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- monday: 8:00AM – 5:00PM
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- wednesday: 8:00AM – 5:00PM
- thursday: 8:00AM – 5:00PM
- friday: 8:00AM – 5:00PM
Your Local CrossCountry Mortgage Loan Officer
Todd Heath
I’ll be with you every step of the way
Hello! My name is Todd. I joined the mortgage industry in 1997 to help people make informed, confident financial decisions that shape their futures. What began as a career became a calling: guiding families through one of life’s biggest milestones with clarity, education and care. Over the years, I’ve built a practice centered on relationships, earning the trust of local buyers, agents and builders across Utah.
As SVP of Mortgage Lending at America’s #1 Retail Mortgage Lender, I lead the Young Heath Team in Lehi, UT, a group focused on construction and purchase financing with a reputation for service, strategy and results. I blend deep construction loan expertise with education, communication and personal guidance.
Nearly three decades later, my purpose remains the same: to simplify the process, strengthen communities and help families feel at home from start to finish. It’s not just about loans — it’s about building lasting connections that stand long after the keys are handed over.
Todd’s testimonials
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How much will my mortgage payment be?
This calculator is being provided for educational purposes only. The results are estimates based on information you provided and may not reflect CrossCountry Mortgage, LLC product terms. The information cannot be used by CrossCountry Mortgage, LLC to determine a customer’s eligibility for a specific product or service.
Inspiration for your home loan journey
Frequently asked questions
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Refinancing costs typically range from 2% to 6% of the loan amount and include fees such as appraisal, title insurance, and closing costs. Factors like your loan type, location, and credit score can significantly impact these expenses. Our team can help to provide strategies that can help minimize costs.
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To determine how much home you can afford, you’ll want to assess your financial situation. This includes your income, expenses, and debt-to-income ratio, to ensure your mortgage fits comfortably within your budget. A general guideline is to spend no more than 28% of your gross monthly income on housing costs and 36% on total debt.
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A good credit score typically starts at 620 for conventional loans, while FHA and VA loans may accept scores as low as 500, though higher scores offer better terms. A strong credit score can help you secure lower interest rates, saving you significant money over the life of a home loan.
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A Home Equity Line of Credit (HELOC) is a revolving line of credit that allows homeowners to borrow against the equity in their home. HELOCs function like a credit card, giving access to funds up to a set limit, which can be used for expenses like renovations or debt consolidation. You only pay interest on the amount you borrow, and the repayment terms typically include a draw period followed by a repayment period.
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To calculate your mortgage payments, start with your loan amount, interest rate, and loan term. Your payment will depend on the interest charged over time and the repayment schedule. You can use a monthly mortgage payment calculator or connect with us to learn more.