Cathy Lilly, Reverse Mortgage Specialist in Cincinnati, Ohio | Mutual of Omaha Mortgage | NMLS #475808
Cathy Lilly is a respected Senior Reverse Mortgage Advisor with Mutual of Omaha Mortgage, serving homeowners throughout Cincinnati, Ohio, and surrounding areas. With over 20 years of experience, Cathy has helped hundreds of older adults explore reverse mortgage options designed to improve cash flow, reduce financial stress, and support long-term retirement goals.
Known for her clear communication, thoughtful guidance, and educational approach, Cathy ensures every client understands how reverse mortgages work and how to use them strategically. Backed by Mutual of Omaha Mortgage’s trusted strength and deep knowledge of the Cincinnati housing market, she offers personalized service that blends national resources with local insight.
Whether your goal is to eliminate monthly mortgage payments, supplement income, or access equity for future needs, Cathy Lilly is here to help you make informed financial decisions with confidence and care.
Cincinnati-Based Expertise with a Personal Touch
What sets Cathy Lilly apart is her commitment to individualized service. She takes the time to understand each client’s complete financial picture and retirement goals before recommending a solution. Whether planning independently or collaborating with a trusted advisor, Cathy ensures your reverse mortgage aligns with your broader financial strategy.
Her Cincinnati clients value her calm, knowledgeable approach and ability to explain complex topics in simple, relatable terms. With Cathy, you gain more than a mortgage specialist—you gain a trusted local expert who’s fully invested in helping you move forward with clarity and confidence.
Reverse Mortgage Services Tailored to Your Needs
Cathy offers a variety of reverse mortgage solutions designed to meet the diverse needs of Cincinnati-area homeowners. From eliminating monthly mortgage payments to creating new income streams, she provides flexible options to support your retirement goals.
Home Equity Conversion Mortgages (HECM)
The most popular reverse mortgage option, HECM loans, are insured by the Federal Housing Administration (FHA) and available to homeowners age 62 and older. Cathy helps you understand how this program works and how to use your home equity to improve financial stability without giving up ownership.
HECM loans allow you to:
- Eliminate your monthly mortgage payment
- Receive funds as a lump sum, line of credit, or monthly disbursement
- Cover home repairs, medical expenses, or day-to-day needs
- Remain in your home while gaining greater financial flexibility
Cathy will help you assess your eligibility, calculate your available equity, and select the best structure to match your retirement plan.
Jumbo Reverse Mortgages
If your home exceeds FHA lending limits, Cathy offers jumbo reverse mortgages—privately funded loans designed for high-value properties. These loans provide access to larger loan amounts and are ideal for homeowners with significant equity who want added flexibility in retirement.
Reverse Mortgage Refinancing
For clients who already have a reverse mortgage, refinancing may be a smart way to improve terms or access additional equity. Cathy helps you explore whether a refinance could benefit your situation based on current market conditions and long-term goals.
Let’s Talk About What’s Next
Cathy Lilly is ready to guide you if you’re considering a reverse mortgage in Cincinnati, Ohio. With decades of experience, personalized service, and the trusted backing of Mutual of Omaha Mortgage, she provides the expertise and insight you need to make empowered financial decisions.
Contact Cathy today to schedule your free consultation and learn how a reverse mortgage can bring greater peace of mind and flexibility to your retirement years.