Your Mortgage Got You Here—Now What?

Refinancing can help you grow your equity, save more, or get ahead faster.

You already own the home—now let’s make sure your mortgage is still working for you. Refinancing isn’t about chasing a trend or reacting to rates. It’s about stepping back and asking:

“Is this loan still helping my family grow our wealth?”

I’ll run the numbers with you, explain your options in plain language, and help you decide if refinancing is a smart next move—or something to hold off on.

Is your loan still helping your family grow wealth?

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.

Why Families Choose to Refinance

Free Up Monthly Cash Flow

Lowering your rate or extending your loan term can give your budget some breathing room—money you can save, invest, or redirect toward other goals.

Pay Off Your Loan Sooner

A shorter term helps you build equity faster and save big on interest, perfect if you’re focused on long-term financial freedom.

Tap Into Equity to Build More Wealth

You can use a cash-out refinance to fund home improvements, start a business, or consolidate high-interest debt. It’s about putting your home’s value to work strategically.

Trade Variable for Stable

If you have an adjustable-rate mortgage (ARM), we can explore locking in a fixed-rate loan that keeps your payments predictable.

Meet Mortgage Mitch—The Guy Who Makes It Happen

I’ve been helping homeowners make smart, stress-free mortgage decisions for more than a decade. And when it comes to refinancing, I keep it honest.

Sometimes it’s a great idea. Sometimes, it’s not the right move. Either way, I’ll run the numbers with you, explain everything clearly, and make sure you understand exactly what you’re getting into.

Ready to Make a Smart Move?

You already own the home. Now let’s make sure it’s still working for you. With the right plan and clear guidance, refinancing can be a real win, not a guessing game.