Heather Scruggs, Mortgage Lender - Sturgis Bank, NMLS #2013219

03/09/2026

Self-employed? Own a small business? Side hustle?

Don’t assume you can’t buy a home. I’ve worked with many small business owners, and with the right preparation, it absolutely can happen.

If you’re self-employed and wondering if homeownership is realistic, let’s look at your situation together. There’s usually more flexibility than you think.

03/04/2026

It starts with numbers.
First — focus on the payment, not the price.
Your mortgage should fit your life, not stretch it.
Next — give your savings a goal.
A clear monthly plan beats “saving what’s left.”
Protect your credit.
Pay on time. Keep balances low. Avoid new accounts unless necessary.
And please — talk to a local lender early.
Not after you fall in love with a house. Before.
Then get pre-qualified so you’re shopping with confidence, not guesswork.
If buying is even on your radar this year, let’s talk.
Clarity first. Always. 🤍

02/20/2026

One of my favorite parts of my job?
Helping people buy homes right here in our small towns.

Local lending matters. It means real conversations, local decision-making, and working with someone who understands this market—not just numbers on a screen.

If you’re dreaming about a move here in Southwest Michigan, I’d love to help.

02/12/2026

One of the biggest myths I hear?
👉 “I need 20% down to buy a home.”
Good news: that’s not always true. There are loan options that allow much less down, and some buyers are surprised by what they actually qualify for.
If buying a home feels far off right now, let’s talk it through. A quick pre-qualification can give you clarity and a realistic starting point.

01/26/2026

If 2026 is the year you want to move closer to family, put down roots, or finally have a place that feels like yours—I’d be honored to help.

Whether you’re ready now or just starting to think about it, the first step is always a conversation. Give me a call and let’s talk about what’s possible.

01/20/2026

I have conversations all the time that start with:
“This might be a dumb question, but…”
Let me stop you right there—there are no dumb questions when it comes to buying a home.
If something is on your mind, ask. That’s literally what I’m here for.

01/15/2026

House hunting tip: talk to a mortgage lender before you fall in love with a home.

Why? Because clarity beats heartbreak every time.

You’ll get:
▶️ A realistic budget (not just a Zillow guess)
▶️ Pre-qualification that strengthens your offer
▶️ Clear insight into loan options, rates, down payment programs, and monthly payments
▶️ Early awareness of any credit or income issues—before the pressure’s on

Start the conversation with your local Sturgis Bank mortgage expert: sturgis.bank/find-a-lender

01/09/2026

One of the smartest first steps in home buying is getting pre-qualified.

It helps you:
✔ Understand a comfortable price range
✔ Avoid falling in love with a home that doesn’t fit
✔ Show sellers you’re a serious buyer

And no—there’s no pressure attached. Just clarity.

If you’re curious what that would look like for your situation, give me a call. I’m here to help!

01/06/2026

01/06/2026

Big online lenders don’t always understand small-town Michigan.
I live here.
I work here.
I know how things really work in our local markets—from village homes to country properties.

When you work with a hometown bank, you’re not just a number—you’re a neighbor. ❤️

If you want local guidance from someone who gets it, I’m just a call away.

01/05/2026

Buying a home can feel overwhelming—especially if you’ve never done it before.
Here’s the good news: you don’t have to know everything to get started.
My job is to walk you through the process step by step, answer the questions you don’t even know you have yet, and help you feel confident—not rushed.

If homeownership is on your mind for 2026, let’s start with a simple conversation. 💬

👉 Contact me anytime.

12/29/2025

There’s something special about working with a community bank.
I get to know you. I learn your story. I celebrate when you get the keys.
You’re not a number here. You’re a neighbor.
And I take that to heart every single day. 💙
If you’re buying or building anywhere in Southwest Michigan, I’d love to help you feel supported from start to finish.