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Michael Bowers

Branch Manager | HECM Specialist

NMLS# 61535

c: 513-680-6168 | f: 513-800-2880

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 LifeStyle Home Loan 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 dealing with my Boomer Clients, I have become a teacher/educator, counselor, friend, and retirement income advisor.

The life expectancy in 2020 – for a female age 65 is 92/93 – that is like being unemployed for the next 27 to 28 years. That means that 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 longer periods of retirement; than they could ever have imagined.

For retirees, we have had historic low-interest rates for the last decade, and with the extreme volatility in the stock market – it is no wonder that retirees are all scratching their heads and wondering how to fund their retirement.

Two-thirds of 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 returns on their retirement and asset accounts, while the cost of living continues to go up. Controlling and paying for the cost of shelter consumes over one-third of Boomer retirement income.

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

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Common Examples of What a HECM Can Help You Do

  • Purchase a new home to fit your lifestyle needs
  • Reduce monthly expenses by paying off existing mortgage
  • Enhance your cash flow
  • Create an emergency fund
  • Fund for home repairs or upgrades
  • Fund the expense for caregivers, live-in nurses, or other in-home care
  • Protect your retirement portfolio
  • Reduce monthly expenses by paying debt
  • Incorporate housing wealth into your retirement plan
  • Increase cash to help ensure monthly bills are paid
  • Reduce the burden of out-of-pocket healthcare costs
  • Have the cash for a large expense, such as a vacation or vehicle
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