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
Wed
24 hours
Thu
24 hours
Fri
24 hours
View All days
Search Reviews
Search
Write a Review
Overall Ratings
Filter by Date
Range
Filter by Rating
Reviews from Web
Kristen found money we didn’t realize we could use. We wouldn’t have a house right now if it weren’t for her insight!
Thank you for making this as smooth as possible and getting it done before schedule.
Kristen was knowledgeable, timely and very flexible with options to meet our needs. We have a better financial plan moving forward.However we were very disappointed with the property appraisal as it was opinioned and did not consider recent...
read more
Kristen and her team are awesome!
Reply from Owner
January 9th, 2026 10:40 AM
Thanks so much Janet!
Kristen and Angie made my application for a mortgage less stressful than previous experiences. They both held my hand through the entire process. Kristen went above and beyond to find me the best mortgage to save me money! I can’t thank Kristen...
read more
Amazing customer service. Always made sure I was updated and on top of things.
Effective, clear, efficient, streamlined communication and process. Kristen and all parties involved were very professional and friendly and made this process very easy! I love Towne bank! They treat their customers like family and I love the...
read more
Reply from Owner
January 9th, 2026 10:38 AM
Thank you, Dana! Congratulations!
Effective, clear, efficient, streamlined communication and process. Kristen and all parties involved were very professional and friendly and made this process very easy! I love Towne bank! They treat their customers like family and I love the...
read more
Personalized service from start to finish.
Fantastic communication, friendly, upbeat, can do attitude, and available.
91–100 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.