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Where Memories Begin

It’s not just a mortgage with Mortgage Mitch

Get Pre-Approved

Press play to see why it’s more than a mortgage with Mortgage Mitch.

It’s not just a home loan, it’s a memorable financial experience

Get Pre-Approved
A smiling man in a navy blazer and blue collared shirt standing outdoors in front of a white brick wall.

Hi, I’m Mitch, and I Believe Homeownership Should Build Wealth

I don’t just help people get mortgages in Ohio and beyond. I help families build financial confidence and long-term wealth, starting with smart, simple homeownership.

After 12+ years in lending, I’ve seen how powerful buying a home can be, not just for your lifestyle, but for your future. That’s why I focus on education first. No jargon. No pressure. Just honest conversations and a plan that fits you.

More about me
A family of four, including a woman, man, and two boys, are sitting on the floor in a bright living room, enjoying time together with their black and white dog. The room has large windows, wooden flooring, a large potted plant, and some unpacked boxes indicating they are settling into a new home.

We Are Your Mortgage Team and We Confidently Promise:

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Proactive Communication

You’ll hear from us every Tuesday and Friday—we keep you informed clearly and consistently.

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On-Time Closings

We close on time, every time. Accuracy and reliability you can count on.

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Stress-Free Experience

We handle the details so you can focus on what matters: getting ready for home.

What Customers & Realtors Say About Mitch Severance

  • “My experience with Union Home Mortgage was above my expectations. My financial needs were met with courteous, prompt, knowledgeable staff who made m feel as if I was their only customer. I will be using UHM again when buying future properties.“

    - Lea Ann B.

  • “Mitchell Severance was amazing and even checked in with me after everything was over. Totally impressed!”

    - Trent S.

  • “Mitch’s team is spot on and are easy to work with. Any questions I had were quickly answered. I would refinance with them well into the future.“

    - Gregory D.

  • “The team is courteous and respectful. I always feel valued and important when communicating them. The team is easy to reach and communication is clear. I always knew what to expect during each step of the process.“

    - Katie K.

  • “Everybody I worked with and talked to throughout the whole process was kind, professional and worked to make me feel comfortable on what I was getting myself into. They kept me informed on every step in the process and were in constant communication on where we were at.”
    - Michael P.

  • “Best home buying experience. There was not a time throughout the process where I felt uneasy or confused. Every step was thorough and easy to understand due to UHM’s ability to relay the information. I will definitely recommend UHM for anyone I know that is trying to buy a new home.”
    - Joseph R.

  • “Our overall experience UHM was amazing. The staff were friendly and informative every step of the way. We could not have picked a better lender to work with!”
    - Blake W.

  • “Mitchell and his team were phenomenal. Anytime I had questions, Mitchell, Lynn and Shawn were quick to respond, helpful, and provided explanation. They were all so personable, and I appreciate them coming alongside us during our home buying experience.”
    - Valerie H.

  • “Everyone was super understanding about this being our first time home buying experience! I received consistent messages asking if I needed any questions answered. I am very glad we chose UHM! They were responsive, caring and worked hard for us to close in a short amount of time with a great rate.”
    - Gianna F.

  • “Mitchell walked us through every single component of our loan. As first-time homeowners, this made us feel extremely comfortable moving forward. The team was extremely competent, efficient, and considerate. The team made us feel confident and comfortable with our home purchase.”
    - Alayna M.

  • “All interactions were not only friendly and knowledgeable but also very supportive in providing tremendous assistance and guidance. The service from this team was fantastic. Keep yo your friendly, knowledgeable, and professional assistance and guidance!”
    - Janet W.

  • “Mitchell and Lynn were great to talk with, provided clear and practical information. Turnaround time on all requests was outstanding! Everyone at UHM was friendly, helpful and encouraging. They took what could be an intimidating process and made it very easy to understand.”
    - Julie D.

  • “Mitchell and his team were very easy to work with. They always kept me in the loop and provided me the status of my loan often. Great service!”
    - Monica C.

