Heather

  • Heather Renea Todd
  • Sr. Mortgage Banker
  • NMLS #119913
  • Licensed in VA & NC

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 (nmlsconsumeraccess.org) is an Equal Housing Lender. Located at 600 Lynnhaven Parkway Suite 203 Virginia Beach, VA 23452.

A little more about me.

You just have to be genuine and really care about people. I think that is really important because people are scared in this process.

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 comprehensive knowledge of underwriting guidelines helps her communicate with underwriters at a very high level to speed her client’s loan through underwriting.

Heather Todd was attending college and working in a bank in 1998 when her best friend encouraged her to try the mortgage industry. It sounded fun so she decided to apply for the job and was hired. Heather progressed though the organization and learned all phases of the mortgage process from originator to team leader to manager to company consultant. She joined Atlantic Bay in 2011.

Heather says, “You just have to be genuine and really care about people. I think that is really important because people are scared in this process, especially first time home buyers. I take great pride in going through the mortgage process with them. I go over the application first. Then I give them a folder with the do’s and don’ts of buying a home and a copy of Loanopoly, which basically lays out a road map of the process. I go over each block to let them now what they can expect, what the timeframe is, and what the order is.”

This is my story.

What can you afford?

Use my mortgage calculator to estimate your monthly cost.*
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*This calculator is made available to you as an informational tool. All examples are hypothetical and are for illustrative purposes only. Any amount calculated is an estimate only. The actual amount may be higher or lower depending on individual scenarios, credit scores and market conditions. Atlantic Bay Mortgage Group does not guarantee the applicability of the above terms in regards to your individual circumstances. This information is not intended to replace the advice of a tax or financial professional.
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*This calculator is made available to you as an informational tool. All examples are hypothetical and are for illustrative purposes only. Any amount calculated is an estimate only. The actual amount may be higher or lower depending on individual scenarios, credit scores and market conditions. Atlantic Bay Mortgage Group does not guarantee the applicability of the above terms in regards to your individual circumstances. This information is not intended to replace the advice of a tax or financial professional.