Kristine Arbogast
VP, Mortgage Sales Support Manager | NMLS # 249222
As a seasoned professional in the mortgage lending industry, Kristine has built a reputation of providing outstanding service to her customers. Her clients can count on her for guidance in making the best financial decisions and she will si... Show More
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Reviews from Web
We were disappointed with the underwriting procedure that required numerous additional pieces of information including a letter from our financial advisor and an explanation of why we are moving to VA. We are more then qualified for the loan...
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Kristine and Towne Bank made the mortgage process feel seamless!
Reply from Kristine Arbogast
October 1st, 2025 02:44 PM
Thank you for your kind review. We're committed to being your lifelong reliable source for mortgage solutions.
Kristine,Thank you from the bottom of my heart for all of your help along the way on my second home!! Working with you has truly been a pleasure each time and if/when I buy again, we can go for number 3!!You are so responsive, so kind, thorough,...
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Reply from Kristine Arbogast
October 1st, 2025 02:44 PM
We're grateful for your positive review and hope to work together again in the future.
Very professional and timely. Provided great advice.
Reply from Kristine Arbogast
October 1st, 2025 02:44 PM
We're grateful for your positive words. We're here to provide support for all your mortgage needs.
Kristine and Towne Mortgage were beyond great in purchasing our home. Whenever I had questions, they were answered in minutes. The portal was great to work with for status and documentation, and e-signing made our closing a painless, less than...
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Reply from Owner
January 9th, 2026 10:39 AM
Thank you, Troy!
Working with Kristine for my mortgage was a great experience. Communication was on time, bi-directions and accurate every time. Whenever I had a question it was answered in a matter of minutes. The portal was great to use and made the process...
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Reply from Kristine Arbogast
October 1st, 2025 02:44 PM
We're thrilled that you're satisfied with our service. Don't hesitate to contact us for any mortgage assistance.
Kristine does a great job. Very good at staying on top of things. And the web portal is easy to use.
I enjoyed working with Kristine and her staff to secure my mortgage financing. They were very thorough, communicative and pleasant throughout the entire process!
Reply from Owner
January 9th, 2026 10:38 AM
Thank you Lisa it was a pleasure working with you as well.
I appreciated your communication throughout the entire experience as well as the detailed information you provided while I was weighing my options. Thank you for explaining the process respectfully and for being sure I understood.
Quick and easy communication was vital with the purchase of our home and we are very appreciative of that response.
Reply from Kristine Arbogast
October 1st, 2025 02:44 PM
Thank you very much. Your new home is beautiful.
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About
As a seasoned professional in the mortgage lending industry, Kristine has built a reputation of providing outstanding service to her customers. Her clients can count on her for guidance in making the best financial decisions and she will simplify the loan process to ensure a smooth experience from pre-qualification to closing.
Kristine is a consistent top producer for VHDA home loans as well as a TowneBank Mortgage Chairman’s Club member. She specializes in Conventional, FHA, VHDA, VA and renovation mortgages with a team in place that will ensure each and every client has a great experience.
Fostering her love for giving back to the community, she enjoys volunteering with the YMCA, Feed More, and many other charitable organizations.
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
Reverse Mortgages
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Positions
- TowneBank Mortgage - Senior Mortgage AdvisorJun 1st, 2007 - Current
Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS # 249222
- MLO2963VA
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