Ann Marie Stemen is a leading home equity conversion mortgage originator, consistently ranking in the top 1% nationwide since 2010. Recognizing a need for innovative retirement home financing, she pioneered the Lifestyle Home Loan Program. This unique program eliminates monthly mortgage payments, empowering homebuyers to increase their purchasing power and achieve financial freedom. Ann Marie provides industry-leading seminars on the Lifestyle Home Loan and collaborates with home builders, realtors, and financial professionals to offer clients a powerful alternative to traditional financing or cash purchases during retirement.