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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


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 went above and beyond to help us into our home.

- Jesse B.

Great experience! Will recommend and use again!

- Logan C.

Towne Bank and Kristine, made the whole process smooth and easy, from start to finish. Every question and problem was addressed efficiently and in a timely manner. We especially appreciated that she stopped by at our closing, to meet us in person, and drop off a gift basket!

- Cynthia C.

Kristine and TowneBank were the BEST to work with! They answered every question I had along the way and responded so quickly every time. I would recommend them to everyone!

- Tracy O.

Our loan was processed without any issues, quuckly.

- Benjamin D.
Kristine Arbogast

Kristine Arbogast

VP, Senior Loan Officer
NMLS ID #: 249222

Office: 804-334-8157

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