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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, Ohio 45242 | Licensed in Florida, Indiana, Kentucky, Ohio, and Tennessee

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About Me

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About Michael Bowers

I’m Michael Bowers, and I have the privilege of being a Reverse Mortgage Loan Officer with Mutual of Omaha Mortgage. Few things in my life have ignited a passion and a drive in me quite like the LifeStyle Home Loan mortgage program (also known as HECM for purchase or reverse mortgage for purchase).

Since 2003, my professional journey has been dedicated exclusively to serving our nation’s senior population, affectionately known as Boomers. This career choice not only fulfills me but also allows me to make a meaningful difference in the lives of many.

A Commitment to Boomers

Working with Boomers is more than just a job; it’s a calling. Each day, I’m reminded of the impact I can make, helping retirees secure a better quality of life and retire with the dignity and respect they deserve. In my role, I wear many hats — educator, counselor, friend, and retirement income advisor. This multifaceted approach ensures that I’m not just providing a service, but also building lasting relationships and offering tailored financial guidance.

Navigating Retirement Challenges

The reality of retirement today is starkly different from previous generations. With life expectancies increasing, a 65-year-old today might be looking at 27 to 28 years of retirement. This longevity requires a robust financial strategy to ensure that savings and retirement accounts can withstand the test of time. I’ve spent years honing my skills in presenting viable financial options and choices that empower my clients to navigate these extended retirement periods successfully.

Addressing Financial Uncertainties

The last decade’s historically low-interest rates and the stock market’s volatility have left many retirees uncertain about their financial futures. With a significant portion of Boomer’s net worth tied up in home equity, understanding how to unlock and wisely use this asset is crucial. My goal is to help clients manage their expenses effectively, especially the cost of housing, which can consume a significant portion of retirement income.

Licensed Expertise

I am licensed to originate loans in Florida, Indiana, Kentucky, Ohio, and Tennessee. My expertise and dedication to ethical practices in these states ensure that I provide the best possible service to my clients.

Community Involvement

My commitment to supporting retirees extends beyond my professional role. I actively collaborate with local organizations like Cincinnati Aging Resource Experts, A Better Solution in Home Care, and Genesis at Work Foundation. As a member of the FPA of Southwest Ohio, I stay connected with industry trends and community needs.

Personal Life and Interests

When I’m not helping clients navigate their retirement options, I enjoy spending time outdoors, hiking, and exploring Summit Park and Sharon Woods with my great-grandson Monroe. Family time is precious to me, and activities with my loved ones and our family dog, Zuko, are my favorite way to unwind.

My Great-grandson Monroe with our dog Zuko

A Career Dedicated to Service

With over 40 years of experience as a residential mortgage lender, my focus has always been on addressing the retirement income needs of Boomers. By offering financial solutions that ease the burden of homeownership expenses, I aim to ensure that every retiree can enjoy a successful and comfortable retirement.

In choosing me as your Reverse Mortgage Loan Officer, you’re not just getting a financial advisor; you’re gaining a committed partner dedicated to helping you secure a stable and fulfilling retirement. Let’s explore how we can unlock the potential of your home equity to support your retirement dreams.

To get started, fill out the form on this page or give me a call at 513-680-6168.

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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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