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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


All the questions we had were answered promptly and the service was great. The only problem I had was when I uploaded the first round of documents into the portal, it did not seem to work. I had a message saying they had uploaded but had to send them again later because they were not received.

- Philip H.

Customer service and communication

- Gregory J.

As a Realtor for 20+ years, referring my clients to a respected and trusted lender is extremely important to me. I am grateful for the care she has provided to my clients in the past. Now, as a buyer myself, I am even more thankful for Kristine. She truly cares for her clients and it goes a long way in easing the stress that comes with buying a home. I will continue to wholeheartedly recommend Kristine to my clients, friends, and colleagues.

- Jennifer J.

Awesome to work with . Very very easy with lots of knowledge about loans and such . This is 3rd time I’m dealing with her . Thanks a lot for all that you do .

- Michael T.

Kristine was very responsive to our questions and proactive in keeping us on track to bring our loan to successful closure. We appreciate her experience and responsiveness. Thank you

- Donald E.

Kristine was awesome. She stayed on top of the process from start to finish. We had a tight timeline and she delivered! Would not hesitate to refer my closest friends to her.

- David A.

Kristine and her team communicated very well and made the process of buying a home smooth!

- Arianne K.

Kristine was thorough, professional and made the entire process easier for us. She even helped us with some things at the end while she was on vacation. Kristine and her team rock!

- Chris C.

Kristine and her team made everything run smoothly. She even called in and helped with some issues we were having while she was on her vacation. Excellent service!

- Kimberlie B.

Kristine is so patient. This is our second time with her helping us get a mortgage and my husband and I both appreciate her kindness and Generosity with her time. She always makes herself available and you can hear her genuine care through the phone. On every single call. We love Kristine. One gets a true sense that she really cares about her clients. A rare thing these days.

- Tammy M.
Kristine Arbogast

Kristine Arbogast

VP, Senior Loan Officer
NMLS ID #: 249222

Office: 804-334-8157

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