Your Dream Home Starts Here — Welcome to
Ridge Path
Ridge Architecture has always believed that your dream home isn't just a destination — it's a path worth taking. From the first sketch to the final detail, they guide their clients through the design and build process with vision and care, helping turn ideas into spaces that feel truly personal. But every great path needs the right financial foundation. That's where Mia Schultz comes in.
Meet Mia Schultz — Your Mortgage Therapist
Get to Know Mia
Mia is the kind of mortgage partner Ridge Architecture is proud to recommend because she brings calm, clarity, and real strategy to what can otherwise feel overwhelming. She knows how to align financing with the bigger picture — your timeline, your goals, and the kind of home you want to create — so the path forward feels manageable from the very start.
More Than a Mortgage Broker
The title "Mortgage Therapist" came about because she leads with empathy and listens with intent. She understands that financing a new build or renovation is never just about numbers — it’s about decisions, timing, and peace of mind. Her clients count on her to turn uncertainty into confidence, one thoughtful step at a time.
  • Deep experience guiding clients through new construction and renovation financing
  • Skilled at structuring loans around complex timelines and project goals
  • Trusted by Ridge Architecture as a referral partner who takes great care of clients
  • Known for clear guidance, steady communication, and dependable results
Some Options To Finance Your Project
Home Equity Line of Credit (HELOC)
Borrow against your home's equity as needed. Flexible, revolving credit with competitive rates — ideal for ongoing or phased new construction and renovation projects.
Cash-Out Refinance
Refinance your existing mortgage and take cash out at closing. One loan, one payment, and often a lower rate — perfect for large, one-time new construction and renovation budgets.
Ground-Up Construction Loan
Finance the build from the ground up with a construction-to-permanent loan. Covers land, labor, and materials — then converts to a traditional mortgage once your new home is complete.
Renovation Loan
Don't have enough equity for a cash-out refi? No problem. A renovation loan uses the after-repaired value (ARV) of your home to fund the project — so you can move forward without needing full equity upfront.
How It Works
From our first conversation to a funded loan, I’ll guide you through every step — whether you're planning new construction or renovation, so you can focus on the exciting part: your new space.
Let's Build Your Ridge Path Together
My Ridge Path is where great design meets smart financing. Ridge will design the vision. Mia will fund it. Together, we'll turn your dream home into a reality — with clarity, care, and confidence every step of the way. Whether you're just starting to explore ideas or you have plans in hand from Ridge Architecture, Mia is ready to help with new construction and renovation projects. Consultations are free, no-obligation, and genuinely useful.
Schedule a Chat
Schedule a time to chat about your new construction or renovation project and financing options.
Apply Online
Start your application at your own pace through our secure portal.
Call or Text
Reach Mia directly at 224-243-4087 for quick answers and personal guidance.

All mortgage lending services are provided by Edge Home Finance, LLC | Company NMLS #891464. Ridge Architecture is not a mortgage lender and is not affiliated with Edge Home Finance, LLC. Ridge Architecture does not offer or arrange financing and receives no compensation for mortgage referrals. This is not a commitment to lend or an offer to extend credit. All loan approvals are subject to underwriting guidelines, credit approval, and property eligibility. Programs, rates, terms, and conditions are subject to change without notice. Not all applicants will qualify.
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