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Steve Heideman is a widely respected expert on debt planning, the mortgage market, capital markets and commercial real estate. His expertise and opinion are frequently sought from a variety of media sources in radio, television, print and the internet. At the beginning of the credit crisis of 2007-2008,Steve was asked to give his input to the consumer protection regulation at the Federal Reserve Board of Governors in Washington DC for hearings on abusive lending practices.

Steve is the President of United Mortgage Financial Group, Inc. a residential mortgage company Heideman Capital Advisors a commercial and investment real estate capital firm located in Tempe, Arizona and Fulcrum Investment Strategies a social media network dedicated to education and the sharing of non-traded assets like commerical real estate and private equity. Through varied partnerships and connections with investment banks, hedge funds, banks, private investors and investment banks Steve has been building the capital structures for real estate acquisition, development, bridge, joint venture and permanent financing for over a decade.

Steve is honored to be the founding Past President of the UpFront Mortgage Broker Association (UMBA). This non-profit association was formed in 2000 by the esteemed Professor Emeritus Jack Guttentag, former Jacob Safra chair of the Wharton School of Business at the University of Pennsylvania. Steve was hand picked by Professor Guttentag from a list of 100’s of mortgage professionals to fill this role. During his tenure, the organization grew into a well respected voice for transparency in mortgage lending practices and consumer advocacy. To this day UMBA is the only non-profit consumer advisory group within the professional mortgage industry. For 2 years, Steve was the host of “Talking Dollars and Making Sense” for Phoenix’s KFNX 1100 AM news/talk radio station. The show was the drive time lead in for Bill O’Reilly. Steve has taken a sabbatical from the terrestrial radio medium to focus on the burgeoning social media of blogging and podcasting on the internet. Steve is currently the real estate finance “guru” for a financial advice website that was born from a partnership between two established companies, Dow Jones (publisher of The Wall Street Journal) and IAC (the internet company behind LendingTree, Match, College Humor and others) and is delivered in a web 2.0 format.

Work experience

Jan 2000Apr 2002

Mortgage Division Director

Ontrac Financial Corp.

Mortgage Advisor

Minnesota Mortgage Financial Corp.


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CMPS Institute

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