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Heather Todd

Branch Manager

Chesapeake, VA Mortgage Lender

NMLS #119913

1228 Progressive Drive, Suite 200
Chesapeake, VA 23320
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

Recent Posts and Articles


A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.

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