Todd Lillo
Branch Manager
[email protected]
Phone/Fax: (419) 668-9922
19 Whittlesey Avenue
Norwalk, OH 44857
NMLS 224237
Licensed in: OH, MI, KY, FL, MO, SD, PA, NV
OH LO.005872.000 | MI 224237 | KY MC700848 | FL LO78429 | MO 224237 | SD 224237.MLO | PA 107366 | NV 80907
If you're in the market to buy, sell, refinance or even build your dream home... you have a lot riding on your mortgage specialist. As market conditions and programs change frequently, you need to make sure you're dealing with a top professional who is able to give you quick and accurate lending advice. I'm proud to say I've been in this industry since 1995, and I can help you explore and pursue the many financing options we have available. Personally, I specialize in financing for first time buyers with low or even no down payment. My product line includes FHA, VA, RD (FmHA), Homepath, OHFA and more! Making sure you choose the right product for you is my ultimate goal, I'm committed to providing my customers with service that exceeds their expectations. I hope you'll browse my website, check out the different loan programs I have available and use the available decision making tools and calculators. If you're ready to move forward you can even apply for a mortgage in just four easy steps with the Short Form Application. After you've applied, I'll call you to discuss the details of your loan or you may choose to set up an appointment with me using my online form. You can contact me anytime (even nights and weekends) by phone, fax or email for personalized service and expert advice.
OH Point of Business 8241 Dow Cir., Strongsville, OH 44136
OH RMLA RM.802837.000
Meet Our Support Staff
Amanda Ferguson
Amanda Ferguson
Licensed Team Captain
(567) 202-8843 | [email protected]
NMLS 983632 | OH MLO-OH.1983632
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What Customers & Realtors Say About
Todd Lillo
My loan was not an easy one but they stuck with me and helped me get approved. They put up with all my questions, answered them quickly and made me feel at ease.
Jennifer M.
Todd and his staff are excellent! Made the whole process easy and were so helpful every step of the way!
Kayela H.
Great experience and will recommend them to everyone I know!
Dawson T.
Great people, great team, easy to work with, and very efficient!
Johnathan M.
My experience refinancing our home with Todd Lillo and his team was great! They made it so easy with electronic documents, weekly updates, clear lines of communication and prompt, courteous service. I would highly recommend UHM to any home buyer or anyone looking to refinance.
Bradley S.
This was a very difficult transaction by the seller and created delays on my closing. Without the hard work of Todd, I might've been delayed five additional days. I cannot say enough good things of how well my loan was handled and how I felt they were looking out for my interest.
Joseph A.
We are first-time home buyers, so the whole process was new to us. Whether talking on the phone or emailing, they got back to us right away and helped ease all the worry and stress we had. I can't thank Aja enough for everything she did! She was awesome and we enjoyed working with her!
Luke H.
This was a wonderful and mostly stress-free experience for a first-time home buyer. I owe it all to the hard work from the team.
Jason S.
The entire team was excellent from start to finish.
Kimberly M.
I was kept informed of the process every step of the way. Emails were responded to promptly (within an hour) and staff was friendly. No complaints here.
Brittany A.
Todd and his team pretty much held my hand for the last month.
Heather C.
I would like to write this review with the upmost respect. I COULDN'T HAVE GOTTEN MY HOME without all three of you. Todd, Aja and Amanda, you guys are absolutely on your A game! You all work so well together, even with the whole pandemic going on. Thank you all so much!
Michael S.
I was overall completely satisfied.
Kenneth K.
They handled every situation with us professionally and quickly!
Julie R.
It started with speaking to Todd on the phone. I had many questions and he had all the answers I needed. I know I received the best rate and service. There is no reason to go anywhere else for locals. Having someone with the local knowledge and easy to contact made us very comfortable.
Dennis B.
Pleasant. Everybody was super helpful, and Todd did everything he could to help get me the loan for my new condo. Would recommend UHM.
Mallory Z.
Very helpful and knowledgeable.
Bryce M.
I believe that everything was great. Would have been nice to at least meet you in person. I'm thankful for the loan and I'm happy in the new house.
Lea B.
I was super anxious about buying a house and the whole process, but Todd and Aja made my experience enjoyable and stress free! I would highly recommend Todd to anyone looking to purchase a home!
Megan C.
We are more than pleased with UHM! From start to finish it was a very easy process.
Ronald B.
The best mortgage team around. I appreciate Todd and his staff so much! They have knocked it out of the park twice for us! We will always choose to do business with you!
Christy J.
My experience was great from start to finish. They were courteous, prompt and answering questions and getting loan started in timely matter.
Phyllis H.
Top notch. They go above and beyond. Great communication. Very friendly and professional. Glad my bank recommended them.
Justin M.
Third time working with the Union Home Mortgage team and it was another great and successful endeavor.
Jessica K.
We are so happy we went with UHM. They made the loan process very simple. They also thanked us for our hard work too, sending documents in.
