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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
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    Cassandra B
    Edon, OH
    Posted on March 15th, 2025 12:21 PM
    We found our forever home!
    Reply from Heather Sapp
    March 15th, 2025 02:02 PM
    Cassandra, I'm so thrilled to hear that you found your forever home! It was such a pleasure working with you throughout this journey. Knowing that I could play a part in helping you secure your dream home brings me immense joy. Wishing you...
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    Kristin F
    Toledo, OH
    Posted on March 4th, 2025 07:28 AM
    Heather always answered any question I had and if she didn't know it she found out for me! No matter what day or time she always was there and I appreciated that!
    Reply from Heather Sapp
    March 15th, 2025 02:05 PM
    Kristin, thank you so much for your kind words! It was a pleasure working with you, and I'm thrilled to hear that you felt supported throughout the process. I'm always here to help and make sure you have all the information you need, so I'm...
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    Jordyn Y
    Wauseon, OH
    Posted on February 24th, 2025 01:13 PM
    Heather is always great to work with. Excellent communication and proactive problem-solving. This transaction we were on a tight timeline, and she still managed to get it done for our mutual client!
    Reply from Heather Sapp
    February 25th, 2025 08:49 PM
    Jordyn, thank you so much for your kind words! I'm thrilled to hear that you had a positive experience. Working with you to help our mutual client was a pleasure, and I'm glad we could meet the tight timeline together. Your collaboration and...
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    Joshua B
    Oak Harbor, OH
    Posted on February 22nd, 2025 04:04 PM
    Heather was very professional, very responsive and answered the phone every single time I called her
    Reply from Heather Sapp
    February 22nd, 2025 07:03 PM
    Thank you so much for your kind words, Joshua. It was a pleasure working with you and being part of your home-buying journey. I'm glad to hear that my availability and responsiveness made the process smoother for you. If you ever need assistance...
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    Kimberly D
    Napoleon, OH
    Posted on February 10th, 2025 01:51 PM
    This was a rough one all the way around. We learned somethings about an advanced equity loan, unfortunately that learning curve came with hiccups that caused a delay in closing that put the seller over the edge. A little more training on Advanced...
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    Reply from Heather Sapp
    February 10th, 2025 08:26 PM
    Wow, Kimberly, I'm so glad you appreciated my help navigating those hiccups with your advanced equity loan. I know it was a rough process, and I really appreciate your patience and understanding as we worked through everything to get your purchase...
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    Logan S
    Napoleon, OH
    Posted on February 3rd, 2025 12:49 PM
    Communication was difficult. I felt I had to reach out multiple times to get an answer, and often the answer felt incomplete. Communcaiton was responsive and fast when in the pre-approval part of the process. Once we decided to use Howard Hanna,...
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    Reply from Heather Sapp
    June 16th, 2025 03:35 PM
    Thank you for sharing your experience, Logan. I apologize for the communication challenges you faced during the mortgage process. Your feedback is invaluable, and I am committed to improving the clarity and responsiveness of our communications....
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    Zaki H
    Whitehouse, OH
    Posted on January 14th, 2025 06:58 PM
    Heather was very kind and helpful through the process.
    Reply from Heather Sapp
    January 14th, 2025 07:06 PM
    I'm so thrilled to hear that you had a positive experience with me at Howard Hanna Mortgage Services, Zaki! Your kind words are very much appreciated. Assisting you with your purchase was truly a pleasure. Thank you for granting me the opportunity...
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    Alicia L
    Toledo, OH
    Posted on January 13th, 2025 05:30 PM
    It was such a smooth process, The communication was excellent and per usual Heather is very proficient and she goes the extra mile for her clients! I will always refer her to anyone looking to buy a home!
    Reply from Heather Sapp
    January 13th, 2025 05:44 PM
    I'm so glad to hear that you found the home buying process smooth and efficient, Alicia! Your kind words mean a lot to me. Communication is key in our line of work, and I'm thrilled to know that my efforts made a difference. I'm always here...
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    Amanda B
    Deshler, OH
    Posted on January 3rd, 2025 05:26 PM
    Heather's communication through the entire process kept everything moving smoothly. I have worked with Heather countless time in the last 10 years. Her attention to detail and customer service is unmatched. Could not as for a better loan officer!...
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    Reply from Heather Sapp
    January 3rd, 2025 05:31 PM
    I am so glad to hear you had a positive experience, Amanda! Your words mean a lot to me. Ensuring smooth transactions and providing an unmatched customer service during the loan process is always my priority. I look forward to working with...
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    Andrew T
    Woodville, OH
    Posted on December 30th, 2024 02:10 PM
    Heather Sapp made all of the difference. I'm positive that we would not have closed on time or correctly had it not been for her. I was amazed at her understanding, knowledge, ability, and determined effort that she did not have to do but was...
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    Reply from Heather Sapp
    December 30th, 2024 09:10 PM
    Hello Andrew, Thank you for taking the time to leave such a fantastic review. It was truly a pleasure assisting you and your wife with your purchase. I'm thrilled to hear that my efforts made a difference in your closing process.I always strive...
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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.