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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


My experience from the first time we came into contact was excellent. Her communication skills and customer service were top notch. If I had a question no matter the day or time I received an answer. In addition I was able to receive an amazing rate on my home purchase. I could not have asked for a better team to make the biggest purchase that I have ever done go painlessly. Thank you to everyone. Jason Ziemann

- Jason S.

Kristine was the BEST!

- Eric D.

great communication in a timely fashoin

- Palma A.

Kristine provided lots of communication from both her and her team. They responded in a very timely manner to all of our questions. As first time homebuyers, we didn’t know what to expect from the process, but Kristine and her team made the process easy to understand and less overwhelming.

- Emily Z.

My experience was positive. Commuication was excellent thoughout the whole process. Kristine Arbogast, put my heart and mind at easy during the purchasing of my first home. I would strongly recommend Towne First Mortgage to my family and friends. My son will be in search of a new home soon. I have given him Kristine contact informaion. Thank you Kristine this experience have been 100% professional to the highest standard. Mary Thornton

- Mary E.

This is the second time within a year, that we have used Towne First Mortgage and Kristine, for our financing. Both times have been efficient, pleasant, and smooth transactions. All questions were answered very quickly, and everything explained clearly. I highly recommend Both Towne First and Kristine Arbogast, to handle your mortgage needs.

- Cynthia C.

Kristine was able to save us a lot of money by suggesting that we pre-pay our mortgage insurance. Also, Kristine was available to answer my many questions.

- Joshua T.

Kept us well informed during the process

- Dennis K.
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