Your Dream Home Starts Here — Welcome to My Ridge Path
Hi, I'm Mia Schultz — Mortgage Therapist and trusted mortgage broker. Ridge Architecture refers their clients to me because I make home financing simple, personal, and stress-free. Whether you're planning new construction, expanding, upgrading, or transforming your space, I'll help you find the perfect loan to make it happen.
Four Ways to Fund Your Projects
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.
Meet Mia Schultz — Your Mortgage Therapist
More Than a Mortgage Broker
I earned the title "Mortgage Therapist" because I listen first. I understand that financing a new construction or renovation project isn't just a financial decision — it's a life decision. My clients feel heard, informed, and confident at every step.
- Years of experience in residential lending
- Specialist in new construction and renovation financing
- Trusted referral partner of Ridge Architecture
- Known for patience, clarity, and results
Ridge Architecture Trusts Me With Their Clients
I am Partner, Not Just a Lender
Ridge Architecture designs beautiful, thoughtful homes. I handle financing for new construction and renovation projects with the same care — so clients can focus on the design, not the paperwork.
What Sets Me Apart
- I specialize in new construction and renovation financing.
- I have deep relationships with many lenders
- I communicate quickly and transparently
- I take a no-pressure, consultative approach
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.
What Clients Are Saying
"Mia and Jennifer were absolutely amazing! I'm so glad I found them. Even after dealing with some headaches, they were there to listen to me and reassure me everything was going to work out. And it did! We found a beautiful home and Mia and Jennifer walked us through the process smoothly."
— jlozano2014 ⭐⭐⭐⭐⭐
"I found Mia and her team online after going to 4 other lenders. She really understands the guidelines of purchasing a home if you have student loans, and she also knows how to finance both new construction and renovation projects. I was so impressed with her online system that gave me constant updates of where I was in the process. I highly recommend working with this company. They are experts in their field."
— Sheila C. ⭐⭐⭐⭐⭐
"Mia helped me purchase my first home. After others said no, she was able to solve my problem and get me approved very quickly. She told me she knew what to do and proved it very quickly. She was so professional and detailed and always there to answer any questions. I highly recommend her to anyone looking forhome financing"
— Khalilah Shields ⭐⭐⭐⭐⭐