Unique Housing Solutions
I’m Mike Bowers — Tri-State Branch Manager for Mutual of Omaha Mortgage and a Certified Reverse Mortgage Professional (CRMP). I am proud to have dedicated over 23 years of my 40-year financial services career exclusively to serving our nation’s retirees — America’s Boomers.
What I am known for...
What I am known for is my passion and purpose: helping fellow seniors navigate the financial realities of ever-longer retirements with clarity, dignity, and confidence.
Serving Boomers is my purpose and passion. Every day, I have the privilege of helping retirees — your mothers and fathers, aunts and uncles — secure a higher quality of life for themselves and their families. After leaving the workforce, Boomers can live an additional 18 to 25 years. That is the equivalent of being unemployed for a very long period of time, with no new income to cover rising expenses.
I love what I do — and the people I do it for. My motivation comes from knowing that I’m not just originating loans; I’m creating peace of mind, dignity, and freedom for those entering one of life’s most important chapters. At Mutual of Omaha, we share a commitment: to protect lives, families, homes, and legacies.
HOW I HELP — AVOIDING COSTLY RETIREMENT MISTAKES
Controlling the cost of shelter is the #1 goal. In full retirement, the challenges compound:
• Real estate taxes that keep rising
• Homeowner’s insurance premiums
• Utility bills and ongoing home maintenance
• Medical and transportation expenses
• No paycheck to absorb these rising costs
Two-thirds of all Boomer net worth is locked up in home equity — often more than all retirement accounts combined. I help clients unlock that equity strategically through the FHA HECM Lifestyle Home Loan, creating predictable monthly income, greater liquidity, and lasting peace of mind.
WHAT IS A LIFESTYLE HOME LOAN (HECM)?
A Home Equity Conversion Mortgage (HECM) is a federally insured reverse mortgage for eligible homeowners age 62 and older.
It allows you to access a portion of your home equity as cash flow, a line of credit, or lump sum — while continuing to live in and own your home.
The FHA HECM for Purchase (H4P) allows eligible buyers to purchase a new home using this financing.
Retirement Duration: 18 to 25 years (the equivalent of being unemployed for two decades)
Boomer Home Equity: Two-thirds of all Boomer net worth is held in home equity
Don't worry, we can help!
TESTIMONIALS
What others are saying
KNOWELDGEABLE
Applying for a REVERSE MORTGAGE could become a nightmare of confusion. It does not have to be that way. I did the smart thing by connecting with Mike Bowers of Mutual of Omaha. Working with a most knowledgeable senior agent with a leading reverse mortgage company I had no worries. I will simply say that Mr. Bowers “held my hand” every step of the way. What could have been a nightmare was a most pleasant experience. Without fail any time I left a voice mail, sent an email or a text I received a reply before sundown. Mike was so helpful and kind at the conclusion I felt like I had a new brother.
Robert Kramer
Finally Retirement
Your people have been informative, courteous and easy to work with. Questions were answered quickly or within a reasonable amount of time. Your work has enabled me to finally retire and spend time with my wife and grandchildren.
GEORGE
Ease of Process
Ease in which I was guided through the process! I had formerly been of the understand that this was a “bad thing to do?” It was not until I had personally spoken to Mike, and had the full process explained, that I really understood the wonderful service you are doing for us?
Polly Walter
Mike Bowers, CRMP | (513) 680-6168 | [email protected]
4555 Lake Forest Dr, Suite 650, Cincinnati, OH 45242 | NMLS# 61535
Copyrights 2026
These materials are not from HUD or FHA and were not approved by any Government Agency. Subject to credit approval. © Mutual of Omaha Mortgage 2026