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Heather Sapp - Loan Originator | NMLS# 1277020 in Toledo, OH

Heather Sapp

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Loan Originator | NMLS# 1277020

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Who you work with Matters! When you want guidance in buying or refinancing a home, entrust that process to me! With 10 years’ experience in the Mortgage Industry, I will use all my skills and knowledge to put you on the right path and into... Show More
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  • SFTP
    L
    Linda R
    Edon, OH
    Posted on September 21st, 2025 02:11 PM
    Heather is bery knowledgeable and prompt to answer questions at all times of the day and weekends she goes above and beyond for her clients and agents she's working with
    Reply from Jim Axner
    September 24th, 2025 04:05 PM
    It's great to hear that Heather has been able to assist you so effectively. We value her commitment to providing knowledgeable support and timely responses, even beyond regular business hours. Your recognition of her efforts is appreciated,...
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  • SFTP
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    Vicki S
    Deshler, OH
    Posted on September 7th, 2025 01:12 PM
    Heather Sapp is the BEST!
    Reply from Heather Sapp
    September 8th, 2025 11:56 PM
    Vicki, I appreciate your kind words. It's great to know that your experience was positive, and I'm pleased I could be part of your process. If there's anything more you need, don't hesitate to reach out.
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    Kathy H
    Lancaster, OH
    Posted on July 29th, 2025 11:37 PM
    With a combined effort, we were able to help my clients secure lending and close on their new home... 1 day after they closed on their current home. Timing worked out perfectly and clients were happy with the outcome.
    Reply from Jim Axner
    August 1st, 2025 09:24 PM
    Thank you Kathy! Combined effort is what it's all about. I'm so glad this worked out and I appreciate your support of Heather and HHMS!
  • SFTP
    M
    Mikayla R
    Bowling Green, OH
    Posted on July 21st, 2025 08:59 PM
    Mortgage Lender Communication and Process Concerns Lender Heather Sapp and Underwriter Ellen Yaro Summary: The following outlines multiple concerns regarding unprofessional communication, unclear guidance, and process errors throughout our...
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    Reply from Heather Sapp
    July 21st, 2025 09:29 PM
    Mikayla, thank you for taking the time to share your detailed feedback. I understand the importance of clear communication and a smooth process, especially during significant transactions like a mortgage application. Your feedback highlights...
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  • SFTP
    R
    Richard E
    Bowling Green, OH
    Posted on July 18th, 2025 12:58 PM
    The system is complicated. Individual components(people) within the process asked for paperwork and information that was already given to others within the program. It would be less stressful and less time consuming if you one party could gather...
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    Reply from Heather Sapp
    July 18th, 2025 01:51 PM
    Richard, I appreciate you sharing your experience. I understand how dealing with multiple requests for the same information can be frustrating and time-consuming. I'm committed to making the process as smooth as possible and will definitely...
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  • SFTP
    T
    Tori M
    Curtice, OH
    Posted on July 17th, 2025 04:11 AM
    Heather was amazing. She was super friendly and approachable with any questions we had. She kept us informed every step of the way, and was proactive on getting every step completed ASAP. I would and have recommended Heather to all of my friends/family...
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    Reply from Heather Sapp
    July 17th, 2025 01:44 PM
    Thank you, Tori, for your kind words. I'm truly grateful for your trust and am so glad that I could help make the process smooth and approachable for you. Keeping everyone informed and being proactive are important aspects of my work, so it's...
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  • SFTP
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    Penny K
    Bowling Green, OH
    Posted on July 15th, 2025 01:44 PM
    Heather always provides excellent service to my clients and keeps me up to date throughout the transaction. Thank you Heather!
    Reply from Heather Sapp
    July 15th, 2025 03:28 PM
    Thank you, Penny, for your wonderful feedback. I'm pleased to know that I've been able to provide excellent service and keep you informed during the transactions. Your trust means a great deal to me, and I look forward to continuing to support...
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  • SFTP
    M
    Markieras O
    Toledo, OH
    Posted on July 7th, 2025 01:09 AM
    Reliable and clear communication with clear guidelines and expectations.
    Reply from Heather Sapp
    July 7th, 2025 12:17 PM
    Thank you for your feedback, Markieras. I'm glad to hear that you found the communication reliable and the guidelines clear. If there are any additional concerns or questions you have about your experience, please feel free to reach out so...
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  • SFTP
    B
    Beth A B
    Napoleon, OH
    Posted on July 5th, 2025 12:52 PM
    I have worked with Heather on many transactions prior and she has always done a great job for my clients. She works hard to find the right fit and getting the job completed (before or on contract date!).
    Reply from Heather Sapp
    July 7th, 2025 12:18 PM
    Thank you, Beth, for your continued trust and kind words. I'm thrilled to have had the opportunity to work with you on multiple transactions. Ensuring the right fit and meeting deadlines is always my priority, and I look forward to assisting...
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  • SFTP
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    Linda R
    Edgerton, OH
    Posted on June 23rd, 2025 02:19 PM
    Heather did a fantastic job. She explained all the new mortgage t ypes and helped the buyers decide which one was the best fit. Great Job!
    Reply from Heather Sapp
    June 23rd, 2025 02:45 PM
    I'm delighted to hear that you had a positive experience with your mortgage process. It was a pleasure assisting you in finding the best mortgage option for your needs. Thank you for your kind words and for choosing Howard Hanna Mortgage Services....
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    About
    Who you work with Matters! When you want guidance in buying or refinancing a home, entrust that process to me! With 10 years’ experience in the Mortgage Industry, I will use all my skills and knowledge to put you on the right path and into the right loan program that fits your needs. You can expect open and honest communication throughout the whole process as I know first-hand how stressful it can be. My number one goal is to make sure that you have the best experience possible so that you want to tell all of your family and friends! Referrals are the heart of my business!
    Products & Services
    Mortgage Loan Officer
    Mortgage Refinance
    Specialities
    Mortgages, Refinances, and Credit Repair
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    Positions
    • Howard Hanna Mortgage Services - Mortgage Loan Officer
      Jul 25th, 2022 - Current
    Addresses and Serving Areas

    Year Started

    2022

    Time Zone

    Eastern Standard Time (EST)
    Licenses
    • NMLS# 1277020
    Hobbies
    • Riding Harleys
    • Traveling
    • Horse Back Riding
    Disclaimer

    Equal Housing Lender

    NMLS# 101561. Terms and conditions apply. Offer of credit is subject to credit approval. Contact Howard Hanna Mortgage Services for mortgage products and eligibility. For full licensing information, visit www.nmlsconsumeraccess.org.