  • “This experience exceeded my expectations. Fast and efficient. Wonderful people to work with and I will definitely remember them for future needs and if I hear from anyone. Also, they introduced me to an insurance company that saved me money there as well!!! Great people!”
    - Jamie K.

  • “Every interaction was pleasant, things moved along quickly and smoothly. Not once did I feel like things were falling apart, rather I was confident that Mitchell, Lynn, and Shawn were on top of everything and getting things done before I expected it.”
    - Katrina R.

  • “Our experience was the best! What we ended up with was a lower rate, lower monthly payment, shortened mortgage term, and cash back to help with home improvements. It was incredible that so many good things came out of it!!! And the icing on the cake was how easy it was!! I can't thank UHM enough.”
    - Audra S.

  • “We really appreciate that Mitchell took the time to walk us through the process and was there via phone call, text, or email any time we had questions. Everyone that reached out to us was so nice and it really felt like they had our best interest in mind. Thank you, UHM!”
    - Brenton S.

Mortgage Services—Education-First Lending Built for You

  • Icon of a two-story house with a front door, window, and roof, inside a green circle.

    First-Time Homebuyers

    Never bought a home before? I’ll make sure you actually understand what you’re signing.

    Get started
  • Icon of a house with keys in front of it, set inside a green circle.

    For Realtors

    You sell the house—I’ll secure the financing. We make a good team.

    Let’s Partner
  • Green circular icon with a white house outline and a dollar sign inside a circle beneath it.

    Loan Programs for Every Situation

    There’s no one-size-fits-all loan—we’ll find what fits your life, not just your paperwork.

    Explore Loans
  • Icon of a sprouting plant with dollar signs, representing financial growth or investment.

    Wealth Builder

    Your mortgage should be more than a payment—it should be a plan to build real wealth.

    Start Building Wealth
  • Green circular icon with a house, arrows circling around it, and a percentage symbol, representing home refinancing or mortgage refinancing.

    Refinancing Strategies

    We’ll run the numbers and tell you if it’s worth it—no fluff, just facts.

    Refinance Options
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Explore Mortgage
Tools & Resources

Check out our blog, budgeting guides, and downloadable tools to help you feel even more prepared.

Learn more

Mortgage Frequently Asked Questions

  • The application process can be completed online and typically takes 15-20 minutes to complete. If you aren’t tech savy no need to worry. We are happy to schedule a time for us to complete your application over the phone or in person at my office in Pickerington.

  • The process duration varies. For clients with straightforward income, preapproval can be completed in as little as 20 minutes. However, for self-employed, part-time, or commission-based individuals, the income verification process can take longer, typically 24-48 hours. The quicker we receive your loan documentation, the faster we can review and complete the preapproval process. We prioritize accuracy to ensure our preapprovals are meaningful. Generally, the preapproval will last for 90 days prior to it expiring.

     

  • It's best to start the mortgage application process as soon as you begin seriously considering buying a home. Ideally, you should start at least 2-3 months before you plan to make an offer. This gives you time to get preapproved, gather necessary documents, and address any potential issues that may arise during the process. Starting early helps you move faster and more confidently when you're ready to make a purchase.

  • Appraisal

    An informed estimate of the value of a property.

    Debt-to-Income ratio

    Your debt-to-income ratio is all your monthly debt payments divided by your gross monthly income. This number is one way lenders measure your ability to manage the monthly payments to repay the money you plan to borrow.

    Equity

    Equity is the amount your property is currently worth minus the amount of any existing mortgage on your property.

    Homeowners Insurance

    Insurance to protect your home against damage from fire, hurricanes, and other catastrophes. Usually, homeowners' insurance also covers you against theft and vandalism, as well as personal liability in case someone is hurt or injured on your property.

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Let’s Make Your Mortgage
Memorable

You’ll never forget your first home. Let’s make sure the process behind it is just as good.

Get Pre-Approved