Michele Albohn- Home Equity Advisor

Website

Michele Albohn- Home Equity Advisor Aging-in-place financing | Retirement Mortgage Broker | Residential, DSCR, bank statement, bridge Michele Albohn is not your average loan officer.

Not only is she a mortgage broker with over 200 lenders, but Michele’s background is unique and well-rounded. She began working with the elderly and disabled 21 years ago and a Medicaid application specialist in New York. She moved on to work as the head Paralegal for a prominent law firm on Long Island where she helped clients with estate planning, asset protection, real estate transactions and Medicaid planning. She obtained a degree in Health Care Administration with the goal of being a nursing home administrator. She worked in a nursing home as the Director of Finance and Admissions. Not only did she review insurance and medical information to admit the appropriate patients, but she also made sure their care was covered. Michele genuinely loves serving the senior population, it is just a part of her. She started her own company, In Good Hands Medicaid Consulting LLC in 2014 where she did financial planning, real estate transactions, asset protection and Medicaid applications for over 400 of Long Islands’ elderly and disabled. She helped coordinate care, had relationships with the Alzheimer’s Association, home care agencies and nursing homes who referred their patients to her. She was awarded Marquis Who’s Who in 2020 for her work in the field. Michele brings a unique blend of experience and a passion for seniors as a loan originator. Her background allows her to take a holistic approach to the home buying process. She is a designated Certified Mortgage Advisor where she was extensively trained in all aspects of the economy and financial markets. This expertise allows her to help consumers understand how to use mortgage debt to build sustainable, lifelong wealth, making them a valued resource to clients and referral partners. Michele relocated to East Tennessee in 2020 and has a second home in Louisville, KY. She enjoys helping consumers relocate to any of the 15 states she is licensed in but enjoys sharing her love of TN & KY with others. She is also a real estate investor and had a portfolio of 6 properties in 4 different states. She provides other real estate investors with the knowledge and expertise she wished she had when buying her investment properties. Michele takes pride in prioritizing her clients and referral partners. All of her experience and education is used to best serve and add unique value to anyone that works with her.

10/17/2026
This Friday, October 9th, come to the 3rd Annual Intra-Club Race with Tellico Heat Dragon Boat Club. One team 2 boats: G...
10/04/2026

This Friday, October 9th, come to the 3rd Annual Intra-Club Race with Tellico Heat Dragon Boat Club.

One team 2 boats: Green and Orange.

Experience the sport, the team, the heart, and the sportsmanship🧡

10/02/2026

Your HELOC might not be there when you need it most. 😬

In 2008, banks froze and cut home equity lines all over the country, right when families were counting on them.

A reverse mortgage line of credit works differently:
✅ The bank can't freeze it, reduce it or cancel it as long as you pay your property taxes and insurance and keep up the home
✅ The part you don't use grows over time

If you're 62+ (or you're helping a parent plan for retirement), this is one of the most misunderstood tools out there. Watch the video, then comment "LINE" or message me and I'll send you a simple comparison. No pressure, just good information. 💙

🏠 Before you sell, run the numbers.Most people assume selling the house is the "safe" move in retirement.But here's what...
10/01/2026

🏠 Before you sell, run the numbers.

Most people assume selling the house is the "safe" move in retirement.

But here's what often gets skipped:

After commissions, closing costs, capital gains, and moving expenses — a $450,000 home can cost you $35,000–$50,000 before you see a dollar.

And renting a comparable space? In most markets, it costs more than staying put.

The real question isn't sell or stay.

It's: What does each option actually cost you — and what does your equity make possible either way?

For homeowners 62+, there's often a third option nobody talks about: access your equity, stay in your home, eliminate your mortgage payment — no moving truck required.

I just published a breakdown of the real math on selling vs. staying

09/29/2026

HECM for Purchase: Buy Nicer Home, Keep Nest Egg

Realtors!
A HECM for purchase can let your retired buyer buy a nicer home without draining their nest egg. Many buyers pour all their available cash into a house, whether they're downsizing, upsizing, rightsizing, or relocating.

So a HECM for purchase flips it. By using the cash as a down payment and adding the reverse mortgage, your client gets a meaningful chunk of liquid proceeds for healthcare, travel, emergencies, or gifting.

Helping them see this option is the advice that makes you their agent for life.

09/25/2026

Some exciting news: I was quoted in U.S. News & World Report! 🎉

The article is "The Only 6 Times a Reverse Mortgage Makes Sense," and it clears up a lot of the old myths. Today's reverse mortgages are very different from the ones many people remember.

As I told them: "A reverse mortgage is a way to be able to access home equity to create a better life."

For homeowners 62 and older who plan to stay put, it can help you:
🏡 Stay in the home you love and age in place
💵 Cover the gap before Social Security starts
📉 Get rid of a monthly mortgage payment

It isn't the right fit for everyone, and I'll always tell you honestly if it isn't right for you.

Have questions for yourself or a parent? Send me a message. I'm always happy to talk it through, with no pressure.

👉 Full article: https://money.usnews.com/loans/mortgages/articles/the-only-6-times-a-reverse-mortgage-makes-sense

Aging-in-place financing | Retirement Mortgage Broker | Residential, DSCR, bank statement, bridge

Realtors, has this happened to you? 👇Your seller is nervous about an offer, so you call the buyer's lender to check on t...
09/24/2026

Realtors, has this happened to you? 👇

Your seller is nervous about an offer, so you call the buyer's lender to check on the loan and get polite silence.

It's not personal. Federal privacy laws protect everything in a buyer's loan file, including whether they applied at all. Even if the buyer shared their preapproval letter, the lender still can't discuss the file with the listing side.

With the market tilting toward buyers, sellers need more reassurance than ever. Here's how I handle it: I work with the buyer's agent from day one to prepare the right documents so the buyer can share updates with the seller. Everyone stays informed, nobody breaks the law, and the deal keeps moving.

I made a quick checklist for agents on what lenders can and can't share, and how to keep sellers calm.

Want a copy? Drop a 📋 in the comments or send me a message!

Join us!  For  On Sept 17th, the Advisors at Equity Wealth Strategies will be presenting "The Missing Lever: Home Equity...
09/14/2026

Join us! For

On Sept 17th, the Advisors at Equity Wealth Strategies will be presenting "The Missing Lever: Home Equity and In-Home Care Planning." They aren't loan officers trying to sell you something. They're advisors focused on expanding the conversation around housing wealth in retirement, with a clear, transparent look at where reverse mortgages fit.

If you have clients thinking through how they'd pay for future care, or you're curious where home equity fits alongside insurance and portfolio withdrawals, this session offers a valuable framework for a topic that rarely gets one.

🗓️ Thursday, Sept 17th
⏰ 10:00 AM PST / 1:00 PM EST
🔗 Send them this link to grab a spot:

EWS Event Registration landing page for the Advisor Insight Webinar Series hosted by Ryan Ponsford and Hank Sanders.

Address

Franklin, TN

Alerts

Be the first to know and let us send you an email when Michele Albohn- Home Equity Advisor posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share