Columbus, Ohio Mortgage Lender for Home Loans

Mitchell Severance is a mortgage lender who helps homebuyers throughout Central Ohio compare mortgage options, prepare for closing, and make confident financing decisions.

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12+

Years of Expertise

6

States Licensed

1

Education First Approach

Helping Central Ohio Buyers and Homeowners Feel at Home

  • “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.

Home Loans Designed Around Your Life

  • First-Time Homebuyers

    Buying your first home comes with plenty of questions. Mitch will help you understand your budget, compare loan options, prepare for closing costs, and know what to expect before you make an offer. You will not be expected to understand mortgage language before you begin. That’s what these conversations are for.

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  • Buying Your Next Home

    Maybe your family needs more room. Maybe you are ready for a different neighborhood, a shorter commute, or a home that fits the next stage of life. Mitch will help you look at your current equity, future payments, and financing options so your next move feels well planned, not rushed.

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  • Construction and Custom Home Loans

    Building a home means coordinating the land, builder, budget, timeline, and financing. Mitch helps bring those pieces together so you understand what needs to happen before construction begins and what to expect along the way.

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  • Refinancing

    Refinancing can help lower a monthly payment, change a loan term, replace an adjustable rate, or put home equity to work. It does not make sense for every homeowner. Mitch will walk through the numbers with you and tell you honestly whether the potential benefit is worth the cost.

    Explore Loans

A Simple, Education-First Mortgage Lending Process

Step #1: Conversation and Pre-Approval

The process begins with a conversation about your plans, income, budget, and what you want homeownership to look like. Mitch will review the numbers, explain your options, and help establish a comfortable buying range.

Step #2: Loan Planning

Once the full picture is clear, you will compare the available loan programs, down-payment options, estimated closing costs, and monthly payments. You will understand why a particular mortgage may fit—not simply be told which one to choose.

Step #3: Offer and Loan Approval

When you find the right home, Mitch works alongside you and your real estate agent to keep the financing moving. You will receive updates throughout underwriting, appraisal, and final approval so you are not left wondering what happens next.

Step #4: Closing and Beyond

Closing day is not the end of the relationship. Mitch remains available after the keys are handed over to answer questions, review future opportunities, and help you understand how your mortgage fits into your long-term goals.

Meet Mitchell Severance 

Buying a home is one of the biggest financial decisions you'll ever make. It should also be one of the most exciting. Unfortunately, that's not how most people describe it. Instead, I hear things like:

  • "I don't even know where to start."

  • "Every lender tells me something different."

  • "I'm afraid I'll make the wrong decision."

That's exactly why I built my business differently. I'm Mitchell Severance, a Senior Loan Officer based in Pickerington, Ohio, and for more than 12 years I've helped buyers throughout Columbus and Central Ohio understand their options, make smart financial decisions, and enjoy the homebuying process instead of simply surviving it.

I’m here to help you buy the place where birthdays will be celebrated, Christmas mornings will happen, kids will take their first steps, and memories will be made for years to come. That's worth doing well.

Fast Facts: Meet Mortgage Mitch

Profession: Senior Loan Officer

Location: Pickerington, Ohio

Service area: Columbus / Central Ohio, licensed in KY, OH, SC, NC, GA, & IN!

Experience: 12 years+

Specialties: First-time homebuyers, construction financing, refinancing, and move-up buyers

NMLS: 493686

Approach: Education-first mortgage planning

Mortgage Programs Available Throughout Central Ohio

  • Refinancing Your Mortgage

    You already own the home—now let’s make it work smarter for you.

  • Conventional Loans

    This is the go-to for buyers with strong credit and a solid down payment.

  • FHA Loans

    FHA loans are one of the easiest ways to step into homeownership—with low barriers.

  • VA Loans

    If you’ve served, you’ve earned this. With zero down, no mortgage insurance, and great rates, VA loans are one of the best ways to buy a home.

  • USDA Loans

    If you’re buying in a qualifying area, USDA loans offer 0% down and low interest rates.

