueOptionLiabilitiesHMBSObligationsUnpaidPrincipalBalance" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Fair Value, Option, Liabilities, HMBS Obligations, Unpaid Principal Balance</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_FairValueOptionLiabilitiesHMBSObligationsUnpaidPrincipalBalance" xlink:href="foa-20260630.xsd#foa_FairValueOptionLiabilitiesHMBSObligationsUnpaidPrincipalBalance"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_FairValueOptionLiabilitiesHMBSObligationsUnpaidPrincipalBalance" xlink:to="lab_foa_FairValueOptionLiabilitiesHMBSObligationsUnpaidPrincipalBalance" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_PercentageFarCommitmentWithAdditionToNetWorth_019e2838-54b4-7882-9729-e5019ebaefb5_terseLabel_en-US" xlink:label="lab_foa_PercentageFarCommitmentWithAdditionToNetWorth" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">FAR commitment with addition to net worth (in percent)</link:label>
    <link:label id="lab_foa_PercentageFarCommitmentWithAdditionToNetWorth_label_en-US" xlink:label="lab_foa_PercentageFarCommitmentWithAdditionToNetWorth" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage FAR Commitment With Addition To Net Worth</link:label>
    <link:label id="lab_foa_PercentageFarCommitmentWithAdditionToNetWorth_documentation_en-US" xlink:label="lab_foa_PercentageFarCommitmentWithAdditionToNetWorth" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percentage far commitment with addition to net worth.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_PercentageFarCommitmentWithAdditionToNetWorth" xlink:href="foa-20260630.xsd#foa_PercentageFarCommitmentWithAdditionToNetWorth"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_PercentageFarCommitmentWithAdditionToNetWorth" xlink:to="lab_foa_PercentageFarCommitmentWithAdditionToNetWorth" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_MinorityInterestDecreaseFromDistributionsToNoncontrollingInterestHolders_019e2838-5555-7208-88e6-48f6963da54b_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_MinorityInterestDecreaseFromDistributionsToNoncontrollingInterestHolders" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Noncontrolling interest distributions</link:label>
    <link:label id="lab_us-gaap_MinorityInterestDecreaseFromDistributionsToNoncontrollingInterestHolders_label_en-US" xlink:label="lab_us-gaap_MinorityInterestDecreaseFromDistributionsToNoncontrollingInterestHolders" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Noncontrolling Interest, Decrease from Distributions to Noncontrolling Interest Holders</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MinorityInterestDecreaseFromDistributionsToNoncontrollingInterestHolders" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MinorityInterestDecreaseFromDistributionsToNoncontrollingInterestHolders"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_MinorityInterestDecreaseFromDistributionsToNoncontrollingInterestHolders" xlink:to="lab_us-gaap_MinorityInterestDecreaseFromDistributionsToNoncontrollingInterestHolders" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_OtherIncomeExpenseNet_019e2838-5555-7a25-acec-15035f6a9cea_totalLabel_en-US" xlink:label="lab_foa_OtherIncomeExpenseNet" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">NET OTHER INCOME (EXPENSE)</link:label>
    <link:label id="lab_foa_OtherIncomeExpenseNet_label_en-US" xlink:label="lab_foa_OtherIncomeExpenseNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Income (Expense), Net</link:label>
    <link:label id="lab_foa_OtherIncomeExpenseNet_documentation_en-US" xlink:label="lab_foa_OtherIncomeExpenseNet" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other Income (Expense), Net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_OtherIncomeExpenseNet" xlink:href="foa-20260630.xsd#foa_OtherIncomeExpenseNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_OtherIncomeExpenseNet" xlink:to="lab_foa_OtherIncomeExpenseNet" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_RecoveryOfErrCompDisclosureLineItems_label_en-US" xlink:label="lab_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Recovery of Erroneously Awarded Compensation Disclosure [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_RecoveryOfErrCompDisclosureLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="lab_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CommonStockSharesIssued_019e2838-54b4-7de0-b27c-4d30c27ee20f_terseLabel_en-US" xlink:label="lab_us-gaap_CommonStockSharesIssued" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Common stock, issued (in shares)</link:label>
    <link:label id="lab_us-gaap_CommonStockSharesIssued_019e2838-54b4-7c68-b838-4bfe5644e3e6_periodStartLabel_en-US" xlink:label="lab_us-gaap_CommonStockSharesIssued" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Beginning balance (in shares)</link:label>
    <link:label id="lab_us-gaap_CommonStockSharesIssued_019e2838-54b4-7f22-b51a-fe2af096c160_periodEndLabel_en-US" xlink:label="lab_us-gaap_CommonStockSharesIssued" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Ending balance (in shares)</link:label>
    <link:label id="lab_us-gaap_CommonStockSharesIssued_label_en-US" xlink:label="lab_us-gaap_CommonStockSharesIssued" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Stock, Shares, Issued</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesIssued" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonStockSharesIssued"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommonStockSharesIssued" xlink:to="lab_us-gaap_CommonStockSharesIssued" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_MeasureAxis_terseLabel_en-US" xlink:label="lab_ecd_MeasureAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Measure:</link:label>
    <link:label id="lab_ecd_MeasureAxis_label_en-US" xlink:label="lab_ecd_MeasureAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Measure [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_MeasureAxis" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_MeasureAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_MeasureAxis" xlink:to="lab_ecd_MeasureAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_019e2838-5556-7bb9-939a-08e6ce750ef0_periodStartLabel_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Beginning balance</link:label>
    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_019e2838-5556-7b6d-a2d2-69d80ec57e4e_periodEndLabel_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Ending balance</link:label>
    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_label_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" xlink:to="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfVariableInterestEntitiesTextBlock_019e2838-5555-701a-9f2f-1f598b2ce4a1_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfVariableInterestEntitiesTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Variable Interest Entities</link:label>
    <link:label id="lab_us-gaap_ScheduleOfVariableInterestEntitiesTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfVariableInterestEntitiesTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Variable Interest Entities [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfVariableInterestEntitiesTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfVariableInterestEntitiesTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfVariableInterestEntitiesTextBlock" xlink:to="lab_us-gaap_ScheduleOfVariableInterestEntitiesTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityInformationLineItems_019e2838-5555-7a4d-a712-70f2d4dae311_terseLabel_en-US" xlink:label="lab_dei_EntityInformationLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Information [Line Items]</link:label>
    <link:label id="lab_dei_EntityInformationLineItems_label_en-US" xlink:label="lab_dei_EntityInformationLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Information [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityInformationLineItems" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityInformationLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityInformationLineItems" xlink:to="lab_dei_EntityInformationLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherAssetsDisclosureTextBlock_019e2838-53e6-76a4-8a5e-96a298f31f80_terseLabel_en-US" xlink:label="lab_us-gaap_OtherAssetsDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other Assets, Net</link:label>
    <link:label id="lab_us-gaap_OtherAssetsDisclosureTextBlock_label_en-US" xlink:label="lab_us-gaap_OtherAssetsDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Assets Disclosure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssetsDisclosureTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherAssetsDisclosureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherAssetsDisclosureTextBlock" xlink:to="lab_us-gaap_OtherAssetsDisclosureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_PaymentsOnNonrecourseDebt_019e2838-53e6-7591-b68a-8b04bdf75401_negatedTerseLabel_en-US" xlink:label="lab_foa_PaymentsOnNonrecourseDebt" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Payments on nonrecourse debt</link:label>
    <link:label id="lab_foa_PaymentsOnNonrecourseDebt_label_en-US" xlink:label="lab_foa_PaymentsOnNonrecourseDebt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payments On Nonrecourse Debt</link:label>
    <link:label id="lab_foa_PaymentsOnNonrecourseDebt_documentation_en-US" xlink:label="lab_foa_PaymentsOnNonrecourseDebt" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Payments on nonrecourse debt.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_PaymentsOnNonrecourseDebt" xlink:href="foa-20260630.xsd#foa_PaymentsOnNonrecourseDebt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_PaymentsOnNonrecourseDebt" xlink:to="lab_foa_PaymentsOnNonrecourseDebt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PaymentsToAcquireLoansAndLeasesHeldForInvestment_019e2838-5556-7b6d-971a-4dd6afcdd9cf_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_PaymentsToAcquireLoansAndLeasesHeldForInvestment" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Purchases and originations of loans held for investment</link:label>
    <link:label id="lab_us-gaap_PaymentsToAcquireLoansAndLeasesHeldForInvestment_label_en-US" xlink:label="lab_us-gaap_PaymentsToAcquireLoansAndLeasesHeldForInvestment" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payment for Acquisition, Loan and Lease, Held-for-Investment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireLoansAndLeasesHeldForInvestment" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsToAcquireLoansAndLeasesHeldForInvestment"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PaymentsToAcquireLoansAndLeasesHeldForInvestment" xlink:to="lab_us-gaap_PaymentsToAcquireLoansAndLeasesHeldForInvestment" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_NonrecourseDebtAssumed_019e2838-5555-7c52-bfd9-755bed59872d_terseLabel_en-US" xlink:label="lab_foa_NonrecourseDebtAssumed" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-cash financing activities: Nonrecourse debt assumed</link:label>
    <link:label id="lab_foa_NonrecourseDebtAssumed_label_en-US" xlink:label="lab_foa_NonrecourseDebtAssumed" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Nonrecourse Debt Assumed</link:label>
    <link:label id="lab_foa_NonrecourseDebtAssumed_documentation_en-US" xlink:label="lab_foa_NonrecourseDebtAssumed" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Nonrecourse Debt Assumed</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_NonrecourseDebtAssumed" xlink:href="foa-20260630.xsd#foa_NonrecourseDebtAssumed"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_NonrecourseDebtAssumed" xlink:to="lab_foa_NonrecourseDebtAssumed" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_MeasurementInputLossFrequencyMember_019e2838-54b4-78f3-9624-d03da1fefcc3_terseLabel_en-US" xlink:label="lab_foa_MeasurementInputLossFrequencyMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loss frequency</link:label>
    <link:label id="lab_foa_MeasurementInputLossFrequencyMember_label_en-US" xlink:label="lab_foa_MeasurementInputLossFrequencyMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Measurement Input, Loss Frequency [Member]</link:label>
    <link:label id="lab_foa_MeasurementInputLossFrequencyMember_documentation_en-US" xlink:label="lab_foa_MeasurementInputLossFrequencyMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Measurement Input, Loss Frequency</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_MeasurementInputLossFrequencyMember" xlink:href="foa-20260630.xsd#foa_MeasurementInputLossFrequencyMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_MeasurementInputLossFrequencyMember" xlink:to="lab_foa_MeasurementInputLossFrequencyMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_019e2838-54b4-7bfc-8528-80c1b8ae35bf_terseLabel_en-US" xlink:label="lab_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Adjustments to reconcile net income to net cash used in operating activities</link:label>
    <link:label id="lab_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_label_en-US" xlink:label="lab_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Adjustment to Reconcile Net Income to Cash Provided by (Used in) Operating Activity</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities" xlink:to="lab_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StatementEquityComponentsAxis_019e2838-5555-7fd6-85de-5ce246fa467e_terseLabel_en-US" xlink:label="lab_us-gaap_StatementEquityComponentsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity Components [Axis]</link:label>
    <link:label id="lab_us-gaap_StatementEquityComponentsAxis_label_en-US" xlink:label="lab_us-gaap_StatementEquityComponentsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity Components [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementEquityComponentsAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementEquityComponentsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StatementEquityComponentsAxis" xlink:to="lab_us-gaap_StatementEquityComponentsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RelatedPartyMember_019e2838-54b4-7540-95b3-e1968c118a9c_terseLabel_en-US" xlink:label="lab_us-gaap_RelatedPartyMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Related Party</link:label>
    <link:label id="lab_us-gaap_RelatedPartyMember_label_en-US" xlink:label="lab_us-gaap_RelatedPartyMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Related Party [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyMember" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RelatedPartyMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RelatedPartyMember" xlink:to="lab_us-gaap_RelatedPartyMember" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_ReverseMortgageLoansPledgedAsCollateralFinancingLinesOfCreditMember_019e2838-5556-7825-8d25-c20437cf9ebe_terseLabel_en-US" xlink:label="lab_foa_ReverseMortgageLoansPledgedAsCollateralFinancingLinesOfCreditMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pledged As Collateral, Financing Lines Of Credit</link:label>
    <link:label id="lab_foa_ReverseMortgageLoansPledgedAsCollateralFinancingLinesOfCreditMember_label_en-US" xlink:label="lab_foa_ReverseMortgageLoansPledgedAsCollateralFinancingLinesOfCreditMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reverse Mortgage Loans, Pledged As Collateral, Financing Lines Of Credit [Member]</link:label>
    <link:label id="lab_foa_ReverseMortgageLoansPledgedAsCollateralFinancingLinesOfCreditMember_documentation_en-US" xlink:label="lab_foa_ReverseMortgageLoansPledgedAsCollateralFinancingLinesOfCreditMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Reverse Mortgage Loans, Pledged As Collateral, Financing Lines Of Credit</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_ReverseMortgageLoansPledgedAsCollateralFinancingLinesOfCreditMember" xlink:href="foa-20260630.xsd#foa_ReverseMortgageLoansPledgedAsCollateralFinancingLinesOfCreditMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_ReverseMortgageLoansPledgedAsCollateralFinancingLinesOfCreditMember" xlink:to="lab_foa_ReverseMortgageLoansPledgedAsCollateralFinancingLinesOfCreditMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AssetAcquisitionTableTextBlock_019f93a1-c72e-7951-b5f3-9a8b6d676abc_terseLabel_en-US" xlink:label="lab_us-gaap_AssetAcquisitionTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Allocation Of Purchase Consideration Of Assets Acquired And Liabilities Assumed</link:label>
    <link:label id="lab_us-gaap_AssetAcquisitionTableTextBlock_label_en-US" xlink:label="lab_us-gaap_AssetAcquisitionTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Asset Acquisition [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetAcquisitionTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AssetAcquisitionTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AssetAcquisitionTableTextBlock" xlink:to="lab_us-gaap_AssetAcquisitionTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CommonClassAMember_019e2838-5556-7107-abc3-12df4af0485a_verboseLabel_en-US" xlink:label="lab_us-gaap_CommonClassAMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Class A Common Stock</link:label>
    <link:label id="lab_us-gaap_CommonClassAMember_019e2838-5556-723f-a529-09591865e9d2_terseLabel_en-US" xlink:label="lab_us-gaap_CommonClassAMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Common Stock</link:label>
    <link:label id="lab_us-gaap_CommonClassAMember_label_en-US" xlink:label="lab_us-gaap_CommonClassAMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Class A [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonClassAMember" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonClassAMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommonClassAMember" xlink:to="lab_us-gaap_CommonClassAMember" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityInteractiveDataCurrent_019e2838-5555-7ec5-bd3c-0337d83e35b6_terseLabel_en-US" xlink:label="lab_dei_EntityInteractiveDataCurrent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Interactive Data Current</link:label>
    <link:label id="lab_dei_EntityInteractiveDataCurrent_label_en-US" xlink:label="lab_dei_EntityInteractiveDataCurrent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Interactive Data Current</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityInteractiveDataCurrent" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityInteractiveDataCurrent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityInteractiveDataCurrent" xlink:to="lab_dei_EntityInteractiveDataCurrent" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DeferredCostsCapitalizedPrepaidAndOtherAssetsDisclosureAbstract_label_en-US" xlink:label="lab_us-gaap_DeferredCostsCapitalizedPrepaidAndOtherAssetsDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Costs, Capitalized, Prepaid, and Other Assets Disclosure [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredCostsCapitalizedPrepaidAndOtherAssetsDisclosureAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DeferredCostsCapitalizedPrepaidAndOtherAssetsDisclosureAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredCostsCapitalizedPrepaidAndOtherAssetsDisclosureAbstract" xlink:to="lab_us-gaap_DeferredCostsCapitalizedPrepaidAndOtherAssetsDisclosureAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_VariableInterestEntityLineItems_019e2838-5555-72d1-b0ba-46906f43ec6c_terseLabel_en-US" xlink:label="lab_us-gaap_VariableInterestEntityLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Variable Interest Entity [Line Items]</link:label>
    <link:label id="lab_us-gaap_VariableInterestEntityLineItems_label_en-US" xlink:label="lab_us-gaap_VariableInterestEntityLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variable Interest Entity [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_VariableInterestEntityLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_VariableInterestEntityLineItems" xlink:to="lab_us-gaap_VariableInterestEntityLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_CompActuallyPaidVsOtherMeasureTextBlock_terseLabel_en-US" xlink:label="lab_ecd_CompActuallyPaidVsOtherMeasureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Compensation Actually Paid vs. Other Measure</link:label>
    <link:label id="lab_ecd_CompActuallyPaidVsOtherMeasureTextBlock_label_en-US" xlink:label="lab_ecd_CompActuallyPaidVsOtherMeasureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Compensation Actually Paid vs. Other Measure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CompActuallyPaidVsOtherMeasureTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_CompActuallyPaidVsOtherMeasureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_CompActuallyPaidVsOtherMeasureTextBlock" xlink:to="lab_ecd_CompActuallyPaidVsOtherMeasureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntitySmallBusiness_019e2838-54b4-72fb-9811-aaec33ab980e_terseLabel_en-US" xlink:label="lab_dei_EntitySmallBusiness" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Small Business</link:label>
    <link:label id="lab_dei_EntitySmallBusiness_label_en-US" xlink:label="lab_dei_EntitySmallBusiness" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Small Business</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntitySmallBusiness" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntitySmallBusiness"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntitySmallBusiness" xlink:to="lab_dei_EntitySmallBusiness" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_HomeEquityConversionMortgageBackedSecurityDebtWeightedAverageInterestRate_019e2838-54b4-7f26-9176-4c795b1892e8_terseLabel_en-US" xlink:label="lab_foa_HomeEquityConversionMortgageBackedSecurityDebtWeightedAverageInterestRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Weighted average interest rate (in percent)</link:label>
    <link:label id="lab_foa_HomeEquityConversionMortgageBackedSecurityDebtWeightedAverageInterestRate_label_en-US" xlink:label="lab_foa_HomeEquityConversionMortgageBackedSecurityDebtWeightedAverageInterestRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Home Equity Conversion Mortgage Backed Security Debt Weighted Average Interest Rate</link:label>
    <link:label id="lab_foa_HomeEquityConversionMortgageBackedSecurityDebtWeightedAverageInterestRate_documentation_en-US" xlink:label="lab_foa_HomeEquityConversionMortgageBackedSecurityDebtWeightedAverageInterestRate" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Home equity conversion mortgage backed security debt weighted average interest rate.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_HomeEquityConversionMortgageBackedSecurityDebtWeightedAverageInterestRate" xlink:href="foa-20260630.xsd#foa_HomeEquityConversionMortgageBackedSecurityDebtWeightedAverageInterestRate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_HomeEquityConversionMortgageBackedSecurityDebtWeightedAverageInterestRate" xlink:to="lab_foa_HomeEquityConversionMortgageBackedSecurityDebtWeightedAverageInterestRate" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ComprehensiveIncomeNetOfTax_019e2838-54b4-706f-b731-5b92b936e07f_totalLabel_en-US" xlink:label="lab_us-gaap_ComprehensiveIncomeNetOfTax" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">COMPREHENSIVE INCOME ATTRIBUTABLE TO CONTROLLING INTEREST</link:label>
    <link:label id="lab_us-gaap_ComprehensiveIncomeNetOfTax_label_en-US" xlink:label="lab_us-gaap_ComprehensiveIncomeNetOfTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Comprehensive Income (Loss), Net of Tax, Attributable to Parent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTax" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ComprehensiveIncomeNetOfTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTax" xlink:to="lab_us-gaap_ComprehensiveIncomeNetOfTax" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_PercentageRangeDomain_019e2838-53e6-768d-a4b2-2cc2d2852c6e_terseLabel_en-US" xlink:label="lab_foa_PercentageRangeDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">PercentageRange [Domain]</link:label>
    <link:label id="lab_foa_PercentageRangeDomain_label_en-US" xlink:label="lab_foa_PercentageRangeDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">PercentageRange [Domain]</link:label>
