Michele Albohn- Mortgage Broker

Michele Albohn- Mortgage Broker 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 M

edicaid 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.

Unlock the Power of Your Home Equity — Even In RetirementMeet Robert. At 74, with a home valued at $950,000 and a mortga...
05/29/2026

Unlock the Power of Your Home Equity — Even In Retirement

Meet Robert. At 74, with a home valued at $950,000 and a mortgage balance of $250,000, a traditional HELOC only qualified him for $33,000.

With EquitySelect HELOC, he qualified for $200,000 — at the same capped monthly payment of just $260.

💡 If you're a homeowner sitting on significant equity, you may have more financial flexibility than you think.

✅ Plans start at just 1% of the annual balance per month
✅ Choose a first- or second-position HELOC based on your needs
✅ Same manageable monthly payment — dramatically more access to your equity

Ready to see what you qualify for?
📞 865-424-6350
📧 [email protected]

This week we explore a common scenario for retirees. Thoughts?
05/29/2026

This week we explore a common scenario for retirees. Thoughts?

How your home equity can create tax-smart income — and protect what you’ve already saved. When Jim and Carol retired, they had done everything right.

Home equity is more often a part of the retirement planning process.
05/15/2026

Home equity is more often a part of the retirement planning process.

This one's for the Financial Advisors

As your local trusted Senior Mortgage Advisor & Retirement Mortgage Specialist, I often ask people this simple question…...
05/15/2026

As your local trusted Senior Mortgage Advisor & Retirement Mortgage Specialist, I often ask people this simple question…

What if you no longer had a required monthly mortgage payment?
How would that change your life, your retirement, or your peace of mind?

For many homeowners 62+, there may be options available that can help improve monthly cash flow, create more financial flexibility, or simply make retirement feel less stressful.

Reverse mortgages and retirement mortgage solutions have changed a lot over the years and are often misunderstood. That’s why I believe education and honest conversations matter most.

If you’re curious whether this could benefit you or someone you care about, I’d be happy to explore the possibilities with you in a relaxed, no-pressure, no-cost consultation.
865-424-6350

Amazing time at the Reverse Mortgage Summit in Knoxville! Learned a lot, very motivated and looking forward to the rest ...
05/07/2026

Amazing time at the Reverse Mortgage Summit in Knoxville! Learned a lot, very motivated and looking forward to the rest of this year helping seniors!

So many great speakers, there was so much knowledge shared with great people.

Last week reminded me why I love what I do.4 closings in one week—some first-time homebuyers, and one family purchasing ...
05/06/2026

Last week reminded me why I love what I do.

4 closings in one week—some first-time homebuyers, and one family purchasing a second home.

Behind each closing was a different journey… questions, hurdles, decisions, and a lot of moving pieces. But every one of them made it to the closing table.

That’s what matters.

Helping people move forward—whether it’s their very first home or the next chapter.

If you’ve been thinking about buying but aren’t sure where to start, I’m happy to walk you through it.

📩 Reach out anytime

Closed on a reverse mortgage today for a couple in their early 60s.The goal?Give them flexibility while delaying Social ...
05/04/2026

Closed on a reverse mortgage today for a couple in their early 60s.

The goal?
Give them flexibility while delaying Social Security.

The husband recently stopped working and wants to wait to draw his benefit. The wife has a smaller income, but it wasn’t enough on its own—and they’re not yet taking distributions from retirement accounts.

So we created a plan:
• Lump sum to help cover monthly expenses now
• Line of credit available for future needs

This allows them to bridge the gap without locking themselves into early Social Security or pulling from investments too soon.

Reverse mortgages aren’t just for “last resort” scenarios—they can be a powerful planning tool when used the right way.

If you're thinking about retirement and want to explore your options, I’m here to help.

📩 Reach out anytime

This one started with a bank denial.The borrower worked for a family business and, during the loan process, became a 70%...
05/03/2026

This one started with a bank denial.

The borrower worked for a family business and, during the loan process, became a 70% owner. That change created a big issue—most traditional guidelines require a 2-year history as a business owner before income can be used.

So the deal stopped.

But that’s not always the end of the story.

As a broker, I have access to a wide range of lenders with different guidelines. We were able to find a solution that looked at the full picture and allowed us to use his W-2 income, even with the recent ownership change.

And today… we closed. 🏡

Situations like this are exactly why having options matters. Not every loan fits into a one-size-fits-all box.

If you (or someone you know) have been told “no,” it may just mean the right solution hasn’t been found yet.

I’m always happy to take a second look.

📩 Message me anytime

The client says "I'd love to move, but I'm not sure how to make it work."And without a financing solution to offer, the ...
04/25/2026

The client says "I'd love to move, but I'm not sure how to make it work."

And without a financing solution to offer, the conversation stalls.
This week's newsletter is for you.

I'm covering two tools that can unlock that stuck client — a bridge loan that lets them buy first and sell without pressure, and a HECM for Purchase that eliminates the monthly mortgage payment entirely.

Two different situations. Two different solutions. Both worth knowing.

Realtors: The client says "I'd love to move, but I'm not sure how to make it work." And without a financing solution to offer, the conversation stalls. This week's newsletter is for you. I'm covering two tools that can unlock that stuck client — a bridge loan that lets them buy first and sell with...

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