Stephen Micham NMLS # 140175

Stephen Micham NMLS # 140175 Union Home Mortgage Corp. UHM NMLS #2229 LO NMLS # 140175, OH MLO.008330.00|MI 140175
OH RM.802837.000 Thank you for visiting my page.

Experience: A lifetime resident of Northwest Ohio with over 23 years of mortgage lending experience, I’ve helped thousands families with their home lending needs and dreams of home ownership. As of the time of this edit, I am the only Mortgage Banker in Northwest Ohio to hold the Certified Divorce Lending Professional (CDLP®) certification. The knowledge obtained through this designation process

has provided me a much more robust understanding of the financial, legal, and tax implications associated with the unique needs of divorcing individuals as they separate the marital household. Ability: Backed by Union Home Mortgage with our commitment to ‘Promises Kept™’, I am able to offer home lending solutions for most every need from first time home buyer options requiring little to no down payment, to new construction and home renovation loans. If you have a need, there’s a good chance I will have a product to help. I enjoy working with first time home buyers and am exceptional in finding creative solutions for difficult situations and borrowers who may need a little more assistance in walking through the process. Promise: My highest priority is to serve well, providing clients and partners with an exceptional lending experience. I care about people and provide honest, straight forward advice to help you meet your goals. Personal: I have 2 adult sons and currently live in Perrysburg, Oh with my wife Sara, a Licensed Professional Counselor who operates a private practice in Holland, Oh. In my spare time I enjoy exploring the Metroparks and riding mountain bike trails. I am also active in the greater faith community of Northwest Ohio, serving in various roles at my church. I appreciate your trust & look forward to working with you!

Most people don't realize a divorce decree can quietly disqualify them from the very mortgage they're counting on.Suppor...
06/09/2026

Most people don't realize a divorce decree can quietly disqualify them from the very mortgage they're counting on.

Support income that hasn't seasoned. An equity buyout structured the wrong way. A settlement that looks fair on paper but falls apart at the closing table.

As a Certified Divorce Lending Professional (CDLP®), this is exactly what I'm trained to catch — and prevent. I work where family law, tax, and mortgage financing intersect, so the plan holds up long after the ink dries.

Education is the strategy. If you're facing a mortgage decision in divorce, let's talk before the terms are final.

Identity theft is an often-overlooked risk during divorce.Shared access to financial accounts, tax documents, and online...
06/04/2026

Identity theft is an often-overlooked risk during divorce.

Shared access to financial accounts, tax documents, and online logins doesn’t automatically end when the marriage does. That continued access can quietly damage credit, expose personal data, and create obstacles to future mortgage financing.

Divorce lending isn’t just about qualifying for a loan—it’s about protecting financial stability during a vulnerable transition. As a Certified Divorce Lending Professional (CDLP®), I help identify identity-related risks early so housing decisions are built on safety, clarity, and feasibility.

If you’re navigating divorce or advising divorcing clients, schedule a strategy call to protect credit, identity, and housing options before problems arise.

Your home is more than four walls—it holds your memories, your milestones, and a sense of stability.But when divorce ent...
06/02/2026

Your home is more than four walls—it holds your memories, your milestones, and a sense of stability.

But when divorce enters the picture, what happens to the home can become one of the hardest questions to answer.

Do you keep it? Sell it? Split the equity?
It’s not just about the what—it’s about the how.

As a Certified Divorce Lending Professional (CDLP®), I help you figure out what’s best for you. These are big decisions—but you don’t have to make them on your own.

Let’s bring clarity and strategy to the table—so you can move forward with confidence.

When you’re ready, I’m here.

Moving across the country is stressful enough—finding your next home shouldn't add to it!When David reached out after ye...
06/02/2026

Moving across the country is stressful enough—finding your next home shouldn't add to it!

When David reached out after years away from the housing market, we jumped right into action to secure a great rate and lock things down fast. But what truly makes this job rewarding is being able to help the people my clients care about, too. Getting their referral with subpar credit on the right track to homeownership was the icing on the cake!