    <link:label id="lab_foa_PercentageRangeDomain_documentation_en-US" xlink:label="lab_foa_PercentageRangeDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">PercentageRange [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_PercentageRangeDomain" xlink:href="foa-20260630.xsd#foa_PercentageRangeDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_PercentageRangeDomain" xlink:to="lab_foa_PercentageRangeDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_ConversionOfLimitedLiabilityCompanyUnitsForCommonStockShares_019e2838-54b4-7a53-920c-ebf16596c9ea_terseLabel_en-US" xlink:label="lab_foa_ConversionOfLimitedLiabilityCompanyUnitsForCommonStockShares" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Conversion of Class A LLC Units for Class A Common Stock pursuant to the Exchange Agreement) (in shares)</link:label>
    <link:label id="lab_foa_ConversionOfLimitedLiabilityCompanyUnitsForCommonStockShares_label_en-US" xlink:label="lab_foa_ConversionOfLimitedLiabilityCompanyUnitsForCommonStockShares" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Conversion Of Limited Liability Company Units For Common Stock, Shares</link:label>
    <link:label id="lab_foa_ConversionOfLimitedLiabilityCompanyUnitsForCommonStockShares_documentation_en-US" xlink:label="lab_foa_ConversionOfLimitedLiabilityCompanyUnitsForCommonStockShares" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Conversion of limited liability company units for common stock shares.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_ConversionOfLimitedLiabilityCompanyUnitsForCommonStockShares" xlink:href="foa-20260630.xsd#foa_ConversionOfLimitedLiabilityCompanyUnitsForCommonStockShares"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_ConversionOfLimitedLiabilityCompanyUnitsForCommonStockShares" xlink:to="lab_foa_ConversionOfLimitedLiabilityCompanyUnitsForCommonStockShares" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_MarketingAndAdvertisingExpense_019e2838-53e6-7c34-bf58-b21ac32b3962_terseLabel_en-US" xlink:label="lab_us-gaap_MarketingAndAdvertisingExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Marketing and advertising expenses</link:label>
    <link:label id="lab_us-gaap_MarketingAndAdvertisingExpense_019e2838-53e6-7648-81f6-2673205daf40_verboseLabel_en-US" xlink:label="lab_us-gaap_MarketingAndAdvertisingExpense" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Marketing and advertising expenses</link:label>
    <link:label id="lab_us-gaap_MarketingAndAdvertisingExpense_label_en-US" xlink:label="lab_us-gaap_MarketingAndAdvertisingExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Marketing and Advertising Expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MarketingAndAdvertisingExpense" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MarketingAndAdvertisingExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_MarketingAndAdvertisingExpense" xlink:to="lab_us-gaap_MarketingAndAdvertisingExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_TrdArrTerminationDate_terseLabel_en-US" xlink:label="lab_ecd_TrdArrTerminationDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Termination Date</link:label>
    <link:label id="lab_ecd_TrdArrTerminationDate_label_en-US" xlink:label="lab_ecd_TrdArrTerminationDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trading Arrangement Termination Date</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrTerminationDate" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_TrdArrTerminationDate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_TrdArrTerminationDate" xlink:to="lab_ecd_TrdArrTerminationDate" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SharesPaidForTaxWithholdingForShareBasedCompensation_019e2838-53e6-7d44-9916-c2b334e9b0fa_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_SharesPaidForTaxWithholdingForShareBasedCompensation" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Cancellation of shares to fund employee tax withholdings (in shares)</link:label>
    <link:label id="lab_us-gaap_SharesPaidForTaxWithholdingForShareBasedCompensation_label_en-US" xlink:label="lab_us-gaap_SharesPaidForTaxWithholdingForShareBasedCompensation" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Payment Arrangement, Shares Withheld for Tax Withholding Obligation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharesPaidForTaxWithholdingForShareBasedCompensation" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SharesPaidForTaxWithholdingForShareBasedCompensation"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SharesPaidForTaxWithholdingForShareBasedCompensation" xlink:to="lab_us-gaap_SharesPaidForTaxWithholdingForShareBasedCompensation" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_SummaryOfNonrecousreDebtAtFairValueTableTextBlock_019e2838-53e6-738a-8ea8-a26cda9c98c3_terseLabel_en-US" xlink:label="lab_foa_SummaryOfNonrecousreDebtAtFairValueTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Nonrecourse Debt at Fair Value</link:label>
    <link:label id="lab_foa_SummaryOfNonrecousreDebtAtFairValueTableTextBlock_label_en-US" xlink:label="lab_foa_SummaryOfNonrecousreDebtAtFairValueTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Summary of Nonrecousre Debt at Fair Value [Table Text Block]</link:label>
    <link:label id="lab_foa_SummaryOfNonrecousreDebtAtFairValueTableTextBlock_documentation_en-US" xlink:label="lab_foa_SummaryOfNonrecousreDebtAtFairValueTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Summary of nonrecousre debt at fair value.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_SummaryOfNonrecousreDebtAtFairValueTableTextBlock" xlink:href="foa-20260630.xsd#foa_SummaryOfNonrecousreDebtAtFairValueTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_SummaryOfNonrecousreDebtAtFairValueTableTextBlock" xlink:to="lab_foa_SummaryOfNonrecousreDebtAtFairValueTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SubsequentEventsAbstract_label_en-US" xlink:label="lab_us-gaap_SubsequentEventsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subsequent Events [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SubsequentEventsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SubsequentEventsAbstract" xlink:to="lab_us-gaap_SubsequentEventsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToReportingEntity_019e2838-54b4-7515-9205-b4263dc80d1e_totalLabel_en-US" xlink:label="lab_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToReportingEntity" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">NET LOSS FROM DISCONTINUED OPERATIONS ATTRIBUTABLE TO CONTROLLING INTEREST</link:label>
    <link:label id="lab_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToReportingEntity_label_en-US" xlink:label="lab_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToReportingEntity" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income (Loss) from Discontinued Operations, Net of Tax, Attributable to Parent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToReportingEntity" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToReportingEntity"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToReportingEntity" xlink:to="lab_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToReportingEntity" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_HMBSRelatedObligationAtFairValue_019e2838-5556-74dd-b63c-f8f633caac91_terseLabel_en-US" xlink:label="lab_foa_HMBSRelatedObligationAtFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">HMBS related obligations, at fair value</link:label>
    <link:label id="lab_foa_HMBSRelatedObligationAtFairValue_label_en-US" xlink:label="lab_foa_HMBSRelatedObligationAtFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">HMBS Related Obligation, At Fair Value</link:label>
    <link:label id="lab_foa_HMBSRelatedObligationAtFairValue_documentation_en-US" xlink:label="lab_foa_HMBSRelatedObligationAtFairValue" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">HMBS related obligation, at fair value.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_HMBSRelatedObligationAtFairValue" xlink:href="foa-20260630.xsd#foa_HMBSRelatedObligationAtFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_HMBSRelatedObligationAtFairValue" xlink:to="lab_foa_HMBSRelatedObligationAtFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019e2838-54b4-7eea-8026-04cd4739cf85_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value, Recurring and Nonrecurring [Table]</link:label>
    <link:label id="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_label_en-US" xlink:label="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Recurring and Nonrecurring [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:to="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock_terseLabel_en-US" xlink:label="lab_ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Compensation Actually Paid vs. Total Shareholder Return</link:label>
    <link:label id="lab_ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock_label_en-US" xlink:label="lab_ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Compensation Actually Paid vs. Total Shareholder Return [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock" xlink:to="lab_ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestIncomeExpenseNet_019e2838-54b4-7d34-a697-94787a2ccdf4_totalLabel_en-US" xlink:label="lab_us-gaap_InterestIncomeExpenseNet" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">NET PORTFOLIO INTEREST INCOME</link:label>
    <link:label id="lab_us-gaap_InterestIncomeExpenseNet_label_en-US" xlink:label="lab_us-gaap_InterestIncomeExpenseNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Income (Expense), Operating</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseNet" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestIncomeExpenseNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestIncomeExpenseNet" xlink:to="lab_us-gaap_InterestIncomeExpenseNet" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_MnpiDiscTimedForCompValFlag_terseLabel_en-US" xlink:label="lab_ecd_MnpiDiscTimedForCompValFlag" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">MNPI Disclosure Timed for Compensation Value</link:label>
    <link:label id="lab_ecd_MnpiDiscTimedForCompValFlag_label_en-US" xlink:label="lab_ecd_MnpiDiscTimedForCompValFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">MNPI Disclosure Timed for Compensation Value [Flag]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_MnpiDiscTimedForCompValFlag" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_MnpiDiscTimedForCompValFlag"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_MnpiDiscTimedForCompValFlag" xlink:to="lab_ecd_MnpiDiscTimedForCompValFlag" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_NonRecourseDebtMember_019e2838-54b4-7321-8a64-4271904b198e_terseLabel_en-US" xlink:label="lab_foa_NonRecourseDebtMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Nonrecourse debt</link:label>
    <link:label id="lab_foa_NonRecourseDebtMember_label_en-US" xlink:label="lab_foa_NonRecourseDebtMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non Recourse Debt [Member]</link:label>
    <link:label id="lab_foa_NonRecourseDebtMember_documentation_en-US" xlink:label="lab_foa_NonRecourseDebtMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Non recourse debt.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_NonRecourseDebtMember" xlink:href="foa-20260630.xsd#foa_NonRecourseDebtMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_NonRecourseDebtMember" xlink:to="lab_foa_NonRecourseDebtMember" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_LoansHeldForInvestmentSubjectToHMBSRelatedObligationsMember_019e2838-5555-7e60-9fb0-05dc95f7bb2e_terseLabel_en-US" xlink:label="lab_foa_LoansHeldForInvestmentSubjectToHMBSRelatedObligationsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans held for investment, subject to HMBS related obligations</link:label>
    <link:label id="lab_foa_LoansHeldForInvestmentSubjectToHMBSRelatedObligationsMember_label_en-US" xlink:label="lab_foa_LoansHeldForInvestmentSubjectToHMBSRelatedObligationsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans Held-For-Investment, Subject to HMBS Related Obligations [Member]</link:label>
    <link:label id="lab_foa_LoansHeldForInvestmentSubjectToHMBSRelatedObligationsMember_documentation_en-US" xlink:label="lab_foa_LoansHeldForInvestmentSubjectToHMBSRelatedObligationsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans Held for Investment, Subject to HMBS Related Obligations [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_LoansHeldForInvestmentSubjectToHMBSRelatedObligationsMember" xlink:href="foa-20260630.xsd#foa_LoansHeldForInvestmentSubjectToHMBSRelatedObligationsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_LoansHeldForInvestmentSubjectToHMBSRelatedObligationsMember" xlink:to="lab_foa_LoansHeldForInvestmentSubjectToHMBSRelatedObligationsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_DebtInstrumentCovenantDescriptionAdjustmentAxis_019e2838-54b4-781d-9ccc-81b14508eed1_terseLabel_en-US" xlink:label="lab_foa_DebtInstrumentCovenantDescriptionAdjustmentAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt Instrument Covenant Description Adjustment [Axis]</link:label>
    <link:label id="lab_foa_DebtInstrumentCovenantDescriptionAdjustmentAxis_label_en-US" xlink:label="lab_foa_DebtInstrumentCovenantDescriptionAdjustmentAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument Covenant Description Adjustment [Axis]</link:label>
    <link:label id="lab_foa_DebtInstrumentCovenantDescriptionAdjustmentAxis_documentation_en-US" xlink:label="lab_foa_DebtInstrumentCovenantDescriptionAdjustmentAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Debt instrument covenant description adjustment.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_DebtInstrumentCovenantDescriptionAdjustmentAxis" xlink:href="foa-20260630.xsd#foa_DebtInstrumentCovenantDescriptionAdjustmentAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_DebtInstrumentCovenantDescriptionAdjustmentAxis" xlink:to="lab_foa_DebtInstrumentCovenantDescriptionAdjustmentAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentType_019e2838-54b4-7f9c-8c04-ca092eb12c54_terseLabel_en-US" xlink:label="lab_dei_DocumentType" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Document Type</link:label>
    <link:label id="lab_dei_DocumentType_label_en-US" xlink:label="lab_dei_DocumentType" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Type</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentType" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_DocumentType"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentType" xlink:to="lab_dei_DocumentType" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersNet_019e2838-53e6-7b5c-9fcb-cd1db290892c_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Transfers in (out) between categories</link:label>
    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersNet_label_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Transfers, Net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersNet" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersNet" xlink:to="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersNet" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019e2838-5556-7606-84db-cec3d0b3777e_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</link:label>
    <link:label id="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_label_en-US" xlink:label="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:to="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_GainsLossesOnExtinguishmentOfDebt_019e2838-5555-71e3-bdb9-65b6166be78b_terseLabel_en-US" xlink:label="lab_us-gaap_GainsLossesOnExtinguishmentOfDebt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gain on the exchange of our senior notes (Note - Notes Payable)</link:label>
    <link:label id="lab_us-gaap_GainsLossesOnExtinguishmentOfDebt_label_en-US" xlink:label="lab_us-gaap_GainsLossesOnExtinguishmentOfDebt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gain (Loss) on Extinguishment of Debt</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainsLossesOnExtinguishmentOfDebt" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_GainsLossesOnExtinguishmentOfDebt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_GainsLossesOnExtinguishmentOfDebt" xlink:to="lab_us-gaap_GainsLossesOnExtinguishmentOfDebt" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AwardGrantDateFairValue_terseLabel_en-US" xlink:label="lab_ecd_AwardGrantDateFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value as of Grant Date</link:label>
    <link:label id="lab_ecd_AwardGrantDateFairValue_label_en-US" xlink:label="lab_ecd_AwardGrantDateFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Award Grant Date Fair Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardGrantDateFairValue" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AwardGrantDateFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AwardGrantDateFairValue" xlink:to="lab_ecd_AwardGrantDateFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_OMCTransactionMember_019ef8d1-bc11-7dc3-b9e8-abfc124c91a9_terseLabel_en-US" xlink:label="lab_foa_OMCTransactionMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">OMC Transaction</link:label>
    <link:label id="lab_foa_OMCTransactionMember_label_en-US" xlink:label="lab_foa_OMCTransactionMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">OMC Transaction [Member]</link:label>
    <link:label id="lab_foa_OMCTransactionMember_documentation_en-US" xlink:label="lab_foa_OMCTransactionMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">OMC Transaction</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_OMCTransactionMember" xlink:href="foa-20260630.xsd#foa_OMCTransactionMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_OMCTransactionMember" xlink:to="lab_foa_OMCTransactionMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StatementOperatingActivitiesSegmentAxis_019e2838-54b4-7688-9c09-83d0f571a6fa_terseLabel_en-US" xlink:label="lab_us-gaap_StatementOperatingActivitiesSegmentAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Operating Activities [Axis]</link:label>
    <link:label id="lab_us-gaap_StatementOperatingActivitiesSegmentAxis_label_en-US" xlink:label="lab_us-gaap_StatementOperatingActivitiesSegmentAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Operating Activities [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOperatingActivitiesSegmentAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementOperatingActivitiesSegmentAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StatementOperatingActivitiesSegmentAxis" xlink:to="lab_us-gaap_StatementOperatingActivitiesSegmentAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SignificantAccountingPoliciesTextBlock_019e2838-54b4-77c4-8956-0a03a90c8d0e_terseLabel_en-US" xlink:label="lab_us-gaap_SignificantAccountingPoliciesTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Summary of Significant Accounting Policies</link:label>
    <link:label id="lab_us-gaap_SignificantAccountingPoliciesTextBlock_label_en-US" xlink:label="lab_us-gaap_SignificantAccountingPoliciesTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Significant Accounting Policies [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SignificantAccountingPoliciesTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SignificantAccountingPoliciesTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SignificantAccountingPoliciesTextBlock" xlink:to="lab_us-gaap_SignificantAccountingPoliciesTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_FairValueOptionLiabilitiesNonrecourseDebtUnpaidPrincipalBalance_019e2838-5555-71cf-b329-d19437edf3af_terseLabel_en-US" xlink:label="lab_foa_FairValueOptionLiabilitiesNonrecourseDebtUnpaidPrincipalBalance" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Nonrecourse debt, UPB</link:label>
    <link:label id="lab_foa_FairValueOptionLiabilitiesNonrecourseDebtUnpaidPrincipalBalance_label_en-US" xlink:label="lab_foa_FairValueOptionLiabilitiesNonrecourseDebtUnpaidPrincipalBalance" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Option, Liabilities, Nonrecourse Debt, Unpaid Principal Balance</link:label>
    <link:label id="lab_foa_FairValueOptionLiabilitiesNonrecourseDebtUnpaidPrincipalBalance_documentation_en-US" xlink:label="lab_foa_FairValueOptionLiabilitiesNonrecourseDebtUnpaidPrincipalBalance" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Fair Value, Option, Liabilities, Nonrecourse Debt, Unpaid Principal Balance</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_FairValueOptionLiabilitiesNonrecourseDebtUnpaidPrincipalBalance" xlink:href="foa-20260630.xsd#foa_FairValueOptionLiabilitiesNonrecourseDebtUnpaidPrincipalBalance"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_FairValueOptionLiabilitiesNonrecourseDebtUnpaidPrincipalBalance" xlink:to="lab_foa_FairValueOptionLiabilitiesNonrecourseDebtUnpaidPrincipalBalance" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_PvpTableTextBlock_terseLabel_en-US" xlink:label="lab_ecd_PvpTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pay vs Performance Disclosure, Table</link:label>
    <link:label id="lab_ecd_PvpTableTextBlock_label_en-US" xlink:label="lab_ecd_PvpTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Pay vs Performance [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PvpTableTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_PvpTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_PvpTableTextBlock" xlink:to="lab_ecd_PvpTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_TrdArrDuration_terseLabel_en-US" xlink:label="lab_ecd_TrdArrDuration" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Arrangement Duration</link:label>
    <link:label id="lab_ecd_TrdArrDuration_label_en-US" xlink:label="lab_ecd_TrdArrDuration" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trading Arrangement Duration</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrDuration" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_TrdArrDuration"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_TrdArrDuration" xlink:to="lab_ecd_TrdArrDuration" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SubsequentEventLineItems_019e2838-53e6-75e9-8e4e-f5156b2f2f27_terseLabel_en-US" xlink:label="lab_us-gaap_SubsequentEventLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subsequent Event [Line Items]</link:label>
    <link:label id="lab_us-gaap_SubsequentEventLineItems_label_en-US" xlink:label="lab_us-gaap_SubsequentEventLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subsequent Event [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SubsequentEventLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SubsequentEventLineItems" xlink:to="lab_us-gaap_SubsequentEventLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_LiquidityAndCapitalRequirementsLineItems_019e2838-53e6-78dd-9310-d94494688e7b_terseLabel_en-US" xlink:label="lab_foa_LiquidityAndCapitalRequirementsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Liquidity And Capital Requirements [Line Items]</link:label>
    <link:label id="lab_foa_LiquidityAndCapitalRequirementsLineItems_label_en-US" xlink:label="lab_foa_LiquidityAndCapitalRequirementsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liquidity And Capital Requirements [Line Items]</link:label>
    <link:label id="lab_foa_LiquidityAndCapitalRequirementsLineItems_documentation_en-US" xlink:label="lab_foa_LiquidityAndCapitalRequirementsLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Liquidity And Capital Requirements [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_LiquidityAndCapitalRequirementsLineItems" xlink:href="foa-20260630.xsd#foa_LiquidityAndCapitalRequirementsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_LiquidityAndCapitalRequirementsLineItems" xlink:to="lab_foa_LiquidityAndCapitalRequirementsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StatementOfStockholdersEquityAbstract_label_en-US" xlink:label="lab_us-gaap_StatementOfStockholdersEquityAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statement of Stockholders' Equity [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfStockholdersEquityAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementOfStockholdersEquityAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StatementOfStockholdersEquityAbstract" xlink:to="lab_us-gaap_StatementOfStockholdersEquityAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_LocalPhoneNumber_019e2838-5555-7c5c-812d-35cabdd9c5f6_terseLabel_en-US" xlink:label="lab_dei_LocalPhoneNumber" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Local Phone Number</link:label>
    <link:label id="lab_dei_LocalPhoneNumber_label_en-US" xlink:label="lab_dei_LocalPhoneNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Local Phone Number</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LocalPhoneNumber" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_LocalPhoneNumber"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_LocalPhoneNumber" xlink:to="lab_dei_LocalPhoneNumber" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_ConsolidationItemsAxis_019e2838-53e6-773b-8bcf-2c59d95ec0df_terseLabel_en-US" xlink:label="lab_srt_ConsolidationItemsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Consolidation Items [Axis]</link:label>
    <link:label id="lab_srt_ConsolidationItemsAxis_label_en-US" xlink:label="lab_srt_ConsolidationItemsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Consolidation Items [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidationItemsAxis" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_ConsolidationItemsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_ConsolidationItemsAxis" xlink:to="lab_srt_ConsolidationItemsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityAddressPostalZipCode_019e2838-54b4-7fa4-8b56-0ca1dedd20b3_terseLabel_en-US" xlink:label="lab_dei_EntityAddressPostalZipCode" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Address, Postal Zip Code</link:label>
    <link:label id="lab_dei_EntityAddressPostalZipCode_label_en-US" xlink:label="lab_dei_EntityAddressPostalZipCode" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Address, Postal Zip Code</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressPostalZipCode" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityAddressPostalZipCode"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressPostalZipCode" xlink:to="lab_dei_EntityAddressPostalZipCode" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityRegistrantName_019e2838-5556-7ef8-aacb-e65b6a05ff4e_terseLabel_en-US" xlink:label="lab_dei_EntityRegistrantName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Registrant Name</link:label>
    <link:label id="lab_dei_EntityRegistrantName_label_en-US" xlink:label="lab_dei_EntityRegistrantName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Registrant Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityRegistrantName" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityRegistrantName"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityRegistrantName" xlink:to="lab_dei_EntityRegistrantName" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NonrecourseMember_019e2838-54b4-7592-b924-a85e319d1c2b_terseLabel_en-US" xlink:label="lab_us-gaap_NonrecourseMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Nonrecourse</link:label>
    <link:label id="lab_us-gaap_NonrecourseMember_label_en-US" xlink:label="lab_us-gaap_NonrecourseMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Nonrecourse [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NonrecourseMember" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NonrecourseMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NonrecourseMember" xlink:to="lab_us-gaap_NonrecourseMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019e2838-5555-75c5-b25c-36ec564767fa_totalLabel_en-US" xlink:label="lab_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">NET INCOME (LOSS) FROM CONTINUING OPERATIONS BEFORE INCOME TAXES</link:label>
    <link:label id="lab_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_label_en-US" xlink:label="lab_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xlink:to="lab_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_InsiderTrdPoliciesProcNotAdoptedTextBlock_terseLabel_en-US" xlink:label="lab_ecd_InsiderTrdPoliciesProcNotAdoptedTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Insider Trading Policies and Procedures Not Adopted</link:label>
    <link:label id="lab_ecd_InsiderTrdPoliciesProcNotAdoptedTextBlock_label_en-US" xlink:label="lab_ecd_InsiderTrdPoliciesProcNotAdoptedTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Insider Trading Policies and Procedures Not Adopted [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_InsiderTrdPoliciesProcNotAdoptedTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_InsiderTrdPoliciesProcNotAdoptedTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_InsiderTrdPoliciesProcNotAdoptedTextBlock" xlink:to="lab_ecd_InsiderTrdPoliciesProcNotAdoptedTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedHmbsRelatedObligationsAtFairValue_019e2838-54b4-7010-af77-caca8d884e3d_terseLabel_en-US" xlink:label="lab_foa_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedHmbsRelatedObligationsAtFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">HMBS related obligations</link:label>
    <link:label id="lab_foa_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedHmbsRelatedObligationsAtFairValue_label_en-US" xlink:label="lab_foa_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedHmbsRelatedObligationsAtFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination Recognized Identifiable Assets Acquired And Liabilities Assumed HMBS Related Obligations At Fair Value</link:label>
    <link:label id="lab_foa_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedHmbsRelatedObligationsAtFairValue_documentation_en-US" xlink:label="lab_foa_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedHmbsRelatedObligationsAtFairValue" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Business combination recognized identifiable assets acquired and liabilities assumed HMBS related obligations at fair value.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedHmbsRelatedObligationsAtFairValue" xlink:href="foa-20260630.xsd#foa_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedHmbsRelatedObligationsAtFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedHmbsRelatedObligationsAtFairValue" xlink:to="lab_foa_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedHmbsRelatedObligationsAtFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CommitmentsAndContingencies_019e2838-5555-757a-8380-6727e968f1cf_terseLabel_en-US" xlink:label="lab_us-gaap_CommitmentsAndContingencies" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Commitments and Contingencies (Note 11)</link:label>
    <link:label id="lab_us-gaap_CommitmentsAndContingencies_label_en-US" xlink:label="lab_us-gaap_CommitmentsAndContingencies" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Commitments and Contingencies</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingencies" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommitmentsAndContingencies"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommitmentsAndContingencies" xlink:to="lab_us-gaap_CommitmentsAndContingencies" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_Revenues_019e2838-53e6-7a42-872a-243703f67c32_totalLabel_en-US" xlink:label="lab_us-gaap_Revenues" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">TOTAL REVENUES</link:label>
    <link:label id="lab_us-gaap_Revenues_019e2838-53e6-7d51-97f5-24adb0e83874_terseLabel_en-US" xlink:label="lab_us-gaap_Revenues" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total revenues</link:label>
    <link:label id="lab_us-gaap_Revenues_label_en-US" xlink:label="lab_us-gaap_Revenues" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Revenues</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Revenues" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Revenues"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_Revenues" xlink:to="lab_us-gaap_Revenues" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AntidilutiveSecuritiesNameDomain_019e2838-54b4-7ad9-a0e8-998152078a0f_terseLabel_en-US" xlink:label="lab_us-gaap_AntidilutiveSecuritiesNameDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Antidilutive Securities, Name [Domain]</link:label>
    <link:label id="lab_us-gaap_AntidilutiveSecuritiesNameDomain_label_en-US" xlink:label="lab_us-gaap_AntidilutiveSecuritiesNameDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Antidilutive Securities, Name [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AntidilutiveSecuritiesNameDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AntidilutiveSecuritiesNameDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AntidilutiveSecuritiesNameDomain" xlink:to="lab_us-gaap_AntidilutiveSecuritiesNameDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_ChangedPeerGroupFnTextBlock_terseLabel_en-US" xlink:label="lab_ecd_ChangedPeerGroupFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Changed Peer Group, Footnote</link:label>
    <link:label id="lab_ecd_ChangedPeerGroupFnTextBlock_label_en-US" xlink:label="lab_ecd_ChangedPeerGroupFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Changed Peer Group, Footnote [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ChangedPeerGroupFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_ChangedPeerGroupFnTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_ChangedPeerGroupFnTextBlock" xlink:to="lab_ecd_ChangedPeerGroupFnTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_LoansAndNonrecourseLiabilityMember_019e2838-53e6-7665-949e-36301a0e0585_terseLabel_en-US" xlink:label="lab_foa_LoansAndNonrecourseLiabilityMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans and nonrecourse liability</link:label>
    <link:label id="lab_foa_LoansAndNonrecourseLiabilityMember_label_en-US" xlink:label="lab_foa_LoansAndNonrecourseLiabilityMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans And Nonrecourse Liability [Member]</link:label>
    <link:label id="lab_foa_LoansAndNonrecourseLiabilityMember_documentation_en-US" xlink:label="lab_foa_LoansAndNonrecourseLiabilityMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans And Nonrecourse Liability</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_LoansAndNonrecourseLiabilityMember" xlink:href="foa-20260630.xsd#foa_LoansAndNonrecourseLiabilityMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_LoansAndNonrecourseLiabilityMember" xlink:to="lab_foa_LoansAndNonrecourseLiabilityMember" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_PaymentsOnMortgageLoansHeldForInvestmentSubjectToNonrecourseDebt_019e2838-54b4-7679-9981-370138951699_terseLabel_en-US" xlink:label="lab_foa_PaymentsOnMortgageLoansHeldForInvestmentSubjectToNonrecourseDebt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Proceeds/payments on loans held for investment, subject to nonrecourse debt</link:label>
    <link:label id="lab_foa_PaymentsOnMortgageLoansHeldForInvestmentSubjectToNonrecourseDebt_label_en-US" xlink:label="lab_foa_PaymentsOnMortgageLoansHeldForInvestmentSubjectToNonrecourseDebt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payments On Mortgage Loans Held For Investment, Subject To Nonrecourse Debt</link:label>
    <link:label id="lab_foa_PaymentsOnMortgageLoansHeldForInvestmentSubjectToNonrecourseDebt_documentation_en-US" xlink:label="lab_foa_PaymentsOnMortgageLoansHeldForInvestmentSubjectToNonrecourseDebt" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Payments on mortgage loans held for investment, subject to nonrecourse debt.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_PaymentsOnMortgageLoansHeldForInvestmentSubjectToNonrecourseDebt" xlink:href="foa-20260630.xsd#foa_PaymentsOnMortgageLoansHeldForInvestmentSubjectToNonrecourseDebt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_PaymentsOnMortgageLoansHeldForInvestmentSubjectToNonrecourseDebt" xlink:to="lab_foa_PaymentsOnMortgageLoansHeldForInvestmentSubjectToNonrecourseDebt" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt_terseLabel_en-US" xlink:label="lab_ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Forgone Recovery due to Expense of Enforcement, Amount</link:label>
    <link:label id="lab_ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt_label_en-US" xlink:label="lab_ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Forgone Recovery due to Expense of Enforcement, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt" xlink:to="lab_ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_ExecutiveCategoryAxis_terseLabel_en-US" xlink:label="lab_ecd_ExecutiveCategoryAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Executive Category:</link:label>
    <link:label id="lab_ecd_ExecutiveCategoryAxis_label_en-US" xlink:label="lab_ecd_ExecutiveCategoryAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Executive Category [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ExecutiveCategoryAxis" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_ExecutiveCategoryAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_ExecutiveCategoryAxis" xlink:to="lab_ecd_ExecutiveCategoryAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_FairValueMeasurementsWithUnobservableInputsReconciliationRecurringBasisLiabilitiesPurchasesAndAdditions_019e2838-54b4-7a92-8e2c-8c72d0a945e8_terseLabel_en-US" xlink:label="lab_foa_FairValueMeasurementsWithUnobservableInputsReconciliationRecurringBasisLiabilitiesPurchasesAndAdditions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Purchases and additions</link:label>
    <link:label id="lab_foa_FairValueMeasurementsWithUnobservableInputsReconciliationRecurringBasisLiabilitiesPurchasesAndAdditions_label_en-US" xlink:label="lab_foa_FairValueMeasurementsWithUnobservableInputsReconciliationRecurringBasisLiabilitiesPurchasesAndAdditions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Measurements With Unobservable Inputs Reconciliation Recurring Basis Liabilities Purchases And Additions</link:label>
    <link:label id="lab_foa_FairValueMeasurementsWithUnobservableInputsReconciliationRecurringBasisLiabilitiesPurchasesAndAdditions_documentation_en-US" xlink:label="lab_foa_FairValueMeasurementsWithUnobservableInputsReconciliationRecurringBasisLiabilitiesPurchasesAndAdditions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Fair value measurements with unobservable inputs reconciliation recurring basis liabilities purchases and additions.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_FairValueMeasurementsWithUnobservableInputsReconciliationRecurringBasisLiabilitiesPurchasesAndAdditions" xlink:href="foa-20260630.xsd#foa_FairValueMeasurementsWithUnobservableInputsReconciliationRecurringBasisLiabilitiesPurchasesAndAdditions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_FairValueMeasurementsWithUnobservableInputsReconciliationRecurringBasisLiabilitiesPurchasesAndAdditions" xlink:to="lab_foa_FairValueMeasurementsWithUnobservableInputsReconciliationRecurringBasisLiabilitiesPurchasesAndAdditions" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_CounterpartyNameAxis_019e2838-54b4-7b63-9b97-ddc1ca8c55a2_terseLabel_en-US" xlink:label="lab_srt_CounterpartyNameAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Counterparty Name [Axis]</link:label>
    <link:label id="lab_srt_CounterpartyNameAxis_label_en-US" xlink:label="lab_srt_CounterpartyNameAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Counterparty Name [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CounterpartyNameAxis" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_CounterpartyNameAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_CounterpartyNameAxis" xlink:to="lab_srt_CounterpartyNameAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LiabilitiesAndStockholdersEquityAbstract_019e2838-53e6-71e2-9e42-8537bca782d2_terseLabel_en-US" xlink:label="lab_us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">LIABILITIES AND EQUITY</link:label>
    <link:label id="lab_us-gaap_LiabilitiesAndStockholdersEquityAbstract_label_en-US" xlink:label="lab_us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liabilities and Equity [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilitiesAndStockholdersEquityAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:to="lab_us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">All Award Types</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Award Type [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_NonPeoNeoAvgCompActuallyPaidAmt_terseLabel_en-US" xlink:label="lab_ecd_NonPeoNeoAvgCompActuallyPaidAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-PEO NEO Average Compensation Actually Paid Amount</link:label>
    <link:label id="lab_ecd_NonPeoNeoAvgCompActuallyPaidAmt_label_en-US" xlink:label="lab_ecd_NonPeoNeoAvgCompActuallyPaidAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-PEO NEO Average Compensation Actually Paid Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonPeoNeoAvgCompActuallyPaidAmt" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_NonPeoNeoAvgCompActuallyPaidAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_NonPeoNeoAvgCompActuallyPaidAmt" xlink:to="lab_ecd_NonPeoNeoAvgCompActuallyPaidAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueOptionQuantitativeDisclosuresTable_019e2838-54b4-7007-8f8a-abdab19fdc75_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueOptionQuantitativeDisclosuresTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value Option, Disclosures [Table]</link:label>
    <link:label id="lab_us-gaap_FairValueOptionQuantitativeDisclosuresTable_label_en-US" xlink:label="lab_us-gaap_FairValueOptionQuantitativeDisclosuresTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Option, Disclosures [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOptionQuantitativeDisclosuresTable" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueOptionQuantitativeDisclosuresTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueOptionQuantitativeDisclosuresTable" xlink:to="lab_us-gaap_FairValueOptionQuantitativeDisclosuresTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueDisclosuresTextBlock_019e2838-54b4-7785-8538-d9f52d7e7837_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueDisclosuresTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value</link:label>
    <link:label id="lab_us-gaap_FairValueDisclosuresTextBlock_label_en-US" xlink:label="lab_us-gaap_FairValueDisclosuresTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Disclosures [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueDisclosuresTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueDisclosuresTextBlock" xlink:to="lab_us-gaap_FairValueDisclosuresTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_exch_XCHI_019e2838-5555-71ac-8053-851a3900f56d_terseLabel_en-US" xlink:label="lab_exch_XCHI" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">NYSE Texas, Inc.</link:label>
    <link:label id="lab_exch_XCHI_label_en-US" xlink:label="lab_exch_XCHI" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">NYSE TEXAS, INC. [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_exch_XCHI" xlink:href="https://xbrl.sec.gov/exch/2026/exch-2026.xsd#exch_XCHI"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_exch_XCHI" xlink:to="lab_exch_XCHI" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueInputsLevel3Member_019e2838-54b4-7c41-9a72-04c13733f26d_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueInputsLevel3Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Level 3</link:label>
    <link:label id="lab_us-gaap_FairValueInputsLevel3Member_label_en-US" xlink:label="lab_us-gaap_FairValueInputsLevel3Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Inputs, Level 3 [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueInputsLevel3Member" xlink:to="lab_us-gaap_FairValueInputsLevel3Member" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfVariableInterestEntitiesTable_019e2838-53e6-7407-8b31-c185083be642_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfVariableInterestEntitiesTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Variable Interest Entities [Table]</link:label>
    <link:label id="lab_us-gaap_ScheduleOfVariableInterestEntitiesTable_label_en-US" xlink:label="lab_us-gaap_ScheduleOfVariableInterestEntitiesTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variable Interest Entity [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfVariableInterestEntitiesTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable" xlink:to="lab_us-gaap_ScheduleOfVariableInterestEntitiesTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SupplementalCashFlowInformationAbstract_019e2838-53e6-75ac-8afa-81a6b6f43562_terseLabel_en-US" xlink:label="lab_us-gaap_SupplementalCashFlowInformationAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Supplementary Cash Flows Information</link:label>
    <link:label id="lab_us-gaap_SupplementalCashFlowInformationAbstract_label_en-US" xlink:label="lab_us-gaap_SupplementalCashFlowInformationAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Supplemental Cash Flow Information [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SupplementalCashFlowInformationAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SupplementalCashFlowInformationAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SupplementalCashFlowInformationAbstract" xlink:to="lab_us-gaap_SupplementalCashFlowInformationAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_PeoName_terseLabel_en-US" xlink:label="lab_ecd_PeoName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">PEO Name</link:label>
    <link:label id="lab_ecd_PeoName_label_en-US" xlink:label="lab_ecd_PeoName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">PEO Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeoName" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_PeoName"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_PeoName" xlink:to="lab_ecd_PeoName" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PaymentsForRepurchaseOfEquity_019e2838-5555-7812-a531-d01fbbb8a3aa_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_PaymentsForRepurchaseOfEquity" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Repurchase of Class A Common Stock and Class A LLC Units</link:label>
    <link:label id="lab_us-gaap_PaymentsForRepurchaseOfEquity_label_en-US" xlink:label="lab_us-gaap_PaymentsForRepurchaseOfEquity" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payments for Repurchase of Equity</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForRepurchaseOfEquity" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsForRepurchaseOfEquity"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PaymentsForRepurchaseOfEquity" xlink:to="lab_us-gaap_PaymentsForRepurchaseOfEquity" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherAssets_019e2838-53e6-7cf3-b316-91eecf00e9cc_terseLabel_en-US" xlink:label="lab_us-gaap_OtherAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other assets, net (includes $188,635 and $76,146 at fair value)</link:label>
    <link:label id="lab_us-gaap_OtherAssets_019e2838-53e6-746c-b335-9c8a789223b7_verboseLabel_en-US" xlink:label="lab_us-gaap_OtherAssets" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Other assets, net (includes $89,264 and $11,838 at fair value)</link:label>
    <link:label id="lab_us-gaap_OtherAssets_019e2838-53e6-7cc9-9562-10151fbcddd9_totalLabel_en-US" xlink:label="lab_us-gaap_OtherAssets" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total other assets, net</link:label>
    <link:label id="lab_us-gaap_OtherAssets_label_en-US" xlink:label="lab_us-gaap_OtherAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssets" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherAssets" xlink:to="lab_us-gaap_OtherAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_PaymentsForAssetAcquisitionsSubsequentPayment_019fa0b4-2e4e-737d-9357-2831ab9d0454_terseLabel_en-US" xlink:label="lab_foa_PaymentsForAssetAcquisitionsSubsequentPayment" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash consideration, subsequent payment</link:label>
    <link:label id="lab_foa_PaymentsForAssetAcquisitionsSubsequentPayment_label_en-US" xlink:label="lab_foa_PaymentsForAssetAcquisitionsSubsequentPayment" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payments for Asset Acquisitions, Subsequent Payment</link:label>
    <link:label id="lab_foa_PaymentsForAssetAcquisitionsSubsequentPayment_documentation_en-US" xlink:label="lab_foa_PaymentsForAssetAcquisitionsSubsequentPayment" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Payments for Asset Acquisitions, Subsequent Payment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_PaymentsForAssetAcquisitionsSubsequentPayment" xlink:href="foa-20260630.xsd#foa_PaymentsForAssetAcquisitionsSubsequentPayment"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_PaymentsForAssetAcquisitionsSubsequentPayment" xlink:to="lab_foa_PaymentsForAssetAcquisitionsSubsequentPayment" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_StkPrcOrTsrEstimationMethodTextBlock_terseLabel_en-US" xlink:label="lab_ecd_StkPrcOrTsrEstimationMethodTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Stock Price or TSR Estimation Method</link:label>
