Lake Oswego, OR

Let’s talk! Contact me now

Let’s talk! Contact me now

Heidi Schmidt

NMLS ID#90090
Phone: 503-706-6431

Lake Oswego Branch
5335 SW Meadows Road, Suite 460
Lake Oswego, OR 97035

Heidi Schmidt

Area Sales Manager

I was born and raised in Oregon and graduated from OSU in 1993, with a degree in Finance and a minor in Marketing and Communications. I have over 24 years of experience in the mortgage industry. I take great pride in building lifelong relationships with my previous clients, local banks, builders and realtors based on integrity, commitment to excellence, product knowledge and superior client experience.

I am very professional and I honestly care about your goals and giving you the path to get there. Since mortgage loans are uniquely individual, I offer a wide range of residential loan programs tailored to your specific needs, including first time buyers, refinance rate and term or cash out, Bay Equity’s Giving to Heroes program, non-owner investment loans, construction loans, remodeling loans and reverse mortgages for clients 62 years young.

One of my most valuable qualities is taking the time to get to know my clients. I find that when I can truly understand their goals and their current situation, then I can produce the results they’re looking for by finding the most efficient path to get them there. Choosing the right lender truly is important to ensure your home loan process is smooth and successful.

In my free time, I enjoy spending time with my family and friends. Whether it’s walking on the Oregon beaches, playing at the local parks or simply relaxing in our backyard, I focus on being present and enjoying our time together.

My #1 goal is to be present, listen and help clients make informed decisions, based on their life, while earning their trust to build lifelong relationships. Client referrals and repeat customers are very important to me; it’s truly the best compliment anyone can give me.

Let’s talk! Contact me now

“The loan process for my new home in Bend was a complicated one due to the sale of my property out of state. Heidi worked with me diligently, guiding me through the hurdles and saving me over $10k in closing costs alone compared to other lenders in the area. In addition, because she secured a conventional loan for me, I will continue to save $3k a month for the life of my loan. Huge savings! I strongly recommend Heidi to anyone in the market for a home loan. She goes above and beyond to succeed for her customers and is a pleasure to work with when navigating the home buying process.”

Geri G.

“Heidi Schmidt is and has been a leader in her industry for over 20 years and once you work with Heidi you will clearly understand why. Prior to becoming a Real Estate Broker, I purchased two homes thanks to Heidi’s high level of expertise, genuine level of care and guidance throughout the loan process. As a Broker it gives me great pleasure and satisfaction to be able to refer my own Client’s to Heidi, as I know they will be in the best of hands, experience top-notch service and be able to feel confident in their loan funding so to close on time. So, to sum it up Heidi is tenacious, welcoming, a problem solver, an expert at her craft, extraordinarily knowledgeable and above all she fundamentally cares for each and every client. ”

Sarah H.

“If you're looking for a crackerjack lender to help you with your home loan, you NEED to work with Heidi. Not only is Heidi incredibly personable, but she is prompt in communication, extremely knowledgeable about the loan process, and very diligent. Heidi will get the loan done! In one of our transactions together, we were having a hard time getting the Appraiser to turn in the appraisal or even respond to us...Heidi went and sat at his office waiting for him to return so we could finally get some answers. If that's not dedication, I don't know what is! I look forward to working with Heidi again in the near future!”

Elizabeth D.

“Our family was first introduced to Heidi, by our personal banker back in 2010. We enjoy working with Heidi because she is honest, clear communication, organized & very detailed. We recommend Heidi to our family and friends. You will not be disappointed.”

Juanita L.

“I have worked with Heidi since 2009, and I was introduced to her by my realtor. Heidi has always come through, with keeping my long-term goals in mind. I enjoy working with Heidi, she is very honest, upfront and keeps open communication. I will always choose Heidi for my mortgage lending needs. She is simply the best!”

Michael C.

“Heidi did a great job keeping me informed of the loan process and was very expedient when replying to any questions I may have had. I would recommend her & services to friends and family. Thanks Heidi!!!”

Lee W.

“We recently bought our home this month with Bay Equity as our loan company. And all throughout our home buying period, we never experienced any problems with Bay Equity. They were actually outstanding! Great customer service, really fast turnaround time, very professional people! They delivered as promised. They actually exceeded our expectations. THANKS, BAY EQUITY!”

Melissa L.