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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Improve timeliness of underwriting. Underwriting approval came mere hours before my closing, with several 11th-hour requests for documents. That's poor customer service. TowneFirst wanted me to trust them that they would be ready in time, with...
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Kristine is truely the best! She kept her cool and stayed on top of her game while I was a confused nervous wreck. I would highly recommend!
Reply from Owner
January 9th, 2026 11:08 AM
Thank you so much, Lizzie!
Kristine was amazing! Buying a home is such a crazy and confusing process but, Kristine was really on top of her game while keeping my mind at ease. I would highly recommend!
Great communication, on top of things, explained any questions quickly and thoroughly.
Kristine answered every question I asked, even the silly ones. She connects with her customers not just to check the box but she understands how they feel when buying a home.
kristine and staff are excellent in communication and giving us several options in these crazy times....
Kristine was quick to respond on questions. She gave helpful advice to send us in the right direction with our loan.
Kristine was wonderful to deal with and readily available to answer any questions we had.
Kristine and her team were awesome. We communicated often and was very Patient with me during the e-signing the documents. I would definitely refer my friends who are buying homes to this company because of her!
As a first time home buyer, Kristine truly put me at ease throughout the process. She was extremely helpful. With her quick responses, thorough process, and kind and sweet nature, I really felt like I was in great hands throughout the process....
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Reply from Owner
January 9th, 2026 10:33 AM
Thank you, Claire!❤
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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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