
About Heather
Heather is a seasoned mortgage officer with over 20 years of experience in the financial services industry. She began her mortgage career in 2004 in Saginaw, MI, and is deeply committed to serving her community. Heather has helped countless individuals and families navigate the complex process of securing home loans and realizing their dreams of homeownership.
Throughout her career, Heather has valued the trust her clients place in her and has worked diligently to make a positive impact in their lives. She takes pride in the meaningful connections and lasting friendships she has built with clients. Her dedication to providing personalized, attentive service reflects the deep value she places on these relationships and the privilege of working in this rewarding field.
When she is not assisting clients, Heather enjoys staying active with outdoor hobbies and spending quality time with family and friends.
Fun Facts
- Favorite team is the Detroit Lions.
- Love to Camp and travel.
- Love 80's Hair Bands.


Customer Reviews
Highly Recommend
Heather Gugel is outstanding. This is the second mortgage that I have received from her. I will recommend her to friends and family. She knows this business and it shows as she leaves you with the impression that you are her priority number one. Communicates every step of the way and returns texts and calls quickly. Her rates were better than one of the largest on- line mortgage companies and even my own credit union! You won't go wrong by calling Heather Gugel at Mercantile. Stephen S
10/10 Recommend
Heather did a fantastic job for us. Being first time home buyers, she was able to help us through the entirety of the process and walk us through the entire home buying process. I would 10/10 recommend Heather to anyone looking to purchase a home. Kaylee G
Patient and Professional
We had exceptional service from Heather. We had tons of questions moving from another state! Heather went out of her way to answer all of our questions with patience and professionalism! We couldn't be more pleased! Ruth A