Thank you, David, for the incredible shoutout and for trusting The Micham Team!

Ready to make your next move? Let’s chat and get you on the fast track to your dream home.

Even the best-crafted divorce settlement can unravel when the lender’s required appraisal differs from the agreed value....
05/28/2026

Even the best-crafted divorce settlement can unravel when the lender’s required appraisal differs from the agreed value.

As a CDLP®, I work with attorneys, mediators, and financial professionals to ensure mortgage-related terms—especially equity buyouts—are feasible under lending guidelines.

An appraisal contingency clause, supported by strategic divorce mortgage planning, is a safeguard that helps protect both parties and ensures the refinance can move forward.

Read the full article: https://divorcebriefings.com/trapped

A quiet truth about divorce settlements:The largest asset on the marital balance sheet is almost always the home. And th...
05/26/2026

A quiet truth about divorce settlements:

The largest asset on the marital balance sheet is almost always the home. And the largest unmanaged risk in the settlement is almost always — the home.

Not because anyone is being careless. Because the home sits at an intersection most divorce teams aren't built to cover on their own: family law, tax planning, mortgage qualification, title, credit, and timing. Miss one, and language gets written that won't fund.

This is the lane I work in.

As a Certified Divorce Lending Professional (CDLP®), here's what I bring to your team:

• Buy-out and refinance scenarios modeled before settlement language is locked
• Mortgage qualification stress-tested against the actual decree
• Title, credit, and fraud exposure flagged early — not discovered later
• A coordinated handoff with the financial and tax professionals
• A housing plan the client can actually live in post-decree

The Divorce Lending Association calls this a "settlement-ready" approach. I call it the difference between a decree that closes and a decree that holds.

If you're building a divorce team and the home is on the list — there's a seat for me. Reach out directly and let's set up a conversation. I'll show you exactly how I integrate into your existing workflow.

Today we honor the brave men and women who made the ultimate sacrifice for our freedom. Grateful, always.
05/25/2026

Today we honor the brave men and women who made the ultimate sacrifice for our freedom. Grateful, always.

CDLP® is more than a credential. It defines a higher standard of care in divorce lending.Divorce settlements that involv...
05/21/2026

CDLP® is more than a credential. It defines a higher standard of care in divorce lending.

Divorce settlements that involve real property must be grounded in lending reality. Housing terms should be tested against current mortgage guidelines before they are finalized—not after. When feasibility is overlooked, settlements can unravel during underwriting, creating unnecessary delays, denials, and financial stress for clients.

As a Certified Divorce Lending Professional (CDLP®), I provide strategic mortgage analysis and settlement-ready insight so divorce professionals and homeowners understand what outcomes are actually sustainable and financeable in the real world.

If your work—or your life—intersects with divorce and real property, this perspective is essential.

Read the full article here:
https://divorcebriefings.com/4j0uajF

When every detail matters, delivering for my clients is always the priority—so grateful for the trust they place in me t...
05/20/2026

When every detail matters, delivering for my clients is always the priority—so grateful for the trust they place in me to guide them home.

In my work with divorcing clients, I've seen too many settlements fall apart months after the decree — a refinance denie...
05/19/2026

In my work with divorcing clients, I've seen too many settlements fall apart months after the decree — a refinance denied, a buyout that turned out to be unfundable, a spouse who qualified for the home but couldn't actually carry it.

The common thread? The property and lending analysis happened after the agreement was signed, when there was no room left to fix it.

This article walks through how the Divorce Mortgage Planning & Real Property Report brings that analysis forward — so attorneys, mediators, and financial neutrals are working from one document that reflects what the lender will actually support.

Worth a read if you handle divorce cases involving a home: https://bit.ly/49cE665

Address

900 W. South Boundary Suite 4A
Perrysburg, OH
43551

Telephone

+14192994700

Website

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