Stephen Micham
Senior Loan Officer
[email protected]
Phone: (419) 299-4700
Mobile: (419) 514-7783
1745 Indian Wood Circle, Suite 130
Maumee, OH 43537
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NMLS 140175
Licensed in: OH, MI
OH MLO.08330.00 | MI 140175
Stephen Micham has spent more than 26 years helping individuals and families throughout Northwest Ohio navigate important home financing decisions. As the leader of The Micham Group at Union Home Mortgage, his approach is built on three pillars: Transparency, Education, and Unbiased Guidance.
Stephen believes a mortgage professional should do more than quote rates and process a transaction. His role is to understand what each client is trying to accomplish, explain available options and tradeoffs, identify potential obstacles early, and help clients make informed decisions they can feel confident about.
Whether helping a first-time homebuyer, an experienced homeowner, or someone with a more complex financial situation, Stephen especially enjoys solving problems and finding solutions others may have overlooked. His business has been built largely through relationships and referrals from clients and professional partners who value his communication, knowledge, and consultative approach.
Stephen is also a Certified Divorce Lending Professional (CDLP®), with specialized training in the mortgage and housing considerations that arise during divorce. This expertise allows him to help divorcing individuals understand how decisions involving income, debt, support, and property division may affect mortgage qualification and future housing options.
A lifelong Northwest Ohio resident, Stephen was born and raised in Maumee and graduated from the University of Toledo. He served as the 2019 President of the Mortgage Bankers Association of Northwest Ohio and remains active in the local mortgage and professional community.
Stephen lives in Perrysburg with his wife and enjoys spending his free time biking, hiking, kayaking, and being outdoors.
OH RMLA RM.802837.000
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What Customers & Realtors Say About
Stephen Micham
25 five-star reviews
Charles S.
08/06/2026
I am very satisfied. If I have to say anything. Steve Micham provided exceptional service.
Charles S.
08/06/2026
I am very satisfied. If I have to say anything. Steve Micham provided exceptional service.
Susan C.
12/30/2025
My experience with UHM was outstanding. The entire process was explained by Stephen Micham. He answered all my questions and kept me informed throughout the process. I would definitely recommend UHM.
Shannon M.
12/25/2025
Beyond excellent in every aspect of the loan process.
Charles S.
12/22/2025
Nicholas K.
12/18/2025
Steve and his team worked diligently through some unexpected hiccups and managed to get my deal through before my extension expired. Always courteous and easy to work with, he walked me through each step of the process in an efficient manner without making it feel rushed. 10/10 would definitely recommend UHM and Steve Micham in particular to anyone looking for home financing.
Carl B.
11/10/2025
Fast and efficient helped me out alot with some things I had no clue on and was very helpful
David Y.
10/23/2025
Megan G.
10/06/2025
Fantastic experience. Very easy process. We felt very informed on the decisions we were making. Would highly recommend working with Steve.
Jeffrey P.
10/06/2025
Everything was seamless. Changes were made no problem, Steve was great with communication and everything went to plan
Reba S.
09/30/2025
Charles M.
09/12/2025
Daniel F.
09/09/2025
No issues whatsoever. Answered every question and never made me feel ignorant for anything. I felt confident and comfortable throughout the process.
Charles A.
07/24/2025
David S.
07/23/2025
Miguel E.
06/25/2025
It was amazing to be able to buy a home for the first time with the help of Union Home mortgage I never thought that I was able to get a home at my age with my credit
Crystal J.
06/19/2025
My overall experience was great. Steve and his team were wonderful to work with and kept me abreast of all necessary requirements.. Prior to finding the perfect home, they checked on me regularly. I truly appreciate the help they provided in my experience as a first time home buyer..
Frederick A.
05/28/2025
James C.
04/28/2025
It was truly a good experience, I would recommend them to anyone looking for a mortgage loan.
Scott R.
04/24/2025
David K.
04/16/2025
Fantastic
Eugene G.
04/04/2025
Jason P.
04/03/2025
I will definitely use them in the future.
Youssef Y.
03/25/2025
Crystal S.
01/13/2025
Every aspect of my experience was top notch.
Jay S..
I enjoyed it. It was very easy and simple, which took all the stress away.
Polly P..
My overall experience with UHM was excellent and if I had to go through the process again, I would choose UHM!
Keith L..
My experience with UHM was excellent. They were fast, easy and reliable when it came to getting things done. Thank you!
Aaron W..
Amazing and easy. Everything went smoothly through the process especially for me being someone so inexperienced.
David J..
Steve was easy to work with. He is easy to get in contact with and can answer any question you might have.
Mark M..
We could not have been anymore satisfied. The whole process with Steve was seamless and he clearly explained each step before it occurred so there were no surprises during the entire process.
Resa P..
I could not have asked for a better experience from the first day to the last working with Steve Micham. What is usually an arduous process was made as easy and smooth as possible. I would never hesitate to refer Union Home Mortgage to any family and friends that may need their services.
