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
Friday
24h
Saturday
24h
Sunday
24h
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Reviews from Web
Kristen was accessible, knowledgeable, patient and kind. She treated me like a valued client and was aware of every detail!
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!
Kristen was helpful, responsive, and a pleasure to work with .
Reply from Kristen Smith
April 13th, 2026 12:14 AM
Your review means a lot to us. We're committed to guiding you through all your mortgage decisions.
Towne Bank and Kristin and her team walked me through every step. They handled everything immediately and communicationed every step of the way.
Reply from Kristen Smith
April 3rd, 2026 12:15 PM
We're thrilled that you had a positive experience with us!
Kristen was both knowledgeable and responsive. We highly recommend her to anyone looking to build a home.
Reply from Kristen Smith
April 2nd, 2026 10:27 PM
Your review means the world to us. We're here to support you every step of the way.
Kristen was so knowledgeable and had an awesome can-do attitude. Any problem that arose, she quickly worked on fixing.
Reply from Kristen Smith
March 28th, 2026 11:58 PM
We're thrilled that you had a positive experience with us!
GREAT WORKING WITH HER
Reply from Kristen Smith
February 25th, 2026 10:54 AM
We're grateful for your positive feedback. Your satisfaction is what drives us to excel.
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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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Search Rank ScoreLearn More →
494
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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
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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