    <link:label id="lab_ecd_StkPrcOrTsrEstimationMethodTextBlock_label_en-US" xlink:label="lab_ecd_StkPrcOrTsrEstimationMethodTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Stock Price or TSR Estimation Method [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_StkPrcOrTsrEstimationMethodTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_StkPrcOrTsrEstimationMethodTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_StkPrcOrTsrEstimationMethodTextBlock" xlink:to="lab_ecd_StkPrcOrTsrEstimationMethodTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityTaxIdentificationNumber_019e2838-5556-7684-bc91-3df90e0728c1_terseLabel_en-US" xlink:label="lab_dei_EntityTaxIdentificationNumber" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Tax Identification Number</link:label>
    <link:label id="lab_dei_EntityTaxIdentificationNumber_label_en-US" xlink:label="lab_dei_EntityTaxIdentificationNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Tax Identification Number</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityTaxIdentificationNumber" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityTaxIdentificationNumber"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityTaxIdentificationNumber" xlink:to="lab_dei_EntityTaxIdentificationNumber" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_LegalEntityAxis_019e2838-53e6-74ba-95b9-cae7b408538a_terseLabel_en-US" xlink:label="lab_dei_LegalEntityAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Legal Entity [Axis]</link:label>
    <link:label id="lab_dei_LegalEntityAxis_label_en-US" xlink:label="lab_dei_LegalEntityAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Legal Entity [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_LegalEntityAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_LegalEntityAxis" xlink:to="lab_dei_LegalEntityAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueByLiabilityClassAxis_019e2838-53e6-7f63-94fe-5ff30216d844_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueByLiabilityClassAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Liability Class [Axis]</link:label>
    <link:label id="lab_us-gaap_FairValueByLiabilityClassAxis_label_en-US" xlink:label="lab_us-gaap_FairValueByLiabilityClassAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liability Class [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByLiabilityClassAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueByLiabilityClassAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueByLiabilityClassAxis" xlink:to="lab_us-gaap_FairValueByLiabilityClassAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NotesPayable_019e2838-5555-7f25-923a-9e886ac7f851_netLabel_en-US" xlink:label="lab_us-gaap_NotesPayable" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:type="resource" xml:lang="en-US">Notes payable (includes $61,156 and $53,800 at fair value, and includes $87,126 due to a related party as of both June&#160;30, 2026 and December&#160;31, 2025)</link:label>
    <link:label id="lab_us-gaap_NotesPayable_019e2838-5555-7a7a-b3ae-c0fb05a5198e_verboseLabel_en-US" xlink:label="lab_us-gaap_NotesPayable" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Notes payable, carrying value</link:label>
    <link:label id="lab_us-gaap_NotesPayable_019e2838-5555-7305-8e69-76aa1f8321ed_terseLabel_en-US" xlink:label="lab_us-gaap_NotesPayable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Carrying Value</link:label>
    <link:label id="lab_us-gaap_NotesPayable_label_en-US" xlink:label="lab_us-gaap_NotesPayable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Notes Payable</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesPayable" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NotesPayable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NotesPayable" xlink:to="lab_us-gaap_NotesPayable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_019e2838-5555-7b0b-b4a3-532f5c6ef588_periodStartLabel_en-US" xlink:label="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Cash and cash equivalents and restricted cash, beginning of period</link:label>
    <link:label id="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_019e2838-5555-7d6b-9484-3d8127c6cf94_periodEndLabel_en-US" xlink:label="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Cash and cash equivalents and restricted cash, end of period</link:label>
    <link:label id="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_019e2838-5555-7a33-96ec-86c848fa0ac1_totalLabel_en-US" xlink:label="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total cash and cash equivalents and restricted cash, end of period</link:label>
    <link:label id="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_label_en-US" xlink:label="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash, Cash Equivalent, Restricted Cash, and Restricted Cash Equivalent, Continuing Operation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" xlink:to="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PreferredStockDividendsIncomeStatementImpact_019e2838-5556-7e7c-80cc-0fc1d59850b8_terseLabel_en-US" xlink:label="lab_us-gaap_PreferredStockDividendsIncomeStatementImpact" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Preferred Stock dividends</link:label>
    <link:label id="lab_us-gaap_PreferredStockDividendsIncomeStatementImpact_019e2838-5556-7ce6-be23-a9048847487b_verboseLabel_en-US" xlink:label="lab_us-gaap_PreferredStockDividendsIncomeStatementImpact" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Less: Preferred Stock dividends</link:label>
    <link:label id="lab_us-gaap_PreferredStockDividendsIncomeStatementImpact_label_en-US" xlink:label="lab_us-gaap_PreferredStockDividendsIncomeStatementImpact" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Preferred Stock Dividends, Income Statement Impact</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockDividendsIncomeStatementImpact" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PreferredStockDividendsIncomeStatementImpact"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PreferredStockDividendsIncomeStatementImpact" xlink:to="lab_us-gaap_PreferredStockDividendsIncomeStatementImpact" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_StockholdersEquityExchangeRatio_019e2838-54b4-7348-b853-4195948a8bf0_terseLabel_en-US" xlink:label="lab_foa_StockholdersEquityExchangeRatio" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Exchange ratio</link:label>
    <link:label id="lab_foa_StockholdersEquityExchangeRatio_label_en-US" xlink:label="lab_foa_StockholdersEquityExchangeRatio" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Stockholders' Equity, Exchange Ratio</link:label>
    <link:label id="lab_foa_StockholdersEquityExchangeRatio_documentation_en-US" xlink:label="lab_foa_StockholdersEquityExchangeRatio" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Stockholders' Equity, Exchange Ratio</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_StockholdersEquityExchangeRatio" xlink:href="foa-20260630.xsd#foa_StockholdersEquityExchangeRatio"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_StockholdersEquityExchangeRatio" xlink:to="lab_foa_StockholdersEquityExchangeRatio" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_LitigationTextBlock_019e2838-5556-7de8-8c0e-23dd32cb039a_terseLabel_en-US" xlink:label="lab_foa_LitigationTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Litigation</link:label>
    <link:label id="lab_foa_LitigationTextBlock_label_en-US" xlink:label="lab_foa_LitigationTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Litigation [Text Block]</link:label>
    <link:label id="lab_foa_LitigationTextBlock_documentation_en-US" xlink:label="lab_foa_LitigationTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Litigation [Text Block].</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_LitigationTextBlock" xlink:href="foa-20260630.xsd#foa_LitigationTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_LitigationTextBlock" xlink:to="lab_foa_LitigationTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityIncorporationStateCountryCode_019e2838-54b4-756a-8f62-c500e6c96aec_terseLabel_en-US" xlink:label="lab_dei_EntityIncorporationStateCountryCode" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Incorporation, State or Country Code</link:label>
    <link:label id="lab_dei_EntityIncorporationStateCountryCode_label_en-US" xlink:label="lab_dei_EntityIncorporationStateCountryCode" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Incorporation, State or Country Code</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityIncorporationStateCountryCode" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityIncorporationStateCountryCode"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityIncorporationStateCountryCode" xlink:to="lab_dei_EntityIncorporationStateCountryCode" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AggtErrCompNotYetDeterminedTextBlock_terseLabel_en-US" xlink:label="lab_ecd_AggtErrCompNotYetDeterminedTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Aggregate Erroneous Compensation Not Yet Determined</link:label>
    <link:label id="lab_ecd_AggtErrCompNotYetDeterminedTextBlock_label_en-US" xlink:label="lab_ecd_AggtErrCompNotYetDeterminedTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Aggregate Erroneous Compensation Not Yet Determined [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AggtErrCompNotYetDeterminedTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AggtErrCompNotYetDeterminedTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AggtErrCompNotYetDeterminedTextBlock" xlink:to="lab_ecd_AggtErrCompNotYetDeterminedTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_MtrlTermsOfTrdArrTextBlock_terseLabel_en-US" xlink:label="lab_ecd_MtrlTermsOfTrdArrTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Material Terms of Trading Arrangement</link:label>
    <link:label id="lab_ecd_MtrlTermsOfTrdArrTextBlock_label_en-US" xlink:label="lab_ecd_MtrlTermsOfTrdArrTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Material Terms of Trading Arrangement [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_MtrlTermsOfTrdArrTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_MtrlTermsOfTrdArrTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_MtrlTermsOfTrdArrTextBlock" xlink:to="lab_ecd_MtrlTermsOfTrdArrTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_NonNeosMember_terseLabel_en-US" xlink:label="lab_ecd_NonNeosMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-NEOs</link:label>
    <link:label id="lab_ecd_NonNeosMember_label_en-US" xlink:label="lab_ecd_NonNeosMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-NEOs [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonNeosMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_NonNeosMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_NonNeosMember" xlink:to="lab_ecd_NonNeosMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_VstngDtFrValOfEqtyAwrdsGrntdAndVstdInCvrdYrMember_terseLabel_en-US" xlink:label="lab_ecd_VstngDtFrValOfEqtyAwrdsGrntdAndVstdInCvrdYrMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Vesting Date Fair Value of Equity Awards Granted and Vested in Covered Year</link:label>
    <link:label id="lab_ecd_VstngDtFrValOfEqtyAwrdsGrntdAndVstdInCvrdYrMember_label_en-US" xlink:label="lab_ecd_VstngDtFrValOfEqtyAwrdsGrntdAndVstdInCvrdYrMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Vesting Date Fair Value of Equity Awards Granted and Vested in Covered Year [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_VstngDtFrValOfEqtyAwrdsGrntdAndVstdInCvrdYrMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_VstngDtFrValOfEqtyAwrdsGrntdAndVstdInCvrdYrMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_VstngDtFrValOfEqtyAwrdsGrntdAndVstdInCvrdYrMember" xlink:to="lab_ecd_VstngDtFrValOfEqtyAwrdsGrntdAndVstdInCvrdYrMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerBasicShare_019e2838-54b4-7ca7-b577-d4bccbc0b346_verboseLabel_en-US" xlink:label="lab_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerBasicShare" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Discontinued operations (in USD per share)</link:label>
    <link:label id="lab_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerBasicShare_label_en-US" xlink:label="lab_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerBasicShare" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income (Loss) from Discontinued Operations and Disposal of Discontinued Operations, Net of Tax, Per Basic Share</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerBasicShare" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerBasicShare"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerBasicShare" xlink:to="lab_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerBasicShare" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock_019e2838-55e6-752e-bded-3de9ad8b0aba_terseLabel_en-US" xlink:label="lab_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Organization and Description of Business</link:label>
    <link:label id="lab_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock_label_en-US" xlink:label="lab_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Organization, Consolidation and Presentation of Financial Statements Disclosure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock" xlink:to="lab_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest_019e2838-5555-731c-80d7-19750011e886_totalLabel_en-US" xlink:label="lab_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">TOTAL COMPREHENSIVE INCOME (LOSS)</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest" xlink:to="lab_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtInstrumentAxis_019e2838-5556-7d89-8983-418a545af1b7_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt Instrument [Axis]</link:label>
    <link:label id="lab_us-gaap_DebtInstrumentAxis_label_en-US" xlink:label="lab_us-gaap_DebtInstrumentAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtInstrumentAxis" xlink:to="lab_us-gaap_DebtInstrumentAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SubsequentEventTable_019e2838-54b4-72fe-8be4-ba4abbd2acb9_terseLabel_en-US" xlink:label="lab_us-gaap_SubsequentEventTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subsequent Event [Table]</link:label>
    <link:label id="lab_us-gaap_SubsequentEventTable_label_en-US" xlink:label="lab_us-gaap_SubsequentEventTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subsequent Event [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventTable" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SubsequentEventTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SubsequentEventTable" xlink:to="lab_us-gaap_SubsequentEventTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LaborAndRelatedExpense_019e2838-54b4-70d8-ba87-135b8a45d5f1_terseLabel_en-US" xlink:label="lab_us-gaap_LaborAndRelatedExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Salaries, benefits, and related expenses</link:label>
    <link:label id="lab_us-gaap_LaborAndRelatedExpense_019e2838-54b4-721f-8798-4bdb46337e28_verboseLabel_en-US" xlink:label="lab_us-gaap_LaborAndRelatedExpense" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Salaries, benefits, and related expenses</link:label>
    <link:label id="lab_us-gaap_LaborAndRelatedExpense_label_en-US" xlink:label="lab_us-gaap_LaborAndRelatedExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Labor and Related Expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LaborAndRelatedExpense" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LaborAndRelatedExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LaborAndRelatedExpense" xlink:to="lab_us-gaap_LaborAndRelatedExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_NonAgencyReverseMortgageSecuritizedMember_019e2838-5555-7b6e-a285-74327b692e8b_terseLabel_en-US" xlink:label="lab_foa_NonAgencyReverseMortgageSecuritizedMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-agency reverse mortgage loans - securitized</link:label>
    <link:label id="lab_foa_NonAgencyReverseMortgageSecuritizedMember_label_en-US" xlink:label="lab_foa_NonAgencyReverseMortgageSecuritizedMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non Agency Reverse Mortgage Securitized [Member]</link:label>
    <link:label id="lab_foa_NonAgencyReverseMortgageSecuritizedMember_documentation_en-US" xlink:label="lab_foa_NonAgencyReverseMortgageSecuritizedMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Non Agency Reverse Mortgage Securitized [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_NonAgencyReverseMortgageSecuritizedMember" xlink:href="foa-20260630.xsd#foa_NonAgencyReverseMortgageSecuritizedMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_NonAgencyReverseMortgageSecuritizedMember" xlink:to="lab_foa_NonAgencyReverseMortgageSecuritizedMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths_019e2838-55e6-76db-9341-c3edf64a346e_terseLabel_en-US" xlink:label="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2027</link:label>
    <link:label id="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths_label_en-US" xlink:label="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Long-Term Debt, Maturity, Year One</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths" xlink:to="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EarningsPerShareBasic_019e2838-5555-72ba-a5c7-bf4c2e511370_terseLabel_en-US" xlink:label="lab_us-gaap_EarningsPerShareBasic" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Basic earnings per share (in USD per share)</link:label>
    <link:label id="lab_us-gaap_EarningsPerShareBasic_019e2838-5555-7398-96f8-8328b9a1fdfc_totalLabel_en-US" xlink:label="lab_us-gaap_EarningsPerShareBasic" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Basic earnings per share (in USD per share)</link:label>
    <link:label id="lab_us-gaap_EarningsPerShareBasic_label_en-US" xlink:label="lab_us-gaap_EarningsPerShareBasic" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Earnings Per Share, Basic</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareBasic" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EarningsPerShareBasic"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EarningsPerShareBasic" xlink:to="lab_us-gaap_EarningsPerShareBasic" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LongtermDebtTypeDomain_019e2838-53e6-767a-b5de-b4d44c01bf96_terseLabel_en-US" xlink:label="lab_us-gaap_LongtermDebtTypeDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Long-term Debt, Type [Domain]</link:label>
    <link:label id="lab_us-gaap_LongtermDebtTypeDomain_label_en-US" xlink:label="lab_us-gaap_LongtermDebtTypeDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Long-Term Debt, Type [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LongtermDebtTypeDomain" xlink:to="lab_us-gaap_LongtermDebtTypeDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_RepurchaseAgreementObligation_019e2838-5555-7a9a-b01e-0017b8393223_verboseLabel_en-US" xlink:label="lab_foa_RepurchaseAgreementObligation" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Repurchase Agreement obligation</link:label>
    <link:label id="lab_foa_RepurchaseAgreementObligation_label_en-US" xlink:label="lab_foa_RepurchaseAgreementObligation" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Repurchase Agreement Obligation</link:label>
    <link:label id="lab_foa_RepurchaseAgreementObligation_documentation_en-US" xlink:label="lab_foa_RepurchaseAgreementObligation" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Repurchase Agreement Obligation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_RepurchaseAgreementObligation" xlink:href="foa-20260630.xsd#foa_RepurchaseAgreementObligation"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_RepurchaseAgreementObligation" xlink:to="lab_foa_RepurchaseAgreementObligation" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_MeasurementInputTypeAxis_019e2838-54b4-780b-8070-71c229bbfbd7_terseLabel_en-US" xlink:label="lab_us-gaap_MeasurementInputTypeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Measurement Input Type [Axis]</link:label>
    <link:label id="lab_us-gaap_MeasurementInputTypeAxis_label_en-US" xlink:label="lab_us-gaap_MeasurementInputTypeAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Measurement Input Type [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputTypeAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MeasurementInputTypeAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_MeasurementInputTypeAxis" xlink:to="lab_us-gaap_MeasurementInputTypeAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_EarningsPerShareDilutedEPSAbstract_019e2838-5555-771f-9664-73f59f53d990_terseLabel_en-US" xlink:label="lab_foa_EarningsPerShareDilutedEPSAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Diluted earnings (loss) per share</link:label>
    <link:label id="lab_foa_EarningsPerShareDilutedEPSAbstract_label_en-US" xlink:label="lab_foa_EarningsPerShareDilutedEPSAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Earnings Per Share, Diluted EPS [Abstract]</link:label>
    <link:label id="lab_foa_EarningsPerShareDilutedEPSAbstract_documentation_en-US" xlink:label="lab_foa_EarningsPerShareDilutedEPSAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Earnings Per Share, Diluted EPS</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_EarningsPerShareDilutedEPSAbstract" xlink:href="foa-20260630.xsd#foa_EarningsPerShareDilutedEPSAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_EarningsPerShareDilutedEPSAbstract" xlink:to="lab_foa_EarningsPerShareDilutedEPSAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_RangeAxis_019e2838-5555-7f24-a2e9-0460571465d1_terseLabel_en-US" xlink:label="lab_srt_RangeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Statistical Measurement [Axis]</link:label>
    <link:label id="lab_srt_RangeAxis_label_en-US" xlink:label="lab_srt_RangeAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statistical Measurement [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_RangeAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_RangeAxis" xlink:to="lab_srt_RangeAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_InsiderTradingArrLineItems_label_en-US" xlink:label="lab_ecd_InsiderTradingArrLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Insider Trading Arrangements [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_InsiderTradingArrLineItems" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_InsiderTradingArrLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="lab_ecd_InsiderTradingArrLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_LoansFairValueGainLossFromModelAmortization_019e2838-54b4-7766-b039-75da4bbe2ba1_terseLabel_en-US" xlink:label="lab_foa_LoansFairValueGainLossFromModelAmortization" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair value changes from model amortization</link:label>
    <link:label id="lab_foa_LoansFairValueGainLossFromModelAmortization_019e2838-54b4-7c24-be80-9d8a604f1666_verboseLabel_en-US" xlink:label="lab_foa_LoansFairValueGainLossFromModelAmortization" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Fair value changes from model amortization</link:label>
    <link:label id="lab_foa_LoansFairValueGainLossFromModelAmortization_label_en-US" xlink:label="lab_foa_LoansFairValueGainLossFromModelAmortization" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans, Fair Value Gain (Loss) From Model Amortization</link:label>
    <link:label id="lab_foa_LoansFairValueGainLossFromModelAmortization_documentation_en-US" xlink:label="lab_foa_LoansFairValueGainLossFromModelAmortization" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans, Fair Value Gain (Loss) From Model Amortization</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_LoansFairValueGainLossFromModelAmortization" xlink:href="foa-20260630.xsd#foa_LoansFairValueGainLossFromModelAmortization"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_LoansFairValueGainLossFromModelAmortization" xlink:to="lab_foa_LoansFairValueGainLossFromModelAmortization" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_FairValueOptionLoansHeldAsAssetsUnpaidPrincipalBalance_019e2838-54b4-78f1-8826-32fcc2582eb4_terseLabel_en-US" xlink:label="lab_foa_FairValueOptionLoansHeldAsAssetsUnpaidPrincipalBalance" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">UPB</link:label>
    <link:label id="lab_foa_FairValueOptionLoansHeldAsAssetsUnpaidPrincipalBalance_label_en-US" xlink:label="lab_foa_FairValueOptionLoansHeldAsAssetsUnpaidPrincipalBalance" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Option Loans Held as Assets Unpaid Principal Balance</link:label>
    <link:label id="lab_foa_FairValueOptionLoansHeldAsAssetsUnpaidPrincipalBalance_documentation_en-US" xlink:label="lab_foa_FairValueOptionLoansHeldAsAssetsUnpaidPrincipalBalance" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Fair value option loans held as assets unpaid principal balance.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_FairValueOptionLoansHeldAsAssetsUnpaidPrincipalBalance" xlink:href="foa-20260630.xsd#foa_FairValueOptionLoansHeldAsAssetsUnpaidPrincipalBalance"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_FairValueOptionLoansHeldAsAssetsUnpaidPrincipalBalance" xlink:to="lab_foa_FairValueOptionLoansHeldAsAssetsUnpaidPrincipalBalance" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AwardTypeAxis_terseLabel_en-US" xlink:label="lab_us-gaap_AwardTypeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Award Type</link:label>
    <link:label id="lab_us-gaap_AwardTypeAxis_label_en-US" xlink:label="lab_us-gaap_AwardTypeAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Award Type [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AwardTypeAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AwardTypeAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AwardTypeAxis" xlink:to="lab_us-gaap_AwardTypeAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_NamedExecutiveOfficersFnTextBlock_terseLabel_en-US" xlink:label="lab_ecd_NamedExecutiveOfficersFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Named Executive Officers, Footnote</link:label>
    <link:label id="lab_ecd_NamedExecutiveOfficersFnTextBlock_label_en-US" xlink:label="lab_ecd_NamedExecutiveOfficersFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Named Executive Officers, Footnote [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NamedExecutiveOfficersFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_NamedExecutiveOfficersFnTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_NamedExecutiveOfficersFnTextBlock" xlink:to="lab_ecd_NamedExecutiveOfficersFnTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_SecuredNotesMember_019e2838-5556-7c31-bff7-aa91783f922e_terseLabel_en-US" xlink:label="lab_foa_SecuredNotesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Secured Notes</link:label>
    <link:label id="lab_foa_SecuredNotesMember_label_en-US" xlink:label="lab_foa_SecuredNotesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Secured Notes [Member]</link:label>
    <link:label id="lab_foa_SecuredNotesMember_documentation_en-US" xlink:label="lab_foa_SecuredNotesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Secured Notes</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_SecuredNotesMember" xlink:href="foa-20260630.xsd#foa_SecuredNotesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_SecuredNotesMember" xlink:to="lab_foa_SecuredNotesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RetainedEarningsAccumulatedDeficit_019e2838-5556-74c6-8780-807cb3f2b140_terseLabel_en-US" xlink:label="lab_us-gaap_RetainedEarningsAccumulatedDeficit" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accumulated deficit</link:label>
    <link:label id="lab_us-gaap_RetainedEarningsAccumulatedDeficit_label_en-US" xlink:label="lab_us-gaap_RetainedEarningsAccumulatedDeficit" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Retained Earnings (Accumulated Deficit)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsAccumulatedDeficit" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RetainedEarningsAccumulatedDeficit"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RetainedEarningsAccumulatedDeficit" xlink:to="lab_us-gaap_RetainedEarningsAccumulatedDeficit" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_FairValueOptionLoansHeldForSale_019e2838-54b4-73cf-bfa5-d576212c3099_terseLabel_en-US" xlink:label="lab_foa_FairValueOptionLoansHeldForSale" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans held for sale, Fair Value</link:label>
    <link:label id="lab_foa_FairValueOptionLoansHeldForSale_label_en-US" xlink:label="lab_foa_FairValueOptionLoansHeldForSale" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Option, Loans Held-For-Sale</link:label>
    <link:label id="lab_foa_FairValueOptionLoansHeldForSale_documentation_en-US" xlink:label="lab_foa_FairValueOptionLoansHeldForSale" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Fair Value, Option, Loans Held-For-Sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_FairValueOptionLoansHeldForSale" xlink:href="foa-20260630.xsd#foa_FairValueOptionLoansHeldForSale"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_FairValueOptionLoansHeldForSale" xlink:to="lab_foa_FairValueOptionLoansHeldForSale" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_FairValueOptionLoansHeldForInvestmentSubjectToNonrecourseDebtUnpaidPrincipalBalance_019e2838-5555-744a-9fbe-4f4ddaac610c_terseLabel_en-US" xlink:label="lab_foa_FairValueOptionLoansHeldForInvestmentSubjectToNonrecourseDebtUnpaidPrincipalBalance" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total loans held for investment, subject to nonrecourse debt</link:label>
    <link:label id="lab_foa_FairValueOptionLoansHeldForInvestmentSubjectToNonrecourseDebtUnpaidPrincipalBalance_label_en-US" xlink:label="lab_foa_FairValueOptionLoansHeldForInvestmentSubjectToNonrecourseDebtUnpaidPrincipalBalance" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Option, Loans Held-For-Investment, Subject To Nonrecourse Debt, Unpaid Principal Balance</link:label>
    <link:label id="lab_foa_FairValueOptionLoansHeldForInvestmentSubjectToNonrecourseDebtUnpaidPrincipalBalance_documentation_en-US" xlink:label="lab_foa_FairValueOptionLoansHeldForInvestmentSubjectToNonrecourseDebtUnpaidPrincipalBalance" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Fair Value, Option, Loans Held-For-Investment, Subject To Nonrecourse Debt, Unpaid Principal Balance</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_FairValueOptionLoansHeldForInvestmentSubjectToNonrecourseDebtUnpaidPrincipalBalance" xlink:href="foa-20260630.xsd#foa_FairValueOptionLoansHeldForInvestmentSubjectToNonrecourseDebtUnpaidPrincipalBalance"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_FairValueOptionLoansHeldForInvestmentSubjectToNonrecourseDebtUnpaidPrincipalBalance" xlink:to="lab_foa_FairValueOptionLoansHeldForInvestmentSubjectToNonrecourseDebtUnpaidPrincipalBalance" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_TaxReceivableAgreementObligationMember_019e2838-5555-7033-b643-a1864328ae7e_terseLabel_en-US" xlink:label="lab_foa_TaxReceivableAgreementObligationMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">TRA obligation</link:label>
    <link:label id="lab_foa_TaxReceivableAgreementObligationMember_label_en-US" xlink:label="lab_foa_TaxReceivableAgreementObligationMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tax Receivable Agreement Obligation [Member]</link:label>
    <link:label id="lab_foa_TaxReceivableAgreementObligationMember_documentation_en-US" xlink:label="lab_foa_TaxReceivableAgreementObligationMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tax Receivable Agreement Obligation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_TaxReceivableAgreementObligationMember" xlink:href="foa-20260630.xsd#foa_TaxReceivableAgreementObligationMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_TaxReceivableAgreementObligationMember" xlink:to="lab_foa_TaxReceivableAgreementObligationMember" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_HECMBuyoutsNonperformingMember_019e2838-5556-7612-bc99-1c0d99da2fce_terseLabel_en-US" xlink:label="lab_foa_HECMBuyoutsNonperformingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">HECM buyouts (nonperforming)</link:label>
    <link:label id="lab_foa_HECMBuyoutsNonperformingMember_label_en-US" xlink:label="lab_foa_HECMBuyoutsNonperformingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">HECM Buyouts, Nonperforming [Member]</link:label>
    <link:label id="lab_foa_HECMBuyoutsNonperformingMember_documentation_en-US" xlink:label="lab_foa_HECMBuyoutsNonperformingMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">HECM Buyouts [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_HECMBuyoutsNonperformingMember" xlink:href="foa-20260630.xsd#foa_HECMBuyoutsNonperformingMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_HECMBuyoutsNonperformingMember" xlink:to="lab_foa_HECMBuyoutsNonperformingMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AggtChngPnsnValInSummryCompstnTblForAplblYrMember_terseLabel_en-US" xlink:label="lab_ecd_AggtChngPnsnValInSummryCompstnTblForAplblYrMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Aggregate Change in Present Value of Accumulated Benefit for All Pension Plans Reported in Summary Compensation Table</link:label>
    <link:label id="lab_ecd_AggtChngPnsnValInSummryCompstnTblForAplblYrMember_label_en-US" xlink:label="lab_ecd_AggtChngPnsnValInSummryCompstnTblForAplblYrMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Aggregate Change in Present Value of Accumulated Benefit for All Pension Plans Reported in Summary Compensation Table [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AggtChngPnsnValInSummryCompstnTblForAplblYrMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AggtChngPnsnValInSummryCompstnTblForAplblYrMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AggtChngPnsnValInSummryCompstnTblForAplblYrMember" xlink:to="lab_ecd_AggtChngPnsnValInSummryCompstnTblForAplblYrMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CapitalUnitsByClassAxis_019e2838-53e6-7134-bb53-10642ff37d60_terseLabel_en-US" xlink:label="lab_us-gaap_CapitalUnitsByClassAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Capital Units by Class [Axis]</link:label>
    <link:label id="lab_us-gaap_CapitalUnitsByClassAxis_label_en-US" xlink:label="lab_us-gaap_CapitalUnitsByClassAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Capital Units by Class [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalUnitsByClassAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CapitalUnitsByClassAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CapitalUnitsByClassAxis" xlink:to="lab_us-gaap_CapitalUnitsByClassAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AwardsCloseToMnpiDiscTable_terseLabel_en-US" xlink:label="lab_ecd_AwardsCloseToMnpiDiscTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Awards Close in Time to MNPI Disclosures</link:label>
    <link:label id="lab_ecd_AwardsCloseToMnpiDiscTable_label_en-US" xlink:label="lab_ecd_AwardsCloseToMnpiDiscTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Awards Close in Time to MNPI Disclosures [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardsCloseToMnpiDiscTable" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AwardsCloseToMnpiDiscTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AwardsCloseToMnpiDiscTable" xlink:to="lab_ecd_AwardsCloseToMnpiDiscTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CommonStockMember_019e2838-53e6-7dd4-926a-ce7e78b47d05_terseLabel_en-US" xlink:label="lab_us-gaap_CommonStockMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Common Stock</link:label>
    <link:label id="lab_us-gaap_CommonStockMember_label_en-US" xlink:label="lab_us-gaap_CommonStockMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Stock [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockMember" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonStockMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommonStockMember" xlink:to="lab_us-gaap_CommonStockMember" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_FairValueOptionLoansHeldForInvestmentUnpaidPrincipalBalanceMaximumClaimAmountPercent_019e2838-55e6-72bc-becf-475d02ecb399_terseLabel_en-US" xlink:label="lab_foa_FairValueOptionLoansHeldForInvestmentUnpaidPrincipalBalanceMaximumClaimAmountPercent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Maximum claim amount ("MCA") (in percent)</link:label>
    <link:label id="lab_foa_FairValueOptionLoansHeldForInvestmentUnpaidPrincipalBalanceMaximumClaimAmountPercent_label_en-US" xlink:label="lab_foa_FairValueOptionLoansHeldForInvestmentUnpaidPrincipalBalanceMaximumClaimAmountPercent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Option, Loans Held-For-Investment, Unpaid Principal Balance, Maximum Claim Amount, Percent</link:label>
    <link:label id="lab_foa_FairValueOptionLoansHeldForInvestmentUnpaidPrincipalBalanceMaximumClaimAmountPercent_documentation_en-US" xlink:label="lab_foa_FairValueOptionLoansHeldForInvestmentUnpaidPrincipalBalanceMaximumClaimAmountPercent" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Fair Value, Option, Loans Held-For-Investment, Unpaid Principal Balance, Maximum Claim Amount, Percent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_FairValueOptionLoansHeldForInvestmentUnpaidPrincipalBalanceMaximumClaimAmountPercent" xlink:href="foa-20260630.xsd#foa_FairValueOptionLoansHeldForInvestmentUnpaidPrincipalBalanceMaximumClaimAmountPercent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_FairValueOptionLoansHeldForInvestmentUnpaidPrincipalBalanceMaximumClaimAmountPercent" xlink:to="lab_foa_FairValueOptionLoansHeldForInvestmentUnpaidPrincipalBalanceMaximumClaimAmountPercent" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LitigationSettlementExpense_019e2838-5555-7133-b7a9-60a355c1f266_terseLabel_en-US" xlink:label="lab_us-gaap_LitigationSettlementExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Legal expenses</link:label>
    <link:label id="lab_us-gaap_LitigationSettlementExpense_label_en-US" xlink:label="lab_us-gaap_LitigationSettlementExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Litigation Settlement, Fee Expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LitigationSettlementExpense" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LitigationSettlementExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LitigationSettlementExpense" xlink:to="lab_us-gaap_LitigationSettlementExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock_terseLabel_en-US" xlink:label="lab_ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Compensation Actually Paid vs. Company Selected Measure</link:label>
    <link:label id="lab_ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock_label_en-US" xlink:label="lab_ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Compensation Actually Paid vs. Company Selected Measure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock" xlink:to="lab_ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_CoverAbstract_label_en-US" xlink:label="lab_dei_CoverAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cover [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CoverAbstract" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_CoverAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_CoverAbstract" xlink:to="lab_dei_CoverAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_FairValueOptionLoansHeldForInvestmentAndLoansHeldForSaleUnpaidPrincipalBalance_019e2838-5555-7084-bb6d-ee35519e6fac_totalLabel_en-US" xlink:label="lab_foa_FairValueOptionLoansHeldForInvestmentAndLoansHeldForSaleUnpaidPrincipalBalance" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total owned loan portfolio</link:label>
    <link:label id="lab_foa_FairValueOptionLoansHeldForInvestmentAndLoansHeldForSaleUnpaidPrincipalBalance_019e2838-5555-7ac1-a4a7-65e0358dda8b_terseLabel_en-US" xlink:label="lab_foa_FairValueOptionLoansHeldForInvestmentAndLoansHeldForSaleUnpaidPrincipalBalance" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total owned loan portfolio</link:label>
    <link:label id="lab_foa_FairValueOptionLoansHeldForInvestmentAndLoansHeldForSaleUnpaidPrincipalBalance_label_en-US" xlink:label="lab_foa_FairValueOptionLoansHeldForInvestmentAndLoansHeldForSaleUnpaidPrincipalBalance" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Option, Loans Held-For-Investment And Loans Held-For-Sale, Unpaid Principal Balance</link:label>
    <link:label id="lab_foa_FairValueOptionLoansHeldForInvestmentAndLoansHeldForSaleUnpaidPrincipalBalance_documentation_en-US" xlink:label="lab_foa_FairValueOptionLoansHeldForInvestmentAndLoansHeldForSaleUnpaidPrincipalBalance" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Fair Value, Option, Loans Held-For-Investment And Loans Held-For-Sale, Unpaid Principal Balance</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_FairValueOptionLoansHeldForInvestmentAndLoansHeldForSaleUnpaidPrincipalBalance" xlink:href="foa-20260630.xsd#foa_FairValueOptionLoansHeldForInvestmentAndLoansHeldForSaleUnpaidPrincipalBalance"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_FairValueOptionLoansHeldForInvestmentAndLoansHeldForSaleUnpaidPrincipalBalance" xlink:to="lab_foa_FairValueOptionLoansHeldForInvestmentAndLoansHeldForSaleUnpaidPrincipalBalance" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_AssetAcquisitionAssetAcquiredAbstract_019f93b7-c11e-7f46-8a02-442c8e1b0391_terseLabel_en-US" xlink:label="lab_foa_AssetAcquisitionAssetAcquiredAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Assets acquired:</link:label>
    <link:label id="lab_foa_AssetAcquisitionAssetAcquiredAbstract_label_en-US" xlink:label="lab_foa_AssetAcquisitionAssetAcquiredAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Asset Acquisition, Asset Acquired [Abstract]</link:label>
    <link:label id="lab_foa_AssetAcquisitionAssetAcquiredAbstract_documentation_en-US" xlink:label="lab_foa_AssetAcquisitionAssetAcquiredAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Asset Acquisition, Asset Acquired</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_AssetAcquisitionAssetAcquiredAbstract" xlink:href="foa-20260630.xsd#foa_AssetAcquisitionAssetAcquiredAbstract"/>
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    <link:label id="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_label_en-US" xlink:label="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Measurement Inputs and Valuation Techniques [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable" xlink:to="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_MeasurementInputLossSeverityMember_019e2838-54b4-78ad-abdf-535d61193747_terseLabel_en-US" xlink:label="lab_us-gaap_MeasurementInputLossSeverityMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loss severity</link:label>
    <link:label id="lab_us-gaap_MeasurementInputLossSeverityMember_label_en-US" xlink:label="lab_us-gaap_MeasurementInputLossSeverityMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Measurement Input, Loss Severity [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputLossSeverityMember" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MeasurementInputLossSeverityMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_MeasurementInputLossSeverityMember" xlink:to="lab_us-gaap_MeasurementInputLossSeverityMember" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_RestrictedStockValueSharesIssuedCancelledNetOfTaxWithholdings_019e2838-5555-74c6-8e4b-a2493e1331e2_negatedTerseLabel_en-US" xlink:label="lab_foa_RestrictedStockValueSharesIssuedCancelledNetOfTaxWithholdings" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Cancellation of shares to fund employee tax withholdings</link:label>
    <link:label id="lab_foa_RestrictedStockValueSharesIssuedCancelledNetOfTaxWithholdings_label_en-US" xlink:label="lab_foa_RestrictedStockValueSharesIssuedCancelledNetOfTaxWithholdings" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Restricted Stock Value Shares Issued Cancelled Net Of Tax Withholdings</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_foa_RestrictedStockValueSharesIssuedCancelledNetOfTaxWithholdings" xlink:href="foa-20260630.xsd#foa_RestrictedStockValueSharesIssuedCancelledNetOfTaxWithholdings"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_RestrictedStockValueSharesIssuedCancelledNetOfTaxWithholdings" xlink:to="lab_foa_RestrictedStockValueSharesIssuedCancelledNetOfTaxWithholdings" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_EqtyAwrdsAdjsMember_terseLabel_en-US" xlink:label="lab_ecd_EqtyAwrdsAdjsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity Awards Adjustments</link:label>
    <link:label id="lab_ecd_EqtyAwrdsAdjsMember_label_en-US" xlink:label="lab_ecd_EqtyAwrdsAdjsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity Awards Adjustments [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_EqtyAwrdsAdjsMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_EqtyAwrdsAdjsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_EqtyAwrdsAdjsMember" xlink:to="lab_ecd_EqtyAwrdsAdjsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AssetAcquisitionLineItems_019f93b5-49d2-7f7f-98ba-03b30e97dd0e_verboseLabel_en-US" xlink:label="lab_us-gaap_AssetAcquisitionLineItems" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Asset Acquisition [Line Items]</link:label>
    <link:label id="lab_us-gaap_AssetAcquisitionLineItems_label_en-US" xlink:label="lab_us-gaap_AssetAcquisitionLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Asset Acquisition [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetAcquisitionLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AssetAcquisitionLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AssetAcquisitionLineItems" xlink:to="lab_us-gaap_AssetAcquisitionLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LiabilitiesAndStockholdersEquity_019e2838-5555-757c-9d07-06a052c26176_totalLabel_en-US" xlink:label="lab_us-gaap_LiabilitiesAndStockholdersEquity" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">TOTAL LIABILITIES AND EQUITY</link:label>
    <link:label id="lab_us-gaap_LiabilitiesAndStockholdersEquity_label_en-US" xlink:label="lab_us-gaap_LiabilitiesAndStockholdersEquity" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liabilities and Equity</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquity" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilitiesAndStockholdersEquity"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity" xlink:to="lab_us-gaap_LiabilitiesAndStockholdersEquity" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EarningsPerShareDilutedLineItems_019e2838-54b4-753e-a698-91a4464b5fb3_terseLabel_en-US" xlink:label="lab_us-gaap_EarningsPerShareDilutedLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Earnings Per Share, Diluted, by Common Class, Including Two Class Method [Line Items]</link:label>
    <link:label id="lab_us-gaap_EarningsPerShareDilutedLineItems_label_en-US" xlink:label="lab_us-gaap_EarningsPerShareDilutedLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Earnings Per Share, Diluted, by Common Class, Including Two Class Method [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareDilutedLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EarningsPerShareDilutedLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EarningsPerShareDilutedLineItems" xlink:to="lab_us-gaap_EarningsPerShareDilutedLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_NetFairValueGainsLossesOnMortgageLoansAndRelatedObligations_019e2838-5555-765a-be9f-d6a7fe678df1_totalLabel_en-US" xlink:label="lab_foa_NetFairValueGainsLossesOnMortgageLoansAndRelatedObligations" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net fair value changes on loans and related obligations</link:label>
    <link:label id="lab_foa_NetFairValueGainsLossesOnMortgageLoansAndRelatedObligations_label_en-US" xlink:label="lab_foa_NetFairValueGainsLossesOnMortgageLoansAndRelatedObligations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Fair Value Gains (Losses) On Mortgage Loans And Related Obligations</link:label>
