Turn Big Dreams into Real Plans

Mortgages for first-time home buyers.

This Isn’t Just a Loan,
It’s a Launchpad

If you’re just starting out—paying off debt, thinking about kids, hoping to stop renting finally—you’re in the right place. I’ve helped hundreds of families go from “someday” to keys in hand.

And I’ll help you, too. With transparency, education, and a plan that makes sense for you.

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.

Building Wealth Through Homeownership

Your first home isn’t just a place to live, it’s a foundation for your financial future. Discover how homeownership can:

Build Equity

Increase your net worth over time.

Provide Stability

Fixed mortgage payments offer predictability.

Create Opportunities

Leverage your home equity for future investments.

Meet Mitchell Severance, The Mortgage Guy You Can Talk To

You deserve to work with someone who realizes what a dream come true, and what a leap of faith, buying your first home is. With over 12 years of experience and a heart for helping people feel calm, confident, and financially prepared, I make the mortgage process personal, because it is. Here’s what I promise:

  • I’ll educate you, so you understand every number and every option.

  • I’ll support you through every high-five and every “wait, what is this form?” moment.

  • And I’ll celebrate with you, because buying your first home is a big deal, and you deserve to feel proud of it.

Grab the Mortgage Planning Guide

Not ready to reach out just yet? Totally fine.

This guide is a simple, no-pressure way to learn what the mortgage process actually looks like: from the first conversation to closing day. It’s packed with helpful insights, real steps, and honest explanations—all written with families like yours in mind.

If you’re dreaming about buying, this is where you start building your plan.

Let’s Make a Memory.

Your first home is more than a purchase—it’s the start of a new chapter filled with memories, growth, and stability.