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
Quick responses in communication when a question or document was needed or explained. Great team player with all those
involved in helping me purchase my new home.
Reply from Kristen Smith
January 13th, 2026 02:26 PM
Thank you for choosing us for your mortgage needs. Your positive review encourages us to keep delivering excellence.
..........
Reply from Kristen Smith
January 6th, 2026 01:38 PM
We're delighted to have met your expectations. We look forward to serving you again in the future.
Kristen Smith has received a review with 5 star rating from John S
Reply from Owner
January 9th, 2026 11:28 AM
Thank you for choosing me as your local mortgage lender!
Kristen went above & beyond to help us. We could email,call or text her anytime & she would immediately respond. Very professional but very personable. We will be recommending her to anyone & everyone
Reply from Kristen Smith
December 4th, 2025 06:07 PM
Your review encourages us to keep delivering outstanding service. We're just a phone call away if you ever need assistance.
Kristen at TowneBank was AMAZING!!!! Best loan officer ever!!!!
Reply from Owner
January 9th, 2026 11:28 AM
Thank you, Cynthia! It was a pleasure getting you to the closing table!
This is my 4th home I have purchased and it was the easiest process EVER!!!
Reply from Kristen Smith
November 29th, 2025 03:16 AM
We're grateful for your positive review and hope to work together again in the future.
Kristen Smith has received a review with 5 star rating from Lucia P T
Reply from Owner
January 9th, 2026 11:27 AM
Thanks for choosing me as your local mortgage lender!
Very personal and avaliable when needed
Reply from Kristen Smith
November 8th, 2025 02:26 PM
Your kind words made our day! We're always here to provide guidance on mortgage-related matters.
We had a wonderful experience working with Kristen Smith and TowneBank Mortgage. She is very knowledgeable and answered all of our questions and concerns quickly. The entire process was much easier than we expected and we highly recommend her....
read more
Reply from Owner
January 9th, 2026 11:27 AM
Thank you, Jean! It was a pleasure getting you to the closing table! We are always here for you!
Extremely knowledgeable. Knew exactly what we wanted and made it happen. Answered all of our questions quickly and made us feel confident with her assistance.
Reply from Kristen Smith
November 4th, 2025 07:10 PM
We're grateful for your positive review and hope to work together again in the future.
21–30 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.