    <link:label id="lab_foa_NetFairValueGainsLossesOnMortgageLoansAndRelatedObligations_documentation_en-US" xlink:label="lab_foa_NetFairValueGainsLossesOnMortgageLoansAndRelatedObligations" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Net fair value gains on mortgage loans and related obligations.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_NetFairValueGainsLossesOnMortgageLoansAndRelatedObligations" xlink:href="foa-20260630.xsd#foa_NetFairValueGainsLossesOnMortgageLoansAndRelatedObligations"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_NetFairValueGainsLossesOnMortgageLoansAndRelatedObligations" xlink:to="lab_foa_NetFairValueGainsLossesOnMortgageLoansAndRelatedObligations" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EmployeeStockOptionMember_019e2838-55e6-79b6-bfe2-a0615c4a5a55_terseLabel_en-US" xlink:label="lab_us-gaap_EmployeeStockOptionMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Employee Stock Option</link:label>
    <link:label id="lab_us-gaap_EmployeeStockOptionMember_label_en-US" xlink:label="lab_us-gaap_EmployeeStockOptionMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Payment Arrangement, Option [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeStockOptionMember" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EmployeeStockOptionMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EmployeeStockOptionMember" xlink:to="lab_us-gaap_EmployeeStockOptionMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_MinorityInterest_019e2838-53e6-73f3-a2a7-e0841b34f7ed_terseLabel_en-US" xlink:label="lab_us-gaap_MinorityInterest" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Noncontrolling interest</link:label>
    <link:label id="lab_us-gaap_MinorityInterest_label_en-US" xlink:label="lab_us-gaap_MinorityInterest" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity, Attributable to Noncontrolling Interest</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MinorityInterest" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MinorityInterest"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_MinorityInterest" xlink:to="lab_us-gaap_MinorityInterest" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NotesPayableOtherPayablesMember_019e2838-54b4-7c92-9636-83ee6792bb9e_terseLabel_en-US" xlink:label="lab_us-gaap_NotesPayableOtherPayablesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Notes Payable, Other Payables</link:label>
    <link:label id="lab_us-gaap_NotesPayableOtherPayablesMember_label_en-US" xlink:label="lab_us-gaap_NotesPayableOtherPayablesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Notes Payable, Other Payables [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesPayableOtherPayablesMember" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NotesPayableOtherPayablesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NotesPayableOtherPayablesMember" xlink:to="lab_us-gaap_NotesPayableOtherPayablesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_OtherFinancingLinesOfCreditTextBlock_019e2838-54b4-7379-8d3a-2a6d08df634a_terseLabel_en-US" xlink:label="lab_foa_OtherFinancingLinesOfCreditTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other Financing Lines of Credit</link:label>
    <link:label id="lab_foa_OtherFinancingLinesOfCreditTextBlock_label_en-US" xlink:label="lab_foa_OtherFinancingLinesOfCreditTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Financing Lines Of Credit [Text Block]</link:label>
    <link:label id="lab_foa_OtherFinancingLinesOfCreditTextBlock_documentation_en-US" xlink:label="lab_foa_OtherFinancingLinesOfCreditTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other financing lines of credit.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_OtherFinancingLinesOfCreditTextBlock" xlink:href="foa-20260630.xsd#foa_OtherFinancingLinesOfCreditTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_OtherFinancingLinesOfCreditTextBlock" xlink:to="lab_foa_OtherFinancingLinesOfCreditTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StatementBusinessSegmentsAxis_019e2838-5556-7b1d-a57e-d8cb4fba4366_terseLabel_en-US" xlink:label="lab_us-gaap_StatementBusinessSegmentsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Segments [Axis]</link:label>
    <link:label id="lab_us-gaap_StatementBusinessSegmentsAxis_label_en-US" xlink:label="lab_us-gaap_StatementBusinessSegmentsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Segments [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementBusinessSegmentsAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementBusinessSegmentsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StatementBusinessSegmentsAxis" xlink:to="lab_us-gaap_StatementBusinessSegmentsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_Additional402vDisclosureTextBlock_terseLabel_en-US" xlink:label="lab_ecd_Additional402vDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Additional 402(v) Disclosure</link:label>
    <link:label id="lab_ecd_Additional402vDisclosureTextBlock_label_en-US" xlink:label="lab_ecd_Additional402vDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Additional 402(v) Disclosure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_Additional402vDisclosureTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_Additional402vDisclosureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_Additional402vDisclosureTextBlock" xlink:to="lab_ecd_Additional402vDisclosureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_AssetAcquisitionAssetsAcquired_019f93ae-a47b-7024-b228-b4a64e12b106_totalLabel_en-US" xlink:label="lab_foa_AssetAcquisitionAssetsAcquired" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total assets acquired</link:label>
    <link:label id="lab_foa_AssetAcquisitionAssetsAcquired_label_en-US" xlink:label="lab_foa_AssetAcquisitionAssetsAcquired" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Asset Acquisition, Assets Acquired</link:label>
    <link:label id="lab_foa_AssetAcquisitionAssetsAcquired_documentation_en-US" xlink:label="lab_foa_AssetAcquisitionAssetsAcquired" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Asset Acquisition, Assets Acquired</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_AssetAcquisitionAssetsAcquired" xlink:href="foa-20260630.xsd#foa_AssetAcquisitionAssetsAcquired"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_AssetAcquisitionAssetsAcquired" xlink:to="lab_foa_AssetAcquisitionAssetsAcquired" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RelatedPartyDomain_019e2838-5556-7b60-bac8-4ec96142e6f9_terseLabel_en-US" xlink:label="lab_us-gaap_RelatedPartyDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Related Party [Domain]</link:label>
    <link:label id="lab_us-gaap_RelatedPartyDomain_label_en-US" xlink:label="lab_us-gaap_RelatedPartyDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Related and Nonrelated Parties [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RelatedPartyDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RelatedPartyDomain" xlink:to="lab_us-gaap_RelatedPartyDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_TabularListTableTextBlock_terseLabel_en-US" xlink:label="lab_ecd_TabularListTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Tabular List, Table</link:label>
    <link:label id="lab_ecd_TabularListTableTextBlock_label_en-US" xlink:label="lab_ecd_TabularListTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tabular List [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TabularListTableTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_TabularListTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_TabularListTableTextBlock" xlink:to="lab_ecd_TabularListTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AdditionalPaidInCapital_019e2838-5556-7c52-9cda-78ca13458d50_terseLabel_en-US" xlink:label="lab_us-gaap_AdditionalPaidInCapital" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Additional paid-in capital</link:label>
    <link:label id="lab_us-gaap_AdditionalPaidInCapital_label_en-US" xlink:label="lab_us-gaap_AdditionalPaidInCapital" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Additional Paid in Capital</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapital" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AdditionalPaidInCapital"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AdditionalPaidInCapital" xlink:to="lab_us-gaap_AdditionalPaidInCapital" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_SecuritizationOfNonAgencyReverseMortgageLoansMember_019e2838-54b4-7cb9-8f12-b98cc1a3e703_terseLabel_en-US" xlink:label="lab_foa_SecuritizationOfNonAgencyReverseMortgageLoansMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Securitization of non-agency reverse mortgage loans</link:label>
    <link:label id="lab_foa_SecuritizationOfNonAgencyReverseMortgageLoansMember_label_en-US" xlink:label="lab_foa_SecuritizationOfNonAgencyReverseMortgageLoansMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Securitization Of Non Agency Reverse Mortgage Loans [Member]</link:label>
    <link:label id="lab_foa_SecuritizationOfNonAgencyReverseMortgageLoansMember_documentation_en-US" xlink:label="lab_foa_SecuritizationOfNonAgencyReverseMortgageLoansMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Securitization Of Non Agency Reverse Mortgage Loans</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_SecuritizationOfNonAgencyReverseMortgageLoansMember" xlink:href="foa-20260630.xsd#foa_SecuritizationOfNonAgencyReverseMortgageLoansMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_SecuritizationOfNonAgencyReverseMortgageLoansMember" xlink:to="lab_foa_SecuritizationOfNonAgencyReverseMortgageLoansMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherNonoperatingIncomeExpense_019e2838-5555-7cd9-a897-bae399737066_terseLabel_en-US" xlink:label="lab_us-gaap_OtherNonoperatingIncomeExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">OTHER, NET</link:label>
    <link:label id="lab_us-gaap_OtherNonoperatingIncomeExpense_019e2838-5555-712b-ad2a-e02224ad08d5_verboseLabel_en-US" xlink:label="lab_us-gaap_OtherNonoperatingIncomeExpense" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Other, net</link:label>
    <link:label id="lab_us-gaap_OtherNonoperatingIncomeExpense_label_en-US" xlink:label="lab_us-gaap_OtherNonoperatingIncomeExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Nonoperating Income (Expense)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherNonoperatingIncomeExpense" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherNonoperatingIncomeExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherNonoperatingIncomeExpense" xlink:to="lab_us-gaap_OtherNonoperatingIncomeExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherLongTermDebt_019e2838-55e6-798d-8e41-f87af2c1acaf_terseLabel_en-US" xlink:label="lab_us-gaap_OtherLongTermDebt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other financing lines of credit</link:label>
    <link:label id="lab_us-gaap_OtherLongTermDebt_label_en-US" xlink:label="lab_us-gaap_OtherLongTermDebt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Long-Term Debt</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherLongTermDebt" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherLongTermDebt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherLongTermDebt" xlink:to="lab_us-gaap_OtherLongTermDebt" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_ProceedsFromIssuanceOfHmbsRelatedObligations_019e2838-5555-765d-ac96-4d8e60baf0c6_terseLabel_en-US" xlink:label="lab_foa_ProceedsFromIssuanceOfHmbsRelatedObligations" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Proceeds from issuance of HMBS related obligations</link:label>
    <link:label id="lab_foa_ProceedsFromIssuanceOfHmbsRelatedObligations_label_en-US" xlink:label="lab_foa_ProceedsFromIssuanceOfHmbsRelatedObligations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds From Issuance Of HMBS Related Obligations</link:label>
    <link:label id="lab_foa_ProceedsFromIssuanceOfHmbsRelatedObligations_documentation_en-US" xlink:label="lab_foa_ProceedsFromIssuanceOfHmbsRelatedObligations" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Proceeds from issuance of HMBS related obligations.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_ProceedsFromIssuanceOfHmbsRelatedObligations" xlink:href="foa-20260630.xsd#foa_ProceedsFromIssuanceOfHmbsRelatedObligations"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_ProceedsFromIssuanceOfHmbsRelatedObligations" xlink:to="lab_foa_ProceedsFromIssuanceOfHmbsRelatedObligations" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncrementalCommonSharesAttributableToConversionOfDebtSecurities_019e2838-5555-7aa9-afe8-db5f7f649f60_terseLabel_en-US" xlink:label="lab_us-gaap_IncrementalCommonSharesAttributableToConversionOfDebtSecurities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Assumed exchange of Notes for shares of Class A Common Stock (in shares)</link:label>
    <link:label id="lab_us-gaap_IncrementalCommonSharesAttributableToConversionOfDebtSecurities_label_en-US" xlink:label="lab_us-gaap_IncrementalCommonSharesAttributableToConversionOfDebtSecurities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Incremental Common Shares Attributable to Dilutive Effect of Conversion of Debt Securities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncrementalCommonSharesAttributableToConversionOfDebtSecurities" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncrementalCommonSharesAttributableToConversionOfDebtSecurities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncrementalCommonSharesAttributableToConversionOfDebtSecurities" xlink:to="lab_us-gaap_IncrementalCommonSharesAttributableToConversionOfDebtSecurities" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AwardsCloseToMnpiDiscIndName_terseLabel_en-US" xlink:label="lab_ecd_AwardsCloseToMnpiDiscIndName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Name</link:label>
    <link:label id="lab_ecd_AwardsCloseToMnpiDiscIndName_label_en-US" xlink:label="lab_ecd_AwardsCloseToMnpiDiscIndName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Awards Close in Time to MNPI Disclosures, Individual Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardsCloseToMnpiDiscIndName" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AwardsCloseToMnpiDiscIndName"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AwardsCloseToMnpiDiscIndName" xlink:to="lab_ecd_AwardsCloseToMnpiDiscIndName" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember_terseLabel_en-US" xlink:label="lab_ecd_YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Year-end Fair Value of Equity Awards Granted in Covered Year that are Outstanding and Unvested</link:label>
    <link:label id="lab_ecd_YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember_label_en-US" xlink:label="lab_ecd_YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Year-end Fair Value of Equity Awards Granted in Covered Year that are Outstanding and Unvested [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember" xlink:to="lab_ecd_YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_GeneralAndAdministrativeExpense_019e2838-5555-734f-a875-23798cf81c28_terseLabel_en-US" xlink:label="lab_us-gaap_GeneralAndAdministrativeExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">General and administrative expenses</link:label>
    <link:label id="lab_us-gaap_GeneralAndAdministrativeExpense_019e2838-5555-7309-aa15-2184fe6d875d_verboseLabel_en-US" xlink:label="lab_us-gaap_GeneralAndAdministrativeExpense" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">General and administrative expenses</link:label>
    <link:label id="lab_us-gaap_GeneralAndAdministrativeExpense_label_en-US" xlink:label="lab_us-gaap_GeneralAndAdministrativeExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">General and Administrative Expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GeneralAndAdministrativeExpense" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_GeneralAndAdministrativeExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_GeneralAndAdministrativeExpense" xlink:to="lab_us-gaap_GeneralAndAdministrativeExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_TrustAxis_019e2838-53e6-79c2-81a4-b103722fe401_terseLabel_en-US" xlink:label="lab_foa_TrustAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Trust [Axis]</link:label>
    <link:label id="lab_foa_TrustAxis_label_en-US" xlink:label="lab_foa_TrustAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trust [Axis]</link:label>
    <link:label id="lab_foa_TrustAxis_documentation_en-US" xlink:label="lab_foa_TrustAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Trust [Axis].</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_TrustAxis" xlink:href="foa-20260630.xsd#foa_TrustAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_TrustAxis" xlink:to="lab_foa_TrustAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_019e2838-5555-712a-971b-ca99b0c1b8b4_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value by Liability Class [Domain]</link:label>
    <link:label id="lab_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_label_en-US" xlink:label="lab_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value by Liability Class [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain" xlink:to="lab_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PreferredStockSharesAuthorized_019e2838-53e6-7c13-9165-67214293d593_terseLabel_en-US" xlink:label="lab_us-gaap_PreferredStockSharesAuthorized" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Preferred stock, authorized (in shares)</link:label>
    <link:label id="lab_us-gaap_PreferredStockSharesAuthorized_label_en-US" xlink:label="lab_us-gaap_PreferredStockSharesAuthorized" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Preferred Stock, Shares Authorized</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockSharesAuthorized" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PreferredStockSharesAuthorized"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PreferredStockSharesAuthorized" xlink:to="lab_us-gaap_PreferredStockSharesAuthorized" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_RelatedPartyNumberOfPromissoryNotes_019e2838-5555-7ecf-9fb3-672910e8e6b3_terseLabel_en-US" xlink:label="lab_foa_RelatedPartyNumberOfPromissoryNotes" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of promissory notes</link:label>
    <link:label id="lab_foa_RelatedPartyNumberOfPromissoryNotes_label_en-US" xlink:label="lab_foa_RelatedPartyNumberOfPromissoryNotes" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Related Party, Number of Promissory Notes</link:label>
    <link:label id="lab_foa_RelatedPartyNumberOfPromissoryNotes_documentation_en-US" xlink:label="lab_foa_RelatedPartyNumberOfPromissoryNotes" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Related Party, Number of Promissory Notes</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_RelatedPartyNumberOfPromissoryNotes" xlink:href="foa-20260630.xsd#foa_RelatedPartyNumberOfPromissoryNotes"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_RelatedPartyNumberOfPromissoryNotes" xlink:to="lab_foa_RelatedPartyNumberOfPromissoryNotes" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PreferredStockValue_019e2838-53e6-7cf4-b384-54668e5aac30_terseLabel_en-US" xlink:label="lab_us-gaap_PreferredStockValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Preferred Stock, $0.0001 par value; 600,000,000 shares authorized; 50,000 shares issued and outstanding as of both June&#160;30, 2026 and December&#160;31, 2025</link:label>
    <link:label id="lab_us-gaap_PreferredStockValue_label_en-US" xlink:label="lab_us-gaap_PreferredStockValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Preferred Stock, Value, Issued</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockValue" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PreferredStockValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PreferredStockValue" xlink:to="lab_us-gaap_PreferredStockValue" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_HECMBuyoutsSecuritizedPerformingMember_019e2838-54b4-7dc3-9cfd-38ee169baf24_terseLabel_en-US" xlink:label="lab_foa_HECMBuyoutsSecuritizedPerformingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">HECM buyouts - securitized (performing)</link:label>
    <link:label id="lab_foa_HECMBuyoutsSecuritizedPerformingMember_label_en-US" xlink:label="lab_foa_HECMBuyoutsSecuritizedPerformingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">HECM Buyouts, Securitized, Performing [Member]</link:label>
    <link:label id="lab_foa_HECMBuyoutsSecuritizedPerformingMember_documentation_en-US" xlink:label="lab_foa_HECMBuyoutsSecuritizedPerformingMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">HECM Buyouts Securitized [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_HECMBuyoutsSecuritizedPerformingMember" xlink:href="foa-20260630.xsd#foa_HECMBuyoutsSecuritizedPerformingMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_HECMBuyoutsSecuritizedPerformingMember" xlink:to="lab_foa_HECMBuyoutsSecuritizedPerformingMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AdjToCompAxis_terseLabel_en-US" xlink:label="lab_ecd_AdjToCompAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Adjustment to Compensation:</link:label>
    <link:label id="lab_ecd_AdjToCompAxis_label_en-US" xlink:label="lab_ecd_AdjToCompAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Adjustment to Compensation [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AdjToCompAxis" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AdjToCompAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AdjToCompAxis" xlink:to="lab_ecd_AdjToCompAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ClassOfStockDomain_019e2838-5555-7e4d-8b78-17e8eaeec518_terseLabel_en-US" xlink:label="lab_us-gaap_ClassOfStockDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Class of Stock [Domain]</link:label>
    <link:label id="lab_us-gaap_ClassOfStockDomain_label_en-US" xlink:label="lab_us-gaap_ClassOfStockDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Class of Stock [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ClassOfStockDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ClassOfStockDomain" xlink:to="lab_us-gaap_ClassOfStockDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_Rule10b51ArrTrmntdFlag_terseLabel_en-US" xlink:label="lab_ecd_Rule10b51ArrTrmntdFlag" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Rule 10b5-1 Arrangement Terminated</link:label>
    <link:label id="lab_ecd_Rule10b51ArrTrmntdFlag_label_en-US" xlink:label="lab_ecd_Rule10b51ArrTrmntdFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Rule 10b5-1 Arrangement Terminated [Flag]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_Rule10b51ArrTrmntdFlag" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_Rule10b51ArrTrmntdFlag"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_Rule10b51ArrTrmntdFlag" xlink:to="lab_ecd_Rule10b51ArrTrmntdFlag" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AggtErrCompAmt_terseLabel_en-US" xlink:label="lab_ecd_AggtErrCompAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Aggregate Erroneous Compensation Amount</link:label>
    <link:label id="lab_ecd_AggtErrCompAmt_label_en-US" xlink:label="lab_ecd_AggtErrCompAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Aggregate Erroneous Compensation Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AggtErrCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AggtErrCompAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AggtErrCompAmt" xlink:to="lab_ecd_AggtErrCompAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestPaidNet_019e2838-5555-7a00-b373-b1005b615731_terseLabel_en-US" xlink:label="lab_us-gaap_InterestPaidNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash paid for interest</link:label>
    <link:label id="lab_us-gaap_InterestPaidNet_label_en-US" xlink:label="lab_us-gaap_InterestPaidNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Paid, Excluding Capitalized Interest, Operating Activity</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestPaidNet" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestPaidNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestPaidNet" xlink:to="lab_us-gaap_InterestPaidNet" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StatementOfCashFlowsAbstract_label_en-US" xlink:label="lab_us-gaap_StatementOfCashFlowsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statement of Cash Flows [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfCashFlowsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementOfCashFlowsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract" xlink:to="lab_us-gaap_StatementOfCashFlowsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_FairValueOptionLoansHeldForInvestment90DaysOrMorePastDueAndNonaccrualStatus_019e2838-5556-79f6-b286-b6fc9a8d1bfa_terseLabel_en-US" xlink:label="lab_foa_FairValueOptionLoansHeldForInvestment90DaysOrMorePastDueAndNonaccrualStatus" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total loans 90 days or more past due and on non-accrual status, Fair Value</link:label>
