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Your Local CrossCountry Mortgage Loan Officer

Heather Hayes

  • Loan Consultant/Advisor
  • Newport Beach, CA Mortgage Loan Officer
  • NMLS #1541645

Your biggest decision is my biggest passion

Hi, I’m Heather, and no matter if this is your first mortgage or ninth, you are my priority. I have a servant’s heart and strive to assist my clients with compassion and integrity. My passion for helping others means I’ll go above and beyond to help you achieve your goals. That starts with taking the time to walk you through each step of the process and answering your questions.

As a loan officer at our Newport Beach, CA branch of America’s #1 Retail Mortgage Lender, I offer a variety of loan programs to fit your goals. From conventional and jumbo to FHA and VA, we’ll discuss specifics and personalize the mortgage experience to fit your needs. Together, we’ll make a mortgage plan to achieve your current homeownership goals and meet your financial needs for years to come.

When I think about what defines me, three things come to mind: I’m a wife, mother of two, and bonus mom of four! Family comes first to me, and I understand how important family is to my clients, too. I can’t wait to help you secure the perfect home for you and yours.

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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. 

Calculate how much you can save if you refinance your mortgage 

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.

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Man relaxing on couch in living space reads about Bye-Bye PMI product on cell phone.
First responders take action to emergency call.

Buying Now Means Saving Later

Don’t fixate on rate

Get the home you want now. If rates fall in the future, you can refinance to the lower rate after 6 full payments. And, with a lender credit of up to $1,500*, you’ll save upfront and thousands down the line. 

For full terms and conditions, visit ccm.com/buynowrefilater

Save on Your Mortgage Every Month

Say Bye-Bye PMI 

Typically, when your down payment is less than 20%, you have to pay monthly private mortgage insurance (PMI). 

CCM Bye-Bye PMI offers qualified borrowers a conventional loan for as little as 15% down without PMI. That’s monthly mortgage savings and a smaller down payment, giving you more purchasing power.

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. 

Inspiration for your home loan journey

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Young People Are Struggling to Buy Homes — But Some States Tell a Different Story

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First-time homebuyers calculating how much down payment is needed on a house.

Down Payment: How Much Do You Need for a House?

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Exterior of a ranch style home whose mortgage is going through a refinance.

When to Refinance a Mortgage

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Frequently asked questions

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