Heidi Kottwitz

Heidi Kottwitz

Vice President & Operations Manager
Office: 608-834-5000,


In 2007, Heidi was honored to join forces with Dan O’Brien and Educated Mortgage Services. She is best described by her friends and family as dedicated, hard-working, and loyal. When you get the chance to work with her, you will realize that she consistently carries those admirable traits over to her professional life as well. Heidi is multi-talented, efficient, and can handle any task that comes her way – she’s the MVP of the office! A passion for helping people guides her through her days. She understands that buying a home is the biggest purchase you will make in your life and how important it is to navigate you through the process. She is very patient and easy to talk to. Her goal is to provide an enjoyable experience for all the Educated Mortgage Services clients and create relationships that extend beyond the completion of a transaction. Heidi has been in mortgage lending since 2001 and she has the experience to walk you through every step of the way!

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Helping First-Time Home Buyers & Homeowners Across Wisconsin

At Educated Mortgage Services, we provide expert mortgage solutions for first-time home buyers and all home purchasers across Wisconsin. Whether you’re looking for a low down payment option through WHEDA’s first-time home buyer programs or a conventional loan, we offer tailored financing solutions to meet your needs.

WHEDA loans provide affordable pathways to homeownership with down payment assistance and competitive rates, making it easier for first-time buyers to transition from renting to owning. Additionally, we offer conventional, FHA, VA, and jumbo loan options for those looking to refinance or purchase a new home.

Below are some of the cities we serve, but we aren't limited to these locations: