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Your Local CrossCountry Mortgage Loan Officer

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.

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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. 

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/

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. 

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. 

Inspiration for your home loan journey

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Frequently asked questions

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