    <link:label id="lab_foa_FairValueOptionLoansHeldForInvestment90DaysOrMorePastDueAndNonaccrualStatus_label_en-US" xlink:label="lab_foa_FairValueOptionLoansHeldForInvestment90DaysOrMorePastDueAndNonaccrualStatus" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Option, Loans Held-For-Investment, 90 Days Or More Past Due And Nonaccrual Status</link:label>
    <link:label id="lab_foa_FairValueOptionLoansHeldForInvestment90DaysOrMorePastDueAndNonaccrualStatus_documentation_en-US" xlink:label="lab_foa_FairValueOptionLoansHeldForInvestment90DaysOrMorePastDueAndNonaccrualStatus" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Fair Value, Option, Loans Held-For-Investment, 90 Days Or More Past Due And Nonaccrual Status</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_FairValueOptionLoansHeldForInvestment90DaysOrMorePastDueAndNonaccrualStatus" xlink:href="foa-20260630.xsd#foa_FairValueOptionLoansHeldForInvestment90DaysOrMorePastDueAndNonaccrualStatus"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_FairValueOptionLoansHeldForInvestment90DaysOrMorePastDueAndNonaccrualStatus" xlink:to="lab_foa_FairValueOptionLoansHeldForInvestment90DaysOrMorePastDueAndNonaccrualStatus" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CreditFacilityAxis_019e2838-54b4-7fb2-8b3b-281c18c53fcf_terseLabel_en-US" xlink:label="lab_us-gaap_CreditFacilityAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Credit Facility [Axis]</link:label>
    <link:label id="lab_us-gaap_CreditFacilityAxis_label_en-US" xlink:label="lab_us-gaap_CreditFacilityAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Credit Facility [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditFacilityAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CreditFacilityAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CreditFacilityAxis" xlink:to="lab_us-gaap_CreditFacilityAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_TrdArrSecuritiesAggAvailAmt_terseLabel_en-US" xlink:label="lab_ecd_TrdArrSecuritiesAggAvailAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Aggregate Available</link:label>
    <link:label id="lab_ecd_TrdArrSecuritiesAggAvailAmt_label_en-US" xlink:label="lab_ecd_TrdArrSecuritiesAggAvailAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trading Arrangement, Securities Aggregate Available Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrSecuritiesAggAvailAmt" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_TrdArrSecuritiesAggAvailAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_TrdArrSecuritiesAggAvailAmt" xlink:to="lab_ecd_TrdArrSecuritiesAggAvailAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AssetsFairValueDisclosure_019e2838-53e6-7a18-91bf-b0b2e11c6a04_totalLabel_en-US" xlink:label="lab_us-gaap_AssetsFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total assets</link:label>
    <link:label id="lab_us-gaap_AssetsFairValueDisclosure_label_en-US" xlink:label="lab_us-gaap_AssetsFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Assets, Fair Value Disclosure</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosure" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AssetsFairValueDisclosure"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AssetsFairValueDisclosure" xlink:to="lab_us-gaap_AssetsFairValueDisclosure" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_DeferredPurchasePriceLiabilitiesMeasurementInput_019e2838-54b4-70ee-b561-9453a2a121dd_terseLabel_en-US" xlink:label="lab_foa_DeferredPurchasePriceLiabilitiesMeasurementInput" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred purchase price liabilities, measurement input</link:label>
    <link:label id="lab_foa_DeferredPurchasePriceLiabilitiesMeasurementInput_label_en-US" xlink:label="lab_foa_DeferredPurchasePriceLiabilitiesMeasurementInput" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Purchase Price Liabilities, Measurement Input</link:label>
    <link:label id="lab_foa_DeferredPurchasePriceLiabilitiesMeasurementInput_documentation_en-US" xlink:label="lab_foa_DeferredPurchasePriceLiabilitiesMeasurementInput" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred Purchase Price Liabilities, Measurement Input</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_DeferredPurchasePriceLiabilitiesMeasurementInput" xlink:href="foa-20260630.xsd#foa_DeferredPurchasePriceLiabilitiesMeasurementInput"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_DeferredPurchasePriceLiabilitiesMeasurementInput" xlink:to="lab_foa_DeferredPurchasePriceLiabilitiesMeasurementInput" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_MeasureName_terseLabel_en-US" xlink:label="lab_ecd_MeasureName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Name</link:label>
    <link:label id="lab_ecd_MeasureName_label_en-US" xlink:label="lab_ecd_MeasureName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Measure Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_MeasureName" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_MeasureName"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_MeasureName" xlink:to="lab_ecd_MeasureName" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeTaxDisclosureTextBlock_019e2838-54b4-79e7-8fd0-7668a20a06af_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeTaxDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Income Taxes</link:label>
    <link:label id="lab_us-gaap_IncomeTaxDisclosureTextBlock_label_en-US" xlink:label="lab_us-gaap_IncomeTaxDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income Tax Disclosure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxDisclosureTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeTaxDisclosureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeTaxDisclosureTextBlock" xlink:to="lab_us-gaap_IncomeTaxDisclosureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_PayVsPerformanceDisclosureLineItems_label_en-US" xlink:label="lab_ecd_PayVsPerformanceDisclosureLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Pay vs Performance Disclosure [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_PayVsPerformanceDisclosureLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="lab_ecd_PayVsPerformanceDisclosureLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019e2838-54b4-7007-b331-2107bb4e34a5_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value Hierarchy and NAV [Domain]</link:label>
    <link:label id="lab_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_label_en-US" xlink:label="lab_us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Hierarchy and NAV [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:to="lab_us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtInstrumentLineItems_019e2838-54b4-7a69-91ab-1e4265aec976_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt Instrument [Line Items]</link:label>
    <link:label id="lab_us-gaap_DebtInstrumentLineItems_label_en-US" xlink:label="lab_us-gaap_DebtInstrumentLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtInstrumentLineItems" xlink:to="lab_us-gaap_DebtInstrumentLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_PercentageOfLiquidity_019e2838-5556-7258-8682-e5e256420ad7_terseLabel_en-US" xlink:label="lab_foa_PercentageOfLiquidity" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Liquidity (in percent)</link:label>
    <link:label id="lab_foa_PercentageOfLiquidity_label_en-US" xlink:label="lab_foa_PercentageOfLiquidity" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage Of Liquidity</link:label>
    <link:label id="lab_foa_PercentageOfLiquidity_documentation_en-US" xlink:label="lab_foa_PercentageOfLiquidity" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percentage of liquidity.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_PercentageOfLiquidity" xlink:href="foa-20260630.xsd#foa_PercentageOfLiquidity"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_PercentageOfLiquidity" xlink:to="lab_foa_PercentageOfLiquidity" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_PvpTable_terseLabel_en-US" xlink:label="lab_ecd_PvpTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pay vs Performance Disclosure</link:label>
    <link:label id="lab_ecd_PvpTable_label_en-US" xlink:label="lab_ecd_PvpTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Pay vs Performance Disclosure [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PvpTable" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_PvpTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_PvpTable" xlink:to="lab_ecd_PvpTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AdditionalPaidInCapitalMember_019e2838-53e6-7abb-aca8-c58d766737a3_terseLabel_en-US" xlink:label="lab_us-gaap_AdditionalPaidInCapitalMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Additional Paid-in Capital</link:label>
    <link:label id="lab_us-gaap_AdditionalPaidInCapitalMember_label_en-US" xlink:label="lab_us-gaap_AdditionalPaidInCapitalMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Additional Paid-in Capital [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapitalMember" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AdditionalPaidInCapitalMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AdditionalPaidInCapitalMember" xlink:to="lab_us-gaap_AdditionalPaidInCapitalMember" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityFilerCategory_019e2838-5555-7a9b-a28f-046bc25df081_terseLabel_en-US" xlink:label="lab_dei_EntityFilerCategory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Filer Category</link:label>
    <link:label id="lab_dei_EntityFilerCategory_label_en-US" xlink:label="lab_dei_EntityFilerCategory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Filer Category</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityFilerCategory" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityFilerCategory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityFilerCategory" xlink:to="lab_dei_EntityFilerCategory" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_LoansHeldForInvestmentSubjectToNonrecourseDebtMember_019e2838-5556-74db-9009-d4ed170f644f_terseLabel_en-US" xlink:label="lab_foa_LoansHeldForInvestmentSubjectToNonrecourseDebtMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans held for investment, subject to nonrecourse debt</link:label>
    <link:label id="lab_foa_LoansHeldForInvestmentSubjectToNonrecourseDebtMember_label_en-US" xlink:label="lab_foa_LoansHeldForInvestmentSubjectToNonrecourseDebtMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans Held-For-Investment, Subject To Nonrecourse Debt [Member]</link:label>
    <link:label id="lab_foa_LoansHeldForInvestmentSubjectToNonrecourseDebtMember_documentation_en-US" xlink:label="lab_foa_LoansHeldForInvestmentSubjectToNonrecourseDebtMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans Held-For-Investment, Subject To Nonrecourse Debt</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_LoansHeldForInvestmentSubjectToNonrecourseDebtMember" xlink:href="foa-20260630.xsd#foa_LoansHeldForInvestmentSubjectToNonrecourseDebtMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_LoansHeldForInvestmentSubjectToNonrecourseDebtMember" xlink:to="lab_foa_LoansHeldForInvestmentSubjectToNonrecourseDebtMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfEarningsPerShareBasicByCommonClassTextBlock_019e2838-53e6-70af-8a46-0b8cdb13890e_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfEarningsPerShareBasicByCommonClassTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Basic Earnings (Loss) Per Share</link:label>
    <link:label id="lab_us-gaap_ScheduleOfEarningsPerShareBasicByCommonClassTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfEarningsPerShareBasicByCommonClassTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Earnings Per Share, Basic, by Common Class, Including Two Class Method [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfEarningsPerShareBasicByCommonClassTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfEarningsPerShareBasicByCommonClassTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfEarningsPerShareBasicByCommonClassTextBlock" xlink:to="lab_us-gaap_ScheduleOfEarningsPerShareBasicByCommonClassTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_NonAgencyReverseMortgageLoansMember_019e2838-53e6-7314-a781-04ddcdcf813d_terseLabel_en-US" xlink:label="lab_foa_NonAgencyReverseMortgageLoansMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-agency reverse mortgage loans</link:label>
    <link:label id="lab_foa_NonAgencyReverseMortgageLoansMember_label_en-US" xlink:label="lab_foa_NonAgencyReverseMortgageLoansMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non Agency Reverse Mortgage Loans [Member]</link:label>
    <link:label id="lab_foa_NonAgencyReverseMortgageLoansMember_documentation_en-US" xlink:label="lab_foa_NonAgencyReverseMortgageLoansMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Non Agency Reverse Mortgage Loans [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_NonAgencyReverseMortgageLoansMember" xlink:href="foa-20260630.xsd#foa_NonAgencyReverseMortgageLoansMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_NonAgencyReverseMortgageLoansMember" xlink:to="lab_foa_NonAgencyReverseMortgageLoansMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_TrdArrIndName_terseLabel_en-US" xlink:label="lab_ecd_TrdArrIndName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Name</link:label>
    <link:label id="lab_ecd_TrdArrIndName_label_en-US" xlink:label="lab_ecd_TrdArrIndName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trading Arrangement, Individual Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrIndName" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_TrdArrIndName"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_TrdArrIndName" xlink:to="lab_ecd_TrdArrIndName" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CashAndCashEquivalentsAtCarryingValue_019e2838-5555-7206-9a3a-30cc0a42c803_terseLabel_en-US" xlink:label="lab_us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash and cash equivalents</link:label>
    <link:label id="lab_us-gaap_CashAndCashEquivalentsAtCarryingValue_label_en-US" xlink:label="lab_us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash and Cash Equivalent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:to="lab_us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_MeasurementInputExpectedTermMember_019e2838-53e6-7a68-9bd7-c2f6dd4c50e3_terseLabel_en-US" xlink:label="lab_us-gaap_MeasurementInputExpectedTermMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">WAL (in years)</link:label>
    <link:label id="lab_us-gaap_MeasurementInputExpectedTermMember_label_en-US" xlink:label="lab_us-gaap_MeasurementInputExpectedTermMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Measurement Input, Expected Term [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputExpectedTermMember" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MeasurementInputExpectedTermMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_MeasurementInputExpectedTermMember" xlink:to="lab_us-gaap_MeasurementInputExpectedTermMember" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_ReverseMortgageLoansNonperformingHECMBuyoutsMember_019e2838-53e6-7af0-b0eb-0650b96ba59c_terseLabel_en-US" xlink:label="lab_foa_ReverseMortgageLoansNonperformingHECMBuyoutsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Nonperforming HECM buyouts</link:label>
    <link:label id="lab_foa_ReverseMortgageLoansNonperformingHECMBuyoutsMember_label_en-US" xlink:label="lab_foa_ReverseMortgageLoansNonperformingHECMBuyoutsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reverse Mortgage Loans, Nonperforming HECM Buyouts [Member]</link:label>
    <link:label id="lab_foa_ReverseMortgageLoansNonperformingHECMBuyoutsMember_documentation_en-US" xlink:label="lab_foa_ReverseMortgageLoansNonperformingHECMBuyoutsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Nonperforming HECM buyouts .</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_ReverseMortgageLoansNonperformingHECMBuyoutsMember" xlink:href="foa-20260630.xsd#foa_ReverseMortgageLoansNonperformingHECMBuyoutsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_ReverseMortgageLoansNonperformingHECMBuyoutsMember" xlink:to="lab_foa_ReverseMortgageLoansNonperformingHECMBuyoutsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_NonrecourseDebtAtFairValueTextBlock_019e2838-5555-74e4-aca2-dd87ec9f0b10_terseLabel_en-US" xlink:label="lab_foa_NonrecourseDebtAtFairValueTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Nonrecourse Debt, at Fair Value</link:label>
    <link:label id="lab_foa_NonrecourseDebtAtFairValueTextBlock_label_en-US" xlink:label="lab_foa_NonrecourseDebtAtFairValueTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Nonrecourse Debt At Fair Value [Text Block]</link:label>
    <link:label id="lab_foa_NonrecourseDebtAtFairValueTextBlock_documentation_en-US" xlink:label="lab_foa_NonrecourseDebtAtFairValueTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Nonrecourse debt at fair value.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_NonrecourseDebtAtFairValueTextBlock" xlink:href="foa-20260630.xsd#foa_NonrecourseDebtAtFairValueTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_NonrecourseDebtAtFairValueTextBlock" xlink:to="lab_foa_NonrecourseDebtAtFairValueTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_ShareRepurchaseObligation_019e2838-53e6-7e65-a816-3ca9848194d0_terseLabel_en-US" xlink:label="lab_foa_ShareRepurchaseObligation" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Repurchase agreement obligation, at fair value</link:label>
    <link:label id="lab_foa_ShareRepurchaseObligation_label_en-US" xlink:label="lab_foa_ShareRepurchaseObligation" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share Repurchase Obligation</link:label>
    <link:label id="lab_foa_ShareRepurchaseObligation_documentation_en-US" xlink:label="lab_foa_ShareRepurchaseObligation" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Share Repurchase Obligation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_ShareRepurchaseObligation" xlink:href="foa-20260630.xsd#foa_ShareRepurchaseObligation"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_ShareRepurchaseObligation" xlink:to="lab_foa_ShareRepurchaseObligation" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_VariableInterestEntityOwnershipPercentage_019e2838-54b4-7112-95c5-48aadc8bd30a_terseLabel_en-US" xlink:label="lab_us-gaap_VariableInterestEntityOwnershipPercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Beneficial interest in securitized trust (in percent)</link:label>
    <link:label id="lab_us-gaap_VariableInterestEntityOwnershipPercentage_label_en-US" xlink:label="lab_us-gaap_VariableInterestEntityOwnershipPercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variable Interest Entity, Qualitative or Quantitative Information, Ownership Percentage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityOwnershipPercentage" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_VariableInterestEntityOwnershipPercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_VariableInterestEntityOwnershipPercentage" xlink:to="lab_us-gaap_VariableInterestEntityOwnershipPercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_CoSelectedMeasureAmt_terseLabel_en-US" xlink:label="lab_ecd_CoSelectedMeasureAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Company Selected Measure Amount</link:label>
    <link:label id="lab_ecd_CoSelectedMeasureAmt_label_en-US" xlink:label="lab_ecd_CoSelectedMeasureAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Company Selected Measure Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CoSelectedMeasureAmt" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_CoSelectedMeasureAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_CoSelectedMeasureAmt" xlink:to="lab_ecd_CoSelectedMeasureAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivablesPeriodPastDueAxis_019e2838-54b4-730c-b1f3-174dbf78bd8a_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivablesPeriodPastDueAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial Asset, Period Past Due [Axis]</link:label>
    <link:label id="lab_us-gaap_FinancingReceivablesPeriodPastDueAxis_label_en-US" xlink:label="lab_us-gaap_FinancingReceivablesPeriodPastDueAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Asset, Aging [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablesPeriodPastDueAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis" xlink:to="lab_us-gaap_FinancingReceivablesPeriodPastDueAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NetIncomeLossFromContinuingOperationsAvailableToCommonShareholdersBasic_019e2838-5555-7c70-b6c9-e96643851a62_totalLabel_en-US" xlink:label="lab_us-gaap_NetIncomeLossFromContinuingOperationsAvailableToCommonShareholdersBasic" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">NET INCOME FROM CONTINUING OPERATIONS ATTRIBUTABLE TO HOLDERS OF CLASS A COMMON STOCK</link:label>
    <link:label id="lab_us-gaap_NetIncomeLossFromContinuingOperationsAvailableToCommonShareholdersBasic_label_en-US" xlink:label="lab_us-gaap_NetIncomeLossFromContinuingOperationsAvailableToCommonShareholdersBasic" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Income (Loss) from Continuing Operations Available to Common Shareholders, Basic</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossFromContinuingOperationsAvailableToCommonShareholdersBasic" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLossFromContinuingOperationsAvailableToCommonShareholdersBasic"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetIncomeLossFromContinuingOperationsAvailableToCommonShareholdersBasic" xlink:to="lab_us-gaap_NetIncomeLossFromContinuingOperationsAvailableToCommonShareholdersBasic" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityAddressAddressLine2_019e2838-53e6-7e4f-b132-c76dcd167658_terseLabel_en-US" xlink:label="lab_dei_EntityAddressAddressLine2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Address, Address Line Two</link:label>
    <link:label id="lab_dei_EntityAddressAddressLine2_label_en-US" xlink:label="lab_dei_EntityAddressAddressLine2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Address, Address Line Two</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressAddressLine2" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityAddressAddressLine2"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressAddressLine2" xlink:to="lab_dei_EntityAddressAddressLine2" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_SecuredNotesAnd2025UnsecuredNotesMember_019e2838-54b4-767c-84d6-e12217ecf311_terseLabel_en-US" xlink:label="lab_foa_SecuredNotesAnd2025UnsecuredNotesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Secured Notes And 2025 Unsecured Notes</link:label>
    <link:label id="lab_foa_SecuredNotesAnd2025UnsecuredNotesMember_label_en-US" xlink:label="lab_foa_SecuredNotesAnd2025UnsecuredNotesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Secured Notes And 2025 Unsecured Notes [Member]</link:label>
    <link:label id="lab_foa_SecuredNotesAnd2025UnsecuredNotesMember_documentation_en-US" xlink:label="lab_foa_SecuredNotesAnd2025UnsecuredNotesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Secured Notes And 2025 Unsecured Notes</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_SecuredNotesAnd2025UnsecuredNotesMember" xlink:href="foa-20260630.xsd#foa_SecuredNotesAnd2025UnsecuredNotesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_SecuredNotesAnd2025UnsecuredNotesMember" xlink:to="lab_foa_SecuredNotesAnd2025UnsecuredNotesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019e2838-54b4-7228-934a-4b4391f96a06_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Accounts, Notes, Loans and Financing Receivable [Table]</link:label>
    <link:label id="lab_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_label_en-US" xlink:label="lab_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accounts and Financing Receivables [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:to="lab_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ProfitLoss_019e2838-53e6-7108-a4cc-af9f15c59610_totalLabel_en-US" xlink:label="lab_us-gaap_ProfitLoss" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">NET INCOME (LOSS)</link:label>
