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
HOME REPAIRS
Mike Bowers was amazing and so helpful! Thanks to everything he helped my mother with she is able to stay in her home. After the completion of the HECM Reverse Refinance loan I was able to get my mother the stair lift chair she needed so badly. We replaced the falling down deck on the house with a new patio seating area. Update some kitchen things and the biggest thing of all! The night before closing her very old furnace stopped! The whole unit needed replaced it was so old. This was in winter but thanks to the loan we had it replaced the same week! I am so grateful for everything Mike did for us he was so patient and explained everything so well. My mom can live out her final years in financial comfort without worrying thanks to the growing line of credit.
Alissa
EASE OF PROCESS
Michael Bowers and Nancy Shelburne are awesome to work with! I had a series of issues that most people do not have. This made the processing of this loan much more difficult than normal. Mike and Nancy were always very supportive, and very helpful. They never gave up, even though it took many extra months, to get this loan processed. I would highly recommend using their services if you want someone who is consistent, readily available, very responsive, and very professional!
JEAN
Can I Get a Reverse Mortgage If My Home Is in a Trust? What Cincinnati Homeowners Need to Know
Yes, many homes held in a living trust can qualify for a HECM, but trust problems are a common cause of delays. Mike Bowers, CRMP, explains what Ohio and Kentucky homeowners should check first. ...more
Reverse Mortgage
October 26, 2026•3 min read
Should You Delay Social Security? How a Lifestyle Home Loan Can Bridge the Gap to Age 70
Waiting until 70 can increase your Social Security benefit by roughly 77% compared with claiming at 62. Mike Bowers, CRMP, explains how Cincinnati retirees use home equity to bridge the gap. ...more
Social Security
October 19, 2026•4 min read
The HECM Line of Credit: The Retirement Safety Net Most Cincinnati Homeowners Have Never Heard Of Meta description: A HECM line of credit can grow over time and can't be frozen or
A HECM line of credit can grow over time and can't be frozen or reduced. Mike Bowers, CRMP, explains how Cincinnati-area retirees use it as a standby safety net. ...more
Reverse Mortgage
October 12, 2026•4 min read
The CRMP (Certified Reverse Mortgage Professional) designation is the highest industry credential for reverse mortgage professionals, awarded by the National Reverse Mortgage Lenders Association (NRMLA). It distinguishes loan officers and brokers who demonstrate superior knowledge, competency, and a strict commitment to ethical practices.
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