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
Thu
24 hours
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24 hours
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Reviews from Web
Quick replies, informative, helpful, knowledgeable & easy to talk with about my needs. Goes the extra mile.
Reply from Kristen Smith
November 3rd, 2025 01:02 PM
Your review is a testament to our commitment to excellence. Reach out to us if you have any questions in the future.
Your assustance has made this the best home buying experience I have had (Out of five previous experiences).
We will gladly refer anyone to you personally and to TowneBank as our banking and financing source.
Reply from Kristen Smith
October 24th, 2025 04:44 PM
Your feedback fuels our dedication to excellence. We're here to help with all your future mortgage needs.
Thanks for your professionalism.
Reply from Kristen Smith
October 22nd, 2025 12:37 PM
Your review means the world to us. We're here to support you every step of the way.
Excellence
Reply from Kristen Smith
October 17th, 2025 06:44 PM
We're thrilled that you're satisfied with our service. Don't hesitate to contact us for any mortgage assistance.
Easy and great communication.
Reply from Kristen Smith
October 15th, 2025 05:48 PM
Your positive feedback brightened our day! We're here whenever you need assistance in the future.
and her team always do a wonderful job getting us to the end. Smooth process would recommend.
Reply from Kristen Smith
September 26th, 2025 12:29 PM
We're thrilled to have left a positive impression on you. We're ready to assist you again at any time in the future.
I felt supported through out the entire process. Whenever I had questions I was able to get a quick response. At the end when I had a issue with my closing and final numbers Colby stepped in and went to bat for me. This was my second time working...
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Reply from Kristen Smith
August 6th, 2025 02:34 PM
We're grateful for your positive words. We're here to provide support for all your mortgage needs.
Kristen Smith has received a review with 5 star rating from Dara C
Reply from Owner
January 9th, 2026 11:24 AM
Thank you so much, Dara!
Thank you so much for all you did to help us purchase our forever home! We are blessed to have you in our corner of today's crazy world. You mad this big purchase a breeze. Thank you again for all your hard work, dedication, professionalism,...
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Reply from Kristen Smith
July 29th, 2025 01:53 PM
We're delighted that you had a positive experience with us. Count on us for all your future mortgage endeavors.
You always had time for me, and I had a lot of questions. You and Alice kept me informed and walked me through the process.
Reply from Kristen Smith
July 7th, 2025 01:37 PM
Thank you for your kind words! Alice and I are always happy to help and eager to answer any questions you may have along the way. We both know it can be overwhelming at times during the loan process and want you to feel at ease.
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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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