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
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24 hours
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Reviews from Web
Kristen and her team made my homeowner' process smooth for me,they kept me info every still of the way from beginning to end.they answer all my questions thru email and in person I would highly recommend them.
Kristen and her team was fantastic with our loan documents and communication. Everything was well organized and easy. Having documents online made it even more easy to do!
Kristen made us feel very comfortable with this major transaction in our life and with our move to the suffolk area. She answered any questions we had very clearly and was always pleasant, personable and very knowledgeable. Her and her team,...
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Kristen was very responsive with emails and phone calls from me. It was a very good experience doing business with Kristen and TowneBank Mortgage.
Thanks
Thanks for making my life easy in this! You and your team are amazing!
The whole process was simple and easy. Thanks
The Townebank mortgage team took a personal approach to preparing the most suited mortgage for my investment property. I appreciate the knowledgeable staff and streamlined process.
Several errors in communication, which was mostly emails vs. phone calls, involving items needed & most importantly estimated closing costs & cash to close along with actual locked in rate.
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
August 1st, 2022 12:00 AM
Thank you, Bill!
Kristen was very patient with me during the whole process. At times when I felt discouraged she gave me reassurance that we could work through any issues. Kristen as well as her team went above and beyond to make sure that my mission of home...
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Reply from Owner
August 1st, 2023 12:00 AM
It was a pleasure to work with you Katrina! Congratulations!
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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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