    <link:label id="lab_us-gaap_ProfitLoss_019e2838-53e6-7636-b53b-0fbc19be464b_terseLabel_en-US" xlink:label="lab_us-gaap_ProfitLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">NET INCOME (LOSS)</link:label>
    <link:label id="lab_us-gaap_ProfitLoss_019e2838-53e6-76bb-89b0-e5f322e6e3c5_verboseLabel_en-US" xlink:label="lab_us-gaap_ProfitLoss" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Net income (loss)</link:label>
    <link:label id="lab_us-gaap_ProfitLoss_019e2838-53e6-7aaa-83a4-88c00aa1dba5_netLabel_en-US" xlink:label="lab_us-gaap_ProfitLoss" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:type="resource" xml:lang="en-US">Net income</link:label>
    <link:label id="lab_us-gaap_ProfitLoss_label_en-US" xlink:label="lab_us-gaap_ProfitLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Income (Loss), Including Portion Attributable to Noncontrolling Interest</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfitLoss" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProfitLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProfitLoss" xlink:to="lab_us-gaap_ProfitLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TangibleCapital_019e2838-53e6-7bc1-96ea-8e39f5d42954_terseLabel_en-US" xlink:label="lab_us-gaap_TangibleCapital" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Tangible capital, actual</link:label>
    <link:label id="lab_us-gaap_TangibleCapital_label_en-US" xlink:label="lab_us-gaap_TangibleCapital" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Tangible Capital, Actual</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TangibleCapital" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TangibleCapital"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TangibleCapital" xlink:to="lab_us-gaap_TangibleCapital" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_NonPeoNeoMember_terseLabel_en-US" xlink:label="lab_ecd_NonPeoNeoMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-PEO NEO</link:label>
    <link:label id="lab_ecd_NonPeoNeoMember_label_en-US" xlink:label="lab_ecd_NonPeoNeoMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-PEO NEO [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonPeoNeoMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_NonPeoNeoMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_NonPeoNeoMember" xlink:to="lab_ecd_NonPeoNeoMember" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_LineOfCreditFacilityAccordionFeatureHigherBorrowingCapacityOption_019fd432-1be9-7be0-ab5f-a5cebdbd743d_terseLabel_en-US" xlink:label="lab_foa_LineOfCreditFacilityAccordionFeatureHigherBorrowingCapacityOption" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Higher borrowing capacity option</link:label>
    <link:label id="lab_foa_LineOfCreditFacilityAccordionFeatureHigherBorrowingCapacityOption_label_en-US" xlink:label="lab_foa_LineOfCreditFacilityAccordionFeatureHigherBorrowingCapacityOption" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Line of Credit Facility, Accordion Feature, Higher Borrowing Capacity Option</link:label>
    <link:label id="lab_foa_LineOfCreditFacilityAccordionFeatureHigherBorrowingCapacityOption_documentation_en-US" xlink:label="lab_foa_LineOfCreditFacilityAccordionFeatureHigherBorrowingCapacityOption" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Line of Credit Facility, Accordion Feature, Higher Borrowing Capacity Option</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_LineOfCreditFacilityAccordionFeatureHigherBorrowingCapacityOption" xlink:href="foa-20260630.xsd#foa_LineOfCreditFacilityAccordionFeatureHigherBorrowingCapacityOption"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_LineOfCreditFacilityAccordionFeatureHigherBorrowingCapacityOption" xlink:to="lab_foa_LineOfCreditFacilityAccordionFeatureHigherBorrowingCapacityOption" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SeniorNotesMember_019e2838-53e6-7a4d-a16d-c534c7334971_terseLabel_en-US" xlink:label="lab_us-gaap_SeniorNotesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Senior Notes</link:label>
    <link:label id="lab_us-gaap_SeniorNotesMember_label_en-US" xlink:label="lab_us-gaap_SeniorNotesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Senior Notes [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeniorNotesMember" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SeniorNotesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SeniorNotesMember" xlink:to="lab_us-gaap_SeniorNotesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityAddressAddressLine1_019e2838-53e6-77a9-b9d8-420003e3db97_terseLabel_en-US" xlink:label="lab_dei_EntityAddressAddressLine1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Address, Address Line One</link:label>
    <link:label id="lab_dei_EntityAddressAddressLine1_label_en-US" xlink:label="lab_dei_EntityAddressAddressLine1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Address, Address Line One</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressAddressLine1" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityAddressAddressLine1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressAddressLine1" xlink:to="lab_dei_EntityAddressAddressLine1" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_LoanOriginationGainLoss_019e2838-5555-7671-b52f-0d44758be07c_terseLabel_en-US" xlink:label="lab_foa_LoanOriginationGainLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net origination gains</link:label>
    <link:label id="lab_foa_LoanOriginationGainLoss_019e2838-5555-716d-9616-c98cd875d894_verboseLabel_en-US" xlink:label="lab_foa_LoanOriginationGainLoss" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Net origination gains</link:label>
    <link:label id="lab_foa_LoanOriginationGainLoss_label_en-US" xlink:label="lab_foa_LoanOriginationGainLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loan Origination Gain (Loss)</link:label>
    <link:label id="lab_foa_LoanOriginationGainLoss_documentation_en-US" xlink:label="lab_foa_LoanOriginationGainLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loan Origination Gain (Loss)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_LoanOriginationGainLoss" xlink:href="foa-20260630.xsd#foa_LoanOriginationGainLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_LoanOriginationGainLoss" xlink:to="lab_foa_LoanOriginationGainLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeTaxExpenseBenefit_019e2838-54b4-78fd-b001-fa76c640c9fe_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeTaxExpenseBenefit" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Provision (benefit) for income taxes from continuing operations</link:label>
    <link:label id="lab_us-gaap_IncomeTaxExpenseBenefit_label_en-US" xlink:label="lab_us-gaap_IncomeTaxExpenseBenefit" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income Tax Expense (Benefit)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit" xlink:to="lab_us-gaap_IncomeTaxExpenseBenefit" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityTransfersNet_019e2838-5555-7b84-ab23-33cb306f4d2d_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityTransfersNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Transfers out between categories</link:label>
    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityTransfersNet_label_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityTransfersNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Liability, Transfers, Net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityTransfersNet" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityTransfersNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityTransfersNet" xlink:to="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityTransfersNet" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ConvertibleNotesPayableMember_019e2838-54b4-756c-910d-b931110876db_terseLabel_en-US" xlink:label="lab_us-gaap_ConvertibleNotesPayableMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Convertible Notes Payable</link:label>
    <link:label id="lab_us-gaap_ConvertibleNotesPayableMember_label_en-US" xlink:label="lab_us-gaap_ConvertibleNotesPayableMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Convertible Notes Payable [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConvertibleNotesPayableMember" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ConvertibleNotesPayableMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ConvertibleNotesPayableMember" xlink:to="lab_us-gaap_ConvertibleNotesPayableMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AwardTmgMethodTextBlock_terseLabel_en-US" xlink:label="lab_ecd_AwardTmgMethodTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Award Timing Method</link:label>
    <link:label id="lab_ecd_AwardTmgMethodTextBlock_label_en-US" xlink:label="lab_ecd_AwardTmgMethodTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Award Timing Method [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgMethodTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AwardTmgMethodTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AwardTmgMethodTextBlock" xlink:to="lab_ecd_AwardTmgMethodTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LoanOriginationCommitmentsMember_019e2838-5555-72d0-b483-4d8502782460_terseLabel_en-US" xlink:label="lab_us-gaap_LoanOriginationCommitmentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loan origination commitments</link:label>
    <link:label id="lab_us-gaap_LoanOriginationCommitmentsMember_label_en-US" xlink:label="lab_us-gaap_LoanOriginationCommitmentsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loan Origination Commitments [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoanOriginationCommitmentsMember" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LoanOriginationCommitmentsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LoanOriginationCommitmentsMember" xlink:to="lab_us-gaap_LoanOriginationCommitmentsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_019e2838-53e6-7894-ac4f-3aa70e7cb82f_totalLabel_en-US" xlink:label="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net increase (decrease) in cash and cash equivalents and restricted cash</link:label>
    <link:label id="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_label_en-US" xlink:label="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash, Cash Equivalent, Restricted Cash, and Restricted Cash Equivalent, Period Increase (Decrease), Including Exchange Rate Effect and Discontinued Operation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect" xlink:to="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock_terseLabel_en-US" xlink:label="lab_ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Forgone Recovery, Explanation of Impracticability</link:label>
    <link:label id="lab_ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock_label_en-US" xlink:label="lab_ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Forgone Recovery, Explanation of Impracticability [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock" xlink:to="lab_ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_LoansHeldForInvestmentMeasurementInput_019e2838-5555-7c63-b657-d8da43742fa5_terseLabel_en-US" xlink:label="lab_foa_LoansHeldForInvestmentMeasurementInput" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans held-for-investment, measurement input</link:label>
    <link:label id="lab_foa_LoansHeldForInvestmentMeasurementInput_label_en-US" xlink:label="lab_foa_LoansHeldForInvestmentMeasurementInput" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans Held-For-Investment, Measurement Input</link:label>
    <link:label id="lab_foa_LoansHeldForInvestmentMeasurementInput_documentation_en-US" xlink:label="lab_foa_LoansHeldForInvestmentMeasurementInput" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans Held-For-Investment, Measurement Input</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_LoansHeldForInvestmentMeasurementInput" xlink:href="foa-20260630.xsd#foa_LoansHeldForInvestmentMeasurementInput"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_LoansHeldForInvestmentMeasurementInput" xlink:to="lab_foa_LoansHeldForInvestmentMeasurementInput" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember_019e2838-5556-792a-a1c5-77f8dec867c7_terseLabel_en-US" xlink:label="lab_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Variable Interest Entity, Primary Beneficiary</link:label>
    <link:label id="lab_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember_label_en-US" xlink:label="lab_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variable Interest Entity, Primary Beneficiary [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_VariableInterestEntityPrimaryBeneficiaryMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember" xlink:to="lab_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NetIncomeLoss_019e2838-53e6-7f96-b9e8-2cc40941fa48_totalLabel_en-US" xlink:label="lab_us-gaap_NetIncomeLoss" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">NET INCOME ATTRIBUTABLE TO CONTROLLING INTEREST</link:label>
    <link:label id="lab_us-gaap_NetIncomeLoss_label_en-US" xlink:label="lab_us-gaap_NetIncomeLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Income (Loss) Attributable to Parent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetIncomeLoss" xlink:to="lab_us-gaap_NetIncomeLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfEarningsPerShareDilutedByCommonClassTextBlock_019e2838-53e6-7247-bc02-6c1397ba4c44_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfEarningsPerShareDilutedByCommonClassTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Diluted Earnings (Loss) Per Share</link:label>
    <link:label id="lab_us-gaap_ScheduleOfEarningsPerShareDilutedByCommonClassTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfEarningsPerShareDilutedByCommonClassTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Earnings Per Share, Diluted, by Common Class, Including Two Class Method [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfEarningsPerShareDilutedByCommonClassTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfEarningsPerShareDilutedByCommonClassTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfEarningsPerShareDilutedByCommonClassTextBlock" xlink:to="lab_us-gaap_ScheduleOfEarningsPerShareDilutedByCommonClassTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LongtermDebtTypeAxis_019e2838-54b4-7575-8677-b0cc0d11922c_terseLabel_en-US" xlink:label="lab_us-gaap_LongtermDebtTypeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Long-term Debt, Type [Axis]</link:label>
    <link:label id="lab_us-gaap_LongtermDebtTypeAxis_label_en-US" xlink:label="lab_us-gaap_LongtermDebtTypeAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Long-Term Debt, Type [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongtermDebtTypeAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LongtermDebtTypeAxis" xlink:to="lab_us-gaap_LongtermDebtTypeAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_ErrCompAnalysisTextBlock_terseLabel_en-US" xlink:label="lab_ecd_ErrCompAnalysisTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Erroneous Compensation Analysis</link:label>
    <link:label id="lab_ecd_ErrCompAnalysisTextBlock_label_en-US" xlink:label="lab_ecd_ErrCompAnalysisTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Erroneous Compensation Analysis [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ErrCompAnalysisTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_ErrCompAnalysisTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_ErrCompAnalysisTextBlock" xlink:to="lab_ecd_ErrCompAnalysisTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax_019e2838-5555-73fb-9d6d-c0c5e34ebff1_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">NET LOSS FROM DISCONTINUED OPERATIONS</link:label>
    <link:label id="lab_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax_019e2838-5555-7a81-9bb4-ba5336b07b21_verboseLabel_en-US" xlink:label="lab_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Net loss from discontinued operations</link:label>
    <link:label id="lab_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax_label_en-US" xlink:label="lab_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income (Loss) from Discontinued Operations, Net of Tax, Including Portion Attributable to Noncontrolling Interest</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax" xlink:to="lab_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StatementTable_019e2838-5556-7434-b060-8435ab0a06f4_terseLabel_en-US" xlink:label="lab_us-gaap_StatementTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Statement [Table]</link:label>
    <link:label id="lab_us-gaap_StatementTable_label_en-US" xlink:label="lab_us-gaap_StatementTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statement [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementTable" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StatementTable" xlink:to="lab_us-gaap_StatementTable" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_RestatementDateAxis_terseLabel_en-US" xlink:label="lab_ecd_RestatementDateAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Restatement Determination Date:</link:label>
    <link:label id="lab_ecd_RestatementDateAxis_label_en-US" xlink:label="lab_ecd_RestatementDateAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Restatement Determination Date [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_RestatementDateAxis" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_RestatementDateAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_RestatementDateAxis" xlink:to="lab_ecd_RestatementDateAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_FairValueMeasurementsWithUnobservableInputsReconciliationRecurringBasisLiabilitiesSalesAndDeletions_019e2838-54b4-7b70-a7b0-ab3130b6f16d_terseLabel_en-US" xlink:label="lab_foa_FairValueMeasurementsWithUnobservableInputsReconciliationRecurringBasisLiabilitiesSalesAndDeletions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Settlements</link:label>
    <link:label id="lab_foa_FairValueMeasurementsWithUnobservableInputsReconciliationRecurringBasisLiabilitiesSalesAndDeletions_label_en-US" xlink:label="lab_foa_FairValueMeasurementsWithUnobservableInputsReconciliationRecurringBasisLiabilitiesSalesAndDeletions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Measurements With Unobservable Inputs Reconciliation Recurring Basis Liabilities Sales And Deletions</link:label>
    <link:label id="lab_foa_FairValueMeasurementsWithUnobservableInputsReconciliationRecurringBasisLiabilitiesSalesAndDeletions_documentation_en-US" xlink:label="lab_foa_FairValueMeasurementsWithUnobservableInputsReconciliationRecurringBasisLiabilitiesSalesAndDeletions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Fair value measurements with unobservable inputs reconciliation recurring basis liabilities sales and deletions.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_FairValueMeasurementsWithUnobservableInputsReconciliationRecurringBasisLiabilitiesSalesAndDeletions" xlink:href="foa-20260630.xsd#foa_FairValueMeasurementsWithUnobservableInputsReconciliationRecurringBasisLiabilitiesSalesAndDeletions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_FairValueMeasurementsWithUnobservableInputsReconciliationRecurringBasisLiabilitiesSalesAndDeletions" xlink:to="lab_foa_FairValueMeasurementsWithUnobservableInputsReconciliationRecurringBasisLiabilitiesSalesAndDeletions" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_MortgageLineOfCreditMember_019e2838-5555-7a29-a728-9607a8b2f60a_terseLabel_en-US" xlink:label="lab_foa_MortgageLineOfCreditMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mortgage line</link:label>
    <link:label id="lab_foa_MortgageLineOfCreditMember_label_en-US" xlink:label="lab_foa_MortgageLineOfCreditMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mortgage Line Of Credit [Member]</link:label>
    <link:label id="lab_foa_MortgageLineOfCreditMember_documentation_en-US" xlink:label="lab_foa_MortgageLineOfCreditMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Mortgage Line Of Credit.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_MortgageLineOfCreditMember" xlink:href="foa-20260630.xsd#foa_MortgageLineOfCreditMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_MortgageLineOfCreditMember" xlink:to="lab_foa_MortgageLineOfCreditMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeLossFromContinuingOperations_019e2838-5555-753e-972f-f82db1880afb_totalLabel_en-US" xlink:label="lab_us-gaap_IncomeLossFromContinuingOperations" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">NET INCOME FROM CONTINUING OPERATIONS ATTRIBUTABLE TO CONTROLLING INTEREST</link:label>
    <link:label id="lab_us-gaap_IncomeLossFromContinuingOperations_label_en-US" xlink:label="lab_us-gaap_IncomeLossFromContinuingOperations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income (Loss) from Continuing Operations, Net of Tax, Attributable to Parent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperations" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeLossFromContinuingOperations"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperations" xlink:to="lab_us-gaap_IncomeLossFromContinuingOperations" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_GovernmentGuaranteedReceivablesNet_019e2838-54b4-7dd4-a22e-9a2663bdba5a_terseLabel_en-US" xlink:label="lab_foa_GovernmentGuaranteedReceivablesNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Government guaranteed receivables</link:label>
    <link:label id="lab_foa_GovernmentGuaranteedReceivablesNet_label_en-US" xlink:label="lab_foa_GovernmentGuaranteedReceivablesNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Government Guaranteed Receivables, Net</link:label>
    <link:label id="lab_foa_GovernmentGuaranteedReceivablesNet_documentation_en-US" xlink:label="lab_foa_GovernmentGuaranteedReceivablesNet" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Government Guaranteed Receivables, Net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_GovernmentGuaranteedReceivablesNet" xlink:href="foa-20260630.xsd#foa_GovernmentGuaranteedReceivablesNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_foa_GovernmentGuaranteedReceivablesNet" xlink:to="lab_foa_GovernmentGuaranteedReceivablesNet" xlink:type="arc" order="1"/>
    <link:label id="lab_foa_DeferredPurchaseLiabilitiesAtFairValue_019e2838-54b4-7bfc-b2dc-a9fff55cfeb7_terseLabel_en-US" xlink:label="lab_foa_DeferredPurchaseLiabilitiesAtFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">AAG/Bloom</link:label>
    <link:label id="lab_foa_DeferredPurchaseLiabilitiesAtFairValue_label_en-US" xlink:label="lab_foa_DeferredPurchaseLiabilitiesAtFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Purchase Liabilities At Fair Value</link:label>
    <link:label id="lab_foa_DeferredPurchaseLiabilitiesAtFairValue_documentation_en-US" xlink:label="lab_foa_DeferredPurchaseLiabilitiesAtFairValue" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred Purchase Liabilities At Fair Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_foa_DeferredPurchaseLiabilitiesAtFairValue" xlink:href="foa-20260630.xsd#foa_DeferredPurchaseLiabilitiesAtFairValue"/>
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    <link:label id="lab_us-gaap_ScheduleOfOtherAssetsTableTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfOtherAssetsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Other Assets [Table Text Block]</link:label>
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    <link:label id="lab_foa_OtherAssetsOther_label_en-US" xlink:label="lab_foa_OtherAssetsOther" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Assets, Other</link:label>
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    <link:label id="lab_foa_HECMBuyoutsSecuritizedNonperformingMember_documentation_en-US" xlink:label="lab_foa_HECMBuyoutsSecuritizedNonperformingMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">HECM Buyouts Securitized [Member]</link:label>
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    <link:label id="lab_us-gaap_NetIncomeLossAvailableToCommonStockholdersDilutedAbstract_label_en-US" xlink:label="lab_us-gaap_NetIncomeLossAvailableToCommonStockholdersDilutedAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Income (Loss) Available to Common Stockholders, Diluted [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDilutedAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersDilutedAbstract"/>
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