Heather Gugel
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.
Michelle Crisenbery
After 12 years as a full-time real estate agent servicing the St. Clair County area Michelle migrated into mortgage lending in 2001. Michelle’s passion is helping her customers maneuver through the lending process to find the right lending product tailored to fit their specific needs. As a past realtor Michelle also brings her customers the knowledge and benefit of local market areas and activity.
Fun Facts:
Michelle is a St. Clair Chamber of Commerce Board Member.
Michelle enjoys the great outdoors with her husband Brian traveling the state including bow hunting and fishing.
Michelle enjoys spending time with her family and entertaining.
Kellee Vettraino
I’ve been in the banking world since 2008 and jumped into the mortgage industry in 2019 and I’ve been hooked ever since. Helping people buy their first home or finally land the dream home they’ve been imagining is what fuels me. I love bringing energy, clarity, and excitement to a process that can feel overwhelming, and I’m all about making it smooth, simple, and even fun. I’m married and have two awesome kids. We enjoy being outside, camping or soaking up every minute we can at the beach. Those moments remind me why home matters so much and why I’m passionate about helping others find theirs. Whether you’re stepping into homeownership for the first time or leveling up into your forever home, I’m here to guide you with enthusiasm, expertise, and a commitment to getting you across the finish line with confidence.
Mortgage Programs
There are so many mortgage options - let us help you find a mortgage program best suited for you.
Solutions For Refinancing
No matter what your refinancing reason is, we can help you decide which option is best for your situation.
Solutions For Construction
It takes more than wood, nails and a vision - building a home takes a lender that will help you from the ground up. Our Loan Officers will help you find the best construction financing options for your future home.
Solutions For Home Equity
We can show you how you can leverage your home's equity to finance a large purchase.
Find a Loan Officer
We've carefully assembled a staff of experienced and talented mortgage professionals who make it their mission to understand your unique situation and provide you with the service you desire.