"It's not about working hard, it's about working together. You have to care more about the team than you do about yourself."

-John Calipari

Heidi Schmidt

Area Sales Manager

NMLS ID# 90090

(503) 210-0330
5335 SW Meadows Road
Suite 460
Lake Oswego, OR 97035

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 26 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.


Home-buying by numbers


Your monthly mortgage
Estimate includes principal and interest only. It does not include taxes and insurance. Talk to a loan officer for specific calculations.


What’s your monthly payment?

Estimate your monthly mortgage with this home loan calculator. Just remember, your results are only estimates.

Contact me and I can get you an official figure. I’m here to help.

Built on family and forward-thinking

Bay Equity is family owned and operated. This video is about our start and our technology-driven relationship with Microsoft.