Atlas Mortgage is the Retail Divison of Schmidt Mortgage and the main office is located on the west side of Cleveland Ohio. We specialize in first time homebuyers, no money down home loans, and refinances of all kinds.

Schmidt Mortgage was started in 1940 by the Schmidt Family.  We claim to be the oldest company of our type in Northern Ohio.  Besides originationg loans we also service some of the loans we originate.  Call me if you want an experienced and qualified Financial Professional. 

Besides the company website I have a few personal sites that offer additional information and loan calculators.  

Please consider visiting

• www.OhioBuyersAndSellers.com  This site allows Realtors and "By Owners" to showcase properties available for Sale or Rent. 
• www.CostofRenting.com This site has information that could be useful to buyers and sellers.  Some of the calculators available are:  Seller Proceeds, Cost Of Renting and Payment Calculators that allow multiple calculations including Interest Only Options.   APR calculations can also be preformed.

• First time home buyer mortgages
• Little to no down payment loans
• Manufactured Homes
• Conventional Mortgages
• FHA Loans
• VA Loans
• OHFA Loans (Reduced Rate 1st Time Buyers**)
• Rural Home Loans
• Refinances (rate and term, debt consolidation, cash out)
• No cost home equity lines of credit
• Good credit and bad credit mortgages

** Not owning a home in the past 3 years or purchasing a home in a tartgeted area.   A number of targeted areas exist in Cuyahoga and Lorain Counties.   Call for additional Information

Are you looking for low interest rates for a Cleveland home ? There are many mortgage web sites that advertise they offer the best loan possible at the lowest interest rates available in Cleveland Ohio.  Beware of those claims, you would be surprised with the number of phone calls I receive from these internet companies offering to sell those leads to me.   Only use them if you want your name sold to a number of different lenders.  Also consider the lender is paying for your name address and phone numbers.  Ask yourself the question, "Who is really paying?"  You will likely find out it is YOU.  It could be in additional closing costs or being placed in a loan that is not to your advantage.  Also consider most of the lenders that buy these leads are not located in the Cleveland Ohio market area.  With that said, I believe when possible we should support Local businesses whenever possible.  As a local lender I contribute to the Cleveland Ohio economy and have a vested interest in the future of our community.  


Buying (or selling) your home can become somewhat complex and a experienced local lender can be a valuable asset. I'll tell you a little of ideas and philosophy and then list a few other interesting Web Sites that can add to your store of knowledge. Our web site offers a strategic approach to saving time and money in the home buying process. 

Whether you plan to buy immediately, in a while, or not yet sure, follow these steps. You won't spend a dime until after the house is found, and the little up front planning time will save hours of wandering. This is not a substitute for professional help and not all items will apply to you 

If buying a house isn't right for you, this is the fastest way to find out. If it is, following these concise tips should make your process faster, easier and more fruitful. Tim Bradford and Atlas Mortgage will help you find the loan that you have been looking for.