Headshot of Heather Todd

Heather Todd

Branch Manager

Virginia Beach, VA Mortgage Lender

NMLS #119913

Adress
582 Lynnhaven Parkway, Suite 400
Virginia Beach, VA 23452
Contact Methods
Email
tel Phone
757-407-9110
mobile Mobile
(757) 407-9110

About Heather

Hi, I'm Heather, and since 1998, I've been helping homebuyers become homeowners. Based in our Virginia Beach, VA branch, I understand that a home is more than just a transaction—it's about family. As a wife and mother of four children and a fur baby, I know the importance of creating a space for cherished memories. With my extensive experience and knowledge of home financing, I will navigate you through the loan process with care and attention.

As part of America’s #1 Retail Mortgage Lender, I’ll guide you whether you’re buying your first home or your next. I take your unique situation seriously, listening to understand your priorities and personalizing your mortgage. Together, we can discuss products like conventional, FHA, USDA, and VA loans to determine what home loan is right for you. I’m honored to have the opportunity to work with you and look forward to getting you home with confidence.

Specialties

  • Purchase and Refinance
  • Purchase
  • Refinance Loans
Emergency vehicles at scene, including two police cars and an ambulance

CCM Line of Duty
Death Benefit

 

Our exclusive Line of Duty Death Benefit is designed to provide financial protection to the families of first responders. This complimentary, one-time benefit cancels the balance of your mortgage, up to $525,000, should you fall in the line of duty. It’s our way of saying thank you.

Learn more

Awards

Recent Posts and Articles

Blog

Helping your home financing process go smoothly.

Resources

  • The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

Quick Contact Form

Send me a message below or give me a call at 757-407-9110