Sheila Schmidt

Loan Officer



Branch Address

901 Saginaw St, Bay City, MI 48708


Cell: 989-780-8401

Office: 989-321-6523

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Out of 5 Stars Based on 83 Reviews

Find Out Why Borrowers love working with Sheila

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Sheila Schmidt is an experienced Loan Officer who has been helping clients with their mortgage needs since 2003.  She started her career with a lending and investment company where she learned the ins and outs of consumer finance and mortgage loans. Having a background with a financial institution gave her the ability to look at an entire financial picture and find a mortgage that aligned with the client’s goals. Twenty years later, she still loves the mortgage industry and the opportunity it brings to connect with people and find a way to get them into their own home.

With decades of experience, Sheila can provide education and guidance on all types of loan programs and products. However, she especially loves helping Veterans with their VA loans and those going through a divorce. In fact, Sheila is working toward her training to become a Certified Divorce Lending Professional (CDLP).

Born and raised in Michigan, Sheila helps clients all over the state, but the bulk of her clients are where she lives and works – in the Mid-Michigan area. She understands the local housing market and has extensive knowledge of the Michigan State Housing Development Authority (MSHDA) loan program.

As an affiliate member of the Bay County Realtor Association (BCRA), Sheila like to stay engaged with the community she loves. Every year, she participates in the annual charity golf outing  to benefit local military Veterans and the local chapter Toys for Tots program.

Sheila feels her greatest professional accomplishments are the relationships she has built. She understands that obtaining a mortgage is more than a transaction – it is a very personal experience, and she takes the time to really get to know her clients.  She loves when she can empower single parents, divorcing clients, or those with challenged credit see that owning a home is possible for them. It is her caring, attentive nature that has earned her MiMutual Mortgage’s Top Loan Officer in Customer Service many times over!

If you would like to start your journey to homeownership with a Loan Officer that will be your point of contact from beginning to end, give Sheila a call today!

I was a first time home buyer. Shelia went above and beyond from start to finish.  She took my late night calls or text when I had worries or concerns without hesitation.  She made this an easy and comfortable process for me and I could never thank her enough!

Kelly C

Saginaw, MI

Sheila was great! She has expert knowledge and was able to answer all of our questions and concerns along the way. She was very understanding of any concerns we had ans addressed the immediately, even on days off. We really appreciated her hard work and dedication. My husband and I would most definitely recommend 👌

Chastity S

Hastings, MI

Sheila was awesome to work with! She was always super friendly and very punctual with delivering information during this process. Any question I had she made sure to answer so that I knew exactly what was going on.

Chelsea B

Central Lake, MI

Sheila goes above and beyond helping people. Step by step, she walked my client through the process always making sure he understood everything.   Sheila was great to work with and kept me up to date throughout the entire process. Everything came together smoothly!

Kristi Lambert


Sheila was very helpful and informative. This was my first home so I was new to the process and she kept me informed every step of the way. She is very easy to work with and you can tell she really values her relationship with clients.

Kristen W

Bay City, MI

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Mortgage Programs Explained

There is no one-size-fits-all when it comes to mortgage lending. MiMutual has numerous loan options to fit every budget and situation. At MiMutual Mortgage, you can expect a one-on-one consultation to determine the right loan program for your unique situation.