Aaron S..
For me it wasn't about working with UHM, it was working with my loan officer specifically. I would refer Stephen to anyone, regardless who is he working for.
Michele S..
It was a great experience from start to finish. The communication and service I've received was excellent and very professional. Super happy with my decision to use and stay with Union Home Mortgage!
Misty H..
Working with Stephen made this a much smoother experience than expected. He helped guide us through every step needed to be able to purchase a home we absolutely love!
Abigail S..
Absolutely outstanding!! Steve Micham was kind, specific and very transparent through the entire process. All questions were answered immediately and he truly went out of his way for excellent customer service and satisfaction. We were able to close on my dream home in just 26 days.
Carol S..
The experience with this refinance was perfect. I was very impressed with the speed, accuracy and professionalism of the whole process.
Erin W..
Our experience working with Union Home Mortgage was great. It was quick and simple. Stephen always answered any questions I had promptly and kept me well informed throughout the entire process.
Brooke T..
My lender was on top of things, and answered all my questions with ease. He listened to my needs and delivered what I wanted. The mobile app made the process go extremely smooth. I even had a notary come to my house when it was time to sign the documents. Easiest home buying experience.
Jan L..
I was referred to Union Home Mortgage and it was a great referral. From the very beginning when I placed my phone call to Steve Micham the attention and service I received from Steve/ UHM was top notch! I’m a happy customer!
Lucy H..
My loan officer, Stephen, was fast, friendly, and very professional. He was always quick to respond to any communication, thoroughly and respectfully answering all of my questions. He guided me through the process quite painlessly and worked hard to meet my needs and exceed my expectations.
Nicole B. .
Couldn’t be more happy with our overall experience with UHM. Our mortgage agent was truly wonderful that I would highly recommend to others pursuing a new home purchase. My husband and I are pleased to close on our dream home with a low, affordable interest rate. As stated previously, the communication and timeliness of follow through were extremely impressive. UHM goes above and beyond to make the home buying process and smooth and stress free as possible.
Ashley K..
Working with UHM has been one of my best decisions during the home buying process. Any time I had a question or needed assistance, UHM (and my loan officer specifically) was always there to help. The process from beginning to end was very simple on the buyer end.
Michelle E..
Very satisfied to be with a local mortgage company that treats me like a person and took the time to understand my situation.
Dianne K..
Thanks to Steve Micham, my experience was the best. Steve is friendly, patient, knowledgeable, and efficient. In addition, he is an excellent listener and has a good sense of humor. He has a good working relationship with my realtor which was also very helpful.
David S. .
Our experience with Steve couldn’t have been better in all honesty. You can tell he’s an expert in his field of work and goes above and beyond to ensure his clients have all their grounds covered and know exactly what’s going on throughout the whole process. We’ll definitely be a repeat customer down the road and refer business his way!
David B. .
Everything was awesome and super easy. Steve and Stephanie were amazing and we trusted them with all of our paperwork and info.
Patrece T. .
UHM was a great company to work with for our first home buying experience. The individualized care and patience was wonderful. I will refer others who are looking to purchase a home.
Kevin S. .
UHM is very very good at getting the job done. They have excellent systems and a team that is professional and on top of all the details. They really take care of you all along the way.
Beth A. .
Mr. Micham’s positivity & honest approach was the best!!! Totally respected him.
Walter M. .
You answered all of our questions thoroughly. Your responsiveness to our needs was excellent. I certainly have no complaints. We are very happy with our new home. Thanks very much.
Jackelyn L. .
Steve Micham goes above and beyond for all of his clients. He will not stop working until he finds a solution to get the deal done. I have used him several times with purchases and refinances and absolutely love referring him to my family and friends. His dedication to helping his clients is unmatched.
Noah H. .
UHM was great to work with. They made the process very quick and pleasant to go through.
Anthony W. .
I couldn’t be happier with my experience with Union Home Mortgage. The entire team was thorough, friendly, efficient, and just overall professional the entire process. I’d recommend Union Home Mortgage to anyone!
Kathleen W. .
Stephanie was great from start to finish!!!
Kayla S..
We are so thankful for the knowledge and experience Stephen and Stephanie exemplified as they helped us navigate buying our first home. They explained what everything meant and helped us understand the entire home buying process. They communicated frequently and answered any questions we had.
Jordan B..
The level of trust and integrity is outstanding!
Alfred T..
We had an awesome experience with UHM. Their team was extremely helpful and very experienced. I highly recommend their services.
Ashley R..
Our process with UHM was great. Professional, relational, and understanding as we navigated the world of mortgages for the first time!
Dustin M..
Very considerate, personal experience. We enjoyed having a local person to work with.
Gabriel S..
Steve and Steph were an absolute pleasure to work with. Both of them were very patient, accommodating, quick to respond, easy to talk to and professional. I was very grateful for Steve and how engaged he was in my situation. As a young buyer who was unfamiliar with the process, he did a great job!
Kaitlyn G..