Gametes in humans are haploid. This means that they have half the number of chromosomes as normal body cells. Sometimes, the gamete of a male and the gamete of a female combine to form a zygote that will eventually turn into a fetus. . . Phenotypic changes in a fetus may result . . A. if a mutation occurs in the mother's brain cells. Bubble . B.if a mutation occurs in the father's heart cells. Bubble . C. only if a mutation occurs in both the mother's and father's cells. . Bubble . D.if a mutation occurs in the gametes.