Heidi Schulzke

Title: Mortgage Branch Manager

NMLS# 968222

Location: Medford, OR

At Sunflower Bank, we do things differently than other home lenders. We believe that communication is key, so whether you’re a first-time homebuyer, or a seasoned homeowner looking to refinance, we make sure to walk you through every step of the process. We offer a variety of loan options from conventional, to government, to everything in between. Our comprehensive suite of lending options allows us to find you a product that best suits your financial needs.

We value your business, and you are definitely not just a number to us. We show this by servicing your loan from beginning to end – we don’t close a loan and pass off our clients to a third-party. In fact, Sunflower keeps most loans in-house to completion. This person-to-person approach makes an impact.

Ready to get started? Contact me today! Creating possibility for our customers and putting them in their dream homes is what we do.

Family of 4 moving into home carrying boxes

Down Payment Assistance

Did you know there are programs that can help you find funding for your down payment? We are proud to offer a range of national and state-specific Down Payment Assistance programs that can help turn your dreams of homeownership into reality. Click below to see if you are eligible. 
Check Eligibility
Woman holding phone and smiling

My Mortgage App

My mortgage app makes it easy! Get your digital to-do list, access calculators, send documents securely and much more!

In just a few clicks you'll receive a text message with a custom download link to connect directly with me on the mobile app!
Get My Custom Mobile App Link
Calculator on table with pen and laptop

Calculators

Get help answering the big questions:
What will my monthly payments be? 
Can I save money by refinancing?
Should I keep renting or buy now? 

Visit our calculators for quick reference then contact us for specific guidance!
Check Out Our Calculators!

Finance Your Dream Home

Homebuying isn’t a one-mortgage-fits-all experience. That’s why Sunflower Bank offers a variety of home loan options to fit your goals and financial needs. Whether you’re looking to buy, build, or refinance, our expert loan originators will guide you through possible options to find the right solution for your homebuying needs.
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What My Customers Say

5 Star Rating
Good communication, works hard to produce best outcome.

Kyle D

OR

Mar 26, 2026

4.8 Star Rating
Heidi was always friendly and helpful. She was available whenever I needed her and helped keep me on track for owning my home:)

Jerusha K

OR

Jan 29, 2026

5 Star Rating
Heidi covered all of my questions and concerns with clear, concise answers.

Robert K

OR

Dec 28, 2025

5 Star Rating
Heidi really knows her business well. When given challenging circumstances she can deliver satisfying results within a specific timeframe. I wholeheartedly endorse her for your financial endeavors.

David S

OR

Dec 25, 2025

5 Star Rating
Heidi is top notch…personable, knowledgeable, and gets things done.

Diane V

OR

Dec 23, 2025

5 Star Rating
Heidi is an amazing Mortgage Broker/Loan Officer. Excellent communication and creative thinking. A++ all the way.

Denise S

OR

Nov 11, 2025

5 Star Rating
Heidi makes it so easy to understand and goes above and beyond to explain the process every step of the way.

Danielle B

OR

Nov 09, 2025

5 Star Rating
Heidi took the time to listen to our needs and was extremely knowledgeable in finding the right loan for us. She walked us through the entire process and was patient with us. She is friendly and easy to work with.

Chad F

OR

Nov 08, 2025