Kristen Smith
VP/Mortgage Loan Officer | NMLS # 306103
Old Dominion University
Being a good mortgage professional means treating your clients and their financial goals as a top priority. Kristen Smith is committed to making sure that you are getting the loan that best fits your needs, while remaining dedicated to the ... Show More
Location & Business Hours
Business Hours
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24 hours(Open now)
Wed
24 hours
Thu
24 hours
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Reviews from Web
You guys keep me up on everything and you didn't take it easy on me I had to do exactly what you wanted me to and trusted you guys and you lead me in the direction thank yall for everything
Reply from Kristen Smith
August 17th, 2026 01:03 PM
I really appreciate your review and the opportunity to work with you. Please don’t hesitate to reach out if there’s anything I can assist with moving forward.
Kristen Smith has received a review with 5 star rating from Michelle J
Reply from Owner
July 29th, 2026 02:02 AM
Thank you for sharing your positive experience. I really enjoyed working with you. I’m honored to be your trusted mortgage advisor, whether it’s a VA loan, FHA loan or conventional, I’m always here to help however I can!
Kristen was wonderful and offered expert guidance throughout this experience!
Reply from Kristen Smith
August 4th, 2026 03:00 PM
I’m thankful for the opportunity to help with your construction financing and mortgage planning. Please don’t hesitate to contact me if questions come up as the building progresses.
easy process
Reply from Kristen Smith
July 31st, 2026 12:47 PM
Your review is greatly appreciated. I’m excited to continue being your trusted lender for VA home loans, FHA loans, conventional loans and other mortgage solutions. I look forward to helping you again whenever you’re ready.
and her group were very helpful. a first time homebuyer was very stressful for me. But they made it happen.
Reply from Kristen Smith
June 26th, 2026 04:55 PM
We're thrilled to have earned your trust. Reach out to us whenever you need mortgage advice.
Kristen was accessible, knowledgeable, patient and kind. She treated me like a valued client and was aware of every detail!
Reply from Kristen Smith
May 28th, 2026 03:52 PM
We're thrilled to have earned your trust. Reach out to us whenever you need mortgage advice.
Thank you, Kristen for your quick responses to questions and great communication throughout the whole process. We appreciate all of the help from you and Towne Bank to purchase our new home!!
Reply from Kristen Smith
May 17th, 2026 05:04 PM
We're grateful for your kind words and your business. Feel free to contact us whenever you need assistance.
Thank you, Kristen for your quick responses to questions and great communication throughout the whole process. We appreciate all of the help from you and Towne Bank to purchase our new home!!
Reply from Owner
May 18th, 2026 10:43 AM
It was a pleasure assisting you with your home purchase!
The portal makes it easy to upload documents
Reply from Kristen Smith
May 17th, 2026 02:13 PM
We're delighted to have exceeded your expectations. Your satisfaction drives us to do our best.
We were grateful for our mortgage experience with Kristen. She was knowledgeable, responsive, and a pleasure to work with.
Reply from Owner
April 13th, 2026 02:35 PM
Thank you, Nicole! I am always here for your mortgage needs!
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About
Being a good mortgage professional means treating your clients and their financial goals as a top priority. Kristen Smith is committed to making sure that you are getting the loan that best fits your needs, while remaining dedicated to the objective of helping simplify the home financing process.
As a lifelong resident of Hampton Roads she realizes the importance and the benefits of working with a hometown lender and looks forward to the opportunity to work with you. She specializes in creating the best mortgage finance plan to lower costs, save money and help you purchase or refinance the home of your dreams
Specializes in Conventional, FHA and VHDA loan programs
Knowledgeable in construction financing
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Specialities
Conventional Loans
FHA Loans
VA Loans
USDA Loans
Jumbo Loans
Adjustable-Rate Mortgages (ARMs)
Fixed-Rate Mortgages
Home Equity Loans
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Education
- Old Dominion University
- Christopher Newport University
Positions
- TowneBank Mortgage - VP- Senior Loan OfficerMay 22nd, 2006 - Current
Memberships
- Portsmouth Museum Foundation Board Member
Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2006
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS # 306103
Awards
2016 40 Under 40 R...
2012-Present Chair...
Hobbies
- Spending time with My Kids, Family and Friends.
- Going Camping and hitting the Beach.
- Volunteering within the community and helping others.
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Disclaimer
TowneBank Mortgage. NMLS 512138. Equal Housing Lender.
TowneBank Mortgage is your hometown mortgage company. As a division of TowneBank, we uphold the principles and philosophies that have been established by our hometown traditions. TowneBank Mortgage is dedicated to providing the personal experience that you expect from a hometown lender with the most advanced technology available to offer affordable loans, quick processing and exceptional service.
Being a hometown lender means fast approval and a team of mortgage professionals who are committed to you. TowneBank Mortgage mortgage loan officers live in your communities and know the area.
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