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
Thu
24 hours
Fri
24 hours(Open now)
Sat
24 hours
View All days
Search Reviews
Search
Write a Review
Overall Ratings
Filter by Date
Range
Filter by Rating
Reviews from Web
It was a wonderful experience!!!!
Reply from Owner
September 17th, 2026 01:41 AM
Your review pushes me to keep delivering outstanding service. I’m just a call away if you ever have any questions about rates, or need help refinancing, or with loan programs.
Very knowledgeable and understanding
Reply from Kristen Smith
September 16th, 2026 03:29 PM
I am grateful for your positive feedback. It means a lot to know you had a great experience. Helping clients navigate the mortgage process and find the right fit whether it’s a VA loan, FHA loan or conventional mortgage is what I’m passionate...
read more
My husband and I were in need of a home equity loan with a lower interest rate to consolidate and pay off debt. We had a great experience with Towne Bank for our car loan and decided to take a chance on them for this loan. Kristen and her teammates...
read more
Reply from Owner
September 11th, 2026 01:41 AM
Feedback like this motivates me to keep delivering top-tier service. I’m always here for your future mortgage lending needs. I work with VA loans, FHA loans, and conventional loans, so feel free to reach out for future support!
The transparency, communication and ease were amazing. Everyone we dealt with was top notch. Thank you for making this such and easy process for us.
Reply from Kristen Smith
September 10th, 2026 05:42 PM
I’m grateful for your positive words. I’m glad I could be a resource for you throughout the loan process. I’m here anytime to provide guidance on home loans, refinancing, or navigating interest rates.
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.
10 of 350
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
View All
Search Rank ScoreLearn More →
What is the Search Rank Score®?
Experience.com’s Search Rank Score measures a professional’s online search visibility across hundreds of key SEO attributes.
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.
View All
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.
This message is intended only for specified recipients. If you are not the intended recipient you are notified that disclosing, copying, distributing, or taking any action in reliance on the contents of this information is strictly prohibited. This communication represents the originator's personal views, which may not reflect those of TowneBank. The sender believes that this e-mail, including attachments, does not contain a virus, worm, trojan horse, or other malicious code when sent. This message and its attachments could have been infected during transmission. By reading the message and any attachments, the recipient accepts full responsibility for taking protective and remedial action about viruses and other defects. If you received this email in error, please immediately notify the sender.