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582 Lynnhaven Parkway, Suite 400 Virginia Beach, VA 23452 Mobile (757) 407-9110 Tel (757) 407-9110 [email protected]
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- monday: 9:00AM – 5:00PM
- tuesday: 9:00AM – 5:00PM
- wednesday: 9:00AM – 5:00PM
- thursday: 9:00AM – 5:00PM
- friday: 9:00AM – 5:00PM
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- Conventional Loan
- First-Time Homebuyers
- Purchase
- Refinance
- VA Loan
Heather Todd
- Originating Branch Manager
- Virginia Beach, VA Mortgage Loan Officer
- NMLS #119913
I’ll be with you every step of the way
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.
Heather’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.