Mitchell Severance Union Home Mortgage

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Mitchell Severance Union Home Mortgage Mortgage Mitch
Contact me with any questions! NMLS: 493686/UHM NMLS: 2229
OH MLO.043321.000 Your Home. Let’s Make It Memorable.
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Over the last 12 years, as I’ve grown my mortgage practice while raising my family, I’ve come to realize how similar the homebuying journey is to something I treasure most—creating meaningful memories with the people I love. After more than a decade in the mortgage industry, I’ve learned that when you purchase a home, you're not just buying property—you’re investing in a place where life’s most important moments will happen. These are the moments you’ll carry with you forever. Most people never forget their first home, the dream home they worked hard to achieve, or the vacation home where new traditions begin. That’s why it’s my mission to make your homebuying experience not only smooth and stress-free—but memorable in the best way possible. Unfortunately, that’s not the norm in our industry. In fact, a recent Fannie Mae study revealed that 64% of homebuyers reported a poor buying or mortgage experience—mostly due to poor communication, missed deadlines, or unexpected changes during the process. That’s why my approach is different. When you work with me, my goal is to deliver a 5-star, unforgettable experience—through proactive communication, thoughtful advice built on years of experience and mentorship, and a genuine commitment to helping you create lasting memories through homeownership. I’m licensed in Ohio, North Carolina, South Carolina, Georgia, Kentucky, and Indiana, which allows me to serve families right here in my home state and support those relocating to new opportunities across state lines. Whether you're buying your first home, upgrading to your dream home, or starting fresh in a new city—I’m here to guide, educate, and support you every step of the way. Let’s connect so I can clearly understand your goals and deliver a customized mortgage experience that you will be talking about for years to come.

Buying your first home involves more than planning for the mortgage itself. 🏡Property taxes are an important part of you...
10/19/2026

Buying your first home involves more than planning for the mortgage itself. 🏡

Property taxes are an important part of your overall housing expenses, so here are a few things every first-time homebuyer should know!

🏡 Escrow is one of those mortgage terms you may hear often, but what does it actually mean?Here’s a quick breakdown of h...
10/13/2026

🏡 Escrow is one of those mortgage terms you may hear often, but what does it actually mean?

Here’s a quick breakdown of how an escrow account helps manage expenses like property taxes and homeowners insurance.

🏡 You've probably been hearing a lot about rate buydowns lately.A buydown can be a useful tool to help lower a buyer's m...
10/09/2026

🏡 You've probably been hearing a lot about rate buydowns lately.

A buydown can be a useful tool to help lower a buyer's monthly payment, either temporarily or for the life of the loan.

It's one of several strategies available in today's market, and it may be worth exploring if you're thinking about buying a home. 📲

10/05/2026

Mortgage Mitch Weekly Challenge‼️

Reach out to someone you haven’t told “I love you” to in a long time.

Let’s make an effort to lift someone up this week. 💯

🔑 Getting your offer accepted is a big milestone, but it's only the beginning of the closing process.Understanding the n...
09/29/2026

🔑 Getting your offer accepted is a big milestone, but it's only the beginning of the closing process.

Understanding the next steps can help you feel more prepared and confident as you move toward homeownership. 🏡

🏡 Nobody wants to see an appraisal come in low, but it doesn't automatically mean the deal is dead.Depending on the situ...
09/25/2026

🏡 Nobody wants to see an appraisal come in low, but it doesn't automatically mean the deal is dead.

Depending on the situation, buyers and sellers may be able to renegotiate the purchase price, review whether additional comparable sales should be considered, or explore other options to keep the transaction moving forward.

The key is having a knowledgeable team that can help navigate the next steps.

Giving back to the community is something I'll always make time for. 🏡 It was a privilege to attend the Habitat for Huma...
09/25/2026

Giving back to the community is something I'll always make time for. 🏡

It was a privilege to attend the Habitat for Humanity's Project Playhouse event and support an organization that's helping make a lasting impact. 🙌

Big thanks to Sherry Looney & The Loon Crew, Howard Hanna Real Estate Services for serving as the presenting sponsor and helping bring this event to life. 👏💪

09/21/2026

Be curious, not judgmental. 👊

A home's appraised value is about more than just the asking price.Understanding what appraisers look at can help buyers ...
09/18/2026

A home's appraised value is about more than just the asking price.

Understanding what appraisers look at can help buyers and sellers make more informed decisions. 🏠

When buyers say they're waiting for rates to come down, it may be worth helping them look at the complete picture.While ...
09/04/2026

When buyers say they're waiting for rates to come down, it may be worth helping them look at the complete picture.

While nobody can predict future rates or home values, waiting could mean facing higher home prices, bringing more money to closing, missing out on potential equity growth, and continuing to rent in the meantime.

According to Fannie Mae's latest survey of more than 100 housing experts, home prices are projected to appreciate approximately 15% cumulatively through 2030. On a $500,000 home, that could represent roughly $75,000 in additional value over the next several years.

Of course, every market is different, and no one can guarantee future results. But it's important for buyers to understand that waiting for a lower interest rate could also mean paying a higher purchase price.

The goal isn't to pressure anyone into buying before they're ready. It's to help them make an informed decision based on all the factors involved.

✅ Save this post for future conversations with buyers, or share it with a client who's on the fence about making a move.

Address

49 Hill Rd N
Pickerington, OH
43147

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