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
Clear guidance and advice
Kristen and the team at Townebank made the process flow very smooth. There was a ton of paperwork for my VA loan, but throughout the entire process everyone communicated well and was very helpful. The website was helpful to transfer documents...
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Reply from Owner
August 1st, 2022 12:00 AM
Thanks, Ernest! Happy to help.
Convenience and communication
Immediate, cordial, constant communication by Kristen and her entire team.
Straightforward communication. Above and beyond with explanation and guidance through the process. Thank you.
Excellent knowledge, communication and follow through.
Dealing with Kristen, Anige ,and the whole team made the process easy. The all helped us work through everything.
Kristen helped make the home buying process as easy as possible from application to closing.
Kristen went above and beyond to get us our dream house. We are so very grateful for all of her dedication and hard work.
We recently closed on our new home and Kristen was our loan officer. She was spectacular. It was a long and cumbersome process but she helped guide us through every step with wonderful insight and intelligence! Just when we thought underwriting...
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Reply from Owner
January 9th, 2026 10:34 AM
Thank you, Bill!
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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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