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
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Reviews from Web
Effective, clear, efficient, streamlined communication and process. Kristen and all parties involved were very professional and friendly and made this process very easy! I love Towne bank! They treat their customers like family and I love the...
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Reply from Owner
August 1st, 2023 12:00 AM
Thank you, Dana! Congratulations!
Kristen found us money we didn’t know we could use. We wouldn’t have a house right now without her insight!
Reply from Owner
August 1st, 2023 12:00 AM
Thank you, Joella! Congratulations!
Always a pleasure dealing with Townebank on any of my financial issues
Reply from Owner
January 9th, 2026 10:40 AM
Thank you, Dana!
Almost transparent everything very smooth
This is our second time using Kristen and her team for our mortgage needs. The process was smooth and effortless.
Thank you Kristen
For being so patient and understanding
With us and explaining everything in simple terms that we could better understand.
Very helpful
Kristen Smith made our loan process painless. She was very professional, knowledgeable and kept us abreast in every step of the loan process. Kristen was always available to answer any questions or concerns we had during the process. When the...
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Reply from Owner
January 9th, 2026 10:38 AM
Thank you, William! It was a pleasure to work with you!
Kristen Smith was professional, knowledgeable and attentive to our needs. She kept us advised during every step of the loan process. Kristen always made herself available for any questions or concerns. When our loan was turned over to someone...
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Kristen found us money we didn’t know we could use. We wouldn’t have a house right now without her insight!
Reply from Owner
January 9th, 2026 10:38 AM
Thank you, Joella! 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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