About Me
Ann Marie Stemen — Lifestyle Home Loan Specialist
For more than 17 years, I have dedicated my career to helping adults age 62 and better make one of the most important financial decisions of their lives—purchasing their next home with confidence.
As the nation’s leading Lifestyle Home Loan specialists with Mutual of Omaha Mortgage, I work with homebuyers, builders, real estate professionals, and financial advisors across the country to educate clients on financing strategies that preserve retirement assets while helping them purchase the home that best fits the lifestyle they envision.
Many people are surprised to learn that the Lifestyle Home Loan is actually a federally insured reverse mortgage designed specifically for purchasing a home. Unfortunately, most people only know reverse mortgages from television commercials, which almost always focus on homeowners accessing equity in the home they already own. While that can be an excellent solution for many people, it is only one application of the program.
One of my greatest passions is helping clients understand the difference between the reverse mortgages they’ve seen advertised and the strategies available today. Depending on your goals, a traditional reverse mortgage, a Lifestyle Home Loan for purchasing your next home, a conventional mortgage, or even paying cash may be the best choice. My role isn’t to steer you toward one option—it’s to educate you on all of them.
That’s why my team prepares personalized side-by-side comparisons showing the financial impact of purchasing with a Lifestyle Home Loan, a conventional mortgage, or paying cash. We examine how each option affects your cash flow, liquidity, retirement investments, estate planning, and long-term financial flexibility. When clients can clearly see the numbers, they make decisions with confidence rather than uncertainty.
As the National Lifestyle Home Loan Account Manager for many of the country’s premier active-adult builders, including Epcon Communities, I also provide education and training to builders, Realtors®, and financial advisors so they can better serve homebuyers age 62 and better.
Throughout my career, I’ve been honored to help thousands of families transition into the next chapter of their lives. Whether they’re downsizing, relocating closer to family, purchasing a retirement home, or simply looking for a smarter way to finance their next home, I believe every client deserves honest guidance, personalized advice, and exceptional service.
Outside of work, my greatest joy comes from spending time with my husband, Dan, and our family. I enjoy traveling, staying active, personal growth, and continually learning. My Christian faith is the foundation of both my life and my business, reminding me that serving others with integrity, compassion, and excellence is always more important than closing a loan.
Helping people discover options they never knew existed—and watching the peace of mind that comes from making an informed decision—is what continues to inspire me every day. My goal isn’t simply to help you obtain a mortgage; it’s to help you choose the financing strategy that best supports the life you want to live.
