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Linda Schmidheiser
Jr. Loan Officer

lschmidheiser@houseloan.com

720-285-9060

Prequalify Now

Linda Schmidheiser

Jr. Loan Officer NMLS #1325661

Buying a home or exploring a refinance? Connect with Linda to talk through your goals, ask questions, and explore your next steps.

Linda Schmidheiser
10800 E. Geddes Ave.
Suite 200
Englewood, CO 80112
View all 2 locations

Meet your loan officer

About Linda

My goal is to get to know you and find the right loan for your needs. From our first conversation to closing day and beyond, you can expect a clearer, simpler, and more connected financing experience.

You deserve a mortgage professional who has your best interests at heart. That's exactly what you'll get here.

What clients say about Linda

Linda and her team made financing a new home purchase with a short escrow a very easy exercise (and even closed early!). No hiccups. No surprises. No drama. Great coordination with all parties across 3 states. Everyone was professional, efficient, and very personable. Really... the way it should be done. Everything you could ask for, and will call her first the next time.

Mark Thomas
Source: Zillow | Sep 21, 2026
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Linda and her team served our needs in a significant way. We would not only use them again, they are now our first call when we have questions about how to navigate some of our most important financial questions.

PhillipGreen0
Source: Zillow | Nov 10, 2025
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Linda was a great help to us while we were doing our HELOC. She was attentive and guided us through the process seamlessly. She responded quickly to questions and we are so glad we got to work with her.

Nickie klein
Source: Zillow | Jul 16, 2025
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I recently had the pleasure of working with Linda at Central Bank, and I cannot express how thankful I am for her outstanding service! From the very beginning, Linda took the time to understand my unique financial situation and guided me through the mortgage process with patience and expertise. Linda was incredibly responsive, always available to answer my questions and provide updates. She made what can often be a stressful experience feel seamless and manageable. I was particularly impressed with her attention to detail and the personalized approach she offered, ensuring I felt supported every step of the way. Thanks to Linda, I secured a mortgage that met my needs perfectly. I highly recommend her to anyone looking for a reliable and knowledgeable mortgage lender. She truly goes above and beyond to help her clients achieve their homeownership dreams!

oliviabeltran54
Source: Zillow | Jun 02, 2025
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We worked with Scott for our loan but Linda stepped in when Scott was on vacation. I wanted to give her a review bc she really worked hard to help get us to our finish line and tell her how much we appreciate her. Her communication is perfect and she is so knowledgeable. She is so kind and just amazing at what she does! Really can’t thank her and her team enough for all they did for us!!

Deanna Shelton
Source: Zillow | Aug 14, 2024
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I’ve worked with Linda on two home purchases and a HELOC. She is amazing I highly recommend her. Very responsive and does her best to have everything close as quickly as possible. She gives you all of the information up front so you have no surprises. I would not go to anyone else!

Katie B
Source: Zillow | Jun 27, 2024
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Linda and Scott are two wonderful people who will always go the extra mile to help. They are transparent, helpful, resourceful, and always prepared to offer options and opinions that keep you, the customer, in mind. I closed in time and got an excellent deal on my property, ended up paying less than I was expected. I could not have asked for a better team! Thank you so much, Linda and Scott.

Dante Chaparro Vega
Source: Zillow | Jun 17, 2024
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Linda was very easy to talk to with addressing concerns that my wife and I may have had regarding the process of our HELOC loan. She always responded to any concern we had and never made us wait in regards to the whole process. We had to close quickly as we had other irons in the fire. She was on point with everything. A pleasure to work with. Thank you, Linda.

Jason Bingham
Source: Zillow | Feb 28, 2024
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Throughout my various mortgage loan journeys, including a house purchase, a refinance, and a HELOC loan, Linda has proven to be my trusted go-to. The world of mortgages can be overwhelming, but Linda has a talent for breaking down technical jargon into clear and simple language. Whenever I have questions, she is always willing to hop on a call and discuss things with me. It's clear that she is invested in helping me achieve my goals, and I highly recommend her to anyone seeking a mortgage loan.

Jason
Source: Zillow | Sep 28, 2023
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Linda and her team were always available to answer my questions and were always upfront with what needed to be done and when. The entire process was made much easier knowing the money was being handled by such an excellent team. There is no one better for a first-time buyer.

Will G.
Source: Zillow | Jul 06, 2023
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I could not recommend Linda and her amazing team more!! Moving to a new state is stressful enough, but buying a house for the first time since 1986 made this process paralyzing. Linda and her team gave me an extremely easy, smooth, and transparent loan process that I could understand! Reach out to Linda, and you know you can sit back and relax while she takes care of everything for you!

hollyruthcrocker
Source: Zillow | May 23, 2023
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As first time home buyers we had no idea what to expect in the home buying process. We had so many questions! A close friend referred us to Linda and told us we would be in good hands. He could not have given us a better referral! Linda provided the guidance and direction we needed that ultimately led us to our goal, our dream home! Every step of the way, she made it clear and easy to understand how to prepare, navigate, and what to expect next through the process. She was always quick to respond to our questions and concerns. There was never any doubt that we would reach our goal of home ownership. Our experience was so much better than we could have ever imagined! Linda and her team are truly amazing and we will 100% recommend them to anyone we know who's looking for a lender!

Nicole V.
Source: Zillow | Dec 23, 2022
View review on Zillow

Full review

Let’s connect

Contact Linda

Share a little about your plans and how to reach you.

Phone icon Call 720-285-9060

Envelope icon lschmidheiser@houseloan.com

Office locations

10800 E. Geddes Ave.
Suite 200
Englewood, CO 80112
1177 West Loop South
Suite 700
Houston, TX 77027

Mortgage insights

Helpful guidance for buying a home, financing your next move, and understanding your mortgage options.

Homebuying FAQs

Purchasing a home enables you to receive tax benefits while building equity that you can cash out in the future. Owning a home also gives you the opportunity to truly personalize your space.

Yes! Prequalifying first can help you save time and effort before you get too far into the process. You will know upfront how much home you can realistically afford. It also lets real estate agents and sellers know that you’re a serious buyer, which can be an advantage when making an offer.

Your lender will consider a number of factors when determining your maximum loan amount. Some of these include your debt-to-income ratio (how much of your monthly gross income goes toward paying debts), cash available for down payment and closing costs, and credit history.

Your loan officer will work with you to determine which loan product benefits you. They will review your current finances and future financial goals. Your loan officer will also consider factors like your target monthly mortgage payment and how long you plan to live in the home.

A fixed-rate mortgage has an interest rate and payment that stay the same over the life of the loan. With an adjustable-rate mortgage, the rate can either increase or decrease, based on market factors. The monthly payment can also go up or down based on the rate adjustment.

A conventional mortgage is a home loan that is not offered or secured by a government entity (like FHA or VA). Conventional mortgages typically conform to the loan limits set by the Federal Housing Finance Administration (FHFA) and are eligible for purchase by Fannie Mae and Freddie Mac (the two government-sponsored enterprises that guarantee the majority of mortgages in the U.S.).

Unlike government loans like FHA, VA, and USDA, conventional loans can be used for more property types (primary residences, second homes, and investment properties). In addition to the popular 30-year fixed conventional loan, there are also more choices for loan structure, including 15-year or 20-year terms and adjustable-rate mortgages.

Ready to find the loan that fits your life?

It starts with a conversation, not a commitment. Connect with Linda today.