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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 made this a quick and extremely smooth process, always had answers to my questions and a pleasure to work with.

- James L.

There were several occasions when we felt we were sending same items more than twice. Other than that they responded to questions quickly.

- Ellen B.

The overall experience was negative so it’s difficult to single out the Towne bank portion

- Peter Y.

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!

- Elizabeth E.

Great communication, on top of things, explained any questions quickly and thoroughly.

- Gregory S.

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.

- Jeanne M.

kristine and staff are excellent in communication and giving us several options in these crazy times....

- Glenn W.

Kristine was quick to respond on questions. She gave helpful advice to send us in the right direction with our loan.

- Jennifer C.

Kristine was wonderful to deal with and readily available to answer any questions we had.

- Edward W.
Kristine Arbogast

Kristine Arbogast

VP, Senior Loan Officer
NMLS ID #: 249222

Office: 804-334-8157

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