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
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Business Hours
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24 hours(Open now)
Wed
24 hours
Thu
24 hours
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Reviews from Web
The directions and Advice offered related to the terms of my loans.
There was lots of communication from Kristen and her team. They made the process easy for me. This powerhouse group of women made my closing happen quickly and I greatly appreciate it!
Communication with us.
Communication was amazing, Kristen was there to answer any question I had. She was in constant contact with me and made me feel like our my loan was a priority to her.
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
January 9th, 2026 10:34 AM
Thanks, Ernest! Happy to help.
Kristen and her team was very helpful and professional throughout the entire process. There was a ton of paperwork for the VA loan, but they made the process a little easier. The website made it easy to quickly transfer documents back-and-forth,...
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Too many mistakes, last minute issues, and just overall lack of attention to detail. Client should not be intricately involved in the process. This should have been relatively seamless for me, but between the con loan and the re-fi, I had to...
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Kristen reviewed all our options with us and always kept us informed which helped us a great deal!
everything
Her level of expertise seemed high for such a young lady
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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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