Ann Marie Stemen

Ann Marie Stemen is an author, speaker, trainer, and expert in Lifestyle Home Loans (also known as Home Equity Conversion Mortgages for Purchase). She is a highly sought-after TV and radio guest, having been featured on NBC4 and in The Columbus Dispatch as a leading Boomer market influencer. Ann Marie has also collaborated with Jeff Shore, the nation’s top sales trainer for the homebuilding industry.

However, what truly drives Ann Marie is her passion for training Builder Sales Consultants, Realtors, and Financial Advisors on how the Lifestyle Home Loan can empower Boomers aged 62 and older to purchase their dream home—without the burden of monthly mortgage payments.

As a Boomer herself, Ann Marie understands the challenges of navigating life transitions and managing financial planning during retirement. In 2004, she was inspired to enter the mortgage industry after realizing the lack of accessible information about age-based lending, particularly for retirees on fixed incomes.

Sixteen years ago, when Ann Marie first discovered the Lifestyle Home Loan program, she was immediately excited by its potential. The program allows Boomers to purchase a new or newer home for just 58%-70% of the purchase price (age-based) without needing monthly mortgage payments. This innovative approach helps buyers preserve their cash while securing their ideal home.

Since 2009, Ann Marie’s mission has been to spread awareness of this life-changing option through word-of-mouth advocacy. She co-authored the Lifestyle Home Loan Buyer’s Guide, a 28-page educational resource designed to help Boomers understand the program and how it compares to paying cash or obtaining a traditional mortgage. The guide answers more than 20 of the most frequently asked questions Ann Marie has encountered over the years.

Ann Marie is also deeply committed to empowering Builder Sales Consultants by teaching them how to introduce the Lifestyle Home Loan at the right time during the sales process. Her training has proven to be transformative: consultants who implement her strategies become top earners in the industry, often winning awards and increasing sales by 16-40%. For example, a consultant who currently sells 24 homes annually could see an additional 4-10 sales by leveraging the Lifestyle Home Loan program. Additionally, many of her builder clients have been able to sell higher-priced homes thanks to this program.

Ann Marie’s ultimate goal is to help sales teams increase sales, capture lost opportunities, and elevate their clients’ home-buying experiences with the power of the Lifestyle Home Loan.