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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24 hours
Thu
24 hours
Fri
24 hours
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Reviews from Web
Kristen,
Thank you so much for working with me on this loan.
V/R
Dennis
Reply from Kristen Smith
March 26th, 2024 09:27 PM
Your review encourages us to keep delivering outstanding service. We're just a phone call away if you ever need assistance.
Kristen Smith was wonderful to work with. She helped with all our questions and concerns. I highly recommend working with her during the mortgage experience. Thank you for everything Kristen!
Reply from Kristen Smith
January 24th, 2024 04:22 PM
Your kind words made our day! We're always here to provide guidance on mortgage-related matters.
Kristen Smith has received a review with 5 star rating from Mary F
Reply from Owner
January 9th, 2026 10:40 AM
I am thrilled that you had a positive experience! Congratulations!
Very easy to work with. Anytime we had a question they got right back to us with an answer.
Reply from Kristen Smith
December 12th, 2023 01:50 PM
Thank you for sharing your positive experience. We're honored to be your trusted mortgage advisors.
Kristen and staff were professional and easy to work with
Reply from Kristen Smith
December 6th, 2023 02:23 PM
Your feedback fuels our dedication to excellence. We're here to help with all your future mortgage needs.
Kristen was a joy to work with
Reply from Kristen Smith
December 2nd, 2023 02:52 PM
Your kind words made our day! We're always here to provide guidance on mortgage-related matters.
Kristen Smith has received a review with 5 star rating from Doris B
Reply from Owner
January 9th, 2026 10:40 AM
Thank you, Doris!
Friendly and professional service. Always eager to answer questions and provide detailed answers. Easy to contact and receive responses. Process was explained clearly and officer was very helpful.
Reply from Kristen Smith
November 23rd, 2023 01:11 AM
Thank you for choosing us for your mortgage needs. Your positive review encourages us to keep delivering excellence.
Good communication after we reached out initially between when we closed on construction loan. Felt like we should have been contacted a few months before starting process of closing on house due to market fluctuations and credit scores.
Reply from Kristen Smith
October 12th, 2023 04:26 PM
Your feedback is truly valued. We're dedicated to providing exceptional service for all your mortgage needs.
Kristen and her team were awesome! They kept us on track with reminders about documentation and they were available for any questions. It was a seamless transaction. Many thanks to everyone!
Reply from Kristen Smith
September 19th, 2023 06:17 PM
Your review encourages us to keep delivering outstanding service. We're just a phone call away if you ever need assistance.
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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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