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
Thu
24 hours
Fri
24 hours
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Kristen Smith has received a review with 5 star rating from D M
Reply from Owner
January 9th, 2026 10:53 AM
Thank you for the 5 star review!
Simply you
Reply from Kristen Smith
September 17th, 2024 12:16 PM
Your review is greatly appreciated. We're excited to continue being your trusted lender.
The concise, fluid process was efficient and straightforward!
Reply from Kristen Smith
August 20th, 2024 02:24 PM
Your positive feedback brightened our day! We're here whenever you need assistance in the future.
Prompt, courteous service. The mortgage team explained each step throughly and ensured we were up to date on all documents required. Cannot say enough good things about Kristin, Angie and whole team. Thank you all for making this a easy experience....
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Reply from Owner
August 1st, 2024 12:00 AM
Thank you, Judy! Congratulations!
All of the steps were explained clearly and the progress was easy to track. Listen was very helpful and understanding throughout the entire experience. She helped lessen the stress on my Wife and I during our first home buying adventure!
Reply from Kristen Smith
July 31st, 2024 01:23 PM
We're thrilled to have earned your trust. Reach out to us whenever you need mortgage advice.
Speed of communication was great!
Reply from Kristen Smith
July 4th, 2024 02:15 PM
We're delighted that you're happy with our service! Don't hesitate to reach out if you have any more questions.
Kristen was efficient, pleasant and always prepared. Others were involved and informative. I gained confidence in Towne Mortgage.
Reply from Kristen Smith
July 1st, 2024 11:36 PM
Your kind words made our day! We're always here to provide guidance on mortgage-related matters.
It was great working with you. You made our mortgage easy.
Reply from Kristen Smith
June 20th, 2024 02:17 PM
We're thrilled that you're satisfied with our service. Don't hesitate to contact us for any mortgage assistance.
Excellent working with Town.
Reply from Kristen Smith
May 23rd, 2024 12:28 PM
We're delighted that you're happy with our service! Don't hesitate to reach out if you have any more questions.
Kristen was professional and easily accessible when needed.
Reply from Kristen Smith
April 24th, 2024 11:30 AM
We're thrilled that you had a positive experience with us!
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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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