Morgan P.
Todd Lillo and the whole Union Home Mortgage team were great to work with! Very knowledgeable and extremely quick to respond to any questions I had through the process! They were fair and honest about which route I should take with my mortgage.
Robert E.
I was a first time home buyer and Todd Lillo and his team at Union Home Mortgage were amazing to work with! They were so helpful and made this process seamless. They were extremely responsive and above and beyond helpful!
Leslie H.
Everyone was helpful and guided us through the whole thing. Great experience.
Johnathan S.
Todd and his team were great! I've recommended people to his office prior to this and I will definitely continue to do so. With everything else so difficult to deal with this year it was nice having some thing go smoothly for once.
Larry S.
I bought my house from across the country. Everyone worked extremely hard to get everything done quickly, all while dealing with the difficulties that come with buying a home long distance.
Christopher C.
Union home mortgage had great communication, and was ready exactly when they said they would be. Every one I talked was very nice and polite.
Dakotah C.
The team worked very hard for me and my wife to get the house we wanted. This is our first house and the process is quite stressful and unnerving. They were great at answering my questions. And Amanda even listened to me vent about my frustrations with getting the paperwork needed. Great job!
Richard L.
My overall experience was fantastic. I was a first time home buyer to the process was intimidating. Todd Lillo and his associates were great at explaining everything, they were always available for a call or email and they were extremely organized. The app is also great to keep you on track.
Aubrey N.
Nothing but positive. Talked almost every other day with my officers office.
Jacob F.
I had a great loan experience with Todd and his team. Even in COVID times they kept my loan moving and it closed in a timely fashion. Todd even did a last minute revision at my request to lower my closing costs. It was fast, friendly and efficient: the perfect loan experience.
Mari N.
Todd Lillo and his team are top notch and do everything they can to help the buyer. Emails, calls, texts, it didn't matter. Always got a quick response.
Seth M.
It was excellent working with Aja, Amanda, Megan. They were very professional, super nice, answered any questions that we had and never rushed us if we called them about questions we had. Todd Lillo himself helped us out with our forever home so a big thank you to all of you.
Christine C.
They made the process so easy! Everything was laid out. They were helpful in letting me know exactly what to do.
Samantha W.
Loved the communication, Friday updates and with all thats going on with Covid, mass house buying and me riding a fine line I'm very happy with the results and it got done!
Terry T.
It's a great company to work with and will recommend them to anyone looking into a new mortgage.
Michael P.
UHM made our purchasing process for our first home incredibly smooth. They gave weekly step by step progress reports that explained what we needed to be doing in the simplest of terms.UHM has been a tremendous help and will be highly recommended to anyone looking to buy a home.
Austin U.
I’ve used UHM twice now (one purchase and one refinance) and couldn’t have had a better experience than I did. Todd and his team are top notch and I mention them to everyone I know that is thinking about buying a house.
Brandon A.
Excellent! The quickest turn around on a mortgage. Courteous professional people made it a breeze to deal with them. I would highly recommend them to anyone!
Michael S.
Went above and beyond the kindness to get us in our new home on the scheduled time we needed. Yes, I will recommend UHM. Fantastic group. Our appreciation is so deeply thankful!!!
Frank E.
As easy and efficient as a process like this can be mid-pandemic. Todd and staff were extremely helpful and patient every step of the way.
William B.
I've recommended so many people since my first time working with them - overall fantastic service & people!
Kathleen W.
It was fast and easier than I ever thought it would have been for being a first time home buyer. They made it a lot less stressful then I wouldn’t have thought too. Answered any questions I had and were always polite about everything. I’ve had a good experience with UHM.
Austin R.
Loved it! Everyone was so helpful especially Aja! You all moved fast and gave me tips when needed. Communicated in a fast manner and helped answer any and all my questions. A super kind and helpful team!
Madison B.
My overall experience receives a 10/10. I will absolutely spread the word to everyone I know to call, especially the Todd Lillo team!
Cassandra A.
Amazing experience! Everyone was so helpful and communicative, especially Aja and Megan. Would recommend to anybody!
Madison S.
From getting my application submitted to closing day, the whole process was so smooth with Todd and his team!
Dylan B.
Union Home Mortgage is the best of the best. They are fast with getting the job done and getting you into your own home. I wouldn’t of went with any other mortgage company. They are excellent with getting you informed and on your way. Thank you UHM.
Kyle B.
Everyone was amazing. Megan, Aja, and Todd were wonderful. So excited to be a homeowner thanks to your guys help!!!
Megan M.
Todd Lillo and his team did an outstanding job. I now have a much lower interest rate and will pay off my home 10-years earlier!
William C.
Todd’s team over in Norwalk are simply the best. They are the Ricky Bobby of mortgage lending. They’re the best there is - plain and simple.
Alex B.
