Licensed in VA & NC

Heather Renea Todd

Sr. Mortgage Banker | NMLS #119913

582 Lynnhaven Parkway, Suite 400
Virginia Beach, VA 23454
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Loan programs may change at any time with or without notice. Information deemed reliable but not guaranteed. All loans subject to income verification, credit approval and property appraisal. Not a commitment to lend. Atlantic Bay Mortgage Group, L.L.C. NMLS #72043 ( is an Equal Housing Lender. Located at 600 Lynnhaven Parkway Suite 203 Virginia Beach, VA 23452.

“I explain the paperwork in such a way that if I am not at their closing for any reason, my clients won’t see or hear anything from that attorney that they haven’t seen before. There is nothing in their paperwork that hasn’t been explained already.”

During her 17-year career in the mortgage industry, Heather Todd has helped over 4,000 families achieve their dreams of owning a home. Her…

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Heather Todd was amazing to work with. She was always available and made my purchase a smooth & enjoyable process. I will use Heather for any of my mortgage needs in the future.

-Davione H.


Licensed Loan Officer
Purchase and Refinance

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This calculator is made available to you as a self-help tool. All examples are hypothetical and for illustrative purposes only. Any calculations assumes the theoretical borrower will have excellent credit and are based on information you have provided. Any amount calculated is an estimate only. The actual amount may be higher or lower depending on location, loan type, and many other determining factors. This information was prepared by an independent third party, and accuracy is not guaranteed. We encourage you to seek personalized advice from qualified professionals regarding all financial issues and needs.


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Our Mission: Atlantic Bay Cares is the community outreach arm of Atlantic Bay Mortgage Group with the primary goal of changing lives in communities through doing good and giving back to causes meaningful to our employees.

Celebrating More than 20 Years of

Lending Peace of Mind

Heather Renea Todd

Sr. Mortgage Banker | NMLS #119913
Licensed in VA & NC