Skip to content
Foto de Heather Todd
  • 582 Lynnhaven Parkway, Suite 400 Virginia Beach, VA 23452 Móvil (757) 407-9110 Tel (757) 407-9110 Heather.Todd@ccm.com

Your Local CrossCountry Mortgage Loan Officer

Heather Todd

  • Originating Branch Manager
  • Virginia Beach, VA Mortgage Loan Officer
  • NMLS #119913
Apply Now Free Rate Quote

I’ll be with you every step of the way

Hola, soy Heather, y desde 1998, he ayudado a los compradores de vivienda a convertirse en propietarios. Con sede en nuestra sucursal de Virginia Beach, VA, entiendo que una casa es más que solo una transacción: se trata de la familia. Como esposa y madre de cuatro hijos y bebé peludo, conozco la importancia de crear un espacio para recuerdos preciados. Con mi amplia experiencia y conocimiento sobre el financiamiento de viviendas, lo guiaré a través del proceso de préstamo con cuidado y atención.

Como parte del prestamista hipotecario minorista n.o 1 de los Estados Unidos, le guiaré si está comprando su primera vivienda o su próxima. Me tomo en serio su situación particular, escuchando para comprender sus prioridades y personalizando su hipoteca. Juntos, podemos analizar productos como préstamos convencionales, FHA, USDA y VA para determinar qué préstamo hipotecario es adecuado para usted. Me siento honrado de tener la oportunidad de trabajar con usted y espero poder llevarlo a casa con confianza.

Woman researching loan officers to find the right financing parter

Your Mortgage Expert

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with CrossCountry Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your mortgage lender of choice for years to come. 

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.

A family takes their first family photo on the porch of their new home thanks to CCM Smart Start.
A young couple celebrate becoming homeowners thanks to different mortgage options for first-time homebuyers.
Military member coming home to his daughter in his VA-funded home.

First-Time Homebuyers – Get up to $5,250!

There’s no greater feeling than moving into your first home. Getting the keys, opening the front door, making the home your own – all things we want you to experience! 

CCM Smart Start will contribute up to $5,250 toward those good feelings. With CCM Smart Start, we’ll cover 2% of the purchase price (up to $5,250) for the down payment so your homeownership dream can come to life. 

For terms and conditions, visit crosscountrymortgage.com/mortgage/loans/down-payment-assistance/ccm-smart-start/

Get Started

Ready to Buy Your First Home?

Our wide range of mortgage options can help first-time homebuyers achieve homeownership with reduced down payments, closing cost assistance, or temporary rate relief. 

Financing options: 

  • Home loans with as little as 3% down 
  • Temporary buydowns to lower your mortgage rate at the start of your loan 
  • Down payment assistance from national and state programs 
  • Personalized home financing solutions 

Bonus: If your household’s qualifying income meets the standards for your county’s area median income, you may be eligible for a lower mortgage rate!  

Take the first step toward homeownership. Let’s discuss your options today. 

Contact me

Come Home With a VA Loan

Did you know VA mortgage loans are not only for Veterans? Qualified Active-Duty Military, National Guard, Reservists, and Surviving Spouses can take advantage of this important benefit. VA loans offer 100% financing without mortgage insurance, and the VA benefit is re-usable. 

Purchase or refinance, contact me to learn more. 

Start here

Inspiration for your home loan journey

View All

Frequently asked questions

  • Los costos de refinanciamiento generalmente oscilan entre el 2 % y el 6 % del monto del préstamo e incluyen cargos como tasación, seguro de título y costos de cierre. Factores como el tipo de préstamo, la ubicación y el puntaje de crédito pueden  afectar significativamente  estos gastos. Nuestro equipo puede ayudar a proporcionar estrategias  que  pueden ayudar a minimizar los costos.

    Más información

Get Pre-Approved

I’d love to hear from you.

    This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

    By proceeding, I am consenting to receive phone calls, SMS (text messages) and emails from CrossCountry Mortgage, LLC. I expressly consent to be contacted by CrossCountry Mortgage or its agents on a recurring basis at the phone number and/or email address I provided regarding products or services via live, automated or prerecorded phone calls, SMS (text messages) or email. I understand that my telephone company may impose charges on me for these contacts, and that I am not required to sign this agreement as a condition of purchase of property, goods, or services. I understand that I may cancel this consent at any time. Reply STOP to cancel, HELP for help. Msg & data rates may apply. Msg freq. varies. Terms and Conditions/Privacy Policy apply.