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
Details taken care of in timely manner
Reply from Kristen Smith
July 7th, 2025 01:19 PM
You are too sweet! I can't thank you enough for your generosity and coming out to visit me. =)
I was fu informed each step of the way.
Reply from Kristen Smith
July 7th, 2025 01:21 PM
THANK YOU for your patience, understanding and kindness during the process. As always, I am here if you need anything and happy to help!
it was easy, simple and you clearly know your stuff...both the closing attorney and my realtor who deal with mortgages and loan officers all the time said that dealing wiht you was an excellent experience
Reply from Kristen Smith
June 13th, 2025 01:17 PM
Thank you for your kind review. We're committed to being your lifelong reliable source for mortgage solutions.
Your knowledge and professionalism
Reply from Kristen Smith
May 7th, 2025 01:03 PM
Your review means the world to us. We're here to support you every step of the way.
Kristen was very professional and easy to work with. She provided excellent advice as well recommendations for our needs. I would highly recommend her to friends and family.
Reply from Kristen Smith
December 24th, 2024 02:29 PM
Your review brightened our day. We're honored to be your go-to mortgage advisors.
Kristen Smith has received a review with 5 star rating from Keith B
Reply from Owner
January 9th, 2026 10:53 AM
Thank you for choosing me as your local mortgage lender!
Great job thanks
Reply from Kristen Smith
October 24th, 2024 01:03 PM
We're honored by your positive review. Feel free to reach out to us anytime you need assistance.
Kristen was always available with answers to all of our questions. She is cheerful and very knowledgable! She was an absolute pleasure to work with!!
Reply from Kristen Smith
October 3rd, 2024 10:57 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 Jan N
Reply from Owner
January 9th, 2026 10:53 AM
Thank you for choosing me as your local mortgage lender!
Kristen you went above and beyond to help me understand what to expect and you answered numerous emails and texts. You were aware that I had previously contacted another banking institution and that I was being pressured by the builder to use...
read more
Reply from Kristen Smith
September 19th, 2024 02:47 AM
Your review brightened our day. We're honored to be your go-to mortgage advisors.
41–50 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.