My experience with Union Home Mortgage was great! They were always quick to help and to answer my questions. They made the whole experience less stressful for me because they were always explaining what was going on and what was expected so there were never any surprises. Overall, the process was fast and we ended up closing a week before our closing date!
Kristy D.
The Todd Lillo team is excellent! They were all so knowledgeable, courteous, patient and quick to respond to every question. This is a great team!
Valerie W.
Overall I would say that you would be doing yourself a disservice if you don't use UHM. Highly Recommend!
Matthew R.
The service is excellent. All questions were answered in a timely manner. The staff is courteous and friendly. My experience was awesome.
Sue C.
The Todd Lillo team was amazing to work with! They made buying my home as stress free as they could. They answered all my questions and went above and beyond for me. I would and have already spread the word what an amazing team Todd has. Their team was so pleasant and knowledgeable!
Leslie M.
Absolutely outstanding they do all the work for you and help take a lot of the stress off of you and great communication with their customers when you have a question or they need something they reach out to you and respond back or find you an answer for your question if their not quite sure!
Dawson T.
Everyone was super nice, process was super easy, and I couldn't be more happy with everything!
Norma S.
The Lillo team was great and communication was clear on expectations. Made it super simple and helped answer any questions I had.
Erin H.
Todd Lillo and his staff are awesome. This is the third time we have gone with him and we will keep going to him in the future. Everything was smooth and we didn’t have to worry about anything during the loan process.
Jennifer G.
I am a high maintenance client. Amanda, Aja, and Megan with Todd Lillo's office were amazing and patient with me. They were able to answer my questions quickly and made me very comfortable with the loan/closing process. They were there every step of the way. I am very happy with UHM and I will come back if ever needed and will always speak well of Todd Lillo's team. Todd called me personally when I was looking at other options and I'm glad he did!
Matthew C.
Everyone at UHM was accommodating, kind, and easy to work with. Even though it was our first home buying experience, and we were doing it without a realtor, they made it so much easier with their guidance. It was a fast, smooth process with the UHM team’s help. They communicated everything clearly to us and were always fast and available to answer our questions. We were very happy with our experience!
Mackenzie S.
Todd Lillo's team was a dream to work with! Very personable and friendly, felt like I was working with friends instead of feeling like just another client. I recommend Todd and everyone at his office to anyone who is thinking about purchasing a house. Thank you all!
Courtney M.
Everyone was super helpful. I would definitely recommend them to anyone who is looking to buy a house. They made the first home buying experience really easy.
Crystal G.
Exceptional! Todd and his team were amazing! Very friendly and easy to work with. Very helpful and connected through every step of the process. Very knowledgeable, diligent and thorough. Highly recommend this team!
Amanda R.
Our overall experience with UHM went well! They were always an email or phone call away from answering any questions and helping us through the loan process. Everyone there was extremely friendly and helpful! Thank you so much! We love our new 18th century home!
Lisa R.
The process was very smooth, I loved working with the online portal, and when I did need a personal touch someone was there to help me.
Steven K.
My experience was great with Union Home Mortgage. Every person involved was nice and personable. They were quick and responsive, which made for an on time closing. I highly recommend.
Tim K.
The experience was great, and they helped me every step of the way!
Lorenzo A.
Fast an easy and very friendly! Anytime I had a question it was promptly answered.
Julie G.
Our experience with UHM was a very pleasant one. We were given answers to our questions with speed and in a way we could understand. We are very happy with the process of buying a house with the help of UHM.
Lisa C.
Todd was very well mannered and took time even on his vacation to walk me through steps. His team was very patient with me, asking questions to help me feel comfortable with everything!
Samuel F.
It was a good experience. They gave us good expectations, told us the information that we needed, and that they would need further information at a later date. As long as we got it to them timely, we could close on time and we did!
Michael P.
Working with Todd and Amanda was a great experience. They were very helpful, answering every question I had and explaining everything!
Nathaniel G.
I am extremely appreciative of the great communication, professionalism, and attention to detail.
Robert O.
The whole process was smooth and efficient. No issues with anything along the way and all my questions were answered quickly.
Justin G.
Every one was amazing through out the several months they worked with me. And I would gladly recommend them to anyone in the future.
William B.
Amanda made the experience great, and Todd talking me through the process on our initial phone call was great.
Natalie G.
It was a great experience and we were treated with the utmost respect. Communication was great throughout the process and everything went smooth.
Mitchell S.
It was a very quick, easy and friendly experience from start to finish. If I ever need another loan, I will happily choose UHM again!
Daniel E.
It was great from beginning to end! No issues with communication, service was always reliable, and I felt like I had someone to rely on during the home buying process.
Brandon E.
Todd and Amanda always kept me informed of any updates of the status of my loan application and answered any questions I had. Both are very professional and knowledgeable of all aspects of the borrowing process. From start to finish they made me feel well informed and prepared.
Robert D.
My experience was excellent! They helped me get all my stuff around, walked me through the process, answered any questions I had, were always available for me to talk to and just all around amazing!
