"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

F:
(503) 210-0330
A:
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.

Loan Calculators


Use the calculator links below to help plan your home purchase or refinance.

Please note, the results are only estimates. Talk to your Loan Officer to get an official figure. We're here to get you home.

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.