  • Construction Loans

    When the home you want doesn’t exist yet, build it.

  • Rehab Loans

    Rehab loans let you roll renovation costs into your mortgage so you can fix it up without draining your savings.

  • Fixed-Rate Home Loans

    A fixed-rate loan keeps things steady, so you don’t have to worry about market swings.

  • Union Home Insurance

    A mortgage gets you into the home. Insurance protects everything inside it.

View All Loan Programs

Buying in Columbus or Central Ohio? Local Details Matter.

Two similarly priced Central Ohio homes can come with very different monthly payments. Property taxes vary by county, school district and municipality, even within communities like Reynoldsburg, which spans Franklin, Fairfield and Licking counties. Buyers can research estimated taxes through their local county auditor, includingFranklin County andFairfield County.

The property itself matters, too. A new build may have taxes currently based only on the land, while certain rural properties outside Columbus may qualify for USDA financing. You can research an address using theUSDA Property Eligibility Map. Mitch helps you look beyond the listing price to understand the estimated payment, property taxes, insurance, HOA fees, closing costs and cash needed upfront, before you make an offer.

Your Next Home Starts

With a Conversation

Whether you are still trying to understand what you can afford or already have a home in mind, you do not need to have every detail figured out before reaching out. Bring the questions. Mitch will help you build the plan.

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Central Ohio Mortgage Frequently Asked Questions

Can I work with Mitch if I do not live in Pickerington?

Yes. Mitch works with buyers and homeowners throughout Columbus and Central Ohio. Much of the mortgage process can be handled by phone, email, text, and secure online tools.

When should I get pre-approved for a mortgage?

It is usually helpful to get pre-approved before seriously touring homes or making an offer. Pre-approval gives you a clearer understanding of your estimated budget, payment, and financing options.

What do I need for mortgage pre-approval?

Lenders commonly review income, employment, credit, assets, debts, and funds available for the down payment and closing costs. The exact documentation depends on your financial situation and loan program.

How much money do I need to buy a home in Ohio?

The amount depends on the purchase price, loan program, down payment, closing costs, and any assistance or seller contributions available. Some qualified buyers may have low- or no-down-payment options.

Can Mitch help first-time buyers?

Yes. First-time buyers are a major part of Mitch’s business. He explains the process step by step, helps compare available programs, and prepares buyers for the costs and decisions involved.

Does Mitch offer construction loans?

Yes. Mitch works with buyers who are building custom homes and can help explain how construction financing differs from a traditional mortgage.

Can I use a mortgage to buy and renovate a home?

Certain rehabilitation loan programs may allow eligible buyers to finance both the home purchase and qualifying improvements. The property, project, borrower, and loan program must meet the applicable requirements.

Is refinancing always a good idea when rates fall?

No. A lower interest rate does not automatically make refinancing worthwhile. The closing costs, monthly savings, loan term, break-even period, and your future plans should all be considered.

Does Mitch work with local real estate agents and builders?

Yes. Mitch regularly communicates with real estate agents, builders, title professionals, and other parties involved in the transaction to help keep the financing process organized.

What areas of Central Ohio does Mitch serve?

Mitch serves Columbus, Pickerington, Dublin, Westerville, New Albany, Gahanna, Reynoldsburg, Hilliard, Grove City, Lancaster, Newark, Delaware, and all of Ohio. He is also licensed to serve Kentucky, Indiana, South Carolina, North Carolina, and Georgia.

A conditional pre-approval letter is not an offer to lend, a commitment to make a loan, or a guarantee of specific rates or terms. It is not a formal written commitment to issue a loan. A formal loan commitment may only be issued once a property is identified, a formal application is submitted, and the loan has gone through underwriting and has been evaluated. At the time of final approval, your application must meet UHM’s lending standards, such as receipt of an acceptable appraisal and validation of credit, including information received from independent third parties regarding your credit history, and underwriting information. Your information has not been submitted to underwriting for evaluation and has not yet been approved.