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Heather Todd

Branch Manager

Virginia Beach, VA Mortgage Lender

NMLS #119913

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

About Heather

Since 1998, I’ve helped homebuyers become homeowners. As a wife and mother of four children and a fur baby, I understand a home is more than a transaction — it’s about family. With my experience and knowledge of home financing, I can navigate you through the loan process. From application to closing and beyond, you can be sure your questions will be answered, your mortgage handled with care, and I’ll always be just a phone call away. Together, we’ll make our way through your home financing journey.

Whether you’re buying your first home or your next home, I’ll provide a plan that meets your goals. I take your unique situation seriously, which is why I’ll listen to understand your priorities and personalize your mortgage. 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.

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  • 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


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Helping your home financing process go smoothly.


  • 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.

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