Michael Bowers

Lifestyle Home Loan Originator

NMSL #61535

4555 Lake Forest Drive Suite 650, Cincinnati, OH 45242

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About Me

Few things in my life have created and stirred within me the desire to excel as a person and as a loan officer, like the FHA HECM mortgage program(s).
Since 2003, I have exclusively dedicated myself to serving our nation’s Senior population, aka Boomers. Serving Boomers has been, and continues to be, a fantastic career choice. How many of us can honestly say that we feel good about ourselves and the work that we do every day?
I thrive on the knowledge and satisfaction that I am helping retirees to secure a better quality of life for themselves and their families while allowing them to retire with the respect and dignity that we all desire.

As a professional loan officer dealing with my Boomer Clients, I have become a teacher/ educator, counselor, friend, and HECM LifeStyle retirement income advisor.
The life expectancy in 2025 – for a female age 65 approximately 50% of the ladies are projected to live until 92/93. That’s like being unemployed for the next 27 to 28 years. That means your savings and retirement accounts must last for a very long time.
I have learned from years of experience how to analyze and present useful financial “options and choices” to help my Clients successfully plan and navigate much longer periods of retirement; than they could ever have imagine or planned. My mission is to provide exceptional service and expert advice to my clients, while always putting their needs first.

We have had historic low-interest rates for over a decade. Today mortgage rates have returned to normal ranges. Then with the extreme volatility in the stock market – it is no wonder that most retirees are scratching their heads and wondering how they will safely fund their retirement.
Two-thirds of all Boomer net worth is “locked up” in the equity of their home. For some, it’s more than the value of all of their retirement accounts. Their current and future monthly income is continually challenged by historically low return rate on their retirement and personal accounts, while the costs of living continue to go up. Controlling and paying for the cost of shelter consumes over one-third of all after-tax retirement income.

Boomers must learn how to monetize their “locked-up equity” in their homes. They must learn how to preserve and conservatively use all financial assets. They must plan today to ensure that they will be living in a home that will meet their current and future lifestyle needs. That might mean planning to “age-in-place” in their current home or selling their existing house and moving to a single level ranch, garden-style home. Boomers want and need to know all of their financial Options and Choices!